vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-25 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  : {$5800.00} Date Opened : XX/XX/XXXX Closed Account # XXXX, has violated my rights. 
XXXX XXXX : {$950.00} Date Opened : XX/XX/XXXX Closed Account # XXXX, has violated my rights. 
XXXX XXXX : {$0.00} Date Opened : XXXX XXXX Closed Account # XXXX, has violated my rights. 
XXXX XXXX $ XXXX Date Opened : XX/XX/XXXX Closed 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.

15 U.S.C 1681 C, ( 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 1681 S-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 2022-04-25 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: 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 : {$5800.00} Date Opened : XX/XX/XXXX Closed Account # XXXX, has violated my rights. 
XXXX XXXX : {$950.00} Date Opened : XX/XX/XXXX Closed Account # XXXX, has violated my rights. 
XXXX XXXX : {$0.00} Date Opened : XXXX XXXX Closed Account # XXXX, has violated my rights. 
XXXX XXXX $ XXXX Date Opened : XX/XX/XXXX Closed 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.

15 U.S.C 1681 C, ( 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 1681 S-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 2022-04-25 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: TX

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

US SM BUS ADMIN ODA XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX 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 XXXXXX/XX/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 2022-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
I received a report that I was added as an authorized user on a credit card without my consent or knowledge. I contacted the bank and they would not provide me any information on how this happened nor allowed me to remove myself as an authorized user.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: UT

Complaint narrative:
Since these guys have sent my PII through email without verifying any information with me personally, I have been harassed by phone calls and people showing up at my door. Oh, and I've had to move because my ex husband got a hold of the information. I now sleep with a gun because of the incessant harassment. I'vetried contacting them multiple times through email, their website, phone number and all I get are XXXX representatives. Why are fraud issues dealt with in a foreign country? Why am I not able to talk with an American citizen about any of this? I've searched through the contract they sent and nowhere does it state that any information was going to be available in a foreign country. How is this even legal. The amount of fraud that can happen is unreal!!! I have had to move twice now because these guys have handed my PII to my violent ex hisband. Several of the addresses on these aren't even mine. Ive contacted every merchant on the bills they sent through my email with account information and address and NONE of them can provide me with a signed receipt. NONE!!! There's no delivery confirmation for the letter they claim they sent informing me of them selling my PII. If they sent something like that, I would think they would want some sort of proof that it was sent and not just written and left on a computer. Im sick of the harassment!!! These guys do not care about the personal safety of anyone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I Had a XXXX XXXX and it was cancelled due to putting someone else Check, and ever since then I could never open a bank account in XXXX XXXX XXXX, anywhere I go wont let me open an account, all I have is XXXX XXXX XXXX but they are not real banks, I need help to fix my credit report, I know I messed up my credit report for taking money out to other people, is all in my statements where the money went and whatever the issue may be, need a program or anything to fix my credit score or a Bank I can go to, to show I am responsible and I just got carried away

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To whom it may concern When I bought my vehicle 2017 for {$17000.00}. I verified my income and purchased the car with down payment. I never missed a car payment and I was wrongfully accused of not making my car payment when I had a job my checks were direct deposit and then when I retired I had my pension checks also direct deposited so I would never mis a car payment. They falsified my documents and closed my account so they took my car without any notice or any final warning to pay or loose the car. I was not notified in any way. When I finally got a new car they showed on my credit report I have not missed a car payment. They took the car when they shouldnt have. Please help return my car.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Tried a third time today. Company refuses to open the account or explain why they won't. 

The CFPB refuses to take my complaint and read it. 

Proof that no one has ever read my complaint is that no one will respond to it. 

If a real live person has read this, please write me at XXXX. 

I am a former State Representative. I shouldn't have to call in political favors to find out why a bank rejected my application. This doesn't require a Congressional hearing. I merely want to know either : 1 ) why they won't open the bank account ; or 2 ) Failing that, I want the CFPB to tell me whether or not you consider yourself to have the authority to investigate this matter. If you don't, please give me the statute or regulation that prevents you from helping consumers find out the reason a bank account wasn't opened. 

As it is, I am 99 % confident no one ever reads these complaints and you never do anything. But if I'm wrong, prove it. Please respond to be at my email address. 

If you're overworked and unable to respond to most consumer complaints, you can let me know that as well. I think the public has a right to know if the CFPB is able to do its job or lacks resources to do so. Maybe I can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: SC

Complaint narrative:
I submitted the Public Service Loan Forgivness application in XX/XX/XXXX. In XXXX of XXXX I received an electronic letter stating that my employer had failed to include my termination date or indicate that I was still employed on the application. In reviewing the application, the check box for " Still Employed '' was clearly marked. I called the PSFL hotline with Fed Loan Servicing - after approximately 45 minutes of hold time, a representative answered and stated she would have to connected me with a PSFL specialists. This required an additional 1 1/2 hour hold time. Once answered, the representative confirmed the said missing piece of information was in fact on the original form and that she would request a re-review. On XX/XX/XXXX I received a second letter from Fed Load servicing stating that my employer failed to include their Federal EIN number on the application. Of course, this piece of information is clearly in the appropriate field on the form ( section 3 line 2 ). I again called Fed Loan, held for 38 minutes and again was told that I would be transfered to a PSFL specialist. Hold time so far 46 minutes with no connection to a representative. It is beginning to appear that Fed Loan Servicing is again intentionnally creating a hardship/delay for borrowers to access this program by creating erroneous reasons to prolong the application process and having extended hold times to speak with their representatives to potentially deter attempts to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My loan servicer, NewRez d/b/a Shellpoint, paid for Earthquake coverage from my escrow account in the amount of {$530.00}. They will not issue a stop payment on the check issued XXXX. XXXX 's acknowledges they have not received payment. Shellpoint acknowledges they made payment in error and the check has not cleared. My escrow account is short {$530.00} and will be reassessed erroneously for XXXX based on their incorrect payment.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My mortgage loan transferred from XXXX XXXX XXXX to Shellpoint Mortgage in XXXX, XXXX. However, not all of the funds in my Escrow made it to the second servicer during this transfer process. The second servicer, Shellpoint, claims that the first servicer, XXXX, paid my property taxes before the transfer. But, the first servicer expressly denies doing so. Even their year-end 1098 statement says property tax payments were {$0.00}. So, I'm in a catch XXXX here. XXXX claims they sent $ XXXX to Shellpoint. And Shellpoint claims they received only $ XXXX. Lost {$6000.00} in Escrow with neither parties willing to help me.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: NJ

Complaint narrative:
IM WRITING THIS LETTER ON MY OWN. I swear all information provided within the attachment under the penalty of perjury is true and accurate to the best of my ability and knowledge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX, Transunion, XXXX has violated mt federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C section 602 A. States I have the right to privacy.

These Names do not belong to me and Too many On Personal Information. Errors are highlighted and Circled.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX, XXXX, Equifax has violated mt federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C section 602 A. States I have the right to privacy.

These Names do not belong to me and Too many On Personal Information. Errors are highlighted and Circled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: EdFinancial Services
State: TX

Complaint narrative:
I have been paying my student loans back on-time to EdFinancial for the past 10 years. During Covid, after the federal government stopped the repayment of loans, I was expecting that my automatic payments would continue, and it was a good time to make up ground on this loan. I logged into my account in XX/XX/XXXX, to find out that they had stopped my automatic payments since XX/XX/XXXX, without my consent. I had to call them to request that my loan be taken out of forbearance. Today, XX/XX/XXXX, I logged into my EdFinancial account, because I noticed that my payments weren't happening again. This time, EdFinancial put my account in forbearance without my consent, in XX/XX/XXXX, because I'm in school getting my XXXX. I have been in school since XX/XX/XXXX, so I'm not sure I understand why this happened all of a sudden. Also, they said that they mailed me a letter, but I never received anything in the mail. They also sent a secured message to my EdFinancial account, which I would have to log into to see. I was never notified through email that I had a message waiting to be read. Also, the status read " Payments will restart in XX/XX/XXXX ''. I just read on your site that forbearance can only be extended for 12 months, yet they weren't going to restart my payments until XXXX. Which doesn't make much sense, because I'll be done with school in the fall. Regardless, I don't understand how this company is able to make decisions about my financial status or situation and change my loan. This feels as though they are trying to make up for the interest missed during Covid, and they are using sneaky tactics to recoup this money, and I don't appreciate being taken advantage of. Had I not logged into my account both times, I would have never noticed, and additional years would be added to my repayment schedule.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Date : XX/XX/2022 Company : XXXX - XXXX Company Phone Number : XXXX I XXXX XXXX XXXX Paid A Settlement Amount Of {$280.00} ( Confirmation # XXXX ) For A Collection Account To Be Removed And Was Told In 21 Business Days The Account Will Be Removed From All Credit Bureau Reports/Account .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: CURO Intermediate Holdings
State: TX

Complaint narrative:
They are reporting information that's not mine. I had several break ins over time. To many Data Breaches with XXXX. I have tried to explain to the consumers what have taken place. Have faxed over texts that I have received from XXXX talking about the Data Breach. And the police report number that I had at the time I started notice these fraudulent accounts on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: GA

Complaint narrative:
LOCKHART, MORRIS & MONT XXXX XX/XX/2022 {$540.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I am a victim of Fraud. My I.D . information was stolen when I had a break In and after XXXX had several Data Breaches along with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.

Complaint narrative:
I am trying to get my free annual credit report so that I can apply for a home loan. Using XXXX  : XXXX returns an error for all three credit score providers. 

I am a U.S. citizen that has been living abroad for almost 10 years. I will soon move back to the U.S. and need a credit report so I can apply for a home loan. During that time I have always maintained U.S. bank accounts and used U.S. credit cards. I should have maintained an active credit score during this time. When using the annual credit report website, you are required to submit a U.S. address and phone number. I have neither as I have been living abroad. To attempt to retrieve my credit score I used my last mailing address from 2012 and my old U.S. phone number ( to which I no longer have access ). I am unable to provide my current, foreign address and number to the website. 

Requesting the free report from any report provider returns an error on the website with no information on how to successfully retrieve my report. I have attempted calling customer support for XXXX, Equifax and XXXX, none of their support lines were able to assist me in obtaining the free credit report. 

The credit report process is totally broken for U.S. expats attempting to retrieve a credit report while living abroad. I am blocked form applying for a home loan until this issue is resolved. I just want a credit report from any/all of the credit score providers.

Company response to consumer: Closed with explanation