vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-23 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: GA

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 Account number XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX  XXXX XXXX  Account XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX  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 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 inaccurate.

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 2023-06-23 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: GA

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 Account number XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX  Account XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 inaccurate.

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 2023-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: ME

Complaint narrative:
My ex husband and I were divorced in XXXX of XXXX. In the divorce agreement I was awarded the house with the agreement that I would be solely responsible for all costs including mortgage payments. I have, on my own, paid the monthly mortgage ever since. My ex husband and his current wife filed for bankruptcy in XXXX. It did not impact the mortgage loan as I am legally responsible for that. I was able to continue to have access to the online portal so that I could pay the monthly mortgage payment faithfully. I have never been more than 30 days late. I have logged in on or around the XXXX of every month to pay the monthly dues. In XX/XX/XXXX however I was suddenly refused access with no notice. I reached out multiple times to the mortgage company starting in XXXX trying to find out what the problem was. I was told that I did not have access and that I would have to call in every month to pay. Since everything was set up electronically I no longer had access to e-statements or invoices. I called multiple times and tried to find ways to get this resolved to no avail. In XXXX of XXXX I was able to speak with a loan representative who told me that my online portal was not available and to create a new, which I did. I was able to log in online as normal again and pay my mortgage payment and see the dashboard for the loan I am responsible for. When I tried to log in today, XX/XX/XXXX I was again denied access. The three representatives I spoke with said that it was because of my ex husbands bankruptcy in XXXX. However, I received an email from Loancare XX/XX/XXXX stating that my online mortgage statement was available. Yet I am not able to access the documents as Loancare has decided to deny me access to all the legal information including my bank account information and tax documents. Please help 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 explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: NV

Complaint narrative:
In XXXX of XXXX, I moved out of a rental. In XXXX of XXXX the past due rent amount was submitted to a collection agency called IQ Data. I reached out the IQ Data 's office and was instantly met with a contentious and extremely aggressive agent by the name of XXXX who claimed she was the manager and there was no one above her who could assist me. From the very start she was unwilling to listen to any of my concerns as the amount being requested was incorrect. I dealt with the rude comments and unprofessional behavior that she exhibited as I was fixing my credit to purchase a home. Nonetheless, I tried to work with her as well as hiring a attorney from a debt resolution company and they were met with the same difficulty. The collection account was already reporting on my credit report. On XX/XX/XXXX, IQ Data decided to add the exact same collection account to all three bureaus as a new collection account. I filled a dispute with bureaus and the debt was validated as correct. This is NOT correct information. I am in a position that there is nothing that I can do. She has completely destroyed everything that I have worked hard to fix with one key stroke of the key board and now I am unable to purchase a home because of her tactics and illegal reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On about XX/XX/2022 I have made about a {$110.00} purchase on my Bank of America credit card and not made a payment for about six months, becouse I had an automatic minimum payment feature activated on the account wich for some reason - the bank never satisfatorily explained why never was activated in their end even after numerous personal and phone request. They never notified me they just started adding late fees and penalty fees for six months and now it is stand at for some {$330.00}. 
I have paid the {$110.00} actual charge with interest, but refused to pay the fees and penalties. They reported me to the credit bereaus and ruined my credit. 
I demand they redract their baseless complaint.

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 2023-06-23 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: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX Have reported to XXXX that I owe them XXXX. I have never took out a rental with XXXX  but they been calling me.

I would like to speak with XXXX. I need signatures on documents. That were done by me. Not a PDF online but actually signed documents.

Ive been a victim of identity theft and I want to make sure I am covering grounds. Before I have to pay anything to anybody.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX Have reported to Experian that I owe them XXXX. I have never took out a rental with XXXX but they been calling me. 

I would like to speak with XXXX. I need signatures on documents. That were done by me. Not a PDF online but actually signed documents. 

Ive been a victim of identity theft and I want to make sure I am covering grounds. Before I have to pay anything to anybody.

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 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have accounts that haven't been any activity since 2016 and I'm trying to fix the Inactivity 's and Wrong Information that's being reported.

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 2023-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account 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 explanation
Consumer complaint received 2023-06-23 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: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
I opened a card in XXXX of XXXX with wellsfargo. On my first statement is a balance transfer of {$2300.00} to the card that I never made. Ive spent over a month now and had to reopen the claim multiple times because they keep ignoring the obvious. I have proof I didnt make it too. I have scanned mail of the card delivering XX/XX/15 to my address so how on EARTH did a balance transfer occur on the card before I had physical possession of my card information? That is impossible. Oh also they will call you to reach out and when you answer they hang up instantly and then will turn around and pretend we couldnt reach you just to keep denying claims easier. This is absolutely the most backwards shady bank I have ever worked with.

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 2023-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: TX

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account 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 2023-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I previously got into fixing my credit on my own and I sent a debt validation to this debt collector, and they never reached out or contacted me in any way to show me any proof that this debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
My loan servicer was transferred from XXXX XXXX  to Chase in XXXX and I was notified at the end of XXXX. Before XX/XX/XXXX, I attempted to setup my chase.com account and failed. I called Chase and was notified that I would be unable to setup an account until XX/XX/XXXX. I was directed to XXXX for additional information. I noted in the FAQs section, under Payments, that I should start making payments to Chase on XX/XX/XXXX. 

On XX/XX/XXXX, I setup my account. Only XXXX of my XXXX mortgages appeared in my account, so I contacted support and after a transfer, my other mortgage was visible. 

On XX/XX/XXXX, I got my account statements for XXXX that indicated that on XX/XX/XXXX, I would be paying XXXX and XXXX payments. I called Chase, but they were closed for the XXXX holiday. 

On XX/XX/XXXX, I called Chase again. XXXX and I got disconnected when I was put on hold while they spoke with someone else at the office. I called back and spoke with XXXX, she was unable to help me and transferred me to XXXX ( othy ). XXXX confirmed that the website said XX/XX/XXXX and said he was creating a ticket to have it fixed. He opened XXXX # XXXX and said he would call me back On XX/XX/XXXX, XXXX ( XXXX ) called back and told me that the website was informational only. He then told me he was unable to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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: MO

Complaint narrative:
XXXX XXXX inquiry XX/XX/XXXX I have a fraud alert on account but allowed inquiry. 

XXXX 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 2023-06-23 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: CA

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 
XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 

XXXX XXXX Account Number : XXXX Reported Date : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 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: GA

Complaint narrative:
On XX/XX/XXXX I wrote a letter to XXXX XXXX so I could obtain all of the documents from my loan for a car financed through them, as well as any info on a repossession. I never heard back from them. I looked online to make sure I had the correct address. I did, however they had a different XXXX XXXX for credit report disputes so I wrote to the different XXXX XXXX because I wanted to make sure they would receive my request for validation. I have yet to hear back from them still. Yesterday I received a notification on my XXXX XXXX that they increased the balance on my CLOSED loan which has been closed since XXXX. This is against the law and I am very close to consulting an attorney. You can not increase a balance on a closed loan on which I don't even own the car anymore. Then I received an email from them that invited me to sign up for a law suit against them. I don't know what is going on, but they need to immediately remove this account from any credit bureau reporting and adding new charges to a CLOSED LOAN FROM XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV FUNDING LLC is currently reporting on all three major consumer reporting bureaus that I owe their company {$17000.00}. XXXX started on XX/XX/2022 and is currently still active. I've sent them written notice in which I haven't received a response. I don't know who this company is nor do I do I have any documentation with my signature nor verbal agreement with this company, so I have no contractual agreement with this company. I demand this be removed from consumer report immediately. As a ramification due to this fraudulent account, I was discriminated against & denied my right to be extended credit. Nevertheless, I have suffered XXXX  and XXXX  stress because of this false and negative credit bureau reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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: MN

Complaint narrative:
On XX/XX/XXXX i submitted a dispute with reporting company through the cfpb portal and directly with Experian. I also called and spoken with some one at experian. I told them about the incorrect and fraud inquiries on my credit report in return I sent in attach details with fraud report /from the ftc . police report from the county sheriffs office and submitted my id and ss with address in which in return nothing was removed please remove account XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I HAVE CONTACTED THE CREDIT BUREAUS ALL HAVE TAKEN STEPS TO REMOVE THESE INQUIRES ALL EXECEPT EXPERIAN PLEASE REMOVE ACCOUNTS ASAP

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 2023-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
Shellpoint Mortgage Servicing has not paid the insurance companies from our escrow account, despite numerous calls and emails ( with both the insurance companies and Shellpoint copied on the emails and, at different times, included on the calls ). We have already paid over {$600.00} out of pocket to cover the insurance premiums ( in order to avoid cancellation of the policies ). These premiums should have been paid by Shellpoint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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: MO

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTE
N INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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