vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
credit bureaus are reporting bankruptcy on my credit report without any proof that it belongs to me. i ask for verification and they refuse to provide any.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Credit Karma, LLC
State: TN

Complaint narrative:
I know within the last 6 years credit karma advertised to me a guaranteed approval but it was a lie. I caused my credit score to be impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am a natural person, I am human being, I have rights under 15 use 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 ; I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX  - XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Frost-Arnett Company
State: GA

Complaint narrative:
In accordance with the fair credit reporting act Frost - Arnett has violated my rights. 

15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written permission. 

Also medical accounts are no longer being apart of a credit report. They are to give consumers time to work out the matter with the original creditor and insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NM

Complaint narrative:
In XXXX of XXXX, I requested information in regards to removal of PMI on my home loan due to an increase in market value since its purchase in XXXX. Over the next several weeks, I was made aware that I would need to fill out and mail a form, receive a home inspection. 

On XX/XX/XXXX, I followed my mortgage servicer 's ( Freedom Mortgage ) process for requesting removal of PMI. I sent a check for {$100.00} for the cost of the required BPO ( Broker 's Price Opinion ) which was cashed on XX/XX/XXXX. 

Over the several weeks, I made at least two calls to my mortgage servicer in regards to the scheduling of the BPO inspection, and received no information or updates. After three weeks, still without any update from my servicer, they provided me with the number of the contractor ( XXXX XXXX XXXX ) used to schedule inspections. I was told by my servicer that I should wait until XX/XX/XXXX for an update. 

On calling the contractor, I was informed that no inspection had been scheduled with them, and they had no information for even what type of inspection was required ( indoor or outdoor inspection ). The contractor would need me to email them to schedule the inspection, after which they would contact my mortgage servicer for the details of the requirements. I was also informed at this time that it might be as much as a month until I would have some update in regards to the scheduling of this inspection.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
In XXXX of XXXX, my XXXX XXXXXXXX XXXX FICO link showed that TransUnion shows that my credit score dropped from XXXX XXXX XXXX I have subsequently contacted TransUnion a number of times for an explanation of why the drop ( my credit scores as being reported by the 3 different credit agencies have consistently averaged well over 800 for well over a decade ). Twice I have received TransUnion credit reports since and can find no explanation or reason as to why the score drop, and I am not able to find anyone in TransUnion that can successfully answer the question- and the score continues to remain in the XXXX  range for 5 months. The only thing that has changed in my finance life is the opening of another credit card in the spring of this year. I am not easily able to accept that this simple action on my part has such a dramatic impact on my credit score. I am asking for a full reason/explanation from TransUnion as to why my score dropped and has this remained. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
XX/XX/2022 visited branch at M & T branch to report the fraud XX/XX/2022 filed police report XX/XX/2022 contacted all credit bureaus

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Starting XX/XX/XXXX unauthorized transactions were being made on my PNC checking account through online purchases using my debit card number ending in XXXX. These are the transactions made in XXXX : XX/XX/XXXX {$82.00} XX/XX/XXXX {$30.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$170.00} XX/XX/XXXX {$380.00} XX/XX/XXXX {$110.00} I disputed these transactions and was issued a provisional credit. The debit card ending in XXXX was closed. On XX/XX/XXXX the provisional credits were removed from my account. PNC denied my dispute, I requested the reason and planned to wait for their documentation in the mail. 

On XX/XX/XXXX more unauthorized transactions showed up on my account. These transactions were online purchases, from the same merchant as my original dispute, and using the closed debit card ending in XXXX. I disputed this again with PNC and told them about the debit card being closed in XXXX. I asked how this is possible and they did not know. I also asked to appeal the denied dispute from XXXX. I was told the XXXX dispute was denied because a chip & pin was used. When I asked how one can use a pin & chip for an online purchase, they could provide no answer for this and agreed to file a new dispute for the XXXX transactions. I was instructed to wait for a response, which at this point I accepted. 

On XX/XX/XXXX more unauthorized transactions for online purchases from the same merchant and using the closed debit card ending in XXXX. I called to dispute again and requested this issue be escalated because this is very bizarre and I don't know how to make the unauthorized transactions stop. PNC also does not know how to make the transactions from the closed debit card stop, but they refused to escalate this issue. Here are the XXXX transactions : XX/XX/XXXX {$28.00} XX/XX/XXXX {$170.00} XX/XX/XXXX {$82.00} XX/XX/XXXX {$340.00} This has created an emergency situation for me. Now I have no money to my name. PNC has used this difficult time for me as an opportunity to sell me on their credit card. I was advised to sign up for a credit card with PNC so I can sustain myself until my next paycheck. Otherwise I have to wait for their investigation, all while this unknown person/people can continue to overdraw my account, for which I would be charged daily overdraft fees by PNC. They are unable to keep my money safe and unwilling to escalate the issue to prevent further withdrawals. I fear if I close the account entirely, I will not receive an adequate investigation from PNC for my current disputes. 

I would also like to add that I have been a customer with PNC since XX/XX/XXXX. I have disputed 1 other charge in that time. That dispute was 5+ years ago and for a small amount of about {$200.00}. That dispute was accepted by PNC. I do not regularly dispute my transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I pulled my credit report earlier this year and noticed there were several errors on my report. The first account listed was a car note reporting multiple late payments. Initially I sent a verification letter to all 3 bureaus on XXXX XXXX. Transunion responded with a frivolous letter stating I needed to prove the validation letters were sent by me. When I sent my validation letters, I attached my Drivers license as a form of identification, however because the responses stated I needed to provide addition proof, I sent a follow up letter confirming I was requesting validation on XXXX XXXX with my Drivers license again. In addition, I never received a response from XXXX or XXXX regarding my verification letter, in turn I sent a follow up letter on XXXX XXXX as well to XXXX and XXXX requesting a this account be deleted since not validation had been completed. My third letter I sent was dated XXXX XXXX, stating how I never received any responses and requesting a deletion of this account if it could not be validated. To date i still have not received any responses regarding the late payments being reporting or an update. In addition, there are several collections account listed on my report as well. I have requested validation of these account on, and still have not received a response. i sent two letters to both XXXX and XXXX. I have attached all of my documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CBC Companies, Inc.
State: LA

Complaint narrative:
I sent in a letter to Innovis explaining how I only wanted one address which I have the right to do. The letter has My current address as well as a picture of my id and a proof of address. I will be attaching that document to this complaint, the problem is they are asking for more documentation that is not required. All that is required is a picture of my id and proof of address and the last 4 of my social.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX, and Experian XXXX XXXX XXXX XXXX is reporting inaccurate information on I, XXXX XXXX, Consumer Report. 
Both of the mentioned Consumer Reporting Agency are violating FCRA 1681i ( 5 ) ( i ) ( ii ). 
As dated XX/XX/2022, I HEREBY DEMAND both Consumer Reporting Agencys to UPDATE my Consumer Report with accurate information. 
For any noncompliance both of the mentioned Consumer Reporting Agency will be fined pursuant to FCRA 15 U.S. Code 1681n - Civil liability for willful noncompliance, and 15 U.S. Code 1681o - Civil liability for negligent noncompliance with Prejudice!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CIG FINANCIAL LLC
State: CA

Complaint narrative:
Pursuant to the Truth In Lending Act, there is Criminal Liability for willful and knowing violations. CIG Financial admits to theft ( referring to this act as repossession ), as well as demanding cash payment on an open end consumer credit transaction. Ignorance of the Law does not permit corrupt behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
THIS IS NOT A DUPLICATE Im resubmitting this complaint against XXXX, XXXX, and Transunion due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
THIS IS NOT A DUPLICATE Im resubmitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is in reference of a XXXX XXXXXXXX account I've writing the credit bureau XXXX Equifax XXXX about this account for the past month regarding the the wrong information that's in there for them to remove but its there effecting my credit, if after any reinvesigation under paragraph 1 of any information disputed by a consumer an item of the information in found to be inaccurate or incomplete or can not be verified the consumer agent shall promptly delete that item of information from the file of the consumer or modify that item information as appropriate base on the result of the reinvestigation Also take into consideration this account dated since 2006

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have previously tried twice to dispute an fraudulent account from my credit report. I submit my disputes on XX/XX/2022. The company responded saying ( the account verified ) with no proof of my signature. This account was open without consent and it needs to be removed from my credit report. 
These companies are not following the law according to Fair Credit Reporting Act ( FCRA ). USC code 1681 ( A ) states credit reporting agencies must conduct reasonable investigation when a consumer myself submit a dispute and delete information if the information is 100 % accurate. 

Account : XXXX XXXX XXXX 
Account : XXXXXXXX XXXX  - account verified Equifix - account verified The ( FCRA ) federal fair credit reporting act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion LLC, and XXXX XXXX XXXX XXXX XXXX is reporting inaccurate information on I, XXXX XXXX, Consumer Report. 
Both of the mentioned Consumer Reporting Agency are violating FCRA 1681i ( 5 ) ( i ) ( ii ). 
As dated XX/XX/2022, I HEREBY DEMAND both Consumer Reporting Agencys to UPDATE my Consumer Report with accurate information. 
For any noncompliance both of the mentioned Consumer Reporting Agency will be fined pursuant to FCRA 15 U.S. Code 1681n - Civil liability for willful noncompliance, and 15 U.S. Code 1681o - Civil liability for negligent noncompliance with Prejudice!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief