vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Upon further investigation, I have retained new copies of my credit reports, and noticed that XXXX XXXX # XXXX did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, XXXX. 
I have retained a copy and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the CFPB and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 
I further remind you that XXXX, TRANS UNION and XXXX may be liable for your willful noncompliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

I am aware of your illegal practices of sending form letters in response to disputes and challenges.

from consumers, regardless of the specific information that they have provided. This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits. 
XXXX Terms Frequency : MISSING INFORMATION... There is inadequate information to justify a write-off status on my credit report for an account that does not even show XXXX, XXXX, or XXXX past due. this is an obvious error please delete it immediately. XXXX FCRA Compliance/Date of First Delinquency : Missing data and information. 
This account was never late and was also PAID IN FULL on time XXXX XXXX XXXX Please delete the error.

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 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Upon further investigation, I have retained new copies of my credit reports, and noticed that XXXX XXXX # XXXX did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, XXXX. 
I have retained a copy and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required XXXX period. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the CFPB and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 
I further remind you that XXXX, XXXX XXXX and EQUIFAX may be liable for your willful noncompliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

I am aware of your illegal practices of sending form letters in response to disputes and challenges. 
from consumers, regardless of the specific information that they have provided. This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits.

BSCF14 Terms Frequency : MISSING INFORMATION... There is inadequate information to justify a write-off status on my credit report for an account that does not even show XXXX, XXXX, or XXXX past due. this is an obvious error please delete it immediately. XXXX FCRA Compliance/Date of First Delinquency : Missing data and information. 
This account was never late and was also PAID IN FULL on time XXXX XXXX  XXXX Please delete the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am letting know that fraud has been perpetuated on me. 
XXXX XXXX XXXX has the loan of {$55000.00} on my name from XXXX XXXX XXXX ( account # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX without my knowledge and using my personal information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been calling calling continuously for the solar panel installations and promised many false things. - The agent came to our house in my absence met my husband and took all my personal information and promised - that the electricity bill will be reduced to {$180.00} per month from my current bill of {$420.00} per month, and we will get 30 % cash back when we file tax returns and loan is transferrable if we sell the house. 

The agent collected my personal information from my husband and got the loan approved. The edoc was sent to my husband 's email and was forwarded to the agent and he got everything done and very next day they got the solar panels installed partially and got the loan released to their company. 
When I called the city of XXXX ( provider of the electricity ) I was told they don't support the solar program and bill will not come down even with the solar panels. 

When I tried to contact XXXX XXXX- they never answered the phone The bank is after me for the loan payments. 

I have not signed any loan documents. 
Both the Finance company and XXXX XXXX and working together

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 2023-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UMB FINANCIAL CORPORATION
State: MO

Complaint narrative:
I recently opened a savings account with UMB Bank in XX/XX/2023 I am now going through card restrictions the information with the cardholder service are not communicating with my actual banker at UMB Bank in XXXX  XXXX Missouri. My first debit cards I did not for almost 2 months I was told to discard a card ending in XXXX I never received such card. I would like to put a alert on my card services and please make sure there are no other accounts in my name and that no other cards debit cards have been rerouted or shipped to a different address My name is XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missouri XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NRA Group, LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX keeps reselling my debt to third party agencies. I disputed this collections account and it fell off my credit report months ago, but has now reappeared again. They sold it to NTL 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 2023-11-16 00:00:00
Product: Credit 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Attached you will find a contract by XXXX XXXX. They charged me over {$25000.00} to run an Amazon store for me and then breached the contract. They shut my store down abruptly and refuse to refund my money. I have been trying since last year to get this resolved. The owner of XXXX XXXX, refuses to answer phone calls. He is fraudulent and is stealing thousands of dollars from clients such as myself. He needs to be held liable and the Chase should be held responsible for not refunding my card, when they have admitted that my complaint is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: WA

