vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-14 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: VA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of the listed accounts has violated my rights. 

Please also be advised that some of these accounts are listed under my former name XXXX XXXX XXXX and my new legal name is XXXX XXXX. 

They violated the following : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: FL

Complaint narrative:
I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I submitted a previous complaint XXXX regarding ALLY BANK treating my account suspiciously. 

ALLY BANK on decided to close my account on XX/XX/2023. It sent a short email stating such and no other information on how my funds are to be returned to me, how long the return of funds is expected to take, etc. 

Their ONLY communication : " We closed your Money Market Savings Account ending in XXXX '' I think, as a professional courtesy, this should be included in any communication to unilaterally close my account. During this period, they are still a trustee of my funds and should act accordingly.

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 2023-03-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
I had a loan with Amerihome Mortgage. My loan number is XXXX my name is XXXX XXXX .... I paid off this loan XX/XX/2022 I am still waiting on my refund from my escrow acct ..... I was told it was sent and I never receieved it!!! I have called at least 10 times inquiring about the status of this check. It keeps saying its sent but I have yet to recieve it. And each time they stop it and reissue it. I was told they could overnight it this last time I phoned. Can someone please assist me with this refund- {$3300.00}!!! I have taken to writing them so I will have a paper trail.! am requesting my refund to no avail? 


Thank you XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: TN

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: FL

Complaint narrative:
See Attachments Below. I intend to dispute the following. Account : XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX {$4900.00} / XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  {$400.00} / XX/XX/XXXX XXXX Dept Of Education XXXX XXXX  $ XXXX XX/XX/XXXX, Dept Of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Dept Of Education / XXXX  {$2000.00} / XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Inquiry : XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX : XXXX XXXX Date : XX/XX/XXXX Inquiry : XXXX XXXX Date : XX/XX/XXXX Inquiry XXXX XXXX Date : XX/XX/XXXX Inquiry : XXXXXXXX XXXX Date : XX/XX/XXXX Inquiry : XXXXXXXX XXXX Date : XX/XX/XXXX Remove Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX / XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX / XXXXXXXX XXXX XXXX XXXXXXXX XXXX CO XXXX / XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14 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: FL

Complaint narrative:
See Attachments Below. I intend to dispute the following. Account : XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX {$4900.00} / XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  {$400.00} / XX/XX/XXXX , Dept Of Education XXXX XXXX XXXX  XXXX XX/XX/XXXX, Dept Of Education / XXXX XXXX XXXX XXXXXX/XX/XXXX, Dept Of Education XXXX XXXX {$2000.00} / XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry : XXXX XXXX XXXX XXXXk Date XXXX XX/XX/XXXX Inquiry : XXXXXXXX XXXX, XXXX Date : XX/XX/XXXX XXXX : XXXX XXXX Date : XX/XX/XXXX Inquiry : XXXX XXXX Date  : XX/XX/XXXX Inquiry XXXX XXXX Date : XX/XX/XXXX Inquiry : XXXXXXXX XXXX Date : XX/XX/XXXX Inquiry : XXXXXXXX XXXX Date : XX/XX/XXXX Remove Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX / XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX / XXXX XXXX XXXX XXXXXXXX XXXX CO XXXX / XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: FL

Complaint narrative:
I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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 need you to investigate the following account Accounts : XXXX XXXX XXXX Account Open : XX/XX/2015 I request you provide me with proof of all alleged payments being late From the Following accounts stated Above. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( PAANL ). 
Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported. 
Once you have finished your investigations, send me an updated credit report to the address stated above. Thank you.

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 2023-03-14 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 need you to investigate the following account Accounts : XXXX XXXX XXXX Account Open : XX/XX/2015 I request you provide me with proof of all alleged payments being late From the Following accounts stated Above. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( PAANL ). 
Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported. 
Once you have finished your investigations, send me an updated credit report to the address stated above. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: SC

Complaint narrative:
I became a victim of identity theft a couple of years ago after that, I see a lot of inaccurate and authorized items in my credit report please these authorized items which are not authorized by me 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ( consent ). By law, NO consent is identity theft.

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 2023-03-14 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: PA

Complaint narrative:
I have a credit fraud alert on my account. Credit is still being ran and inquiries are being made om my report without my consent or knowledge. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14 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: I.C. System, Inc.
State: TX

Complaint narrative:
Please note that I am the author of this complaint and all attachments. 

The credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, XXXX automated responses. No real investigation was conducted after my initial dispute.

The furnishers are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

After my dispute of the accuracy of these accounts, the furnishers falsely verified the reporting to be accurate and complete instead of deleting the account from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n

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 2023-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I have had my Venmo account frozen without just cause and have made numerous attempts to resolve the matter but they have no interest in resolving it and now state they have cause to hold my money for at least 180 days.They said that i violated the user agreement but wont explain how and then just said the matter is closed. That makes it right for them to hold my money And close my account? 

XXXX. What bank issued your card/account ( look on the back of your card for the words " This card issued by '' )? 
XXXX XXXX. What type of account is at issue ( Examples include : Checking, Savings, Prepaid, Digital Wallet, etc. )?

Checking 3. Is the account/card in your name? If not, whose name is it in and what relationship are they to you?

Yes 4. Date your account was closed or, if it is still open the date the restrictions were placed on it? 
XX/XX/XXXX 5. Were you given prior notice of the restrictions or account closure? If not, how did you find out?

No 6. Did you try to make any transactions that were declined due to the hold? If so, please identify the attempted transaction ( s ) ( for example, failed ATM withdrawal, card declined at the grocery store, etc. ) and provide the date that you attempted the transaction ( s ).

Yes 3 failed atm withdraw 2 on XX/XX/XXXX and XXXX XX/XX/XXXX XXXX. What is your accounts approximate balance that is being withheld from you? 
{$410.00} XXXX. Are the restrictions placed on the account preventing you from logging into the website or mobile application for the account? 
No XXXX. Did you communicate with the company to try and resolve the issue ( s )? If so, give dates? Also, please provide me with copies of your communications [ emails and screenshots of calls ] to the bank regarding the restrictions placed on your account. I ask out of an abundance of caution because notice of the error ( s ) to the financial institution can be a critical issue in these cases. 
Yes i did communicate threw email with venmo on the following dates- XX/XX/XXXX @ XXXX, XX/XX/XXXX @ XXXX, XX/XX/XXXX @ XXXX, XX/XX/XXXX @ XXXX XXXX. Did the bank ask for you to provide identification documents? If so, what documents did they ask for? What documents did you provide them? What date did you provide them? 
Yes they asked for identification documents. I sent them my license on XX/XX/XXXX. 

XXXX. Did you ask for the bank to close the account/card and mail you a check? 
Yes was told I couldn't close account. 

XXXX. What is your telephone number in case we need to contact you? 
XXXX XXXX. In which state do you reside? 
OHIO

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-14 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: SC

Complaint narrative:
I became a victim of identity theft a couple of years ago after that, I see a lot of inaccurate and authorized items in my credit report please these authorized items which are not authorized by me 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ( consent ). By law, NO consent is identity theft.

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 2023-03-14 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I became a victim of identity theft a couple of years ago after that, I see a lot of inaccurate and authorized items in my credit report please these authorized items which are not authorized by me 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ( consent ). By law, NO consent is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: PA

Complaint narrative:
I have a credit fraud alert on my account. Credit is still being ran and inquiries are being made om my report without my consent or knowledge. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: PA

Complaint narrative:
I have a credit fraud alert on my account. Credit is still being ran and inquiries are being made om my report without my consent or knowledge. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation