vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-18 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: FL

Complaint narrative:
I sent a letter to Transunion on XX/XX/22 in which according to the XXXX tracking the letter was received on XX/XX/22. In accordance with FCRA 611 ( a ) ( 7 ), I requested a description of the dispute completed on XX/XX/22 to ensure the completeness and accuracy of this record being reported by Transunion. On XX/XX/22 ( Letter Attached ) I received a response from Transunion explaining the process the company takes when completing dispute investigations. According to the letter, Transunion claimed that they contacted the XXXX XXXX XXXX Florida Located located at XXXX XXXX XXXX XXXX XXXX  XXXX, phone number XXXX. Please see the attached letter I have sent to Transunion with proof from the Deputy Clerk who has certified that they " DO NOT '' provide case information, if any to credit bureaus. As it currently stands, Transunion has violated FCRA laws which required " Completeness and Accuracy '' items on a consumer report and disputes investigations. I am requesting that this record be removed from my record within 5 business days of receiving this notice. I will be sending an official certified letter with my intent to escalate this matter, should Transunion fail to comply.

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 2022-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: NH

Complaint narrative:
I received a letter XXXX  from Cardinal Financial servicing, stating I was under investigation a year after closing my mortgage. It stated as of the date I closed I was no longer working for the same company. I was in fact working for the same company as I started the application under. I left the company about 2 months later. I tried to contact the company and was told as was my broker that they are in no way responsible for providing me or anyone else information as to how they came up to this conclusion. I feel it is my right to know why I am under investigation and have the information they obtained as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Conduent Incorporated
State: CO

Complaint narrative:
I did not request this XXXX card and immediately requested cancellation and account closure in XX/XX/XXXX ( see attached ). 

Nothing happened so I requested account closure again in XX/XX/XXXX ( see attached ). 

In XX/XX/XXXX I received another letter with the account still open and showing a {$0.00} amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : 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. I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: SC

Complaint narrative:
I am constantly given wrong Information from different customer reps ... on XX/XX/22 at XXXX XXXX the agent and supervisor were extremely rude talking to me. I have been a Mortgage Customer for over 12 years.

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 2022-04-18 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: AL

Complaint narrative:
In accordance with the fair credit act. 
The list of accounts the list below has violated my federally protected consumer rights to privacy and confidentialality under 15 usc 1681. 
XXXX has violated my rights 15 usc 1681section 602 A. 
15 usc 1681section 2.

15 usc 1681c. ( a ) ( 5 ) 15 usc 1681s-2 ( A ) ( 1 ) All have been violated against me thats fair in my life.

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 2022-04-18 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: WI

Complaint narrative:
Experian won't remove a fraudulent credit inquiry. I have sent several letters. 

I have now filed a police report to pursue legal action. 

XX/XX/22 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 2022-04-18 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: IN

Complaint narrative:
I have sent certified letters to all parties on XXXX XXXX and previously before that when I finally check my credit report I noticed that they was reporting Accuracy information on my credit report that is hurting my credit. I sent this letter stating. 

I have never signed a hippa relive form authorizing them to place this on my credit report. ledge XXXX XXXX {$4100.00}. XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX . XXXX XXXX. The XXXX bureaus are reporting inaccurate information the errors on my report are different from each bureau Therefore these are inaccurate and are HIPAA violations.And I want these immediately deleted. HIPAA laws protect my personal medical information from being used without my consent and you are now a where of these HIPAA violations deleted immediately.

And auto loan inaccuracy 15 U.S.C1681b ( a ) 2 law violations And still they not removed Also not to mention XXXX XXXX  amount on my credit report is inaccurate as well

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 2022-04-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
NAVY FEDERAL CREDIT UNION SHUT DOWN AND CLOSED MY CHECKING AND SAVINGS ACCOUNT, CLOSED MY OTHER PRODUCTS I HAVE WITH THEM NAVY FEDERAL ACCUSED ME OF HAVING A FRADULENT MEMBERSHIP AND THEY SHUT DOWN MY ACCOUNT AND STOLE MY MONEY I HAVE OVER {$140000.00} IN MY NAVY FEDERAL BANK ACCOUNTS NAVY FEDERAL REFUSES TO RELEASE MY MONEY THIS IS MONEY I USE TO PAY MY BILLS AND MY FAMILY WILL BE HOMELESS IF THEY DONT RELEASE THIS MONEY MY MONEY NEEDS TO BE RELEASED NOW ATTACHED IS MY SECURITY APPEALS FORM THAT WAS SENT TO NAVY FEDERAL

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: NY

Complaint narrative:
I signed up for LIFETIME  access to XXXX XXXX program call XXXX XXXX where I have access to multiple videos on how to make different crafts. Instead of making a one time payment of {$390.00} I paid through XXXX and made XXXX payments.1. {$240.00} XX/XX/XXXX XXXX {$50.00} XX/XX/XXXX XXXX {$50.00} XX/XX/XXXX XXXX {$50.00} XX/XX/XXXX. On XX/XX/XXXX i when onto my dashboard where the videos were displayed and about 50 videos were removed. I reached out to this company because I was very upset and I complained to them that I only signed up for this company because they promised LIFETIME ACCESS to the videos I was told they were taking the videos down and added new ones. My concern was how do you promise people that have already spent their money on the program LIFETIME ACCESS but youre taking the videos down that we need without having the new videos up. I requested a refund from the company because of FALSE ADVERTISING and misleading information. I reached out to my credit card company thinking they could help me and it was ruled against although I provided information stating the company stated LIFETIME ACCESS to information I had NO ACCESS to. I do not feel this was a fair judgement and I do not think its okay for a company to promise you something until they get your money and then they dont hold up on their end but then they also dont give refunds. How are the customers protected against deceptive practices? I do not think Discover did a proper investigation because its clear that this was false advertising you can say I have LIFETIME ACCESS but the videos that are being removed I clearly dont have access to them or I have to wait for them to redo videos, thats not what I paid forthe right way would have been to leave the videos up and replace them as you go not remove all of them!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Acct # XXXX, has violated my rights XXXX  XXXX Acct # XXXX, has violated my rights XXXX XXXX XXXX XXXX Acct # XXXX, has violated my rights XXXX Acct # XXXX, has violated my rights XXXX XXXX XXXX Acct # XXXX, has violated my rights XXXX XXXX Acct # XXXX, violated my rig

hts 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report
containing any of the following items of information Any oth

er adverse item of information, other than records of convictions of crimes which antedates the report by more than s even years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reportin
g agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Acct # XXXX, has violated my rights XXXX XXXX Acct # XXXX, has violated my rights XXXX XXXX XXXX XXXX Acct # XXXX, has violated my rights XXXX Acct # XXXX, has violated my rights XXXX XXXX XXXX Acct # XXXX, has violated my rights XXXX XXXX Acct # XXXX, violated my ri

ghts 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inac
curate.

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 2022-04-18 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: NC

Complaint narrative:
Back in 2018, I found out someone was using my identity.

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 2022-04-18 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: AL

Complaint narrative:
In accordance with Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Experian-Bankruptcy # XXXX has violated my rights. 
Experian-Bankruptcy # XXXX has violated my rights. 
Experian-Bankruptcy # XXXX has violated my rights. 
XXXX-Bankruptcy # XXXX has violated my rights. 

15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish an account without written consent.

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 2022-04-18 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX ( Inquiry date XX/XX/XXXX ) has violated my rights CXXXX XXXX XXXX ( inquiry date XX/XX/XXXX ) XXXX XXXX ( inquiry date XX/XX/XXXX ) XXXX XXXX XXXX ( inquiry date XX/XX/XXXX ) XXXX XXXX XXXX  ( inquiry date XX/XX/XXXX ) XXXX XXXX  ( inquiry date XX/XX/XXXX ) 15 USC 1681 Section 602 A states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without written consent.

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 2022-04-18 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX ( Inquiry date XX/XX/XXXX ) has violated my rights XXXX XXXX XXXX ( inquiry date XX/XX/XXXX ) XXXX XXXX ( inquiry date XX/XX/XXXX ) XXXX XXXX XXXX ( inquiry date XX/XX/XXXX ) XXXX XXXX XXXX ( inquiry date XX/XX/XXXX ) XXXX XXXX ( inquiry date XX/XX/XXXX ) 15 USC 1681 Section 602 A states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : 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. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
1 ) After filing for a bankruptcy and having it discharged, Navy Federal Credit Union has a permanent message posted to your account that you see when you sign in on both the website and mobile app platform. The message states " Your account information is being provided for informational purposes only. Providing you this information is not an attempt to collect a debt. '' I've called and asked to have this message removed as there is no debt anymore because it was discharged. Therefore, this message only serves as a punitive punishment and " brand '' that Navy Federal gives its customers who fell on hard times and filed bankruptcy. Its as if they are constantly reminding you that you caused them a loss. 

2 ) I applied for a Navy Federal Credit Union credit card on XX/XX/2022 and was denied. I knew it was because of my bankruptcy that included a loss to them. However, I sent a message through the secure message portal asking if I will ever be able to reestablish credit with Navy Federal or will I forever be disapproved/declined for Navy Federal loan or credit products. On XX/XX/2022 I received a response that stated they are unable to extend credit to members who have caused Navy Federal a financial loss. The response also stated " If you are interested in repayment information of the loss account balance, please contact our Bankruptcy Department during normal business hours at XXXX. '' This goes against my rights as a bankruptcy filer. They shouldn't even be bringing this up to individuals who filed bankruptcy and caused them a loss. It seems like a subtle hint that if you pay them back they will then approve you for credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. 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 2022-04-18 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. 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 explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
This is in reference to loan # XXXX. 
Rocket Mortgage attempted to debit my checking account twice for my XXXX mortgage payment. They claim I requested two payments. Incorrect, I asked for a one-time payment that was due on XX/XX/2022. When I became aware that they were trying to take it out twice I called them 3 days in a row and numerous people told me there was nothing they could do, would " investigate '' the matter, or that I had to wait until it cleared the bank, which it would not because of the large negative balance and all of the fees I have incurred from the bank for charges and over-drafts due to the {$2500.00} ish that was taken out by Rocket Mortgage. They just pawned me off to my bank, which of course can not do anything until the money clears ( or in this case did not clear ) the account. So, while on vacation, I have to deal with this mess and Rocket Mortgage offered nothing to make me whole. I am a customer WHO IS CURRENT ON HIS MORTGAGE ARE YOU KIDDING ME? When I asked to work my way up the ladder and/or the litigation department I was told there was nothing I could do and no one I could contact, the matter was essentially closed. ARE YOU KIDDING ME? 

( 1 ) I need a point of contact ( NOT a " supervisor '' ) someone who actually has some pull for all future issues. 
( 2 ) Money/credit/SOMETHING to make me whole with my bank and my time and aggravation. 
( 3 ) The mailing address/point of contact for litigation matters.

Company response to consumer: Closed with explanation