vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-27 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: MI

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXXXXXX / XXXX XXXX Account # XXXX violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: MI

Complaint narrative:
In accordance with the fair credit Reporting act XXXX  XXXX / XXXX XXXX Account # XXXX violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: CA

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 confidentially under 15 USC 1681. 

15 U.S.C 1681 Section 602A. states I have the right to privacy.

15 U.S.C 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C 1681c ( aX5 ) 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 crime with antedates the report by more than seven years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: CA

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 confidentially under 15 USC 1681.

15 U.S.C 1681 Section 602A. states I have the right to privacy.

15 U.S.C 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C 1681c ( aX5 ) 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 crime with antedates the report by more than seven years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Synovus Bank
State: GA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
i was incarcerated XX/XX/XXXX and was unable to make payments to my credit card lenders. i was released XX/XX/XXXX. 

during this time my mother was able to make some payments after obtaining a legal power of attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX wrote Experian by certified mail by signature confirm. No response. Requested inquiries to be removed due to fraud and not having my consent. The inquiries are listed with the names and dates. 
Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2022-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
I have tried numerous times to log into https : //www.marcus.comXXXX to access my credit card account info including the current payment due so I can pay the card. The web site does not work. I then called the credit card number provided, XXXX, and could only obtain my balance information ( after 2 disconnects on their end ) and could not get payment due nor could I get a real person to talk to. My credit account transferred to Marcus by Goldman Sachs in XXXX. I had an issue last month as well ; couldn't log onto the site and couldn't get anywhere with trying to call customer service. This is unacceptable and frustrating. I shouldn't have to file anything about this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27 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: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC1681 Section 604A Section 2 : It also States a consumer reporting agency can not furnish a account without my written consent.

15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as a late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC1681 Section 604A Section 2 : It also States a consumer reporting agency can not furnish a account without my written consent.

15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as a late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: Navient Solutions, LLC.
State: PA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
As of XX/XX/XXXX, there are multiple unauthorized inquiries and derogatory/collection accounts reported to my credit. Here are the following ; as of XXXX there is a collection that is derogatory of {$0.00} reporting to my credit from XXXX XXXX XXXX XXXX Multiple attempts have been made for removal. As of XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX there is an unauthorized inquiry for a loan reporting to my credit XXXX XXXXXXXXfrom original creditor SBA. Multiple attempts have been made for removal. As of XX/XX/XXXX there is an unauthorized inquiry for an auto loan to my credit from XXXX XXXX XXXX original creditor is XXXX  XXXX. Multiple attempts have been made for removal. As XX/XX/XXXX there is an unauthorized inquiry for an auto loan from XXXX XXXX original creditor is XXXX XXXX. Multiple attempts have been made for removal. As of XX/XX/XXXX, there is an unauthorized inquiry for an auto loan from XXXX XXXX XXXXXXXX original creditor is XXXX XXXX XXXXXXXX. Multiple attempts for removal have been made. As of XX/XX/XXXX an unauthorized inquiry was made for an auto loan from XXXX XXXX XXXX original creditor is XXXX XXXX XXXX. Multiple attempts have been made for removal. As of XX/XX/XXXX there is an unauthorized inquiry made for an auto loan from XXXX. Multiple attempts for removal have been made. As of XX/XX/XXXX there is an unauthorized inquiry for an auto loan from XXXX XXXX XXXX  Multiple attempts have been made for removal.

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 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
i filed a complaint with TransUnion, XXXX, and XXXX about the following accounts : Account name : XXXX XXXX XXXX 
Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : Child Support Enforcement Account number : XXXX Account name : XXXX  XXXX Account number : XXXX These companies violated my federal rights. 15 U.S.C. 1681 Section 602 ( A ) states : I have the right to privacy. 15 U.S.C. 1681 Section 604 ( A ) states : Consumer Reporting Agency can not furnish an account without my written instruction. XXXX XXXX has been deleted from my XXXX Credit Report, TransUnion Credit Report, and XXXX Credit Report. XXXX XXXX has been removed from my XXXX Credit Report but not from my TransUnion or XXXX XXXX XXXX. I do not understand how it can be removed from one Credit Bureau but not the other two. XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX chose to ignore my request for deletion and simply updated my accounts. By updating my accounts, they violated the same Federal Rights that I informed them that they previously violated. I have spoken with legal counsel, and he informed me that i have every right to move forward with legal action resulting in financial compensation for not only violating my Federal Rights once but ignoring my request of deletion and updating the account and once again reporting it to the credit bureaus without my written instruction. i am 100 % certain i have not given my written instruction to anyone/company. I have decided to file one more complaint before taking legal action and i am again requesting that those accounts be deleted from my credit report immediately. Once the accounts are deleted, I'm requesting a copy of my updated credit report sent certified mail so there is an independent witness to it being delivered. Thanks in advance for your cooperation. 

Sincerely, 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 2022-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: TN

Complaint narrative:
I entered into forbearance in 2020. At the end of my forbearance my mortgage company required a large good faith payment, along with doubling my monthly payments. I asked if I could get a deferral and was denied. A deferral would allow me time to refinance with a cash out and pay back the missed payments. They are not being helpful and I'm met with resistance with every suggestion. I can pay my monthly payments, but asking me to double the payments puts more strain on my finances, meaning I would have to default on other debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: RUOFF MORTGAGE
State: OH

Complaint narrative:
In XXXX of XXXX, due to loss of employment and income I requested forbearance under the Cares act due to the loss of income. As of XXXX of XXXX I was out of forebearance & per the cares act the lender placed the forebearance amount at the end of my mortgage or or when it is paid off. I have been current on all payments since exicting the forebearance plan under the cares out, however, I recently pulled a credit report and was surprised when I see that Ruoff Mortgage had added comments to this tradeline with the the credit agencies that the loan was modified and the modification occured under a non-governemnt plan. The loan in question is an FHA loan, the forebearance occured and terms were modified under the Cares act per the representatives I had spoke to at Ruoff I had met the terms and requirements under the cares act. Since learning of this I have reached our to Ruoff in an attempted to get clarity and retify the in accurate reporting, however, my attemps have been unsuccessful because I am either placed on hold for an extended amount of time or transferred through numerous representatives that failed to be able to provide me with any accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UPGRADE, INC.
State: PA

Complaint narrative:
Starting in early XX/XX/XXXX, I noticed that even though my payments are automated, and whatever the required payment is, I was shown as owing ~ {$10.00} still. Upgrade has had this problem before where they continue to say I owe when I dont. So Im an attempt to resolve myself, I made the {$10.00} payment on XX/XX/XXXX. I first attempted to email, request # XXXX and they wouldnt help me over email citing privacy, so I called Upgrade on XX/XX/XXXX, and they said they would look into it. I then got an email on XX/XX/XXXX saying that I still owed {$7.00}. 

Throughout XX/XX/XXXX, I call over 10 times checking on the issue, being given the run around, being assured the problem was being looked into and would be resolved. 

I even called again on XX/XX/XXXX to insure they wouldnt report my late, Upgrade Request # XXXX. 

On XX/XX/XXXX, I start getting multiple alerts that I am delinquent on my Upgrade card account. I immediately called Upgrade support and they said they would resolve the issue. I called the next day to check the status and they said it would take 10 businesses days to resolve. I was patient and waited until today, XX/XX/XXXX, called back because the issue was not resolved. Still they transferred me elsewhere and forced me to leave a voicemail. So Im submitting this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
Paypal had held my earnings from my PayPal business account. They are not able to give me a reason as to why they have stolen my money. I made the account in order to accept payment on my XXXX store where I sell XXXX XXXX XXXX XXXX XXXX. After I had accepted orders using PayPal and shipped the items, PayPal said I can no longer use their service and are " holding '' my money aka STEALING. I called and emailed them but they don't have an answer for me. please help I was trying to start a small business but they scammed me out of all of my startup funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat payment on a credit card account under an + open end consumer credit plan as late for ar purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
I asked Rocket Mortgage to stop making sales calls and they said they would respect my wishes but kept making sales calls, even when I finally worked with one of their brokers, and again after I stopped working with her.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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:
Transunion ( XXXX ) Unauthorized Hard Inquiries XXXX ( XXXX ) Unauthorized Hard Inquiries Collection XXXX XXXX XXXX  ( {$150.00} ) Its been XX/XX/2019 3 Years 0 Months In accordance with The Fair Credit Reporting Act XXXX Account Has Violated my Rights. 

15 U.S. C1681 Section 602A States, I have the Right to Privacy. 15 U.S. C1681 Section 604A Section 2 It also States a Consumer Reporting Agency can not Furnish an Account without my Written
Instructions or Consent

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 2022-04-27 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: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
The lack of support during the tedious process I have felt extremely violated and compromised and as well as devalued as a consumer the following inquiries XX/XX/XXXX XXXX  XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX unknow creditor inquiry XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX all the following inquiring reports was made without proper permission on my behalf

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: Solomon and Solomon, P.C.
State: NY

Complaint narrative:
The lack of support during the tedious process I have felt extremely violated and compromised and as well as devalued as a consumer the following inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX unknow creditor inquiry XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX all the following inquiring reports was made without proper permission on my behalf

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: MI

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.

2866

Company response to consumer: Closed with explanation