vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-26 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: 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 confidentiality under 15 USC 1681 XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX FCU # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX5 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 s-2 ( A ) ( 1 ) A person shall NOT furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: GA

Complaint narrative:
I have received a letter in the mail regarding updated hazard renewal for my homeowners insurance policy. Cross Country Mortgage HAS NOT PAID the remaining balance to the insurance company. I reviewed my documents and the homeowner 's insurance should have been paid from my escrow account. I called customer service on XX/XX/2022 and was put on a 3 way call with with the customer service representative from Cross Country and XXXX insurance. I was informed to pay the remaining balance and cross country will pay and I would receive a refund. I sent the cancellation notice with a receipt and I haven't received reimbursement. I called on XX/XX/2022 and talked with a rude customer service representative at Cross Country. She stated, " you have said escrow account 3 times and was shouting into the phone ''. I told her I can't talk to you shouting in the phone and I hung up. I have reported Cross Country to the Consumer Finance early this year for failing to pay my property taxes on time. This company is pathetic when it comes to paying property and insurance fees on time. Cross Country Mortgage is not reliable and does not seem to be concerned with customers mortgages or finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 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: LEXISNEXIS
State: WA

Complaint narrative:
Informed on XXXX that incorrect data will remain on report despite being provided source information that differed from their third party reliance on information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 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: WA

Complaint narrative:
Informed on XXXX that incorrect data will remain on report despite being provided source information that differed from their third party reliance on information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 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: FL

Complaint narrative:
I, XXXX XXXX, am aware that Capital One is not in compliance of the Gramm-Leach-Bliley Act. As a federally protected Consumer, my rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 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: KY

Complaint narrative:
I am federally protected consumer approaching the CFPB for assistance with handling a company that has been extorting me for several years. 

XXXX has continually extorted me and pursuant to 18 USC 894, collection of alleged debt is extortion and a violation of federal law. XXXX has also failed to comply with the laws of the GRAMM-LEACH BLILEY ACT, which clearly states that nonaffiliated third parties should not have access to my nonpublic personal information. It is very clear that XXXX has continually extorted me for the purpose of unjust enrichment. 

I recently reviewed my consumer report and unfortunately located major discrepancies amongst it. 

In my recent dispute to TransUnion and XXXX, XXXX XXXX XXXX XXXX certified to TransUnion and XXXX that the information they were reporting was accurate. As a consumer reporting agency, as defined under 15 U.S. Code 1681a ( f ), assembling consumer credit information for monetary fees for the purpose of furnishing consumer reports to third parties, it is your duty to adopt reasonable procedures for meeting the needs of commerce. 

Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) I'm aware that a consumer reporting agency needs the written instructions of I, the consumer, to furnish a consumer report. 

Without written instruction this consumer reporting agency has committed fraud by using my identifying information without lawful authority to furnish this information on my consumer report. If I didn't give you written instruction to furnish such information onto my consumer report, by law its identity theft. The term identity theft as described in 15 U.S. Code 1681a ( q ) and Regulation V 12 CFR 1022 3 is a fraud committed or attempted using the identifying information of another person without authority. I never gave XXXX XXXX XXXX XXXX authority or written instruction to furnish their tradeline onto my consumer report. Please provide the written instruction that I, the consumer have gave to XXXX XXXX XXXX XXXX which has authorized this furnished information. If you can not provide me with these written instructions by me, this has been a fraudulently made consumer report using my identifying information. l am demanding this information resulting from identity theft, be removed. I have not given any written instructions or any permissible purpose for any of the following inaccurate and unverified information to be furnished. That isa violation of 15 USC 1681b, which constitutes as aggravated identity theft in accordance with 18 U.S. Code 1028A. I have attached an FTC report due to the fraud and identity theft pursuant to 15 U.S. Code 1681a ( a ( XXXX ), that has taken place.

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 2022-06-26 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: KY

Complaint narrative:
I am federally protected consumer approaching the CFPB for assistance with handling a company that has been extorting me for several years. 

XXXX has continually extorted me and pursuant to 18 USC 894, collection of alleged debt is extortion and a violation of federal law. XXXX has also failed to comply with the laws of the GRAMM-LEACH BLILEY ACT, which clearly states that nonaffiliated third parties should not have access to my nonpublic personal information. It is very clear that XXXX has continually extorted me for the purpose of unjust enrichment. 

I recently reviewed my consumer report and unfortunately located major discrepancies amongst it. 

In my recent dispute to XXXX and Experian, XXXX XXXX XXXX XXXX certified to XXXX and Experian that the information they were reporting was accurate. As a consumer reporting agency, as defined under 15 U.S. Code 1681a ( f ), assembling consumer credit information for monetary fees for the purpose of furnishing consumer reports to third parties, it is your duty to adopt reasonable procedures for meeting the needs of commerce. 

Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) I'm aware that a consumer reporting agency needs the written instructions of I, the consumer, to furnish a consumer report. 

Without written instruction this consumer reporting agency has committed fraud by using my identifying information without lawful authority to furnish this information on my consumer report. If I didn't give you written instruction to furnish such information onto my consumer report, by law its identity theft. The term identity theft as described in 15 U.S. Code 1681a ( q ) and Regulation V 12 CFR 1022 3 is a fraud committed or attempted using the identifying information of another person without authority. I never gave XXXX XXXX XXXX XXXX authority or written instruction to furnish their tradeline onto my consumer report. Please provide the written instruction that I, the consumer have gave to XXXX XXXX XXXX XXXX which has authorized this furnished information. If you can not provide me with these written instructions by me, this has been a fraudulently made consumer report using my identifying information. l am demanding this information resulting from identity theft, be removed. I have not given any written instructions or any permissible purpose for any of the following inaccurate and unverified information to be furnished. That XXXX violation of 15 USC 1681b, which constitutes as aggravated identity theft in accordance with 18 U.S. Code 1028A. I have attached an FTC report due to the fraud and identity theft pursuant to XXXX XXXX Code XXXX ( a ( XXXX ), that has taken place.

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 2022-06-26 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 confidentiality under 15 USC 1681 XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

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

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency CAN NOT furnish a account without my written instructions. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 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 confidentiality under 15 USC 1681 XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX XXXXXXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX  # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

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

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency CAN NOT furnish a account without my written instructions. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-26 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:
My Equifax credit report had once more locked me out. This has been going on the past three years while I've been trying to get two of the same kind mortgage servicers to correct wrongful information that they report to the credit bureaus. They had blocked me from getting the XXXX XXXX XXXX and then for a few months allowed me access to later block me again. This time my Equifax was blocked and I left it that way because I knew once more they were either doing this for the mortgage company or allowing the mortgage company to do it. On Friday with much thinking I called the XXXX XXXX number listed with the error message. And in the many attempts to correct my intentionally blocked Equifax access, they asked mentioned that I had a VPN and that I need to disable it. I made the mistake of doing so and my PC has been an horror story since. Contacting the VPN company is how I found out I was asked to remove my VPN to allow access, because my VPN could in no way effect an log-in problem at a website. I'm not at all surprised this happened while trying to log into Equifax, I've had other very similar experiences and that's why I did not attempt to call that number. Its very obvious that serious changes has been made to my PC. And in an attempt to change passwords, I'm still wrestling to get things back the way it was before calling Equifax. I should have expected something when the guy kept muting the call if if he was talking to someone else. I feel rally bad about this because I had recently read that others had similar problems, but it was with my same mortgage company. They set me up to be hacked and exploited. I was told to contact the XXXX and that was done and to also report the crime at my local police on Monday. Its well known that XXXX XXXX XXXX XXXX is trying to steal our equity. Its also well documented. And they have been very aggressive. Hopefully someone will read here and avoid the mistake I've made to trust Equifax to allow me access to see my credit report, which if you are using MyEquifax, it is not what the lenders see. it is a second reporting that does not show what the XXXX XXXX XXXX shows. They have blocked me from getting my XXXX XXXX XXXX and have also prevented us from purchasing their paid and premium reporting, because they don't want us to see that they are not showing our Personal " Dispute Statement '' that we are legally allowed to have posted on our credit report. They like XXXX don't realize that the credit reporting services let you know when that statement has been removed. Why Equifax is so adamant to protect and allow such criminal behavior to take place is beyond us. We were told to keep documenting and we will continue

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nationwide Recovery Systems, Ltd
State: MO

Complaint narrative:
I realized that my credit scores got dropped down and the amount charged was too much as at XXXX of XX/XX/2022 and they always call and Threatening me over debts I dont owe them and it has been a old report in my credit score which they filed such to every credit card companies and other collections companies which they charged about {$3800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I have tried to close PayPal account without having to upload documents requested. Used XXXX, @ AskPayPal, to contact about closing account. By the way, my XXXX @ XXXX, has XXXX only meaning 18 years of age or older.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: A.R.M. Solutions, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX has been sending me bills that are inaccurate and incorrect ( extreme fluctuations in cost- from around {$20.00} XXXX month to around {$250.00} the next ) and suspicious meter readings, and assessing late fees when I haven't paid the full incorrect amounts, even after someone at their company told me bills were incorrect and that it would be fixed ). I have contacted them many times by phone, their website chat, their website email portal, and by mail, and they do nothing to correct the problem. I got a letter from A.R.M. Solutions , Inc., stating it is a debt collector and that " my debt '' has " been forwarded to them to resolve. '' There is a tear-off sheet, but it says that I should pay XXXX, not A.R.M Solutions XXXX and gives my XXXX account number as a reference number. Also, it says that the form should be mailed to XXXX, not A.R.M Solutions. I believe A.R.M. Solutions is misrepresenting itself as having bought the " debt '' from XXXX in its capacity as a debt collector. In reality I think that A.R.M. has some kind of partnership with XXXX to make people think that they have been sent to collections and that their credit will be ruined if they don't pay XXXX ' bogus bills. I have continued to pay a reasonable amount to XXXX monthly because it's true I am using some propane, just not the amount they are saying in their incorrect bills. I have paid nothing to A.R.M. and sent them a verification letter. I am XXXX and have low income and can not afford to pay XXXX ' inaccurate bills. Please investigate and stop these companies from taking advantage of people. Our whole HOA is having this problem, and XXXX has not explained to the XXXX president what is going on. XXXX neighbor was charged {$12.00} XXXX month and {$800.00} the next. I can provide more information upon request. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
Currently using XXXX and XXXX to garnish my wages without any notice that I defaulted in judgment. This should no longer be on my credit report, yet it's listed as XXXX different balances on XXXX different bureaus.

Company response to consumer: Closed with explanation