Complaint narrative:
I applied for an Income-Driven Repayment ( IDR ) Plan before the resumption of federal student loan payments. My requested plan was the XXXX XXXX XXXX. I applied as a new applicant. I applied more than XXXX weeks before the resumption of student loan payments. The MOHELA portal confirms receipt of the relevant documentation on XX/XX/XXXX. However, MOHELA continues to list the status of my repayment plan application as " processing '' and has not adjusted my student loan payments accordingly. I have telephoned multiple times and can not reach anyone at MOHELA. When I have requested call back, I have received no call back. My student loan payments are too high for me to make, which is why I applied for the XXXX XXXX XXXX. I am requesting the completion of my application to the XXXX XXXX XXXX and correction/adjustment of all bills issued since the resumption of student loan payments to align with the terms of the XXXX XXXX XXXX that I applied to before resumption of federal student loan payments. I am trying to be financially responsible, make all my payments, and keep my account current. I am continuously sent incorrect bills that do not reflect my timely application to the XXXX XXXX XXXX. Today is XX/XX/XXXX which means MOHELA has been " processing '' my XXXX XXXX XXXX application for 85 days. This timeline is not acceptable per MOHELAs obligations to XXXX XXXX XXXX and my rights as a borrower. I applied for a temporary hardship forbearance on XX/XX/XXXX when it became apparent that processing delays at MOHELA could extend into XXXX and thus result in incorrect bills for me upon resumption of federal student loan payments. I did so in order to keep my account current and give MOHELA additional time to process the application to the XXXX XXXX XXXX. MOHELA processed the request for temporary hardship forbearance, denying it, but will not finish processing my application to the XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
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 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 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 2023-11-16 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: AZ

Complaint narrative:
On XX/XX/23 I contacted company IQ DATA to try to resolve debt I asked if i can settle for less and if they offer the option to pay for deletion off credit report they stated my account didn't qualify for a settlement because my account was not in good standing which is fine i then asked for other payment options but they refuse to make any arrangements with me I was advised to pay balance in full or nothing at all I repeatedly asked for payment options to resolve because I couldn't pay in full and was denied of any other option i was threatened that if I didn't pay today that they would never remove from my credit report even if I paid in full on a future date so I'm being denied a resolution to resolve this debt that I'm willing to pay in full in the form payment installments the representative ( s ) was very rude, very insulting, very unprofessional and seem to be working on a personal level tactics and using past communications against me and not business level tactics to do what is best for their clients I'm trying to take care of this debt they are making it very difficult to resolve I'm sure these tactics goes against compliance and company policies and needs to be addressed immediately and do they have the right to deny payments from a consumer and to clarify no abusive language or profanity was used by debt collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting 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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXXXXXX 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 explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
15 U.S.C 1681 section602 A. It states I have tyhe rights to privacy and Accuracy. 15 U.S.C 1681 section 604 A section2 : it also states a consumer can not furnish account without my premission in written instructions. My rights have been violated! 15 U.S.C. 1692C States that without my prior approval of the consumer given directly to the Debt collector. a Debt collector can not communicate with in connection with this collection of any debt. This is not my account, I completely paid my accounts off and I never gave my written permission to furnish this account. 

XXXX ) Pentagon Federal CR UN : account # XXXX Delete this! 

XXXX ) XXXX XXXX  XXXX account # XXXXXXXX XXXX I have never been late on this account!

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 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX purchased my loan but didn't attach VA exempt form to the loan causing my loan to be reported one month behind on my credit report decrease my score.

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 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This Consumer Note is my official call for you to discontinue reporting of the items below-displayed and aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and or else wise physically verified and validated claims. Due to at least these few compliance-issues in your current reporting I demand you prove beyond doubt your claims ( s ). 
This XXXX item is deficient as reported, as below-displayed in evidence of uncertified XXXX questionable even poor reporting. Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and maximum possible completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the METRO XXXX FORMAT compliance since, per CDIA, DNP XXXX Any deviation from these standards jeopardizes the integrity of the data so remove or rectify your current not confirmed nor certified claim of adequate compliance, as is mandated! 
I wanted to inform all parties that in the last thirty ( 30 ) days that I have contacted the Federal Trade Commission. I explained in my letter to that, you, as a Federal Reporting Agency have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information. 
I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financial liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance your agency has yet to respond to my questions and statements of the Law. 
Please delete the following unverified fraudulent account 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 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
XXXX XXXX has stated again that the information on my account # XXXX is correct but they are wrong because I have sent them proof of payment of my Insurance along with the Declaration Pages. Both XXXX and XXXX XXXX mortgage have fraudulently tried to take more money from me on an Investment property through XXXX that is more than XXXX times the price of the insurance that I pay for the property. I want XXXX XXXX  to erase the Escrow immediately before I am forced to file a lawsuit against the company including criminal charges of fraud. As you can see from the paperwork including my refinancing of the property in 2020, that the insurance was paid every year

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