vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-22 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: TX

Complaint narrative:
I am having a hard time believing that an investigation has been done because there are still errors on my credit report. I sent letters to all 3 bureaus XX/XX/2022, and again most recently on XX/XX/2022. Nothing has been validated or deleted. I received a letter in XXXX stating that the account in question was verified, but I did not receive proof validating the account or that I owe this collection agency. I have no relationship with XXXX XXXX XXXX XXXX and this account should be removed from my report immediately. I have been waiting on information for 3 months and this is unacceptable. All 3 bureaus have inconsistent information reporting for this account so how will I be able to validate what is accurate or not? I do not owe this company anything so please remove this account. I will include the letters that I have sent as well as the dispute letter stating that the account was verified. Please conduct a thorough investigation and provide names and business addresses of each individual with whom you verified this information.

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 2022-09-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am having a hard time believing that an investigation has been done because there are still errors on my credit report. I sent letters to all 3 bureaus XX/XX/2022, and again most recently on XX/XX/2022. Nothing has been validated or deleted. I received a letter in XXXX stating that the account in question was verified, but I did not receive proof validating the account or that I owe this collection agency. I have no relationship with XXXX XXXX XXXX XXXX and this account should be removed from my report immediately. I have been waiting on information for 3 months and this is unacceptable. All 3 bureaus have inconsistent information reporting for this account so how will I be able to validate what is accurate or not? I do not owe this company anything so please remove this account. I will include the letters that I have sent as well as the dispute letter stating that the account was verified. Please conduct a thorough investigation and provide names and business addresses of each individual with whom you verified this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: MI

Complaint narrative:
I have made many cfpb complaints concerning Experian reporting of my name! My name is hyphenated and someone is intentionally manipulating info from tax documents to 1098. It seems again someone is changing my information on documents and possibly loans that were mine in order to attach loans that are not mine in the name of XXXX. I recommend you document this- it might get closed/ deleted and attachments deleted like the pertinent complaints that after 3 months of being on file was deleted. Other things occurring in my apt and car.. Items are being stolen from my possession of w2s old tax documents etcold jobs - evidence of fake and real -its crazy that people are allowed to do this! Experian once said all accounts were submitting XXXX but that wasnt true at the time- I am concerned that someone has taken loans out in name of XXXX XXXX 100 % verified my loans are in my hyphenated name! Why would they ( those behind changing my name in other places ) go through this to prove a point thats false - because it is a way of doing business and more people will suffer until this is exposed! I cant even risk saying what I want about why Experian continues to report my name wrong then right, then Im blocked- then report it wrong again! Follow up doesnt happen /! its like a scam is going on in dept of Ed/servicers and Experian. Loans were removed and put back on -! I believe they redid the loans I did take out and went through my accounts, schools, changing things to XXXX - Whats happening is illegal- so many are acting as if the are above the law! XXXX was compromised and used to change Experian info - I didnt do some of these and it seems disputes were reopened and activity kept happening with out me involved- so much control and I would love to be able to have a fair chance to defend my name instead - someone is determining and changing my name without legal presidence? 
in XX/XX/2022 it seems XXXX added accounts XXXX XXXX back on that were already on.. there are so many things that lead me to believe what Im saying- mainly changes and theft of documents finding two of same thing in diff names!

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 2022-09-22 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: MD

Complaint narrative:
This is an old tuition bill at XXXX XXXX University that I have been disputing for more than 6 years now. About 2 years ago, XXXX XXXX starting using a company called XXXX XXXX to report this to the major credit bureaus as an account with a payment schedule. To date, they have reported 16 missed payments on my credit report. I have never had a payment schedule on this account! 

They are also reporting that payments have been made on this account as recent as XXXX. Both of these actions seem to be an attempt to try to keep the debt alive while simultaneously ruining my credit. My credit report shows that prior to XX/XX/XXXX, there was no payment history being reported on this account. It suddenly shows up in XX/XX/XXXX, nearly 4 years after I first disputed this account. 

I have disputed this information 7 times with TransUnion and each time, I am merely told that disputed information was verified as accurate. I am never given any proof that validates this. I would like proof of this payment schedule that they claim I am delinquent on. Please ask them to provide a SIGNED payment agreement. Also, regarding the payments they claim have been made on this account; Please ask them to provide scanned images of a check, wire transfer, or credit card authorization proving that this payment was actually made. As I said, it feels like an attempt to keep this debt alive. 

I have been turned down for two mortgages because of this false reporting and am in fear that it will cost me my job if a credit check is performed as an ongoing condition of my employment. If XXXX XXXX can not provide a signed payment agreement or indisputable proof that payments have been made on this account, I respectfully request that they be required to remove this information from my credit report. 

Thank you for your assistance.

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 2022-09-22 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: AmeriCollect
State: TX

Complaint narrative:
XXXX, XXXX XXXX XXXX are braking the law! 

Under 15 USC 1681 a number 3. You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial.

15 US Code1681b ( You need permission to report on my CONSUMER report ).

15 U.S. Code 1692j ( a ) It is unlawful to design, compile, and furnish ANY form knowing that such form would be used to create the FALSE belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Communicating with a third party that I owe a debt is illegal!

I would also like to add I didnt give them permission to have my personal identifying information which they obtained by aggravating identity theft in accordance with 18 usc 1028A.

15 USC 1692b : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- 15 U.S. Code 1602 p ) The term " unauthorized use, '' means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

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 Amount- {$1800.00} My one year and I are experiencing hardship of the illegal practices that is reporting on my CONSUMER REPORT and financial distress. I feel validated! We are homeless and have no where to stay due to this matter.

I am DEMANDING you to remove these collections accounts!

for Improper use on my consumer report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: AR

Complaint narrative:
I am reaching out on the behalf of our mutual customer, this letter below i sent to Shellpoint and they have yet to respond. I have called more times than I can even remember at this point. They keep telling me that they can not write me a letter stating that they ( shellpoint ) will in fact release the lien on the front of the Mobile Home title even though it is not Shellpoint, it is XXXX XXXX  XXXX XXXX XXXX. This is a major problem, because the lender will not move forward with the loan until they assure us in writing that they will pay off the loan in which they have already sent me a payoff statement for as well. 
Can you help me?????? 

We have been working for several weeks to get this closed for the Hulls, the problem we have run into is that the front of the original MH Title that you have in your possession has the lien holder as XXXX XXXX  XXXX XXXX XXXX. 
I really hope you are able to help me, so this deal does not get terminated. 
XXXX XXXX  who is the buyers lender wants something in writing from you ( Shellpoint ) stating that once we pay off the loan referenced above with the payoff statement you provided attached, you will then sign off and release the lien from XXXX XXXX  XXXX XXXX XXXX that is on the front of the MH Title. I sent them the payoff statement that I received from you for the loan, it is still not enough to satisfy them. When I called Shellpoint, you offered to send me the welcome letter you got from XXXX, but again XXXX XXXX  said that would not satisfy their concern as to one we pay Shellpoint off that Shellpoint will sign off the lien from XXXX XXXX  XXXX XXXX XXXX and send the original MH Title to us to finish the cancellation of XXXX  XXXX. 
If you have any questions or any advice to help, PLEASE contact me. We are running out of time to get this deal closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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 and I have rights that covers me under 15 USC 1681.

Equifax is governed by 15 USC 1681 and my rights have been violated numerous times. I demand the accounts listed below to be removed.

Based on 15 USC 168 : I have the right to privacy and I did not give Equifax the right written permission to furnish these accounts. 

Delete these accounts below : XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On XX/XX/22 a charge for {$1300.00} with XXXX was made against my XXXX XXXX XXXX account. When I received my statement on XX/XX/22 I called Synchrony Bank and they informed me they would open a Fraud Claim. I received no other instructions. On XX/XX/22 I received a letter of Approval for the Fraud Claim with a stipulation it was still in review for XXXX  days. XX/XX/22 a letter stating I was responsible for this charge. 
Because the purchase was shipped to my address and that I participated in or benefited from this purchaseXXXX I called the Bank and they opened a new Fraud Claim.

I sent letter to the Bank President twice and received no action. two more Claims were opened and I sitll did not receive credit from Synchrony Bank. 
Police report was filed and in XXXX the Bank sent an affidavit to be completed. 
I just don't no what I'm suppose to do.

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 2022-09-22 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: WI

Complaint narrative:
On XX/XX/2022 my credit score changed on all 3 credit reporting agencies. On paper it shows with XXXX and Transunion that my credit score went up XXXX XXXX points. They refuse to report it online. 2 months ago I sent a research request form to XXXX to change my credit report online. No response. I have requested Transunion to call me back and change my credit score online no response. Right now I only care about Transunion because XXXX XXXX XXXXXXXX only works with them. I am trying to get a mortgage. All three credit reporting agencies should give me more than XXXX FICO points back. I had a XXXX late payment deleted from my record but all credit reporting agencies refuse to give me all of my points back.

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 2022-09-22 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: WI

Complaint narrative:
In 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 2022-09-22 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: WI

Complaint narrative:
In 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/2020 on or around XXXX My car was broken into. All my personal information and electric devices was stolen my from my car. my social security card Identification card. 
I started to received information when my credit score started to decline. 
I notice different addresses and credit cards also 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 explanation
Consumer complaint received 2022-09-22 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: MS

Complaint narrative:
The complaint # XXXX was filed XX/XX/22 and it's been more than 30 days and company have not yet responded about account cc/XXXX XXXX # XXXX. By law they have roughly 30 days to respond or they are required by law to remove the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I need these accounts updated to all payments made on time, I have never missed a payment. I also have never made a late payment on these accounts. I need these accounts updated to all payments made on time which is accurate. I have disputed this information and have not gotten any responses back. 
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 2022-09-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: AR

Complaint narrative:
I made an online payment with the bank account information I have online which is my checking account as I mostly always do. So I was checking my account everyday there after to see if the payment had came out which it haven't, after a week or so I decided to call my mortage company to see if they had received the payment and the representative I talk to said the payment had posted, don't worried it will probably appear on your account. After a week or so it still hadn't came out so I called my mortage company again and the representative this time told me it had been reversed because of a close account which is not the account I used to make my payment. This only happens when we try to do a streamline refinance with our mortage company. We never have a problem until then. So at that time I schedule a payment to come out on XX/XX/2022 but it didn't come out until a later date trying to cause me to be late which was no fault of mines. I wouldn't had known the payment got reversed if I have not call my mortage company I didn't get a email letter or anything communicating with me about the failed payment. So I had been impacted by COVID-19 so I requested forbearance and the representative told me I have XXXX qualifying months left and told me I have to pay for XXXX and I want have another payment until XXXX, and that it wouldn't affect my credit report. Another week past by and I didn ' get any kind of confirmation so I called again to see if I needed to do anything else and they told me I had max out but wouldn't tell me how many months it takes to max out, I only used 9 months with 3 qualifying months left, so how can I be max out, so please check the partial claim it will verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: SD

Complaint narrative:
I received an email from Chase Bank congratulating me for opening and account which I didnt, there followed up with a second email informing me of a successful change of address/email. So I immediately contacted Chase Bank with this complaint and they took my personal information to verify. The later confirmed that my personal information was used to open an account. I did not and have never transacted business with Chase Bank. The fraud department lady said she will put a temporary hold on those accounts and sent some paperwork today after 14 days of waiting for me to complete and return with a police report. I just received this paperwork and will be doing so on the coming days. I do not know how much damage this fraud has coursed yet and will really want to know how Chase Bank could permit an account opening without any form of identification or 2 forms of mail to establish address. Chase Bank claim the account was open online but even with that, it should require some identification uploaded online.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
Navy Federal Credit Union has gotten progressively dangerous to their members. Average hold time is over 45 minutes to make routine banking transactions. 

On XX/XX/22 NFCU charges me for a NSF fee when I had the proper amount of money in my account to cover an ACH. They laughed at me and then put me on hold for 30 more minutes. They are deceitful and their business model makes it nearly impossible to resolve any issues. 

Please help. Thanks for your time and for grounding these entitled institutions that prey on military. 

XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation