vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rozlin Financial Group, Inc.
State: GA

Complaint narrative:
Someone use my identification to open up an account with rozlinfingrp for {$1300.00} on XX/XX/2022 I did not do this

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 2022-09-13 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: Paramount Recovery Systems, L.P.
State: MO

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: Aargon Agency, Inc.
State: MO

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-09-13 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a natural person my name is XXXX XXXX the Credit bureau violated my rights the disrespect me they disrespect my rights to privacy XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX Auto XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX Bank ) XXXX XXXX, XXXXXXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX Bank ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XXXX Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: PlusFour, Inc
State: MO

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-09-13 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: VA

Complaint narrative:
EQUIFAX I am the natural living man, Executor, trustee, beneficiary and legal copyright owner of the said name as shown on my social security card and birth certificate, and all other variations of such name/entity. I have sent the necessary documents proving my sole ownership. EQUIFAX has yet to respond to my request/dispute and it has been well over 30 days since the notice has been received by EQUIFAX which is a direct violation of 15 USC 1681i ( a ) ( 1 ) ( A ). According to my congressional findings Pursuant of 15 USC 1681b ( 2 ) - A consumer has the right to DEMAND remedy by means of written or oral communication. In addition, based on the due diligence I have done, according to 15 USC 1681 ( a ) ( 1 ) - Congressional findings and statements of purpose : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. As EQUIFAX would know, there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the for the consumers right to privacy. I am afraid that EQUIFAX has not been exercising their grave responsibilities that were given to them, nor performing reasonable procedures for meeting the needs of the commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to me, the consumer, regarding the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of 15 USC 1681b Reasonable Procedures. I have remained humble throughout these past couple of years despite all the stress, abuse, and harm that EQUIFAX has caused me. I have had enough of the abuse and unfair practices from EQUIFAX. Pursuant of 15 USC 1681b ( 2 ), I did not give EQUIFAX any form of written instructions to accept, furnish, or report any information on my behalf. By the powers vested in me by the TRUE living GOD, I hereby DEMAND that all Negative accounts, Late Payments, Inquiries, Delinquencies, Charge Offs, that was not Authorized or Verified by me, the consumer, in written format to be Updated IMMEDIATELY according to 15 USC 1692g ( a ) ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: TX

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 explanation
Consumer complaint received 2022-09-13 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: TX

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: LA

Complaint narrative:
On XX/XX/22, I noticed my credit score dropped significantly. I signed into my credit report and noticed a derogatory account had been reported. I am unaware of any outstanding debts that I owe and the report had very little information other than an amount owed ( around {$350.00} ) and a XXXX # so I called the XXXX number listed on the account, it directed me to a company called National Recovery Agency. XXXX. There was an automative service designed to collect the payment owed but I asked to speak to an agent. The first agent hung up on me after I said I have no idea what this debt is and no record or mail pertaining to this debt and having that information is what the proper and lawful procedure is for collecting debt. I called back and the second agent would not give me any information, said something about a lawyer and hung up on me. Both agents were extremely rude and unprofessional. I still have no idea what this debt is and they refuse to tell me all while demanding I pay it and hurting my credit score. I have reason to believe this company is not operating in good faith and is possibly operating illegally. I am not just concerned for myself but for others. I read the many complaints on the XXXX and its all very similar w/o any resolution. I reported this to XXXX, and have filed a complaint with the XXXX I have no way to reslove this with the company b/c the company refuses to even tell me what this debt is. And yes they did harass me with phone calls and texts prior but I didnt answer the voicemails or texts assuming it was an obvious scam since I am completely unaware of any outstanding debt owed nor has any record of it been mailed to me so I figured it was an attempt to collect information from me. I would block the # and they would call from different phone # which lead me to believe they are definitely scammers. 
Please investigate National Recovery Agency.

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 2022-09-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
I have attempted to fix this situation with Exeter which they sold this fraudulent account to XXXX XXXX XXXX, I have sent letter to provide information of : 1. The original Retail Installment Sales Contract or Lease Agreement, associated with the sale and financing / leasing of this vehicle. Please be sure to include any arbitration provisions. 
2. The full payment history on this account. That includes monthly balance, required minimum payment, and the actual amount paid. Please be sure to include the date of each payment. 
3. The Notice of Sale / Notice of Default, informing me of the date, location and method through which the vehicle would be sold, and how I could redeem the vehicle. Please provide proof of mailing for this letter.

4. Explanation of Calculation of Surplus or Deficiency, including an itemized description of costs and fees. Please provide proof of mailing for this letter. 
5. Any notices regarding our clients right to redeem personal property contained in the vehicle. Please provide proof of mailing for this letter.

6. Details regarding whether this was a public or private sale. If this was a private sale, please advise as to whether this was a wholesale transaction ( dealers/ vendors only ) or open to non-professional buyers. 

Nothing has been sent back to me. Letters were sent on XX/XX/2022, XX/XX/2022, and i even submitted complaints of fraudulent activity via the CFPB about 1 month ago and Exeter 's response was that they sent a letter of their investigation. No investigation happened though.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
XX/XX/2022 1st financial has since then harassed me almost everyday and continue to harass. This account is involved in an lawsuit but yet I'm still getting phonecalls emails text messages mail letters. Under law the credit bureau has to correct and inaccurate information. The company have not yet verified my information but it's still on my credit report

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 2022-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
The bank is not providing credit for payments made and held in the suspense account. I am attaching correspondence from the bank dated XX/XX/2020 and XX/XX/2020 wherein they acknowledge receipt of payments and that the payments were returned to me in the form of various checks therefor they no longer have my funds. I have also attached copies of some of the checks sent to me but not cashed. ( I also note the bank correspondence indicates additional checks were sent that I do not have ) finally I have I attached the banks affidavit of amount due and owing which lists a {$0.00} amount for the line item less/plus balance due in suspense accounts. Payments from XXXX XXXXXXXX XXXX were put into the suspense account. I never cashed the returned checks nor received credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
to whom it may concern the following inquiries need to be deleted and removed from credit report as these items was not authorized by me ....

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 2022-09-13 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: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
I filed a disputes in regards to the incorrect items on my credit report. It's been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: NAVY FEDERAL CREDIT UNION
State: MT

Complaint narrative:
This account, Ending in XXXX was on my account. I asked the credit bureaus to change the status from open to closed. They choose to delete it. When I told them what they did, they informed me Navy Federal must re-report the information. I called Navy Federal. Requested they re-report the information. They said they would not do so because I am an authorized user, not the primary holder. I do not need to see any statements regarding this account. The primary owner is XXXX XXXX, and I am an authorized, user. This account is old and under my former name XXXX XXXX. I called Navy a second time, in XX/XX/XXXX. They sent me the attached letter proving that I was on the account. They still refuse to re-report the information. This needs to be put back on my credit report. Navy Federal will not work with me, or give any information, making this impossible. This account was opened around XX/XX/XXXX, and I was removed in XX/XX/XXXX. There were no late payments in that entire time frame. Please feel free to ask Navy Federal about this account. They will tell you they can't find it but if you continue to argue they will " magically '' find it. There are plenty of notes about me calling in and requesting that they re-report it. The department I spoke to was credit card services. They sent emails to their credit specialist and were waiting for a return email. Feel free to ask to read the notes in both departments and read the emails. They are there even if Navy says they are not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Credit Karma, LLC
State: NY

Complaint narrative:
I have applied for many credit cards with credit karma after seeing my percentage of approval being quite high, and still got denied. That has negatively impacted my credit as Im trying to rebuild it. Its been on several occasions I was told my percentage was high of getting approved, then I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: AK

Complaint narrative:
In XXXX, 2022, we submitted a request to cancel our PMI insurance as we believed that our home value had increased enough to cancel this. We paid the fee for the appraisal through our lender PHH mortgage and they were supposed to submit the request to an appraiser. After two months, we still had not heard back and contacted PHH again. They assured us they were working on finding the appraiser. Our appraisal was completed and submitted to them on XX/XX/2022. On XX/XX/2022 we submitted a request to see the appraisal. We were told they would respond to our request in ten business days. We did not hear back. We contacted PHH again on XX/XX/2022 and spoke with an escalation manager who told us we would hear back within three business days. Again we did not hear back from them. On XX/XX/2022 we called PHH again asking for a resolution and a copy of the appraisal. We were told that they could not provide either of those at this time, and the PMI department was unreachable. We were also told that the PMI department could decide that our appraisal had expired at any time starting the process over. This has been going on for almost six months with no resolution and we continue to pay PMI and have not seen a copy of the appraisal. We have contacted PHH many times, and can not get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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:
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