vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-27 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: IL

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. 

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 XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27 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: IL

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX now updated XX/XX/XXXX ) {$510.00}. XXXX XXXX XXXX XXXX XX/XX/XXXX now updated XX/XX/XXXX ) {$610.00} XXXX  XXXX XXXX XX/XX/XXXX now updated XX/XX/XXXX ) {$0.00XXXX XXXX XXXX ( XX/XX/XXXX now updated XX/XX/XXXX ) {$440.00} XXXX XXXXXXXX XXXX XXXX ( XX/XX/XXXX now XXXX XX/XX/XXXX ) {$0.00} XXXX XXXXXXXX XXXX XXXX ( XX/XX/XXXX now XXXX XX/XX/XXXX ) {$0.00} And my personal information updated XX/XX/XXXX I contacted all ( TransUnion, XXXX, XXXX ) to update my information and a complaint of identity theft as well as an police Report is on file my personal information was breached and misused. And how these agencies verified information with the wrong personal information ( address, name, birthday, No ssn, No work history, as well as the address to these accounts.

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 2022-12-27 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: FL

Complaint narrative:
I have disputed accounts multiple times for its inaccuracy. The credit bureau keep saying these accounts are mine but I never deny an account belonging to me. I disputed the inaccuracies in these accounts and still no changes. From my understanding usc 1689 states credit reporting must be 100 % accurate or these accounts must be removed. I keep disputing these issues and the credit reporting agency keep saying they are accurate when I have showed proof multiple times of them being 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 2022-12-27 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: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-27 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: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-27 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: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
I was rewarded forward payments by XXXX and my monthly payments are not being applied to my account to satisfy payments every month I have been told that payments have been sent to M & T bank but they are not applied to my 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 2022-12-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, I received an email notification saying that I had opened a new account. When checking my XXXX  XXXX  account, I have seen a Macy 's credit card had been opened under my name on XX/XX/2002, of which I'm unaware. Therefore I reached out to Macy 's by phone to complain about that. So they told me that they are going to investigate the case, and expect a response from them after two billing periods.

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 2022-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
My wife and I applied for a loan modification with Wells Fargo. I lost my job during XXXX  and we struggled to pay our mortgage. We were sent out documents and were ordered to make 3 trial payments for 3 months which we paid. We were told that a notary would come to our house to notarize our paperwork but after several attempts they never got back to my wife. Soon after my wife, myself and kids all got XXXX  and set us back a month. We finally were able to complete the paperwork and send it in the prepaid XXXX  envelope that was provided from Wells Fargo. They never received it and were unable to locate it even though they had the tracking number for it. To this day it was never found and during the process of filing complaints they sold our mortgage and never honored the loan modification. They said they would give us another loan modification which would be {$300.00} more a month than originally quoted.

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 2022-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/2022 my wife was scammed through a fake email claiming to be XXXX. They said her account was compromised and had her go through security steps to protect her account using XXXX. It was a scam. Shortly after I got an email from USAA that a person was added to my XXXX recipients by the name of XXXX XXXX was added to your Send Money with XXXX recipient list using the phone number XXXX. This information has been saved for future XXXX transfers. If you didn't make this change, please call us at XXXX ( XXXX ), XXXX, or our mobile shortcut # XXXX. After that there was a XXXX for {$300.00} from my account, {$690.00} from my sons account and {$850.00} from my daughters account. I immediately called USAA and reported it. The bank is making me responsible

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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: MD

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-27 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: DISCOVER BANK
State: IL

Complaint narrative:
There was a hard credit pull on my credit report that I didn't authorize on XX/XX/2022 from : Discover Financial Services ( Finance ) ( XXXX ) XXXX The number listed a few days ago was ( XXXX ) XXXX and it's an automated call for XXXX  XXXX and ultimately hangs up on you. 
Somehow I called this exact number by accident on XX/XX/XXXX and heard the exact hearing aid message and then there was a hard credit pull on me. 
I have called discover financial and they never heard of me. 
I have frozen my credit and seriously hope that someone hasn't opened a line of credit in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27 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: AR

Complaint narrative:
I would like to state that Equifax is in violation of 15 USC 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I the consumer never gave Equifax written consent to report anything on my consumer report. No consent is identity theft. I would like to state pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reporting. By allowing Equifax these inaccuracies to be furnished on my consumer report, it may cause me to lose confidence in the banking system. If Equifax wants to continue to do business with me, they should delete these inaccuracies off my consumer report immediately. 
" see attachment ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
In XX/XX/XXXX, a transfer of mortgage servicing from XXXX XXXX XXXX to Freedom Mortgage Corporation servicer occurred. I received my escrow analysis in XX/XX/XXXX from Freedom Mortgage and they assessed that my escrow payments will increase on XX/XX/XXXX to {$570.00} per month due to a {$7200.00} shortage. When I look at their actual activity for escrow money paid in and paid out from website payment history on XXXX XXXX ( XXXX XXXX XXXX  ) and Freedom Mortgage ( https : //myloan.freedommortgage.com ) it did not match. I calculated that I paid in {$20000.00} and paid out ( {$18000.00} ) in my escrow. Freedom Mortgage calculated that paid in amount is {$13000.00} and paid out amount is ( {$11000.00} ).

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 2022-12-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
My name is XXXX XXXX and Ive been with Bank of America for over 20 years and I never had this problem nor was treated so low by this Company. There was a charged on my account last XX/XX/2022 from XXXX thats fraud. As soon as I noticed the charge I called XXXX to let them know that it wasnt me that charged the amount of {$320.00} from XXXX. They temporarily credited my account for that amount until investigation. All of a sudden they took the temporary credit of {$320.00} out of my account and when I called the customer service, I was told that XXXX fought the charge and claiming that it wasnt a fraud. According to the Customer Service someone named XXXX was the one that used my account and the merchandise was delivered to my address. I insisted to XXXX again that it wasnt me and I asked the XXXX to provide me the date of the Delivery so I can get a record from every carrier like Post office, XXXX and XXXX to get the proof that I didnt receive that specific Merchandise that XXXX XXXX claiming. I called XXXX four times and all they kept telling me is to write a letter and they will email me the Information how to start this Complain and so far I got 2 emails from XXXX with no Information for me to write this Complain or who and how to mail or email this Fraud charge on my account. Im so frustrated dealing with XXXX and I dont know what else to do.

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 monetary relief
Consumer complaint received 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed accounts multiple times for its inaccuracy. The credit bureau keep saying these accounts are mine but I never deny an account belonging to me. I disputed the inaccuracies in these accounts and still no changes. From my understanding usc 1689 states credit reporting must be 100 % accurate or these accounts must be removed. I keep disputing these issues and the credit reporting agency keep saying they are accurate when I have showed proof multiple times of them being inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed accounts multiple times for its inaccuracy. The credit bureau keep saying these accounts are mine but I never deny an account belonging to me. I disputed the inaccuracies in these accounts and still no changes. From my understanding usc 1689 states credit reporting must be 100 % accurate or these accounts must be removed. I keep disputing these issues and the credit reporting agency keep saying they are accurate when I have showed proof multiple times of them being 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 2022-12-27 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: NC

Complaint narrative:
I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-12-27 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-27 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: VA

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 non-monetary relief
Consumer complaint received 2022-12-27 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: MD

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-27 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: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-27 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: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-27 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: MD

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation