vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-07 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: LA

Complaint narrative:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

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

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

15 U.S.C 1681 section 602 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 2023-03-07 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: LA

Complaint narrative:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

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

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

15 U.S.C 1681 section 602 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 2023-03-07 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: AZ

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX XXXX XXXX {$3200.00} XX/XX/XXXX XXXX XXXX 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 2023-03-07 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: AZ

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AZ XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX XXXX XXXX {$3200.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
On XXXX comenity Capital Bank  has called three different times from unknown ior unidentified numbers. Spoke with XXXX who would not provide an address was told stop calling and asked to transfer to a manager. XXXX was rude threading and did not transfer the call. Comenity Capital Bank is the owner of the credit card for XXXX who has filed bankruptcy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: TX

Complaint narrative:
Vance and Huffman is reporting an inaccurate collection account on my credit reports that I have disputed directly with them. Here is the tracking to prove they received my dispute XXXX XXXX XXXX XXXX XXXX. 

In response to my dispute they sent me a letter stating that they would contact the original creditor for documents and would cease all collection efforts on the account which I have attached the letter below. 

When disputing an account from a consumer reports, the creditor has 30 days in receipt of my dispute to complete their investigation and send over all requested documents. I received their response on XX/XX/2023 which means they had until XX/XX/2023 to send over the documents they say they reached out ti the original creditor for. I have yet to receive any further information in the mail regarding this debt. Furthermore, once Vance and Huffman received this debt all supposed documentation should have been given to them. 

Its obvious that this account can not be verified and should be deleted from my reports. I am not sure why its still reporting when they stated they would be ceasing all collection efforts meaning that this account would be dropped from their office. I am demanding that this account is deleted from my reports now!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Accounts, Inc.
State: ND

Complaint narrative:
Never received a letter about medical debit for XXXX. Never had option to dispute or confirm debit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: TX

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. Account name : XXXX XXXX XXXX  # XXXX, Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: TX

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. Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: NVR INC.
State: SC

Complaint narrative:
On XX/XX/XXXX, my wife and I applied for a mortgage loan through NVR mortgage. Shortly thereafter we were conditionally approved, and by XX/XX/XXXX of XXXX we had received an email that confirmed a closing date of XX/XX/XXXX. The email says, " this date is considered firm ''. The email also reads that any delay on the BUYER 'S part will result in additional fees. After moving across the country and paying to store our belongings, we reached out to NVR the day before close to confirm what we needed to bring to settlement. It was then that NVR told us our close had been moved to XX/XX/XXXX. This was never communicated to us at any point. Both online portals we had been using to submit documents still indicated a XX/XX/XXXX close. We had done our walk through of the home on XX/XX/XXXX, and the project manager on site also confirmed to us a close date of XX/XX/XXXX. Obviously he was unaware of the changes as well. NVR has told us they will " see what they can do '' about paying for our storage but refuse to honor the original close date. They claim the only thing holding up the process is for my wife to begin her new employment, instead of honoring the offer letter she has provided multiple times stating her salary and guarantee of full time work. Our commitment letter reads that the only thing required is verbal verification of employment within 10 days of closing. My wife has already been through her drug screen and employee health physical at this new place of employment but again, they are delaying until her first actual day of work. Both my spouse and I strategically took time off work, organized a move, set up utilities, etc., for a date that had been changed in XXXX that NO ONE communicated to us. We have our mail forwarded to a mailbox we don't have keys for for another 23 days. It is unacceptable that the buyer would have to pay a penalty for delaying close but all NVR has done is give us vague answers about how they plan on fixing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK
State: ID

Complaint narrative:
Discover Bank went down twice in XXXX and XXXX of XXXX. 
The first time I made a mobile deposit with my main business income and the deposit didn't clear. I received a notice that mobile deposits submitted between XX/XX/XXXX and XX/XX/XXXX were delayed in processing. It did not deposit for a week and cleared on XX/XX/XXXX. 

The question then comes, how do you get external money into a Discover checking account so that your rent payment clears? Well, no money apps work with Discover checking- not XXXX, not XXXX, nothing. The app Discover had on their own website, XXXX, hasn't worked for months. When talking to a customer service rep about what I could possible do, the only option became XXXX XXXX XXXX. I promptly go there and am informed that the Discover debit card that I had doesn't work for their money services- the XXXX card that would have worked was manufactured last year but was never sent to me. 

The other time Discover went down, there was 'system maintenance ' for XXXX hours with no warning given to customers and you couldn't access money again over a weekend. 

So, here I am closing my Discover checking and savings accounts after bouncing XXXX rent checks with either no access to funds or no way to get external money into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
I have summitted disbursement requests to this company on XX/XX/2023 and they have not sent it. This happens every time I submit a request. Talking on the phone to them gets me nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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 XXXX XXXX XXXX XXXX XXXX, 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 15 U.S.C 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 15 U.S.C 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 non-monetary relief
Consumer complaint received 2023-03-07 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
Bloomingdales fraudulently charged by account {$6.00} on XX/XX/XXXX, which I had a XXXX dollar balance. I was unaware of this charge until I received a late notice. Union receipt I called Bloomingdales which stated the amount would be refunded & all fees ( late & interest ) would be credited in full, bringing my balance back to XXXX dollars. Upon receiving the following month 's bill there were still charges, which I called again to have the matter resolved. Same story, they fixed the issue, yet really did not ... .Finally in XX/XX/XXXX Bloomingdales was finally been able to issue all credits to ensure the account is XXXX dollars. 

Please note while they issued a full credit for everything related to this matter, they did NOT remove the XX/XX/XXXX late payment from my XXXX credit report. The fact this company charged my account in error, issued all credits, yet reported a late payment to XXXX due to their lack of competency to resolve the matter in a timely fashion and will not remove their error of reporting a late payment is disgusting. A company that is filled with errors, which I as a consumer is helpless should NOT have my credit report impacted. The last payment should be removed & the company should be FINED by the government for harming consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: TX

Complaint narrative:
Based on 15 US Code 1681c-2, a consumer reporting agency can block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft no later than 4 business days after dispute receipt.

Per 15 US Code 1681b ( a ) ( 2 ) -permissible purpose, I never gave written permission to any reporting agency to report anything on my consumer report. This violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am requesting the deletion of the following and attached accounts immediately.

15 USC 1681 Section 604-states rights to consumers privacy Reporting agencies can not furnish an account without my written consent!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: TX

Complaint narrative:
Based on 15 US Code 1681c-2, a consumer reporting agency can block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft no later than 4 business days after dispute receipt.

Per 15 US Code 1681b ( a ) ( 2 ) -permissible purpose, I never gave written permission to any reporting agency to report anything on my consumer report. This violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am requesting the deletion of the following and attached accounts immediately.

15 USC 1681 Section 604-states rights to consumers privacy Reporting agencies can not furnish an account without my written consent!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
On XXXX XX/XX/XXXX, XXXX XXXX Bank made a digital transfer of {$10000.00} to Barclay Bank Delaware. The XXXX XXXX statement dated XXXX XX/XX/XXXX - XXXX XX/XX/XXXX reflects a transmission date of XXXX XX/XX/XXXX and a posted date of XXXX XX/XX/XXXX. Barclay bank statement dated XX/XX/XXXX - XX/XX/XXXX shows receipt of funds on XXXX XX/XX/XXXX, and declared a XXXX balance on the Barclay credit card. The following month 's statement, showed the payment, but the account balance was back to the amount as if no payment had been received. Barclay declared that the digital transfer of funds was being treated as provisional. Since that time Barclay has insisted that no payment transfer has been received and that I have to provide all digital transfer information as proof of payment. 
Starting in XXXX, I provided copies of my XXXX XXXX Bank statements to Barclay and was informed that they were not good enough to provide proof of payment. Numerous attempts have been made to fax Barclay Bank digital information. I am attaching a chronological sequence of events of all contact with both Barclay Bank and XXXX XXXX showing the numerous phone calls and interactions that are still on going.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: ID

Complaint narrative:
Experian Company credit reporting has locked my personal profile. I am unable to change my password, pin, and other security information. 

This information along with my SSN was requested by Experian Company specialist agents each time I contacted the company regarding my concerns how they are displaying my credit report.

Experian Company credit reporting website informs my information has been found over 10 times.

I considered Experian Company credit reporting has exposed my information to fraudulent activities. Experian Company credit reporting website informs I must upgrade to their premium package if I want my information protected.

Experian Company credit reporting website informs that ID monitoring from their company 's plan is needed for my account because it is unprotected on their website. If I want protection for my information, I must upgrade to their premium or other offered packages, but protections are not available in the free package. 

Therefore, it is important to have access to change my password, pin, and security information on Experian Company crediting reporting website. But I am unable to complete the process because Experian Company has disabled my ability to make changes to my personal profile on their website.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Back in XX/XX/2022, a scammer had me transfer XXXX from Bank Of America to XXXX XXXX XXXX  with a promise of investing it. The service never provided me money and kept asking for more. The scammer used the web site lead-assets.com to run their operation. BOA looked into it but said since I sent the money and it was not stolen out of my account, they are not liable.

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