vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-07 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 _XXXX XXXX XXXX  XXXX XXXX Account # XXXXXX, has violated my rights. 


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

15 UL.S.C. 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2022-06-07 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act _XXXX XXXX XXXX  XXXX XXXX Account # XXXX has violated my rights. 


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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: FL

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

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: TRUSTMARK CORPORATION
State: MS

Complaint narrative:
On XXXX XXXX using a XXXX XXXX  XXXX  XXXX XXXX to pay my local garage bill so i can get my tag at XXXX XXXX XXXX XXXX XXXX. The teller says can not used this card i thought it was local bank debt card so i took Trustmark bank card for XXXX XXXX XXXX XXXX for {$50.00} @ XXXX XXXX  Then Sunday XXXX Home Phone called XXXX Trustmark Case # XXXX XXXX XXXX {$76.00} for XXXX others are XXXX XXXX XXXX for {$250.00} And XXXX XXXX XXXX in XXXX, tn {$250.00} then it's look like Debit reversal {$250.00} that's was XXXX XXXX  Then XXXX  XXXX XXXX XXXX XXXX  Was {$86.00} on XX/XX/2022 for Fair Market Value prior {$86.00} on XX/XX/2022 for XXXX XXXX  and on XX/XX/2022 same amount same name. 
Thanks very much XXXX XXXX XXXX, Please let me know about this A.S.A. P.

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 2022-06-07 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: AMERICAN HONDA FINANCE CORP
State: LA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX American Honda Finance, has violated my rights. 
15 USC 1681 Section 604 A Section2 : it also states a consumer reporting agency can't furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has spotted reasonable procedures designed to ensure that each periodic statement including the information required by Section 1637B.

This account was reported incorrectly four times on my credit report. I have sent a letter requesting the remove, but the company only updated the payment status.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD

Complaint narrative:
This account was transferred from XXXX to Rushmore earlier this year while in the middle of a forbearance plan. At the end of the forbearance plan on XX/XX/2022, I was given 2 options, either have the missed payments put on the end of the loan OR new higher payment amount. These options were done with a click of a mouse on the XXXX website. 

Since my account was sold to Rushmore, 1. I have been locked out of my account 2. I can not make online payments 3. I have to call in to make a payment with a average hold time of XXXX minutes plus. 
4. Im redirected to lose mitigation who are rude and arrogant. 
5. I was given a list of documents to submit for approval of a loan modification most of which I do not have and will not submit due to privacy. 

Back in XXXX XXXX XXXX, I was sent a letter with my contact person in charge of my account. I have tried to reach this person numerous times and they never return my call or answer their phone. 
This forebearance plan was agreed upon with the prior servicer XXXX and Rushmore needs to abide by the original agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: NY

Complaint narrative:
In accordance With the fair credit reporting act XXXX Account # 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 1681Section 604 A. Section 2. It Also States A Consumer Reporting Agency can not furnish an account without my written instructions. 

In accordance With the fair credit reporting act XXXX Account # XXXX XXXX XXXXXXXX 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 1681Section 604 A. Section 2. It Also States A Consumer Reporting Agency can not furnish an account without my written instructions. 

In accordance With the fair credit reporting act XXXX  Account # 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 1681Section 604 A. Section 2. It Also States A Consumer Reporting Agency can not furnish an 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 2022-06-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Capital Benefit, Inc.
State: CA

Complaint narrative:
During Covid all business was shut down, requested forbearance. Submitted without response. Quickly recovered and within 90 days made 2 overpayments overpayments to bring account current. Continued to make overpayments. Servicer added fees continually, REDUCED principal but added fees, and did not apply payments as requested. During this entire process and COVID lockdown threatened foreclosure.

Has a history of Real Estate Issues and license suspended

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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 XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX 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

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 2022-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

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

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX 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

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 2022-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC
State: SC

Complaint narrative:
XXXX sent a certified debt verification letter to : Capital Accounts XXXX XXXX XXXX XXXX TN It was received XXXX. 

