vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-08 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: GA

Complaint narrative:
the information reporting on my consumer report i requested that this account get deleted from my report because it is innacurate and not correct information for me : XXXX XXXX XXXX - ACCOUNT NUMBER- XXXX the account is is listed above and the credit consumer company is violating several laws and has refused to remove the information numerous times 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 2023-03-08 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: GA

Complaint narrative:
the information reporting on my consumer report i requested that this account get deleted from my report because it is innacurate and not correct information for me : XXXX XXXX XXXX - ACCOUNT NUMBER- XXXX the account is is listed above and the credit consumer company is violating several laws and has refused to remove the information numerous times 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
Hi, I had taken a Home Loan from XXXX XXXX XXXX  back in XX/XX/XXXX and the service partner in XXXX were XXXX XXXX anXXXX XXXX XXXX is XXXX is Roundpoint Mortgage Servicing Corporation. 

I had purchased the house with 5 % down payment in XX/XX/XXXX and PMI was applied to my loan account, as the down payment was below 20 % There was a substantial increase in the market value of housing property in year XXXX and I contacted XXXX XXXX in XX/XX/XXXX, to remove the PMI as the Loan to Current Market Value is much above than the required percentage, however, they rejected my claim I contacted Roundpoint Mortgage Servicing again in XX/XX/XXXX and I was told that, my case is good for removal of PMI. On further inquiry with them, I was told that, an order to XXXX  was ordered and they will revert to me for appraisal of my property. I did not get any call from them for a week from then and I got back to roundpoint again, to check about it. 

They told me that, the order to the XXXX was issued by mistake and I am not eligible for removal of PMI unless the required ratio of XXXX was brought by pay back or substantial improvement. 

I am not sure, why these servicing companies have rejected my claim all the time. I don't remember any condition, restricting the removal, if the current market value is on or above the ratio of XXXX. I believe that, my current market value is much higher than required ratio and the PMI shall be removed. In fact, I shall be paid back the PMI paid for Year XXXX as then market value of property also were well above the required mark by these companies. 

I am contactable in XXXX XXXX XXXX, in case you need any further information. The contact number of roundpoint mortgage servicing is XXXX XXXX XXXX. The Mortgage / Loan Account number is XXXX. 

The application filed with the roundpoint corporation have been attached herewith as well as rejection letter sent by the XXXX XXXX in XXXX XXXX Please let me know, if I need to do anything further to take this matter ahead Best Regards XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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, 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 2023-03-08 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: CORELOGIC INC
State: CA

Complaint narrative:
I have communicated them and sent couple of request to do the investigation and send me results but I never receive any response from this company, so they are just ignoring my request.

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 2023-03-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: Sezzle Inc.
State: FL

Complaint narrative:
Sezzle has caused my credit score to drop due to incorrectly reporting that I still have a balance of {$150.00} to pay off with them, when in fact it was paid in full. They also incorrectly reported that I originally had an available credit limit with them of {$970.00}, which I never did. My account is paid in full and I only have an available credit limit of {$600.00}. Once they correct this information, my credit score will still drop due to the {$370.00} difference of the actual available credit. They are supposed to be updating this information on a monthly basis but obviously aren't. This report on my credit shows the status updated as XX/XX/XXXX and it's now XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries have been diligently neglected by XXXX credit bureaus. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my report. Therefore, XXXX credit bureaus have not complied with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are ( still ) reporting on my accounts and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-03-08 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: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries have been diligently neglected by XXXX credit bureaus. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my report. Therefore, XXXX credit bureaus have not complied with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are ( still ) reporting on my accounts and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XX/XX/23, someone used my information to fraudulently apply for a credit card with capital one. i had a credit freeze in place so i received an alert about a credit inquiry. i called capital one immediately. 

this happened again on XX/XX/23. it happened a XXXX time also on XX/XX/23. 

i had to spend my valuable time calling capital one multiple times to make sure the credit card applications were shut down and request that capital one open investigations to prevent this from happening moving forward. yet it happened a XXXX time after i initially called. 

calling capital one is very inefficient and their initial customer service team members are poorly trained. there is no direct # easily found to get in touch with their credit card fraud department. i was transferred multiple times and had to be on the line for over an hour. very frustrating!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08 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: NC

Complaint narrative:
I have reached out to Equifax on multiple occasions and asked to provide details and verification on medical collection account there are reporting not only does this account not have a name of the creditor that is reporting this alleged medical debt but i asked for the original contract of services in question. I have not been provided with any information to alleged debt or any response to the validity of this and this which violates my privacy and HIPPA rights. I would like this account deleted as it violates my Privacy and HIPPA rights. The debt is under {$500.00} to me understand any medical debt under {$500.00} should not be reporting on your credit report. 

Original Creditor : ) Equifax Account # : XXXX Account Type : Collection Account Type - Detail : Collection Bureau Code : Individual Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$350.00} No. of Months ( terms ) : - High Credit : {$350.00} Credit Limit : - Past Due : - Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Medical Subject has not satisfied debt. 
Date Last Active : XX/XX/XXXX Date of Last Payment : -

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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: Credit Card Acquisitions Group
State: TX

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 an 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 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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: TRUIST FINANCIAL CORPORATION
State: TX

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 an 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 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 2023-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
Transworld systems inc. showed a collection on my report from XXXX XXXX XXXX of {$310.00} XXXX XXXX. I had to call them XXXX XXXX to find out why because they have not tried to contact me at a correct address or by telephone. They are also putting a debt on my report that has already sat on my credit report for 7years and fallen off. The company is out of time-barred and statutes of limitations guidelines. As well as never spoken to me or sent a letter to a correct address to notify to legal report said debt, that is over 10years old and had already lived its 7year lifespan on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TN

Complaint narrative:
chime.com is a scam they collect personal information and as soon as you receive money at the account they will lock it. 
I have created my account and without any email warning they locked it for security reasons showing an email I should email XXXX i have send multiple emails since weeks now and they do not reply! I dont even get a ticket reply this is a scam!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
received equifax report shows I have not paid m mortgage for 2 years so wrong needs to be corrected XXXX XXXX  told me that is wrong they do not know why they put that information all wrong my identity has been stolen many times please correct and contact me my email is XXXX Many thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  acount # XXXX, has violated my rights. 

15 USC 1681 section 602 states that i have a 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 a open end consumer credit plan as late for 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 2023-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: VA

Complaint narrative:
I called MBA Law ( The Law Offices of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Attorneys at law ( today XXXX/XXXX/XXXX  ) to get information about an attempt to collect on a very old medical bill. I felt billing was duplicative of a medical bill already in collections with XXXX XXXX. I asked the rep that I spoke with if this was a debit MBA LAW obtained from another collection agency. She said it was not and was received directly from XXXX XXXX XXXX. I looked back into my records and discovered that this is not the case, and this debt was with XXXX XXXX. In addition, the MBA correspondence indicated that the current Creditor is XXXX XXXX XXXX. I have no knowledge of this agency and never received any correspondence or spoken with this agency. I also indicated that my call was triggered by the prompt received online indicating that I was not able to enroll to get information " due to the status of your account ''. In calling I was told that in order to be able to view any information electronically, that I had to send an email acknowledging ownership of the debt. Even though the written correspondence encourages online use. 

I find the tactic of withholding online access ( the ability to obtain information ) unless I send a statement that I am responsible is a potential UDAAP trigger. I believe it is MBA Law 's intention is to restart the clock on an old debt where the statute of limitation may have passed.

Facts regarding the dispute : As a Virginia resident the statute of limitation is five years this originated in 2018 This debt was sold a possible 3 times and old debt should not hit my credit report as new debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

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

XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX  XXXX ref # XXXX, XXXX XXXX XXXX XXXX XXXX ref # XXXX, has violated my rights. 

15 US C 1681 Section 602 A states, I have the right to privacy.

15 US C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

15 US 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 US 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 2023-03-08 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 2023-03-08 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, 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 2023-03-08 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  acount # XXXX, has violated my rights. 
15 USC 1681 section 602 states that i have a 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 a open end consumer credit plan as late for 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 non-monetary relief