vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

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 XXXX XXXX XXXX. 

XXXXXXXX XXXX XXXXXXXX account # : XXXX XXXX Amount {$5.00} XXXX XXXX XXXXXXXX account # : XXXX XXXX Amount {$1100.00} XXXX XXXX XXXXXXXX account XXXX : XXXX XXXX Amount {$2200.00} XXXX XXXX XXXXXXXX account # : XXXX XXXX Amount {$2200.00} XXXX XXXX XXXX account # : XXXX XXXX Amount {$3600.00} XXXX XXXX XXXX XXXX XXXX Amount {$1100.00} 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. 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 non-monetary relief
Consumer complaint received 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: MS

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. 

XXXXXXXX XXXX  XXXX account # : XXXX XXXX Amount {$5.00} XXXX XXXX XXXX account # : XXXX XXXX Amount {$1100.00} XXXX XXXX XXXX  account XXXX : XXXX XXXX Amount {$2200.00} XXXX XXXX XXXXXXXX account # : XXXX XXXX Amount {$2200.00} XXXX XXXX XXXXXXXX account # : XXXX XXXX Amount {$3600.00} XXXX XXXX XXXX XXXX XXXX Amount {$1100.00} 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. 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 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: MS

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 XXXX XXXX XXXX. 

XXXX OF XXXX account # : XXXX XXXX Amount {$5.00} XXXX OF XXXX account # : XXXX XXXX Amount {$1100.00} XXXX  OF XXXX account XXXX : XXXX XXXX Amount {$2200.00} XXXX OF XXXX account # : XXXX XXXX Amount {$2200.00} XXXX OF XXXX account # : XXXX XXXX XXXX {$3600.00} XXXX XXXX XXXX XXXX XXXX Amount {$1100.00} 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. 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 2023-01-31 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:
Under U.S.C 1681 vin accordance with the FCRA, The listed accounts below has violated my consumer federally protected 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 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  EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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. 

They also didnt even record the current status of the disputed information which is another violation..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: eMortgage Funding LLC
State: MI

Complaint narrative:
eMortgage Funding LLC is calling me via XXXX XXXX from a credit pull I had from another broker. They have called 4 times, each time I clearly say to opt me out and put me on your do not call list. Each time they hangup on me, and then I get another call the next day. Each time they call from a spoofed number that is different. An audit will need to be conducted to uncover their calls to XXXX XXXX at XXXX XXXX XXXX. A review of their call recordings will show the blatant disregard for compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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 XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 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 2023-01-31 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 XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 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 2023-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX was supposedly sent out in XXXX of XXXX and between XXXX of XXXX the card was charged the full amount of credit. I never received this card nor approved of this card nor apply for this card. I was not notified of any charges on this card until XX/XX/XXXX when I received a late payment notice in the mail I called synchrony bank that is when I was told that there was a credit card that was approved and sent out to me the year prior and charged up. There was also an email attached. To this card, so XXXX assuming that is how they were getting statements nothing was sent to my house until they missed a payment as a paid XXXX months of payments. I have tried to resolve this issue since in the bank statements from my bank account for all the months that somebody made payments I have also sent in a police report to show that Ive never received this payment. These charges were not made by me. They continue to state that I am liable as Ive benefited from the use of this card which is not true I have never even received this card. I have also had to deal with other identity theft issue since then, but I have had XXXX who has helped resolve and have been able to put a seven-year continued lock, on my credit reports, I am asking them synchrony bank remove this off of my credit as I was not responsible for any of these charges I have sent them documentation to show that I did not use this card. They have made no real effort to help resolve this in the right way.

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 2023-01-31 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: MD

Complaint narrative:
On XX/XX/2022 I went to an ATM machine that is owned and operated by XXXX ( XXXX ). I withdrew {$400.00} and did not pull the money out within the allot 5-7 seconds and the funds were pulled back into the machine. XXXX is requesting the supporting documents of the investigation from Direct Express the provider of my Debit Card. 

I have repeatedly reached out to Direct Express for a copy of documents which were used in determining a final outcome of a disputed investigation. 
The dates we called are XX/XX/2022 / XX/XX/2022 / XX/XX/2022 / XX/XX/2022 / XX/XX/2022 and XX/XX/2022. 
I then mail a request on XX/XX/2022. They have said they mailed the requested information but I have not received. I am unable to provide XXXX ( XXXX ) this information and am still waiting for my {$400.00}. 

XXXX ( XXXX ) XXXX no address provided Direct Express XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I uploaded all documentation of my current address and I called 3 times each time the reps assured me that they are attaching the docs and it will be updated, they even wrote on XXXX of the outcomes that the address change requested was updated. 
Now since my address got off my report ( a few months ago ) I can not obtain a credit report for my mortgage lender... I am XXXX! 

