vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am writing to submit a formal complaint against Equifax regarding inaccurate information on my credit report. Despite my previous contact with Equifax on XX/XX/XXXX, I have not received any response or resolution regarding the following incorrect information : XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : XXXX ) - This account does not belong to me, and I request its immediate removal from my credit report. 
XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : XXXX  ) - I have no association with this account, and I request its prompt removal from my credit report. 
COLLECTION ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : XXXX XXXX - This account is not mine, and I request its expeditious removal from my credit report. 
XXXX XXXX XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : XXXX XXXX  - I am not responsible for this account, and I request its immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My complaint is how my credit score is calculated. I have no debts, I pay my bills on time, and I do not have a history of negative credit behavior but because I have one old account that I refuse to pay an amount of {$210.00} on because I feel I was unfairly charged my score has dropped XXXX points from XXXX to XXXX. All because they say I owe them {$210.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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: MO

Complaint narrative:
I am participating in the Public Service Loan Forgiveness program. My consolidated loans under this program are Serviced by MOHELA. Per MOHELAs website and repeated admission, my 120th and final payment was applied as the XX/XX/22 payment, qualifying the balance of my loan to be discharged in its entirety. It has been over 180 days and still MOHELA recognizes a balance and forecasts future payments due. I wish for MOHELA to follow the federal guidelines pertaint to my loan under the PSLF program and discharge my remaining balance at once.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21 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: IN

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEN to report anything on my consumer report which violates my rights as a federal protection consumer. NO CONSENT IS IDENTITY THEFT. As a consume! lam demanding the deletion of the accounts listed IMMEDIATELY!

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 2023-06-21 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: EQUIFAX, INC.
State: IN

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEN to report anything on my consumer report which violates my rights as a federal protection consumer. NO CONSENT IS IDENTITY THEFT. As a consume! lam demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21 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: MA

Complaint narrative:
I am writing to submit a formal complaint regarding inaccurate information on my credit report that has not been addressed by TransUnion, despite my previous communication with them. As per my records, I contacted TransUnion on XXXXXXXX  regarding the following incorrect information : XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : XXXX ) - This account does not belong to me, and I request its immediate removal from my credit report. 
XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : XXXX ) - This account is not associated with me, and I request its prompt removal from my credit report. 
XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : XXXX ) - I am not responsible for this account, and I request its expeditious removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am a victim of Identity theft and fraud now 7 times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
I have complaint that was closed Mr Cooper has destroyed! my XXXX check or lost it between the time I called on XX/XX/XXXX covid informing that they had received my certified letter containing my certified checks one for XXXX from XXXX XXXX XXXX XXXX and one certified check from XXXX XXXX for XXXX I was told on the phone that it was received at XXXXXXXX XXXX in XXXX, TX but that I owed XXXX in escrow shortage witch I played the person on the phone told me to turn off auto pay so they couldn't take a payment out when I e d that the statement said I owed XXXX dollars a week later I got a statement in the mail witch the never send since I have an online account starting I only played XXXX and they applied it to the account I called they denied getting the XXXX check they suggested that I call and cancel the check witch I did and the bank told me that it will take 90 days to do that meanwhile for 3 months they will charge me interest and continue to charge me mortgage payments I am XXXX XXXX XXXX and I think they are taking advantage of old people who want the security of paying off their home the woman I spoke to on the XXXX of XXXX congratulated me on doin that and now here I am paying interest on a loan I was told was payer off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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: FL

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable.

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 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My complaint is how my credit score is calculated. I have no debts, I pay my bills on time, and I do not have a history of negative credit behavior but because I have one old account that I refuse to pay an amount of {$210.00} on because I feel I was unfairly charged my score has dropped XXXX points from XXXX to XXXX. All because they say I owe them {$210.00}.

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 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My complaint is how my credit score is calculated. I have no debts, I pay my bills on time, and I do not have a history of negative credit behavior but because I have one old account that I refuse to pay an amount of {$210.00} on because I feel I was unfairly charged my score has dropped XXXX points from XXXX to XXXX. All because they say I owe them {$210.00}.

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 2023-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
I have been an American Express Customer for nearly 2 years. I was recently approved for a number of business credit cards with AMEX. Suddenly, over two weeks ago, they blocked all my cards while they perform a " review of my information '' they requested bank statements which I sent multiple times for their review team immediately and have called nearly daily for an update of what is taking so long. They said they accept my XXXX statement but can not confirm my XXXX statement?? I sent them together. I have bills that come off of my AMEX cards that are being denied. Now they want to call my bank. 

This is private information I have already given hard copy proof. American Express policies dont superceed the law. I am a federally protected consumer under the Code of Federal Regulations and this a breach of privacy for AMEX to demand a phone call with my banker after I have already given them hardcopy proof that I have given them via statements. Where in the law does it state this is required to open up credit? Or that they are able to do this under the equal credit opportunity act. 15 U.S. Code 1691 ( a ) ( 3 ) Please look up this U.S. Code to see what they are doing is DISCRIMINATION and is completely illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
CEASE AND DESIT VOLENTI NON FIT INJURIA to a willing person, it is not a wrong CAINE & WEINER this is a written request for you to cease and desist all forms communication with me effective immediately. 
12 CFR 1006.6 ( c ) ( 1 ) ( c ) Communications with a consumerafter refusal to pay or cease communication notice ( 1 ) Prohibition. Except as provided in paragraph ( c ) ( 2 ) of this section, if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wants the debt collector to cease further communication with the consumer, the debt collector must not communicate or attempt to communicate further with the consumer with respect to such debt.

15 USC 1692 ( c ) c ( c ) Ceasing communicationIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumerwith respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

Furthermore you have no jurisdiction or authority to collect on this allege debt.

( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. 

volenti non fit injuria Volenti non fit injuria is Latin for to a willing person, it is not a wrong. This legal maxim holds that a person who knowingly and voluntarily risks danger can not recover for any resulting injury. This principle is the common-law basis for the assumption of the risk doctrine. 

You CAINE & WEINER knowingly and willingly purchased or was assigned this alleged debt knowing fully the consequences and risks that came with the possession of said alleged debt YOU CAN NOT CRY INJURY OR DAMAGE FOR RISK YOU WILLINGLY ASSUED TO TAKE ON Volenti non fit injuria Delete this alleged debt from your databased and DELETE this account from any consumer reporting agency that you may have furnished this deceptive and inaccurate information to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please remove this statement from my Transunion consumer statement TransUnion : DO NOT CONFUSE WITH CONSUMERS OF SIMILAR IDENTIFICATION ; VERIFY ALL IDENTIFYING INFORMATION.

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 2023-06-21 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: MA

Complaint narrative:
I am writing to submit a formal complaint against Experian regarding inaccurate information on my credit report. Despite my previous contact with Experian on XX/XX/XXXX, I have not received any response or resolution regarding the following incorrect information : These accounts are not mine, and I request its removal from my credit report. 

XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$720.00} ), ( XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00} ), ( XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00}, Original Creditor : XXXX  ), ( XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$50.00}, Original Creditor : XXXX ), ( XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$660.00} ), ( XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$83.00} ) and ( XXXX ( Date Opened : XX/XX/XXXX, Balance : {$680.00} ).

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 2023-06-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: SC

Complaint narrative:
In XXXX XXXX I visited my local tax office to submit a request to have my primary residential tax rate reduced from 6 % to 4 %. My request was approved and I was told that a refund check would be issued. 

In XX/XX/2023, my mortgage company notified me that there was/is a shortage in my escrow account and that my new monthly mortgage payment would be increasing by roughly $ XXXX. That immediately caught my attention. 

I contacted the local tax office to confirm the approval of my property assessment request and asked for a copy of approval that I could share with my mortgage company. The tax office confirmed that a refund check had been sent to my mortgage company in XX/XX/2023. My mortgage company is claiming that they never received the refund check but opened a case to look into my account. Before the end of the " grace period '' for my payment, I sent them a message asking for help as I did not want to pay the incorrect amount or be hit with a late penalty fee while they were reviewing my account. 

I just received a message this morning stating that I still have to pay the incorrect amount, would have to pay the late fee and if my payment was not received, my account would be reported to a credit bureau and reflect negatively on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Hunt & Henriques
State: CA

Complaint narrative:
This debt is XXXX XXXX  old 2003 a credit card with my ex husband. They just sent a wage garnishment from the courts. I am XXXX XXXX XXXX on social security and a government pension which are both exempt. How are they allowed to do this with a XXXX XXXX old debt. I believe they are a scam company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

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 2023-06-21 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: GA

Complaint narrative:
On XX/XX/XXXX I made a lump sum payment to XXXX XXXX services that was more than $ XXXX making this payment the agreement was that it would be reflected on my credit report. They refuse to report it. 
In XXXX I filed bankruptcy and included the XXXX XXXX XXXX, and signed a reaffirmation agreement. ( I continued making payments ) Before adding the XXXX to the bankruptcy I asked if this would reflect on my credit as IN GOOD STANDING? The response was " Once the car is paid off it will reflect on your credit report as paid off ". They did not tell me that they were going to take the loan off of my credit report completely. Once I realized that it was not showing at all I called them and asked what happened. They explained that the loan would reflect on my report once I paid it in full. Over the course of the next 4 years I was late XXXX or 3 times and moved one payment to the end of the agreement. Every payment after that was mostly early and on time. The car was paid off ahead of schedule. The amount that they were given at once was a very large amount of money, and now they refuse to comply with the agreement. 
Also the car had several repairs done in XXXX while sitll under warranty. Two months after the same repair was done 3 times the warranty had expired and the same issue occured, they refused to replace the brand new parts that they had replaced 3 times. Documents to support my issue are available.Also the radio has blacked out and this was an ongoing issue shortly after I purchased the car brand new.

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