vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-12 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, small business adminXXXX, XXXX, XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-12 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, small business adminXXXX, XXXX, XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I have a 30-year VA-guaranteed mortgage loan with fixed payments of $ XXXX with lender Navy Federal Credit Union ( NFCU ) since XXXX XXXX. 

Around the last week of XXXX, I received a letter from NFCU stating that beginning XXXX my monthly payment would increase to $ XXXX ( {$670.00} total escrow increase for XXXX ), the reason for increase unclear. Also stated, I had until XX/XX/XXXX to pay the entire amount as an option to keep my payment from increasing. On XX/XX/XXXX, I mailed the full escrow increase payment to avoid the increase-see attached copy. 

On XX/XX/XXXX I checked my mortgage to insure my monthly payment was still as originally agreed, but instead I saw it was increased to the new higher monthly payment. I immediately called NFCU at XXXX and spoke with XXXX. After explaining the above, she just stated repeatedly that even with the full {$670.00} payment I still owed additional money, but couldnt provide a single logical reason for her absurd statement. I unequivocally asked to get everything explained in writing, but they have refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: SC

Complaint narrative:
I was doing the Public Loan Service Forgiveness Program and it should have been completed in XXXX with my 10 yrs/120 payments and despite the amount of forms ceritfing my employment from the school district I am currently employed. My account is showing that I have met 112 of the 120 required payments for forgiveness as of XXXX. This is incorrect. I would have met my 120 payments back in XXXX. They have given me credit for the school districts I worked for up until XX/XX/XXXX. I am still employed at the same district ( XXXX XXXX XXXX XXXX ) and on the form that HR filled out the put down my hire date XX/XX/XXXX and for the section under " end date '' was left blank because I am still employed there. I have done part, yet everytime I submit something it takes another 90 days to hear something that is always inevitebly incorrect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 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: TX

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 Sec. 602 states, I have the right to privacy! Under 15 USC 1681 Sec 604 ( a ) Sec. 2, it also states consumer reporting agencies can not furnish an account without my written consent or instruction. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

Please be mindful that i have already filed an Identity Theft Report with the FTC as well which surprises me that you guys ( XXXX, XXXX, TransUnion ) haven't acted upon this yet.

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 2023-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: OH

Complaint narrative:
This debt doesn't belong to me. It is to be charged to a business. After speaking with these people and them calling me from different phone numbers and explaining to them this belongs to a business and not me personally they said oh well it is in your name and not the business when in fact, i did explain each time it shouldn't be and they should contact the originator of the bill for clarification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Multiple issues with the credit reporting agency, I have been in a XXXX XXXX  BK petition starting XX/XX/XXXX, through XX/XX/XXXX. Experian and XXXX XXXX has reported a charge-off during a bankruptcy when the creditor was paid as agreed and through bankruptcy. I have also written numerous disputes to Experian to remove an address I have never resided in and they have not cooperated in removing the unknown address.

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 2023-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am a senior citizen Identity theft victim I XXXX XXXX XXXX year old identity theft victim Some criminal fraudulently opened 2 credit cards in my name with Comenity Capital Bank XXXX XXXX XXXX XXXX Ohio XXXX Some Thief opened a ikEA Comenity Bank credit card acct ending in # XXXX In my name I received a bill from Comenity Bank. Saying I owe a balance of {$870.00} due to them by XX/XX/2023 for a IKEA credit card account I did not apply For I did not open this this credit card someone stole my identity opening this Comenity credit card I do not owe money to Comenity bank I also received a separate letter from Comenity bank thanking me for a credit card application for XXXX XXXX XXXX Comenity Bank credit card saying to reply within 14 days to. Infirm infirmation I did NOt apply for either of these credit cards Im a XXXX  citizen Victim of stolen identity XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Delete these hard and soft inquiry from my report never gave companies written permission to pull my 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 2023-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Delete these hard and soft inquiry from my report never gave companies written permission to pull my 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 2023-03-12 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: OH

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( AUTO ), XXXX XXXX XXXX ( AUTO ) - DELETE ALL HARD INQUIRES AND COLLECTIONS.

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 2023-03-12 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: OH

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( AUTO ), XXXX XXXX XXXX ( AUTO ) - DELETE ALL HARD INQUIRES AND COLLECTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have been paying since XX/XX/2021, on my Synchrony account each month via auto pay. 
I recently checked my credit score & was astounded that the score went down XXXX points. 
When I researched to find answers, I discovered that Synchrony had reported late payments. 
Since auto pay was in place, I tried to talk to President or CEO of Synchrony. I also used XXXX, but have not received acceptable responses. 
I have Auto Pay in place!

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 2023-03-12 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: OR

Complaint narrative:
XXXX XXXX XXXX and XXXX XXXX XXXX In accordance Fair credit reporting act under 15 USC 1681 Improper use of credit report. Reporting use my report improperly. 15 u.s.c 1681 section 602 A. States the right to privacy 15 U.s.c 1681 section 604 can not furnish a account without my written instruction. 15. U.s.c 1681c. ( a ) ( b ) section states : no consumer reporting agency may make any consumer report containing any or the following items of information. Any other adverse item or information other than records of convictions of crime which antedates the report by more than seven years. 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate

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 2023-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Universal Recovery Corporation
State: CA

Complaint narrative:
You are still refusing to either delete or change the status of my account with you on my credit report. This account is no longer open, but you still are reporting it as being an open account on my credit report. There are two credit report entries that are still being erroneously reported by you. Once again, any and all of my accounts with you have been included in my Bankruptcy filing and my rights are now protected by the bankruptcy court. You are directly violating my rights and federal laws by allowing mis-information to remain on my credit report. How can a collection account still remain open when the Federal Bankruptcy Laws forbid Collection companies like yours to continue collection activity on a bankruptcy protected account? You seem to think that you are above the laws of our great nation and continue to toe the line of right and wrong by many of your actions. If you force my hand, I will make it my life-long quest to make sure that I raise enough questions about your shady business practices to where an investigation will ultimately open up by one of these regulating agencies on you and finally expose what kind of business practices you are conducting at this collection company of yours. I will make it my life-long quest to expose you for who you are if you want to keep harming peoples credit like you are harming mine right now if you don't remove these erroneously reported accounts from my credit report or change their status from open to closed immediately. Again, They are not open accounts ; they are closed accounts. It is illegal for you to continue collection activity on accounts that are protected by the bankruptcy court as all of mine are including yours as well. However, since you continue to keep reporting these accounts as being open and active, that means that you are still collecting on these accounts because they are still open collection accounts. Yet, they are not and you are forbidden from keeping them in an open status once you were notified by the courts or my attorney that these accounts can no longer be collected on and that they need to be closed out. You refuse to close them out and thus now you are in violation of federal laws. Close them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 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: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
Reporting late payments. 
accordance to 15 USC 1618a ( 2 ) Exclusions.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
i ended online access to accounts and requested paper mail correspondence after several months i have received nothing including interest on my cd accounts i recently changed my phone number now usaa cant send a code to my old number everyone states they cant access my account they cant connect me to any dept that can and thier automated system does not accept any uploaded id which they require..Basically i am a phone number their system does not recognize my social security number they have my license dd XXXX and my auto policy i have no access to my money cant file taxes or any statements to keep with my important papers if i cant get my money how would my family

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 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: Self Financial Inc.
State: LA

Complaint narrative:
in accordance with the fair credit reporting act XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 Section 2 : It states that a consumer reporting agency can not furnish an 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 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: OH

Complaint narrative:
This debt doesn't belong to me. It is to be charged to a business. After speaking with these people and them calling me from different phone numbers and explaining to them this belongs to a business and not me personally they said oh well it is in your name and not the business when in fact, i did explain each time it shouldn't be and they should contact the originator of the bill for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Follow up to closed case : Wells Fargo Case # XXXX RE : Requested documents to be sent to @ Wells Fargo. 
In the coming week XXXX document copies will be mailed to address provided concerning refinance, requests, repayment options, Trial loan period payments deducted online.Foreclosure attempt during same time period which was denied by court order and subsequent closure of same.Request letter sent 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 explanation
Consumer complaint received 2023-03-12 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : 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 XXXX XXXX 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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