I tried 3 times as mentioned I hope they will help me now

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I uploaded all documentation of my current address and I called 3 times each time the reps assured me that they are attaching the docs and it will be updated, they even wrote on XXXX of the outcomes that the address change requested was updated. 
Now since my address got off my report ( a few months ago ) I can not obtain a credit report for my mortgage lender... I am XXXX! 

I tried 3 times as mentioned I hope they will help me now

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 2023-01-31 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: TX

Complaint narrative:
Equifax is not aiding me in removing fraudulent items on my credit report. I have sent Equifax all necessary documentation for them to block and remove the information from my credit report and Equifax has been negligent. The fraudulent items on my credit report are Dept of Treasury and XXXX XXXX XXXX. My request to block is NOT made in error. My request to block information is NOT based on a material misrepresentation. My request to block is NOT of a knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
On Tuesday XX/XX/XXXX, I applied for a Chase XXXX XXXX Card. 

I was rejected for the card " for having too many applications in the last 24 months ''. For Chase this number is XXXX or more applications and is referred to as the XX/XX/XXXX rule. 

Application ID is : XXXX When I spoke with the reconsideration line today at approximately XXXX XXXX, I was told of this. 

I was told that XXXX of the cards they were considering opened, was a XXXX XXXX XXXX XXXX serviced by XXXX XXXX. 

As is well known, XXXX is in bankruptcy court currently and XXXX XXXX, has paused all cardholders ' attempts to use their card as XXXX can not currently pay accrued benefits to cardholders. 

So in effect, due to a bankruptcy, which I can not control, I am being treated as this is XXXX of the XXXX or more " opened accounts '', and thus a reason to disqualify me from this credit card. It was not because I was not credit worthy, not because I have poor XXXX XXXX but because a financial institution went bankrupt. I am XXXX of thousands who is effected by this. In such a situation where the card holders is UNABLE to use the card because the issuer went bankrupt, it is unfair to consider this as " an opened account ''. An opened account would assume that provided the cardholder continues to pay their bills on time, they would be able to use the card. I paid my bills on time and am no longer able to use the card, so this card should not be counted against the XXXX limit, and therefore, if that was the only reason my application was rejected, I should deserve redress. 

This is unfair to the consumer. 

When I spoke to several agents during a recorded call, they were very curt, insulting, and their tone of voice left much to be desired. I hope that these calls will be monitored and more respect will be paid to potential Chase customers. 

I already have XXXX credit lines at Chase XXXX XXXX XXXX card, and the Southwest XXXX XXXX card ), but based on this experience, I'm not sure I can recommend them to anyone else. Treating customers poorly and pushing us for bankruptcies that have nothing to do with us, is a poor way to conduct business. Now I have an additional hard inquiry on my credit report for the next years that will negatively affect me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
After being with the bank for 30 years Regions Bank sent me XXXX letters that all XXXX of my accounts will be closed on XX/XX/2023. I have XXXX personal and XXXX business accounts at Regions bank. 

There were no explanations and when I tried to call the numbers on the letter and talk to the bank representative in the branch, I was told that they do not have any information and that the department that sends these letter does not take phone calls and does not have anybody to communicate with. 

This does not make any sense. I do not understand how it is possible to treat people like this. 

I would like my accounts to stay as they are, and I would like to have an explanation why I have received such letters.

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 2023-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have reached out to Transunion, XXXX and XXXX regarding all the late payments on my credit report. They keep refusing to do anything about them. I have informed Transunion, XXXX and XXXX that according to law, I am a consumer and the legally can not put these on my credit reports. This is in accordance with the following laws : 15 USC 1681 2 ( i ) : report containing information solely as a transaction experience between the consumer and the person making the report By definition consumer report is ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

This is the definition of person : a human being regarded as an individual. 

This is illegal and Transunion, XXXX and XXXX need to comply with the law.

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 2023-01-31 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: CA

Complaint narrative:
All bureaus have put a long-standing fraud alert on my credit report without my authorization. This is inhibiting my ability to apply for credit. There is no reason why there should be an ongoing alert to be lasting 7 years. This needs to stop reporting on my report as soon as you receive this message. According to 15 USC 1681b, A consumer needs to provide the bureaus with written consent for changes to the credit report. Not once did I provide written consent to place a long-lasting fraud alert on my account. It is causing more harm than good and is creating hardship in my financial life.

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 2023-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
CHECKING MY CREDITREPORT IS SHOWING I HAD 3 COLLECTION FOR 3 DIFFRENT CREDIT CARDS I NEVER OBTAIN BECAUSE AT THIS TIME I AM OUTSIDE OF THE COUNTRY SOMEONE STOLE MY INFORMATION AND USE TO OPEN THIS CREDIT CARDS ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kelsting Group, Inc.
State: CA

Complaint narrative:
On XX/XX/2022 XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and i am no longer responsible for the account. Debtor creditor did not verify this collection. Also there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA XXXX has violated my rights as a consumer and i'm requesting legal action to remove this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: PA

Complaint narrative:
Dates and addresses are inconsistent between the XXXX 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