vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-19 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: MS

Complaint narrative:
I informed the XXXX, XXXX, Transunion and each of the secondary reporting bureaus that I am a victim of identity theft. There are accounts on my file that do not belong to me. XXXX did resolve my complaint and removed the fraudulent items. The others have not. 15 USC 1681 c 2 says that a consumer reporting agency has to block and remove all information on a consumer file that resulted from an alleged identity theft within 4 days of receipt. My rights are being violated and I need assistance with this matter.

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 2022-09-19 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: MS

Complaint narrative:
I informed the XXXX, Equifax, XXXX and each of the secondary reporting bureaus that I am a victim of identity theft. There are accounts on my file that do not belong to me. XXXX did resolve my complaint and removed the fraudulent items. The others have not. 15 USC 1681 c 2 says that a consumer reporting agency has to block and remove all information on a consumer file that resulted from an alleged identity theft within 4 days of receipt. My rights are being violated and I need assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: MIDFIRST BANK
State: WA

Complaint narrative:
My name is XXXX and I am a XXXX by trade. My husband, XXXX, is active-duty XXXX and we are stationed at XXXX XXXX XXXX. We were promised a VA partial claim by our lender and they have denied us a partial claim and our attempting to modify our loan. WE NEED A PARTIAL CLAIM, PLEASE HELP. 
In XX/XX/2021, XXXX and I requested a Covid-19 forbearance from our lender because my employment was terminated due to lack of stability during the pandemic. When I contacted the lender they informed me that I would have three options at the end of forbearance if I was able to resume my monthly payments : 1 ) pay all at once, 2 ) make partial payments that are added to my payments for a set amount of months, or 3 ) file a partial claim with the VA where the VA assumes the missed payments and it is paid when the loan matures or the property is sold. 
We selected option 3 and were told that the VA would NOT modify our loan and we would not be forced to pay the money all at once. I made contact with the lender several times throughout the year and they maintained that there was partial claims being submitted. I was informed the week of XXXX by Midland staff that partial claim was still available and would be fine. 
After the forbearance started I took a job with a $ XXXX a year decrease. We have exhausted all our resources to get back into a good place and for me to start a new position that pays more than when I lost my job in XXXX. We are fully ready to resume our previous payment. 
I contacted Midland Mortgage in XXXX to inform them that we would be ready to make our payment in XXXX. Midland informed us that the VA gave us two options now : make $ XXXX payments to catch up ; or, have the VA pay the amount due and Midland would modify our loan and increase the interest rate to market value. THIS IS NOT HELP. THIS WOULD PUT US ON THE STREETS. 
We were told by the VA and the lender that our loan would not be modified and the amount would be covered by the VA until the maturity of the loan without penalty. Our current interest rate is XXXX and market rate is about XXXX, this increase would force us out of our home and likely bankrupt us. 
Please help us get what we were promised, a VA partial claim added to the loan without modification. My husband works every day serving this country and this is not the way that soldiers should be treated. Please help.

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 2022-09-19 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: TX

Complaint narrative:
I am not asking your credit reporting agency to validate or verify any information from XXXX XXXX. I have already sent a notice of Validation according to 1006.34, XXXX XXXX has already sent me letters and statements from the original creditors they have bought the debt from. I am simply advising you that due to XXXX XXXX not being a creditor, they did not validate any debt according to 1006.34 ( b ) ( 2 ) ( iii ) 1. Last statement date. Under 1006.34 ( b ) ( 3 ) ( i ), the last statement date is the date of the last periodic statement or written account statement, or invoice provided to the consumer by a creditor. For purposes of 1006.34 ( b ) ( 3 ) ( i ), the last statement may be provided by a creditor or a third party acting on the creditors behalf, including a creditors service provider. 
However, a statement or invoice provided by a debt collector is not a last statement for purposes 1006.34 ( b ) ( 3 ) ( i ), unless the debt collector is also a creditor. 
According to CFPB 1006.2 Definitions. 
( g ) Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. The term creditor does not, however, include any person to the extent that such person receives an assignment or transfer of a debt in default solely to facilitate collection of the debt for another. 
I have already sent your agencies multiple documents and evidence showing proof that XXXX XXXX has not validated any of the debt according to 1006.34 b 3 i. Please follow the regulations that have been put in place for you to follow or I will have to seek remedy and file a lawsuit. 
Please look at the past complaints and documents I have already sent, do not request for XXXX to verify. THIS DEMAND IS STRICTLY FOR THE CREDIT REPORTING AGENCIES ONLY TO FOLLOW.

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 2022-09-19 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: PENTAGON FEDERAL CREDIT UNION
State: CO

Complaint narrative:
Member # XXXX, In regard to the continuing saga of trying to get XXXX XXXX market CD released, I have an appointment with a lawyer on Monday to try to have these funds released. I dont know what will happen, but if you get a letter from an attorney, you will probably turn it over to a large legal team that will stall this matter in court for ever. However I might not have any choice because of your lack of cooperation so far. I am hoping Pen Fed, worth XXXX, has the integrity to comply to this request of returning {$10000.00} to its rightful owner. 
We have been trying to get this money released since XXXX. 
To date at you or someones request we have provided PenFed with 2 XXXX, because the first one was not good enough. A letter from XXXX asking for her money, then the same letter notarized. Since her address and phone number are no longer valid, one of your associates wanted to talk to her on the phone from her bed in the rehab center. That got the money transferred to another account which does not help. We have provided your forms ; XXXX Agents Affidavit, XXXX, and Statement of Indemnity, XXXX. You have even been contacted by XXXX XXXX, an organization helping me to apply for Medicaid for XXXX. 
Your last email said that you wanted to review the XXXX, which you received on XX/XX/XXXX. If you have taken the time to do so, it has been a month since it was received by you. 
XXXX at the age of XXXX, fell in her apartment on XX/XX/XXXX, she had a XXXX XXXX and has been in a hospital or rehab for about a month and now because of accelerating XXXX, has been placed in a memory care facility, nursing home for the rest of her life. She is no longer able to communicate with you. 
In order for her to be accepted by Medicaid, she needs to exhaust all of her assets. She is in desperate need of these funds to continue care. I am appealing to you one last time before I meet with the attorney

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 monetary relief
Consumer complaint received 2022-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent Trans Union the information below in separate complaint forms on XX/XX/2022 and updated information on XX/XX/2022. Trans Union has refused to remove the said below account but removed other accounts that were sent at the same time. I am the individual whose credit file these items do not belong on. But Trans Union has allowed entities to place whatever on my credit consumer file my privacy has been invaded this has been stressful to me I have literally been sick over errors on my consumer credit file. when I called to try to speak with someone at Trans Union tells me about their policy and their rights all while Im speaking to someone overseas about my account though Transunion is based in the United States. I am requesting that I be sent an updated account after the removal of the said accounts below as well as my credit score. Please send me a copy of my credit score for free. 





XXXX. XXXX. Amt {$3900.00} Acct # XXXX CFPB # XXXX XXXX Acct. # XXXX CFPB # XXXX XXXX. XXXX ACCT # XXXX CFPB # XXXX XXXX. XXXX ACCT # XXXX CFPB # XXXX All these errors, violations and fraudulent entries are grounds for permanent removal. In association with these companies fraudulent reporting statements, my credit score has plummeted and caused me distress, lost of income, credit denials and lost of business opportunities. 15 U.S.C. 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. I WAS NEVER GAVE WRITTEN INSTRUCTIONS REGARDING ANY OF THE SAID ITEMS TO BE PUT ON MY CONSUMER REPORT. 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector all the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt I NEVER CONSENTED TO THE DEBT COLLECTOR TO COMMUNICATE WITH ME 15 U.S.C 1681c. ( a ) ( 5 ) Trans Union please see the CFPB report you already have in your possession in your fraud department with this information which coincides with the CFPB reference number provided inside of this letter. Once again Im sending this to you and it should be resolved by tomorrow the XXXX extra information was just sent to you on the first of this month thats all so please do not try to open another dispute. 

Please provide me with your registered agents address. 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 2022-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I was approved for a Chase Amazon XXXX Rewards Card. In the 5 years that I have had the card, I have used it legally and consistently ( the card is linked to my Amazon XXXX membership, which I use extensively ). Copies of the card statements show that there was never any problem with repayments or any aspect of the account. Any credit is currently paid off and I owe {$0.00}. My credit limit was increased by Chase Bank over the years ( because of my proper use and credit history ), and currently is {$13000.00}. [ I am attaching copy of my credit card statements ] On XX/XX/XXXX ( over four years after having been approved for the credit card ) I received a letter from Chase Bank ( written XX/XX/XXXX ) stating : " After careful consideration, we have decided to close your credit card account because of your association with a Chase credit card, deposit or investment account that was previously closed. '' ( and specified the last 4 digits of my Chase Amazon XXXX Rewards card ). I am not aware of any accounts that I have had at Chase, or why closing them would affect the standing of my credit card. I had a mortgage loan at Chase over several years, and it was fully paid off in XX/XX/XXXX. [ I am attaching copy of the letter ] I immediately called the customer service telephone number on the back of my card, and was told that the only way to obtain more information was to write a letter to the Chase Bank Executive Office at XXXX XXXX XXXX XXXX XXXX, OH XXXX. It was the weekend, so I waited until Monday to see if I could receive additional information through my local Chase Bank branch. 

I drafted a letter to the Chase Bank Executive Office and sent it. I have not received a response. [ I am attaching copy of my letter ] On Monday XX/XX/XXXX I went to the XXXX XXXX branch of Chase Bank and spoke with XXXX XXXX ( Private Client Banker ). He could not see any additional details or notes on his computer, so he asked for some time to contact other departments of Chase Bank. 

I returned to the branch on XX/XX/XXXX and XXXX XXXX had not been able to obtain any additional information. But he expressed surprise that my credit card would be closed, since my record looked perfect in all the time since I was approved for the credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: FL

Complaint narrative:
DELETE THIS UNCONFIRMED INQUIRY LACKING CERTIFIABLE EVIDENCE UNLESS PHYSICALLY CERTIFIED VERTIFIED PROOF IS DEMOSTRATED PER U.S. CODE 15 U.SC 1681 ET SEQ. SECTION 604 OF FAIR CREDIT REPORTING ACT. ONCE YOU HAVE FULFILLED MY REQUEST, MAIL ME AN UPDATED CREDIT REPORT REFLECTING THESE CHANGES! 

XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Paramount GR Holdings, LLC
State: AZ

Complaint narrative:
XXXX XXXX : XXXX, XXXX, XXXX XXXX XXXX  XXXX every day. 
XXXX : XXXX, XXXX, XXXX XXXX XXXX  XXXX They are aware I have a XXXX  XXXX and am XXXX XXXX often. 
They threatened with " The calls will continue until you pay '' They threatened with " We may cut your electricity if you dont pay '' They continue to call 4-8 times a day, every day from different ohone numbers. So far they have used 68 different numbers. 
XXXX XXXX Using every suffix possible. 
I was lied to in order to sign a solar energy scam that was supposed to lower my energy bill but has raised my bill from {$80.00} a month to {$180.00} a month. 
I am XXXX and XXXX XXXX  and they took advantage of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: FL

Complaint narrative:
DELETE THIS UNCONFIRMED INQUIRY LACKING CERTIFIABLE EVIDENCE UNLESS PHYSICALLY CERTIFIED VERTIFIED PROOF IS DEMOSTRATED PER U.S. CODE 15 U.SC 1681 ET SEQ. SECTION 604 OF FAIR CREDIT REPORTING ACT. ONCE YOU HAVE FULFILLED MY REQUEST, MAIL ME AN UPDATED CREDIT REPORT REFLECTING THESE CHANGES! 

XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX 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 explanation
Consumer complaint received 2022-09-19 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: TN

Complaint narrative:
Im accordance with the Fair Credit Reporting Act, XXXX account number # 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 states that a consumer reporting agency can not furnish my 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 2022-09-19 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: TN

Complaint narrative:
Im accordance with the Fair Credit Reporting Act, XXXX account number # 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 states that a consumer reporting agency can not furnish my account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: LA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-09-19 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: IL

Complaint narrative:
Reporting inaccurate missed payments

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 2022-09-19 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: IL

Complaint narrative:
Reporting inaccurate missed payments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Self Financial Inc.
State: FL

Complaint narrative:
I had multiple XXXX XXXX transactions on my credit card and debit card and, after noticing several expensive items were missing from my home, I called the police. My cousin was subsequently arrested and admitted to making the transactions with her boyfriend. A warrant was issued for her boyfriend but he had not been found yet. I called and Disputed all the transactions with Self financial and provided them with the arrest report number. However, they forgot to close my card and even more transactions came after. I now got a notice in the mail stating that they determined no error occurred even though there was an arrest made for the fraud. It is difficult to even speak with someone and when you do, they have no knowledge on the subjects. This is a fake company and they make money on others hardships.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: NBT BANCORP INC.
State: NY

Complaint narrative:
I tried to fix this with nbt bank and they refuse to correct this I owe XXXX not XXXX and they will not correct it

Company response to consumer: Closed with explanation