vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is the second time I am reporting this. I have been a victim of identity theft. Someone has stolen and fraudulently opened accounts under my name without my permission. The following accounts are a result of identity theft, and opened with a fraudulent application. 
XXXX XXXX XXXX Opened XX/XX/XXXX US DEPT OF EDXXXX Opened XX/XX/XXXX {$340000.00} USDOEXXXX Opened XX/XX/XXXX {$210000.00}. 
These accounts where not opened by me nor have I authorized anybody to one these accounts for me. I had a suspended license during the time this account with XXXX. I also could've never opened a student loan because I dropped out of high school. Please Block these accounts ASAP. 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 2022-09-03 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Karma, LLC
State: AR

Complaint narrative:
On XX/XX/2022 I found out that credit karma was being sued for the pre approved credit card and has to give the consumer money from the settlement and I remember applying for a pre approved and got denied. I'm not sure if any of this helps but I seen they were getting sued. I wanted to file a complaint about them. If you need any questions you can email me at XXXX or my number is XXXX thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-09-03 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: FL

Complaint narrative:
I am a natural person, I am living, and I have rights under 15 USC 1681 to have a 100 % accurate, complete, and private investigation done to my credit report. Equifax is governed by USC 1681 and have violated my rights numerous of times with inaccurate information and violating my privacy rights as a consumer. I demand the following accounts to be removed. According to 15 USC 1681 I have the right to privacy and I did not give Equifax permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 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: FL

Complaint narrative:
In accordance with The Fair credit reporting act the account listed below 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 States a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681XXXX XXXX INVESTIGATIVE CONSUMER REPORT States a consumer report in which information of consumers character, reputation, personal characteristics, and mode of living is obtained through personal interviews with neighbors friends or associates of the consumer who have knowledge concerning such items of information and is kept on FILE The accounts that I have listed below that I see on my consumer report are violating my rights and are doing so without my written instructions of consent and the inquiries that are also listed below that I have no knowledge of are also reporting on my consumer report without my written consent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-09-03 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: FL

Complaint narrative:
In accordance with The Fair credit reporting act the account listed below 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 States a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681- XXXX INVESTIGATIVE CONSUMER REPORT States a consumer report in which information of consumers character, reputation, personal characteristics, and mode of living is obtained through personal interviews with neighbors friends or associates of the consumer who have knowledge concerning such items of information and is kept on FILE The accounts that I have listed below that I see on my consumer report are violating my rights and are doing so without my written instructions of consent and the inquiries that are also listed below that I have no knowledge of are also reporting on my consumer report without my written consent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 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: LEXISNEXIS
State: TX

Complaint narrative:
Submitted complaint to Lexis Nexis XX/XX/XXXX because it is reporting Public Record information that it purchased from XXXX, a system of record used by the bankruptcy court. On XX/XX/XXXX, it provided a letter stating the information was " verified '' because it the information still shows in XXXX. Lexis Nexis has failed to contact the originator of the information to verify the information. XXXX  is not the originator of the information, the Court of Record is. Lexis Nexis continues to violate my rights protected under The Privacy Act of XXXX and the Fair Credit Reporting Act.by reporting inaccurate and derogatory information about consumers, failing to maintain policies to ensure the accuracy of the information they report and failing to properly investigate disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again.

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 2022-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is the second time I am reporting this. I have been a victim of identity theft. Someone has stolen and fraudulently opened accounts under my name without my permission. The following accounts are a result of identity theft, and opened with a fraudulent application. 
XXXX XXXX XXXX Opened XX/XX/XXXX XXXX DEPT OF EDXXXX Opened XX/XX/XXXX {$340000.00} USDOE/XXXX Opened XX/XX/XXXX {$210000.00}. 
These accounts where not opened by me nor have I authorized anybody to one these accounts for me. I had a suspended license during the time this account with XXXX. I also could've never opened a student loan because I dropped out of high school. Please Block these accounts ASAP. 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 2022-09-03 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: MI

Complaint narrative:
In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 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 instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-09-03 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with Fair Credit Reporting Act, 15 USC 1681 section 602 A states that I have a right to privacy, 15 USC 1681 section 602 A section 2 It also states a consumer can not furnish a account written instruction.

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 2022-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
* XXXX XXXX XXXX Never apply a account I send a letter to credited and credit report didnt remove * XXXX XXXX XXXX Never apply a account I send a letter to credited and credit report didnt remove * XXXX XXXX Never apply a account I send a letter to credited and credit report didnt remove Only in Tranunion Need to be removed XXXX XXXX XXXX XX/XX/1966 XXXX XXXX XXXX XXXX XXXX Florida XXXX

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 2022-09-03 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I have received phone calls from unknown numbers saying they are taking legal action against me. They said they were Portfolio Recovery. They were leaving me harassing voicemails. I had to block these unknown numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax, put and XXXX XXXX on my credit report without my consent. I sent them and copy my social security card # my Driver License #, my XXXX. I did everything that Equifax asked me to do and they still kept a Fraud Alert on my credit. Also I got and email from XXXX, on XX/XX/2022 at XXXX am saying the they place and XXXX alert on my credit. I did ask XXXX to place and XXXX XXXX on my credit,. I spoke with two XXXX agents on Friday XX/XX/2022 and aske if I have and Freezes and Fraud Alert on my credit and the agent confirmed that I had no Alerts or Freese on my credit. I also called XXXX and was told the same result that on alerts or freezes was on my credit. I was trying to get cell phone carrier XXXX XXXX XXXX and when they ran my credit it's and hold on my social security number my credit won't go though. I have been going though this for two weeks. Now XXXX want 's me to write to them to have the XXXX XXXX removed that is not fair to me when I didn ; t ask them to put the alert on my credit. Please help me XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Hello, I applied for a HELOC with Navy Federal Credit Union. I have been in my home for 14years current on my mortgage. my credit is a XXXX XXXX I have been employed with the same company for over 14 years. I was denied the HELOC loan and was never told why I have equity in my house. But I was approved for refinance with a higher interest rate than wht I have now. I don't want to refinance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I called PNC regarding my mortgage account. I called to inquire about PNC attempting to pull a mortgage payment from my financial institution. I inquired with a PNC staff member how many times they would attempt to pull the payment from my account to determine if I needed to make a payment over the phone or just wait until PNC completed the transaction. The staff member indicated that they did not know how many times it would be pulled. He encouraged me to wait to see if they would attempt another time. I express concerns that fees would be charged on my account and that I would be reported late. The staff member indicated that I would not be reported late until 30 days and said that no fees would be assessed on the account because I am in California. I expressed concern that he was not able to answer my question and asked that he consult with a supervisor/manager to find out. After a period of being placed on hold, he returned to the call and indicted that he was not able to get the answer. Essentially, I was supposed to make a decision on misleading and incomplete information. Upon further research, I learned that if I had not made the payment on XX/XX/XXXX PNC would have charged me a late fee. This concerns me because the PNC agent was encouraging me to wait to see what happens and to wait another day. This would have allowed PNC to charge me a fee. I advised that I was concerned with the lack of information and training he was provided. I made a payment over the phone on XX/XX/XXXX and filed a complaint with the staff member case number XXXX. 
Since the incident mentioned above, I received a notice that a {$25.00} fee was assessed on my account due to a Non-Sufficient Funds on XX/XX/XXXX. This is the first time anyone from PNC has mentioned a fee was assessed on the account. I have concerns over the lack of training staff receive, adequate information PNC provides consumers and deceptive practices in mortgage servicing. PNC staff encouraged me to wait to see if the payment would go through which would cause a late fee. They were not able to provide pivotal information and failed to disclosed fees would still be assessed. PNC recently became my mortgage servicer ; I am concerns that they have predatory practices to collect fees from consumers to increase their profits. 
I am filling this complaint in the CFPB system because I have made several attempts to work this out with PNC. I have not received a response to the complaint filed directly with PNC on XX/XX/XXXX. In addition, I emailed XXXX XXXX from the Officer, Executive Client Relations as requested on XX/XX/XXXX and no response. I would like to receive an answer to my initial questions, understanding of the training gap, transaction history on my account, and fees waived.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
XXXX XXXX was my Mortgage Servicer- until 2 months back. The Investor on my Loan is XXXX XXXX, I believe. So under the CAREs Act due to the Corona Virus Pandemic and the attendant hardships I faced, I was given a 18 Month Forbearance Plan. And from XX/XX/XXXX, I have resumed my Payments. I was able to log in and pay the Monthly payments regularly, on XXXX XXXX web site. I had also submitted the required paper work and requested XXXX XXXX to add the unpaid instalments to the back end of the Loan, as per the Cares Act and XXXX XXXX guidelines. They said they were working on it. But suddenly, they transferred the Servicing to SLS ( Specialized Loan Servicing ) in XXXX or XX/XX/XXXX and were no longer accepting my payments. I created an Online Account with SLS and tried to make my monthly payments. But unfortunately, the system was not accepting my payments and was demanding the entire Forbearance Amount of $ XXXX at a time. I called the SLS Customer Service both in XXXX and XXXX and made my Monthly payments over phone. In XXXX they said the file is not fully received from XXXX and I should call back in XXXX. When I called back in XXXX, I was told the Loan Modification is under progress. However I started receiving " NODs '' ( Notice of Defaults ) by Ordinary mail and Certified Mail ( copies attached ). When I called them again and asked why I am receiving these NODs, I was told to ignore them. The last I spoke to was one XXXX XXXX of SLS at XXXX XXXX  on XXXX XXXX ), who assured me that they got all the requirements and nothing is required from me. She said the Loan Modification is being reviewed and I should be hearing from them soon. But within 3 or 4 days, I got a NOD by Certified Mail from SLS. I am really at a loss to understand what is going on..

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 2022-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize nor consent to these inquiries

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 2022-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize nor consent to these inquiries

Company response to consumer: Closed with explanation