vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-29 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 XXXX  Account : - XX/XX/XXXX - {$1300.00} - XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1000.00} - XXXX XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$540.00} - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX - {$290.00} - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX - {$89.00} - XXXX XXXX XXXX XXXX  XXXX XXXX A 5 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 2022-04-29 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 XXXXt Account : - XX/XX/XXXX - {$1300.00} - XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1000.00} - XXXX XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$540.00} - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX - {$290.00} - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX - {$89.00} - XXXX XXXX XXXX XXXX  XXXX XXXX A 5 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 2022-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX / {$670.00} / XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX / {$7500.00} / XX/XX/XXXX XXXX / {$0.00} / XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX / {$670.00} / XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX / {$7500.00} / XX/XX/XXXX XXXX / {$0.00} / XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX/ {$0.00} / XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have been filing a dispute on several occasion and numerous of times of the same complaints. XXXX and Experian has not been reporting disputes nor fully resolving them. I have reported fradulent activities including identity theft. I believe its a system breach and it is affecting my life. My credit score has been decreasing due to this illegal activities. I have contacted the companies that was reporting this information as well as the credit bureaus. Nothing has been done. XXXX XXXX has more updates then the actual credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Truist arbitrarily placed a fraud flag on my account without alerting me. As a result, I can not make payments or withdraw cash using this account. In effect, they are stealing my money. Apparently, this hold on the account has been in place for weeks. They have been taking days to remove the fraud alert and meanwhile the account is " closed for posting ''. I have spent hours between phone calls, branch visits and online chats trying to resolve this without success. They keep telling me that they reached out to someone to ask them to remove the fraud alert. It's been days and they haven't removed it. Additionally, they owed me a {$500.00} promotional bonus that they have not paid me because the account was closed for posting. Fix these things now. This is a crooked organization run by criminals. We need accountability here.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: AZ

Complaint narrative:
I received a letter today from XXXX XXXX XXXX saying I had signed up for a credit card and it wasn't approved. I never applied for this credit card. Now I have a hard inquiry on my credit card report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have attempted to resolve this matter several times with Experian as well as with XXXX XXXX as referred by Experian, I have received a letter by XXXX XXXX XXXX XXXX in which they state they can not locate the item within their data base if thats the case how are the credit reporting agencies obtaining this information? XXXX is not reporting this incorrect information, I have attached for reference as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/2022 Transunion ( XXXX ), I sent a letter regarding inaccurate and unknown items listed in my credit report. To this day, over 30 days later, I have not been given a conclusion to this matter. I am unfairly being treated. F

CRA Section 611A, clearly stated that the credit bureaus to investigated these items or immediately delete them. The credit bureau also violated 15 USC 1681 Section 623 ( 9 ) ( b ) ( 2 ). The credit bureaus are supposed to complete all investigations before the expiration period under Section 611 ( a ) ( 1 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29 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: JPMORGAN CHASE & CO.
State: FL

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

15 usc 1681 section 602 state i have the right to privacy.

15 usc 1681 section 604 A SECTION 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

15 usc 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late & having no knowledge of that company or creditor by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: Resurgent Capital Services L.P.
State: FL

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

15 usc 1681 section 602 state i have the right to privacy.

15 usc 1681 section 604 A SECTION 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

15 usc 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late & having no knowledge of that company or creditor by the name of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: GFS II, LLC
State: GA

Complaint narrative:
*Total Sale Price* The total cost of your purchase on credit, including your down payment of {$1200.00} added to XXXX is XXXX my down payment was not deducted from my total amount my down payment was not a credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX ( Original Creditor : 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 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 2022-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: IA

Complaint narrative:
Please see attached documents as it contains my full complaint and request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, Wells Fargo allowed someone to walk into a branch in a different state than the one I live in, provided them my account number and allowed them to withdrawal {$6600.00} from my account. From what I have collected, no debit card or pin was used ( despite being needed for that amount ), no one questioned why this transaction was being done out of state or why the signatures didnt match. 

To top it off, after 5 days, no one from Wells Fargo has reached out to me to discuss, via phone or email. The funds are part of a down payment required for a house I am trying to purchase and this is impeding my ability to proceed.

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 monetary relief
Consumer complaint received 2022-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
This lady came on the XXXX " XXXX XXXX '' to appraise my house ( Please see her business card ), her aim was to submit it to my Mortgage company " Mr. Cooper '' and remove the PMI. 

My house value has increased substantially and I also did an addition to the house which was signed off on XX/XX/2021. 

I have asked Mr. Cooper multiple times to remove the PMI, still the PMI is there on my Mortgage statement. 

Its been 10 days since that appraiser came to my house, and still the PMI is not removed.

When I have more than 20 % stake in my property, why am I being charged a PMI, I don't understand. 

I have made hundreds of calls and emails but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Central Portfolio Control Inc.
State: CT

Complaint narrative:
XXXX is a collection company that contacted me on my birthday by gaining access to my email and sending a text to me to wish a " Happy Birthday '' message much like a spammer does. In doing so I do not have the ability to opt out of their harassing messages which I believe I am entitled under law. This is a new tactic of theirs. I am enlisting your help to force XXXX to cease and desist these actions and to fine them to the full extent possible. If they are doing this to me they are doing this to countless thousands of others. Thank you for your kind help with this matter. 

This debt was paid off directly to the original creditor quite some time ago. This collection agency needs to fined for its behavior and for its poor record keeping.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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, has violated my rights. 

15 U.S.C 1681 section 602 A. states i have the right to privayc.

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 2022-04-29 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: WELLS FARGO & COMPANY
State: PA

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

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency cannont furnish an account without my written instructions.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
THERE IS INCORRECT INFORMATION ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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 — Was not notified of investigation status or results
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
15 U.S. Code 1666 - Correction of billing errors Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
This was not sent in error XXXX XXXX XXXX  consumer by law at XXXX XXXX XXXX XXXX XXXX misused at XXXX  I have some false at not 100 % accurate XXXX XXXX XXXX. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was a victim of a scam involving funds taken out of my bank account via a wire transfer.This occurred on XXXX. A third party contacted me about previous charge on my XXXX then told me that the IRS was asking this company to refund consumers. That being said the third party wire transferred what I thought was just the amount of the charge {$570.00}. It was for {$57000.00}. I checked my online bank account and the funds were there-third person instructed me to go to my bank and ask for the funds to be reversed back to them. I was told to tell the bank rep to reverse wire the funds citing " Clerical Error ''. The bank rep complied-never asking any questions. The third party, again wired me {$54000.00} to which I was then instructed to go to another branch of my bank and have the funds reverse wired back. Again back to another branch to have funds reversed, bank teller complied. This person, he called himself XXXX, has now been calling me incessantly that I have now had to contact the local police department and others. My bank account has now been hacked for approximately {$100000.00}. I have now closed all my bank accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
THERE IS INCORRECT INFORMATION ON MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
THERE IS INCORRECT INFORMATION ON MY CREDIT REPORT.

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