They removed this collection when the debt verification letter was received y them but after the 30 days was up they placed it back in collection. It is XXXX and I still have not received any response from them requesting verification. They are continuing to attempt to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX To whom it may concern, Im writing this letter to dispute the following accounts : 1. 15 U.S. Code 1681n Civil Liability for willful noncompliance XXXX  XXXX Bankruptcy Case Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 2. 15 U.S Code 1666 ( b ) XXXX XXXX Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 3. FDCPA section 807 Violation Misleading False Reporting XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 4. invalid inquiry XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX please delete this unauthorized inquiry from my account This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX Thank You Sincerely yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Unable to change and add personal statement.

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 2022-06-07 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: FORD MOTOR CREDIT CO.
State: NJ

Complaint narrative:
In accordance with the fair credit reporter act XXXX  account number XXXX of XXXX XXXX XXXX Has violated my rights ( 15 US Code 1681 section 602 ( 8 ) states I have the right to privacy And 15 US Code 1681 604a section 2 states a reporting agency can NOT furnish my information without my written consent. XXXX XXXX was put on notice that I do not nor does my co-signor XXXX XXXX wish for our information be reported and has not given written consent to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Capital One arbitrarily canceled my card or canceled my account which dropped my credit rating by XXXX points. I called Capital One and demanded Id be taken off my credit rating. Whether I use their card or not use it is my decision and I shouldnt have to worry about having my credit irreparably damaged just because they want to close the account. I wasnt in debt to them I didnt use their card I didnt need to use it. Now my credit is destroyed because of this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: NY

Complaint narrative:
on XX/XX/2022 i sent letters to XXXX, XXXX and transunion about accounts that were opened with identity theft, they didn't remove all the accounts that was listed as id theft and thats against the law. i sent letters again to XXXX, XXXX and transunion on XXXX because they didn't remove XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX eventhough its id theft and i sent my ftc they still failed to delete it eventhough by law ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. they are breaking law please make them follow law and delete

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 2022-06-07 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Unable to change and add personal statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: NY

Complaint narrative:
In accordance With the fair credit reporting act XXXX  Account # 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 1681Section 604 A. Section 2. It Also States A Consumer Reporting Agency can not furnish an account without my written instructions.

In accordance With the fair credit reporting act XXXX  Account # XXXX XXXX XXXXXXXX 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 1681Section 604 A. Section 2. It Also States A Consumer Reporting Agency can not furnish an account without my written instructions. 

In accordance With the fair credit reporting act XXXX  Account # XXXXXXXX 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 1681Section 604 A. Section 2. It Also States A Consumer Reporting Agency can not furnish an 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 non-monetary relief
Consumer complaint received 2022-06-07 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Because I got XXXX the XXXX  account went to a collection. I missed the time because i was sick. Anyway it was paid but still negative affecting my credit because it showing as a Collection type. I dont think is fair. It should be deleted.

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 2022-06-07 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: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
The credit bureaus stated that the account was properly investigation but how is it possible if the debt is already paid. If the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal & numerous of rights violate, wherefore too many to mention.

15 U.S.C 1681 section 602 A. States i have a right to privacy.

1 5 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.

This is a violation of the creditor department policy By mixing files, Furnishing and reporting old in inaccurate information, privacy violation resulting in fraud by Creditors, withholding notices and most importantly willful FCRA violations, in which is fraudulent willful intent by to or more officials.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV sent notice regarding an account at XXXX XXXX XXXX  on XXXX, XXXX from XX/XX/XXXX for {$2100.00}. My daughter ( XXXX XXXX ) informed them that this was not my debt as I had never had an account/card with XXXX XXXX until now. She told them that we required proof that I had opened this acct. We have not heard from them about this account to date. 
On XX/XX/XXXX, I received a notice from LVNV regarding an account from XXXX bank for {$1100.00} from XX/XX/XXXX. I had previously informed them that I knew nothing of this account and this time I am going to inform them again that I did not have an account with this company and request proof of who opened the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XX/XX/2022 wire transfer of XXXX payments of {$150.00} to XXXX registered as XXXX on XXXX ( Chase ) XXXX pretended to be a girl on XXXX who contacted me offering to exchange XXXX photos. They then blackmailed me ( XXXX  ) by threatening to share XXXX  photos of me with my family, friends, univeristy, etc. If I didnt pay X amount of money. 

I am hoping to receive the {$300.00} I sent Chase told me XXXX payments are non-reversible, but I anticipate if legal action is taken this could be changed.

Company response to consumer: Closed with explanation