vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-04 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX, account number XXXX, account number XXXX, account number XXXX, account number XXXX, account number XXXX, account number XXXX, account number XXXX have violated my rights. 15USC 1681 section 602 8 states I have the right to privacy, 15USC 1686 section 604a, section 2i also states a consumer reporting agency can not furnish my account without my permission.

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 2022-08-04 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: TX

Complaint narrative:
I Recognized fraud inquiries on my account, and would like them removed. I have filed complaint with XXXX and have recieved FTC report. The following inquiries are from XXXX, and Transunion. 

XXXX : XXXX XXXX - XX/XX/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 - XX/XX/XXXX Transunion : XXXX - XX/XX/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

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 2022-08-04 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2022, I mailed you a letter disputing XXXX accounts as erroneous as certified mail with return receipt requested. I received notification that you had received the dispute letter in the mail on XX/XX/2022. I have not received a response from your company as of XX/XX/2022. In accordance with Section 611 ( a ) ( 5 ) of the Fair Credit Reporting Act, you have 30 days to investigate disputes. You must delete all disputed accounts from my report if you are unable to verify the information within the 30-day time frame permitted by federal law. The disputed and unverified accounts must immediately be deleted. Failure to do so could result in a {$1000.00} fine per item that is not removed.

In accordance with federal laws, a Consumer Reporting Agencies shall only furnish information in accordance with the verbal or written consent of the consumer to whom it relates. Reporting a consumer 's personal or financial information without prior consent is a direct violation of 15 U.S.C 1681 ( a ) ( 4 ) and is a violation of 18 U.S.C 1028A.

I have enclosed the original letter Outlining the disputed accounts.

Since I am prepared to pursue this matter in Federal Court, if I do not receive formal notices that these unverified accounts have been removed, I will file a lawsuit for identity theft, invasion and deprivation of privacy, defamation of character, and for impermissible purposes. Please be advised that as part of the legal proceedings, I will be seeking monetary damages for the numerous violations committed against me, the consumer, a natural living person. These compensations are non-negotiable as I have already given you the opportunity to remedy this matter. I'd like you to send me a free updated copy of my new credit report after you've removed these account ( s ).

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Care Credit card was closed due to other cards having higher balances and rotating credit. This card has no balance and has always been in good standing. Im not sure why my account would be closed due to any other card or account having any balance when I have paid them on time and in full always. Representative informed me that there was nothing I could do except reapply. I have had this card for quite a few years and suddenly there is a problem due to something that has no effect on this account whatsoever. I am very displeased with how this 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 2022-08-04 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: Bepensa Capital, Inc.
State: IN

Complaint narrative:
the previously complaint that was submitted on XX/XX/28 addressed a new issue after the arbtration was over. This is a new matter and I demand the accounting on this account to prove that I was late. This was reported on XX/XX/28 on my consumer report which allows me under 15 USA 1666 correction of billing wear as a consumer to request the account ledgers to investigate my account.

If you fail to do so I can refile a new case under this statue since this matter has happened after the fact.

Please provide me the accounting ledgers as I have reasons to believe and do so believe that there is a NEW billing error I will not hesitate to reach out to the Attorney General and the IRS to audit this account or whoever to get this matter resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2022-08-04 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2022-08-04 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: NY

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
The owner died unexpectedly in XX/XX/2021. My office was hired to probate the Estate. We have been diligently working on this probate which has real estate in Massachusetts and Rhode Island. That is to say it is complicated and takes time to process through the courts. We were able to get the RI property listed a couple of months ago and had to drop the price several times. We are now in the process of requesting a short sale. The first lienholder would receive most of what they are due but the 2nd lienholder would not. This is another time consuming process. We requested the foreclosure be postponed and the primary lienholder denied the request. This is the 1st foreclosure sale date and the property will sell for far less than what is owed to the primary lienholder at auction. In addition, the heir and Administrator has put a great deal of time, money and energy in preparing the property for sale. Under the XXXX case, I believe the lender has to give you the opportunity to sell it privately when you have a Bona Fide Purchaser.

We need help in getting this postponed so we can perform our fiduciary duties to the estate and the heirs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NOVAD Management Consulting, LLC
State: UT

Complaint narrative:
I am a XXXX XXXX XXXX working on behalf of a borrower who is refinancing her mortgage. As part of the process, a current Payoff statement and a Loan Summary for her current mortgage is required. 
Her current loan servicer is Novad Consulting. I first requested the payoff and loan summary from Novad Consulting on XX/XX/XXXX and I received no reply. On XX/XX/XXXX I sent a second request. I then called Novad directly on XX/XX/XXXX and explained that I never received the payoff statement & loan summary. I was told they would " escalate '' my complaint and I would receive a reply in 5-7 days. On XX/XX/XXXX I called Novad again stating that I never received any reply and still had not received the payoff and loan summary. There were three other loan processors in my company who were having the same exact problem with Novad- we were all unable to receive the requested payoffs and loan summaries.

I sent another request to Novad by fax this time instead of by email and finally received a partial response as they faxed the XXXX XXXX on XX/XX/XXXX but no Loan Summary as requested. On XX/XX/XXXX I made another call to Novad requesting the Loan Summary. Again, I was told that my complaint would be " escalated '' and I would have a response in 5-7 days. This response never came and neither did the Loan Summary. The Payoff they sent me has now expired ( good for 30 days ) while I have been trying to get the Loan Summary- both of these payoff documents are required for my borrower 's loan to close. My poor, elderly borrower has been ready to close her loan for over a month as these payoff documents are all we have been waiting for. Novad is required by law to provide payoff documents when requested. I sent another request by fax on Friday XX/XX/XXXX and another one on Monday XXXX. I called Novad again today XXXX and was given the same spiel that my complaint will be " escalated '' and I'll get a response in 5-7 days which I now know will never come.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Someone named XXXX called my business to confirm info re my amex card. i called amex directly they confirmed it was not their number and it was a scam. phone # he requested i call back is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I received alerts from XXXX XXXX on one of my credit cards that there was a hard inquiry reported on XX/XX/22 and a phone call and email that my credit score had changed from XXXX XXXX XXXX. Both alerts said that it was through Bank of America and XXXX. XXXX indicated that the alert was for XX/XX/22. I have been a victim of identity theft before so I had previously locked my credit on all three lines. When I called XXXX that report was unlocked and Im unsure if it timed out or if it was unlocked from when I purchased a car earlier this year. I then made sure XXXX froze it again. After calling Bank of America they let me know that someone had applied online for a XXXX XXXX credit card and was approved for a {$16000.00} credit limit. Bank of America was unable to find the address directly related to the application but they did have an address of a family member that I had not provided. I asked them to remove it. They said the card hadnt been used yet and Bank of America also closed the account. They ensured me that they would work to correct any issues with my credit score.

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 2022-08-04 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2022-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: DE

Complaint narrative:
Unauthorized ATM withdraw Gas station {$280.00} XXXX XXXX XXXX XXXX  ATM Cash app/ Square cash XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
While checking my credit report, I notice an account from GM FINANCIAL, that I believe is not being reported correctly on my credit report. On XX/XX/2022, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, ( see Attached ). After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2022, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the credit bureaus, along with my incident report, ( which are attached ), asking them to verify or remove the negative report on my credit report that GM FINANCIAL is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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 number XXXX, account number XXXX, account number XXXX, account number XXXX, account number XXXX, account number XXXX, account number XXXX have violated my rights. 15USC 1681 section 602 8 states I have the right to privacy, 15USC 1686 section 604a, section 2i also states a consumer reporting agency can not furnish my account without my permission.

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 2022-08-04 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 number XXXX, account number XXXX, account number XXXX, account number XXXX, account number XXXX, account number XXXX, account number XXXX have violated my rights. 15USC 1681 section 602 8 states I have the right to privacy, 15USC 1686 section 604a, section 2i also states a consumer reporting agency can not furnish my account without my permission.

Company response to consumer: Closed with explanation