vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-23 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: CA

Complaint narrative:
TransUnion, XXXX, and XXXX have repeatedly and continuously violate my federally protected rights under the Trafficking Victims Protection Act of XXXX ( " TVPA '' ) which was mostly recently reauthorized on or about XXXX. Additionally the CFPB released rules for credit reporting agencies to follow in regard to this law in their ( CFPBs ) Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human Trafficking ( Regulation V ). 
I submitted 4 documents to XXXX, XXXX, and TransUnion in accordance with the TVPA and in excess of what was required under TVPA and Regulation V. Those documents were a non-governmental organization letter attesting to my status as a victim of human trafficking, a copy of my passport, a copy of a recent utility bill, and a copy of the self-attestation letter, the template for which was provided by the CFPB. These documents were uploaded to the e-Oscar system on all three ( XXXX ) of the credit agencies ' specific websites. The documents were also mailed via certified mail to TransUnion, XXXX, and XXXX. This was done repeatedly beginning XX/XX/XXXX to XX/XX/XXXX of XXXX. To date, XXXX, TransUnion, and XXXX have not removed the items within four ( 4 ) business days as required by the federal law, TVPA. 

XXXX, TransUnion, and XXXX continue to cause me further emotional, mental, and financial damage by refusing to comply with the federal, violate my federally protected rights, and further inflict egregious damage on me by continuing to participate in my victimization under TVPA by continuing to profit from my personal information while I am under duress and suffering as victim. 

XXXX, TransUnion, and XXXX have stepped and operate unscrupulously outside of their positions as self proclaimed credit reporting agencies while engaging in profiteering at the expense of my status as a victim. THIS IS MY THIRD COMPLAINT REGARDING THE SAME ISSUE.

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 2023-06-23 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:
I called your department after I purchased a credit report with XXXX on XX/XX/. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these was COLLECTION accounts on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these collection, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : RXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX XXXX Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY 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 non-monetary relief
Consumer complaint received 2023-06-23 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: PA

Complaint narrative:
Some accounts listed on my credit report do not belong to me or that I did not open. This is my police report : XXXX, and the accounts are listed below : - XXXX Account # XXXX - XXXX XXXX XXXX Account # 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 2023-06-23 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: TN

Complaint narrative:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 2023-06-23 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: EQUIFAX, INC.
State: TN

Complaint narrative:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I currently work for XXXX  of XXXX  and XXXX Arizona, when payday comes I go to the nearest ATM to withdraw money to give to my sister for rent as I am Currently living with her, I pay {$260.00} in rent and every time I go to the ATM I am immediately gouged for withdrawing money and I don't understand why. the date that this happened today 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 2023-06-23 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: PA

Complaint narrative:
I am writing to request that you remove certain utilization information listed on my consumer report due to not receiving all three disclosures about consent to furnish under 15 USC 1681a ( 2 ) exclusions, and the 15 USC 6802 obligation, regarding the privacy of personal information.

As I fall under these exclusions and obligations, I did not receive all three disclosures prior to providing my consent to furnish information, therefore, the following utilization information on my consumer report may be inaccurate or misrepresentative of my creditworthiness XXXX XXXX XXXX {$2500.00} out of {$2600.00} XXXX {$6800.00} out of {$7000.00} XXXX XXXX {$1900.00} out of {$2000.00} XXXX XXXXXXXX {$5400.00} out of {$6000.00} XXXX XXXX XXXX {$9400.00} out of {$10000.00XXXX XXXX XXXX {$1700.00} out of {$2000.00} XXXX XXXX XXXX {$2600.00} out of {$3000.00XXXX XXXX XXXX XXXXXXXX {$5800.00} out XXXX {$7000.00} XXXX XXXX XXXX  {$770.00} out of {$1000.00} XXXX XXXX XXXX XXXX {$1700.00} out of {$3000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$3500.00} out of {$6500.00} XXXX XXXX {$460.00} out of {$1000.00} XXXX {$730.00} out of {$2000.00} XXXX XXXX XXXX {$670.00} out of {$1900.00} XXXX XXXX XXXX XXXX {$580.00} out of {$2300.00} XXXX XXXX XXXX XXXX  {$59.00} out of {$850.00} XXXX XXXX XXXX  {$17.00} out of {$1100.00} XXXX XXXX XXXX XXXX XXXX out of {$2000.00} XXXX XXXX XXXX {$0.00} out of {$1900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 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: PA

Complaint narrative:
I am writing to request that you remove certain utilization information listed on my consumer report due to not receiving all three disclosures about consent to furnish under 15 USC 1681a ( 2 ) exclusions, and the 15 USC 6802 obligation, regarding the privacy of personal information.

As I fall under these exclusions and obligations, I did not receive all three disclosures prior to providing my consent to furnish information, therefore, the following utilization information on my consumer report may be inaccurate or misrepresentative of my creditworthiness XXXX XXXX XXXXXXXX {$2500.00} out of {$2600.00} XXXX {$6800.00} out of {$7000.00} XXXX XXXX {$1900.00} out of {$2000.00} XXXX XXXX {$5400.00} out of {$6000.00} XXXX XXXX XXXX {$9400.00} out of {$10000.00} XXXX XXXXXXXX {$1700.00} out of {$2000.00} SXXXX XXXX XXXX {$2600.00} out of {$3000.00} XXXX XXXX XXXXXXXX {$5800.00} out of {$7000.00} XXXX XXXX XXXX  {$770.00} out of {$1000.00} XXXX XXXX XXXX XXXX {$1700.00} out of {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$3500.00} out of {$6500.00} XXXX XXXX {$460.00} out of {$1000.00} XXXX {$730.00} out of {$2000.00} XXXX XXXX XXXX {$670.00} out of {$1900.00} XXXX XXXX XXXX XXXX  {$580.00} out of {$2300.00} XXXX XXXX XXXX XXXX  {$59.00} out of {$850.00} XXXX XXXX XXXX {$17.00} out of {$1100.00} XXXX XXXX XXXXXXXXXXXX XXXX XXXX  out of {$2000.00} XXXX XXXX XXXX {$0.00} out of {$1900.00}

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 2023-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Hello, I have issues with Shellpoint company. During my forbearance repayment plan, there was miscommunication. I did not miss my XXXX payment, as the due date coincided with weekend I sent my payment XXXX XXXX which was intended for XXXX. I explained this in my previous messages but they never gave any reference to my attached receipts, they just ignored my request. According to the forbearance plan which was given to me to follow, I didnt miss any payment as they claim.please see the attachment names as receipt. 
I believe you have the substantial amount of evidence to state that I have already finished my payments in time. It is their mistake not to take into account that. The third payment should have been considered to be XXXX payment not XXXX. 
Due to this misunderstanding I got Derogatory Account and delinquent account. ( Page 4 ) Because of this issue I got XXXX problems. XXXX of them is about my credit history, the other XXXX XXXX my PMI request was rejected and I had to pay it in XXXX. 
( Shellpoint Mortgage Servicing XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Radius Global Solutions LLC has violated my consumer rights under 15 U.S.C 1681 Sec 602 A, which guarantees my right to privacy. Additionally, 15 U.S.C 1681 Sec 604 A. Sec 2 states that a consumer reporting agency can not furnish an account without my written consent.

I hereby request that you immediately cease and desist in your efforts to collect on the aforementioned account. It is my personal policy to only engage with the original creditor of this account and not with collection agencies.

Failure to comply with this request will result in legal sanctions under applicable federal and state laws. As per 15 U.S CODE 1692c ( a ), a debt collector may not communicate with a consumer regarding the collection of any debt without the prior consent of the consumer or the express permission of a court of competent jurisdiction. 

I have neither given prior consent nor entered into any contractual agreement with Radius Global Solutions LLC.

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 2023-06-23 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: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: UT

Complaint narrative:
After being a loyal member for over five years, it is disappointing to be treated in such a manner by Navy Federal CU. Today, I discovered that Navy Federal CU had arbitrarily closed my bill pay without any prior notification. This has not only inconvenienced and hurt me, but it has also made it difficult for me to maintain my household effectively. When you take away my ability to access my accounts, which contain essential information such as my reoccurring payments and company contacts, you have caused me harm. Therefore, I will be closing my account with Navy Federal CU after having made over {$500000.00} in deposits. I also feel obliged to inform my family members and friends of this negative experience, and I will be taking my concerns beyond this setting to express my dissatisfaction with Navy Federal CU. I will send a message to my congressman and others in positions of authority. Therefore, I expect a prompt response from you and immediate action to rectify this situation. Your organization has lost the trust of a valued member, and I will not recommend Navy Federal CU to anyone in the future. As a member of the institution, I believe that it is unacceptable to treat your members thus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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: NV

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX  Balance : {$5100.00}

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 2023-06-23 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: FL

Complaint narrative:
I sent a letter out on XX/XX/XXXX to XXXX, Transunion and XXXX ; My tracking numbers are XXXX, XXXX & XXXX. It has been more than 30 days and the credit bureaus failed to send my investigation back. 

According to the las 15 U.S. Code 1681i Procedure is case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the item from the file in accordance to paragraph ( 5 ), begore the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2023-06-23 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: FL

Complaint narrative:
I sent a letter out on XX/XX/XXXX to XXXX, XXXX and Equifax ; My tracking numbers are XXXX, XXXX & XXXX. It has been more than 30 days and the credit bureaus failed to send my investigation back. 

According to the las 15 U.S. Code 1681i Procedure is case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the item from the file in accordance to paragraph ( XXXX ), begore the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-06-23 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief