vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America is holding my deposit. They gave me a scheduled release of funds and have made none available to me on the specified dates. After giving me a scheduled release of funds the bank then put an extended hold on all of my funds not releasing any of the money for 9 days. Legally they according to Regulation CC they are required to release {$5500.00} of the funds to me and hold the remaining until their required date.

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 2022-12-13 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: MO

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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed  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 2022-12-13 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: NJ

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 act 15 u.a.c 1681 ) 1 ( fXXXX 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 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 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 2022-12-13 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: NJ

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 act 15 u.a.c 1681 ) 1 ( 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 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 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 explanation
Consumer complaint received 2022-12-13 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: NJ

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 XXXX 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX 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 XXXX n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX 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 im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MO

Complaint narrative:
On XX/XX/2022 we had a fire that completely destroyed my shop and damaged the roof on my main house. My insurance company deemed the shop a total loss and {$13000.00} damage to the roof of the main house garage. I received the check that was endorsed and sent to my mortgage company, Freedom Mortgage. Since that time, Freedom Mortgage lost, XXXX has fought me every step of the way. I have sent in all the required forms the invoices for work completed by contractors, and they have not released any funds to pay the contractors that have completed work. The contractors will not sign a lien waiver without getting paid, every time XXXX contact Freedom Mortgage they add additional requirements to being able to draw funds. So far they have paid for a partial materials list and thats all the concrete is done and they have not paid for the concrete. Every phone call is never answered by the same person in communication is not the same with any one phone call. Additional requirements are added every time. We are trying to rebuild our shop and repair our house garage. I cant talk to a supervisor that can make a decision that has helped us at all. Please help get freedom, mortgage loss department cooperating with a client who merely wants to rebuild what was lost, but cant do it without funding.

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 2022-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: CA

Complaint narrative:
I notified my financial Institution, U.S. Bank, that i had lost a debit card back in XXXX XXXX XXXX. U.S. Bank cancelled the card and issued a new card. I alerted merchants of my new card that I had set up recurring payments with except I forgot one, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In XXXX, on or about the XXXX of the month, while reconciling my checking account, I noticed a {$230.00} charge from XXXX XXXX XXXX. I called them and asked what the charge was for. They stated, my card they had on file was declined and in XXXX, they stated that U.S. Bank notified them of my new card so, the merchant charged me for four months of membership fees. I asked for a reversal, they agreed and, i asked to close my account, they agreed, fortunately. 

I then contact U.S. Bank to ask them how and why they gave my new card information when i did not authorize them to do so. I asked them if they were using a product/service called, " XXXX Account Updater Service ''. They said ( and I quote ), " We can neither confirm nor deny that we use that service ''. I replied that I was concerned about identity theft because a financial institution is supposed to only update merchants of new card information where the card has expired, not where the card has been reported lost or stollen. They would not tell me if they gave the merchant my information. I mentioned that I use the service in the course of my business at my employer and that I was knowledgeable of the rules surrounding updating merchants and that they were violating the rules. I asked to speak to a supervisor. They instead took my number and have never called me back. I also complained to US Bank 's customer service portal on their website and have received no response. 

U.S. Bank is releasing XXXX data, debit card information, to merchants without the knowledge or consent of its customers.

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 2022-12-13 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:
I am in receipt of my most recent consumer reports. As per recent correspondence, I have requested for my XXXX XXXX to be updated and reflect the following information as follow : 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 All other names, addresses, ssns, employer and phone numbers does not accurately reflect me and must be removed immediately.

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 2022-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rauch-Milliken International, Inc.
State: WA

Complaint narrative:
Below is the email sen to me after I told them the business is closed and the corporation is dissolved. 


Account ID # XXXX Company Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX OR XXXX XXXX XXXX  : XXXX XXXX XXXX  BAL DUE : {$5600.00} Court Cost : {$200.00} Attorney Fees XXXX XXXX XXXX  of Principal Balance To date you have failed to pay the outstanding balance owed to our client. It will be our recommendation that all legal remedies available to recover this balance be explored. 



Our client will be made aware that with a judgment on this account, we can subpoena the debtors records which can include checking accounts and tax records. This is done to locate possible hidden or unreported profits. 



Also, after judgment has been attained and assets have been verified, we can file to seize debtors bank accounts, inventory, accounts receivable, real properties, etc. We would work with legal counsel in debtors area who can pursue this matter without delay. Legal counsel may also petition to have attorney fees added to this claim. 



To avoid further action, Please contact this office to make the necessary arrangements to pay this claim. 



You can also make arrangements to satisfy this debt in full by contacting me directly using the below listed contact information, or should you choose you can also submit payment by clicking here XXXX XXXX XXXX XXXX and referencing your Acct ID # listed in the heading of this notification. 



Best Regards, XXXX XXXX XXXX XXXX XXXX  XXXX Direct # ( XXXX ) XXXX Fax # ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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:
Notice, it is a fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction Experian, XXXX, and XXXX has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition Experian, XXXX, and XXXX has committed identity theft. This is a violation of 15 U.S. Code 1681b ( a ) ( 2 ) and information associated with 1. The inquiry was not authorized by me. 
EXPERIAN XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized by me XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized by me. 
XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized by me XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove from my credit report. 
5. The inquiry was not authorized by me XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove from my credit report. 
6. The inquiry was not authorized by me XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove from my credit report. 
7. The inquiry was not authorized by me XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove from my credit report 8. The inquiry was not authorized by me XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove from my credit report. 
9. The inquiry was not authorized by me XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove from my credit report. 
10. The inquiry was not authorized by me XXXX  Date of inquiry : XX/XX/XXXX Please remove from my credit report. 
11. This account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove from my credit report. 
12. This account is not mine XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove from my credit report. 
13. This account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove from my credit report 14. Never late on this account. 
XXXX XXXX XXXX XXXX It states that Ive been late XX/XX/XXXX and XX/XX/XXXX. 
15 U.S. CODE 1666B If the creditor fail to provide documentary evidence violates the requirements of 15 U.S.Code 1637 ( B ) ( 2 ) ( A ) and the creditor can not report late payments.

Remove items from 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 2022-12-13 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: WA

Complaint narrative:
XXXX charges were made to XXXX of my XXXX XXXX XXXXXXXX accounts totaling {$90000.00}. There was a charge of $ XXXX on XXXX account and $ XXXX on another to XXXX XXXXXXXX XXXX. I contacted XXXX XXXX XXXXXXXX to dispute the charges and was told that it was authorized. When I asked by whom they told me that they could not reveal the phone number in which they authorized the charges nor the person that they spoke with to authorize the transactions. How can my cards ( which I am the sole user ) be authorized by someone other than myself? I disputed the charges verbally with XXXX XXXX XXXXXXXX and they are now reporting charge offs on my credit report. I have a police report showing the fraud on the accounts which was given to XXXX XXXX XXXX by XXXX XXXX whom I hired to get this resolved. I thought it had been taken care of as it is not showing through credit platforms such as XXXX XXXX and also was not on another report. I recently applied for credit and was denied as a result. This has not only cost me money in trying to repair my impeccable credit history but I am personally damaged by this reporting as I was not able to obtain business financing which resulted in me losing my retail business space for my business. XXXX XXXX XXXXXXXX is fraudulently reporting this information and has not provided me with the information required by the the FCRA and has violated my rights under the FCRA.

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 2022-12-13 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: WA

Complaint narrative:
XXXX charges were made to XXXX of my XXXX  XXXX XXXX accounts totaling {$90000.00}. There was a charge of $ XXXX on XXXX account and $ XXXX on another to XXXX XXXXXXXX XXXX I contacted XXXX  XXXX XXXX to dispute the charges and was told that it was authorized. When I asked by whom they told me that they could not reveal the phone number in which they authorized the charges nor the person that they spoke with to authorize the transactions. How can my cards ( which I am the sole user ) be authorized by someone other than myself? I disputed the charges verbally with XXXX  XXXX XXXX and they are now reporting charge offs on my credit report. I have a police report showing the fraud on the accounts which was given to XXXX  XXXX XXXX by XXXX XXXX whom I hired to get this resolved. I thought it had been taken care of as it is not showing through credit platforms such as XXXX XXXX and also was not on another report. I recently applied for credit and was denied as a result. This has not only cost me money in trying to repair my impeccable credit history but I am personally damaged by this reporting as I was not able to obtain business financing which resulted in me losing my retail business space for my business. XXXX  XXXX XXXX is fraudulently reporting this information and has not provided me with the information required by the the FCRA and has violated my rights under the FCRA.

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 2022-12-13 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: NJ

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 homeless n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed 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