vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and 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 2022-04-06 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 XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and 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 non-monetary relief
Consumer complaint received 2022-04-06 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: KS

Complaint narrative:
XXXX Im not sure whats going, however there must be a huge discrepancy in credit reporting between TransUnion and XXXX. After already disputing TransUnion previously about fraud accounts/debts on my credit report that belonged to another person, how and why is it not correct on my credit report thru TransUnion? Compare my XXXX credit score is XXXX pts higher that TransUnion. Isnt XXXX the company that provides all the same information to credit reporting agencies? Something is very wrong here, TransUnion is being fraudulent about my credit reporting account. Please check the facts and correct.

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 2022-04-06 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 — Problem with personal statement of dispute
Company: CL Holdings LLC
State: NY

Complaint narrative:
On XX/XX/22. I sent a letter to Credit Bureau XXXX in regard a charge off from XXXX XXXX. Their respond was investigation complete report by furnisher data. Still on my credit report. 

On XX/XX/22. I sent a credited letter again to Credit Bureau XXXX in regard a charge off from XXXX XXXX. Sold to Jefferson Capital Systems , LLC. I asked to send my any document bearing my signatures statement I own this debt. Their respond was investigation complete report by furnisher data. Still on my credit report. 

Yet again. On XX/XX/22 I sent another credited letter to Credit Bureau XXXX in regard a charge off from XXXX XXXX. Sold to Jefferson Capital Systems , LLC. I asked to send my any document bearing my signatures statement I own this debt. Their respond was investigation complete report by furnisher data. Still on my credit report. 

In the past two months. I've add to receive any documents bearing my signatures, that state I own this debt and nothing was send only " investigation complete report by furnisher data ''. Still no documents of any kind with my signature proving I own the charge of debt was even sent. I want so help in the matter. Thank you in advance. Namstes and have a peaceful day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: NY

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report so I am able to purchase a home for me and my family .I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete these items as soon as possible : I noticed this problem in XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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 2022-04-06 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:
In accordance with the Fair Credit Reporting Act XXXX AccounXXXX XXXX XXXX No. 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 2022-04-06 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-04-06 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: PNC Bank N.A.
State: GA

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against PNC BANK CONSUMER CREDIT BUREAU for committing identity theft. I have never given PNC BANK CONSUMER CREDIT BUREAU any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have never received any documentation requesting validation from PNC BANK CONSUMER CREDIT BUREAU before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If PNC BANK CONSUMER CREDIT BUREAU can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

The status of this account reporting as a Charge Off is an inaccurate account, which is a violation of 15 U.S. Code 1681e ( b ).

The continued reporting of this inaccurate information is a clear violation of15 U.S. Code 1681s-2of your responsibilities as a furnish ofinformation & 15 U.S. Code 1681e ( b ).

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until PNC BANK CONSUMER CREDIT BUREAU can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and PNC BANK CONSUMER CREDIT BUREAUcontinues its collection efforts, I will file for litigation for actual damages caused and PNC BANK CONSUMER CREDIT BUREAU will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: LA

Complaint narrative:
THESE FOLLOWING COMPANIES ON THESE FOLLOWING DATES FRAUDULENT PLACED A HARD INQUIRY ON MY PERSONAL CREDIT REPORT FROM CREDIT BUREAU XXXX : ( 1 ) XXXX XXXX ( XXXX XXXX XXXX XXXX, VA XXXX ) requested a fraudulent hard inquiry on my credit report with XXXX on XX/XX/XXXX. 
( 2 ) XXXX  ( XXXX XXXX XXXX XXXX, GA XXXX ) requested a fraudulent hard inquiry on my personal credit report from XXXX on XX/XX/XXXX. 
( 3 ) XXXX XXXX ( XXXX XXXX XXXX XXXX, VA XXXX ) requested a fraudulent hard inquiry on my personal credit report from XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
( 4 ) XXXX XXXX ( XXXX XXXX XXXX XXXX, VA XXXX ) requested a fraudulent hard inquiry on my personal credit report from XXXX on XX/XX/XXXX. 
( 5 ) XXXX  XXXX ( XXXX XXXX  XXXX XXXX, VA XXXX ) requested a fraudulent hard inquiry on my personal credit from XXXX on XX/XX/XXXX, XX/XX/XXXX. 
( 6 ) XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ) requested a fraudulent hard inquiry on my personal credit from XXXX on XX/XX/XXXX, XX/XX/XXXX, XXXX ( 7 ) XXXX  XXXX NA ( XXXX XXXX  XXXX XXXX US XXXX XXXX XXXX VA XXXX ) requested a fraudulent hard inquiry on my personal credit report from XXXX XXXX XX/XX/XXXX. 
( 8 ) XXXXXXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX, IN XXXX ) requested a fraudulent hard inquiry on my personal credit report from XXXX on XX/XX/XXXX. 


IN ADDITION, EQUIFAX CONSUMER INFORMATION SERVICES WON'T REMOVE THE FOLLOWING FRAUDULENT HARD INQUIRIES FROM MY PERSONAL CREDIT REPORT : ( 1 ) XXXX ( XXXX, XXXX XXXX XXXX XXXX. XXXX, FL XXXX ) requested a fraudulent hard inquiry on my personal credit report from EQUIFAX on dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) requested a fraudulent hard inquiry on my personal credit report from EQUIFAX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( 3 ) XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, VA XXXX ) requested a fraudulent hard inquiry on my personal credit report from EQUIFAX on XX/XX/XXXX. 
( 4 ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XXXX requested a fraudulent hard inquiry on my personal credit report from EQUIFAX on XX/XX/XXXX. 
( 5 ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX ) requested a fraudulent hard inquiry on my personal credit report from EQUIFAX on XX/XX/XXXX. 
( 6 ) XXXX XXXX XXXX  ( XXXX 'S XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX requested a fraudulent hard inquiry on my personal credit report from EQUIFAX on XX/XX/XXXX. 
( 7 ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX ) requested a fraudulent hard inquiry on my personal credit report from EQUIFAX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL

Complaint narrative:
This was due to the Covid-19 pandemic and loss of income, increased health risks, and complications. This account meets the FCRA requirements. I greatly appreciate your cooperation in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against FIFTH THIRD BANK for committing identity theft. I have never given FIFTH THIRD BANK any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have never received any documentation requesting validation from FIFTH THIRD BANK before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If FIFTH THIRD BANK can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 
The status of this account reporting as a Charge Off is an inaccurate account, which is a violation of 15 U.S. Code 1681e ( b ).

The continued reporting of this inaccurate information is a clear violation of15 U.S. Code 1681s-2of your responsibilities as a furnish ofinformation & 15 U.S. Code 1681e ( b ).

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until FIFTH THIRD BANK can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and FIFTH THIRD BANKcontinues its collection efforts, I will file for litigation for actual damages caused and FIFTH THIRD BANK will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: LA

Complaint narrative:
We had hurricane XXXX pass and we asked to put 2 months on the back of our loan. We called back to start paying they said hey messed up and did it as we needed help with covid, and they said h to my cant do it anymore we would need to make payments in 4 plus our mortgage. Told them that was not possible and they had to add it to the back of the Lon like the lady told us. They tell us they can not do that and start a modification process, we had no idea what this was. We are first time buyers new to all of this. It has been since XX/XX/2021 and we still have no answer we are behind XXXX and can not make any payments to them. Mr cooper is treating us so wrong and has done nothing to help us with the situation. They are the worst mortgage compny

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: NY

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report so I am able to purchase a home for me and my family .I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete these items as soon as possible : I noticed this problem in XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/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 2022-04-06 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: NY

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report so I am able to purchase a home for me and my family .I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete these items as soon as possible : I noticed this problem in XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: Navient Solutions, LLC.
State: IL

Complaint narrative:
Navient, XXXX, XXXX, XXXX Bank, and XXXX XXXX has been reporting fraudulent activities on my credit report. I reached out to each XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. I also reached out to each bureau those months as well. 
XXXX, XXXX XXXX XXXX XXXX XXXX have been reporting debt on my credit report thats isnt mines. I have sent the collections agencies letters and the bureaus letters. I have spoken with the collections agencies & bureaus. I have not received any results. Each credit bureau said over the phone that I dont own the debt but until the collection agencies send an electronic authorization number for it to be remove it will not fall off until XXXX. This fraudulent debt has been on my credit report since XXXX. Each bureau keep illegally updating these fraudulent accounts. Ive asked numerous of time for them to validate the debt. They wont prove its mines. XXXX XXXX or XXXX has not responded back. Navient, XXXX, XXXX, XXXX bank XXXX XXXX XXXX XXXX has not responded back either. XXXX responded but did not validate or verify any debt. They updated the report as if its mines and dropped my points by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
A seller sent me fake XXXX sending receipt with the tracking number hidden saying that he will send me that once I transfer the money. I paid half the money via paypal and other half using Venmo. Once I sent the money he stopped replying to my messages and calls. The companies said they can not help since I did not choose seller protection. Now I lost my money and did not even get the product.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: WA

Complaint narrative:
The lender is one of a growing number which appears to be subjecting penalties targeting XXXXs who invoked forbearance protections in violation of VA Circulars not limited to XXXX, XXXX, the Cares Act, and Public Laws 116-33 & 115-174 When a new cash out refinance loan exceeds the amount of the original loan principal, seasoning of the loan does not apply per 38 USC 3709 ( d ). In XXXX I applied first for an equity line of credit. When that failed, I then applied for a VA Type II cash out refinance also in XXXX. The lender erroneously insisted because covid forbearance resulted in credit reporting suppression until XXXX of XXXX that no payments were made until XX/XX/XXXX. I explained that I continued to make payments despite forbearance credit reporting suppressions. Nevertheless, my applications where canceled because the lender insisted, I needed to make 12 months of payments for the equity line of credit. In the alternative, I would need to make 6 months of payments to obtain a VA backed refinance. 

When I explained to the lender no seasoning is required under the exception for Type II cash out refinances, my concerns were ignored, and my loan application was canceled despite superior credit worthiness. It is particularly inherently predatory and discouraging to XXXX for lenders to apply seasoning to all VA backed loans in violation of the statutory rights to the cash out refinance seasoning exceptions under 38 USC 3709 ( d ). Lenders are not allowed to consider XXXX an unsatisfactory credit risk since the Veteran received some type of Covid emergency relief. Pentagon Federal explicitly used deferred payments, or the appearance thereof based on credit suppression, as the sole reason to deny credit. This per XXXX XXXX by telephone and memorialized shortly thereafter by email seeking confirmation on XX/XX/XXXX. Even though I tried to reason with the lender outside of this process, such attempts are fruitless.

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