vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-01 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:
I have multiple unknown inquiries on my credit report, after discovering I am a victim of identity theft, that have not been removed from my credit report. My credit report was given to multiple collection agencies of the identity theft charges without my consent. In addition the credit agencies still have a separate file under my former name of XXXX XXXX XXXX even after I legally changed it. The credit bureaus have illegally dropped my credit score XXXX points, increased it XXXX points and dropped it again for no reason. The credit bureaus are discriminating against the XXXX community by dropping points like this and making credit slow slower to increase points. This is discriminatory based on XXXX  and/or XXXXXXXX XXXX XXXX XXXX. I have been discriminated against by all three credit bureaus as a XXXX XXXX XXXXXXXX. In addition I have several positive credit accounts that were removed from my credit profiles without my consent even though they are being reported to all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Service Company, INC
State: CO

Complaint narrative:
In XXXX my debt was sold from the XXXX XXXX courts to credit service company. Credit service company tacked on money that I received a notice that I did not need to pay when I received a refund from the XXXX XXXX courts. The XXXX XXXX courts paid me a refund for overpaying credit service company and told me that I no longer owe money. Credit service company has tacked on XXXX extra dollars and I have told them to stop billing me and the XXXX XXXX courts have told them to stop billing me. They insist on billing me they told me they were going to stop billing me but they continue to XXXX me by XXXX debit. I told them to stop and they keep billing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: FL

Complaint narrative:
On XX/XX/2022, a Dispute letter was sent out to XXXX XXXX which is being furnished on my Consumer report. The address to send correspondence to XXXX as reflected on my Consumer report is XXXX XXXX XXXX XXXX, MN XXXX. My dispute was sent to this address in an attempt to have this account investigated and all reporting to cease and desist until it could be investigated, however, the mail sent to XXXX was returned " not deliverable as addressed ''. The credit reporting remains and I have disputed with credit agencies and they have verified as accurate, however the debt infact is not accurate and is the result of Fraud. Law provided that all information is furnished on my consumer report must be 100 % accurate and I, in fact, would like this debt verified and a contract to be provided that bears all party 's signatures. which has not been provided to me. 
I found a secondary address and sent a letter to XXXX in XXXX Texas in which they received my dispute and signed for it. However no response was ever received providing me with complete debt validation regarding this dispute.

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 2022-12-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: The Receivable Management Services LLC
State: FL

Complaint narrative:
I have been trying to contact you to validate this alleged debt. My information has gotten into the hands of the wrong persons and I am trying to clarify some things.

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 2022-12-01 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: 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. 

Account name : XXXXXXXX XXXX XXXX XXXXXXXX Account name : XXXX {$1300.00}, 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 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 2022-12-01 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. 

Account name : XXXX XXXX XXXX  XXXX Account name : XXXX {$1300.00}, 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 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 2022-12-01 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: 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. 

Account name : #, XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} Account name : #, XXXX XXXX  {$1500.00} Account name : #, XXXX XXXXXXXX {$590.00} Account name : #, XXXX XXXX {$4100.00} Account name : # XXXX XXXX XXXX, {$6200.00} 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 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 2022-12-01 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. 

Account name : #, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1800.00} Account name : #, XXXX BANK {$1500.00} Account name : #, XXXX XXXX {$590.00} Account name : #, XXXX XXXX {$4100.00} Account name : # XXXX XXXXXXXX XXXX, {$6200.00} 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 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 2022-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
I was selling a XXXX on XXXX XXXX and The Random person Text me like as usual is this available I said yes he said I will come in the morning and asked me do you using Zelle I said yes he asked me for my XXXX I gave it and he sent the money on my zelle but it was fake I didn't get any mails from zelle not even notifications and he called me on XXXX and he said me I sent you money please give it back my money to me he never send it and he was shouting scremming to getting his money back and he was threatening me that he will call FBI and police tomorrow and I got scared I sent the {$300.00} and After that it was scam I got to know Please XXXX help me to solve this issue. to get my money back.I have proof of everything.pictures payments mails chats of the person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 non-monetary relief
Consumer complaint received 2022-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have tried to get XXXX XXXX XXXX XXXX  removed from my credit report because it did not delete off my credit report after 10 years of last activity. This account last activity was XX/XX/XXXX, therefore the account should have been deleted as of XXXX or XX/XX/XXXX. I disputed this based on that fact and Equifax investigation stated the account payment information was updated. I contacted XXXX to about the update and was informed by representatives that no payment information had been updated as this account was closed in XXXX as paid. This account was transferred from XXXX to Department of Education loan servicer, which is currently open on my credit report. The recent CFPB investigation did not result in any changes to this closed account being deleted from my account and will only update and stay on my report for another 7 years. This is now an issue that can be held in a court of law because it is reporting when it should have been deleted. This account has been removed from the other credit bureaus XXXX and XXXX. I am requesting deletion of this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: SC

Complaint narrative:
SUMMARY : WE ARE BEING FINANCIALLY PENALIZED BY ROCKET MORTGAGE FOR ENTERING INTO A MORTGAGE FOREBEARANCE/LOAN MODIFICATION. 

My family originated a XXXX, conforming Mortgage with ROCKET MORTGAGE in XXXX of XXXX. We were current on payments and in full compliance until COVID hit and I lost my stream of income as primary earner/payer. We applied for and commenced COVID Mortgage forebearance in XX/XX/XXXX. As of XX/XX/XXXX we resumed normal payments of our Mortgage. 

Also in XX/XX/XXXX, we filed an NSURANCE CLAIM for roof damage we had sustained in a prior wind/hail event in South Carolina and were awarded a Net Claim Payment of {$28000.00} on XX/XX/XXXX. 

Upon receiving the settlement check, to which ROCKET MORTGAGE was a named party, we endorsed the check and followed ROCKET MORTGAGE 'S stated rules for an Insurance Event UNDER {$50000.00} - to wit : they receive the check and promptly pay the funds back to the Mortgage Holder to complete the repairs. 

Yesterday, XX/XX/XXXX, we spoke with a Director in ROCKET MORTGAGE Insurance Claims group ( XXXX XXXX XXXX, who informed us we would have to accept partial payments under their " monitored claims '' guidelines. She explained this was due to our participation in the COVID Mortgage Forebearance program.

Unfortunately, after understanding ROCKET MORTGAGE 'S stated, published process for sub- $ XXXX insurance claims, we had engaged a contractor and paid a {$1000.00} deposit contingent on full payment at time of scheduled service. We will lose this money as a result of ROCKET MORTGAGE 'S predatory scheme to withhold our insurance settlement. 

I have read that it was NOT CFPB 's intent that consumers be penalized in any way for participating in the COVID Mortgage Forebearance programs, but ROCKET MORTGAGE is clearly violating that spirit and intent. 

Please help! 

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, SC XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been trying to get these errors off my report but unfortunately, this company is not so responded so this time I guess need to ask assistance from consumer protection bureaus like CFPB and Atty General.

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 2022-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I opened up bank account with Bank of America in XXXX, Ma in XX/XX/2022. And deposited my checks from XXXX XXXX. Deposited {$5000.00} check plus {$1500.00} cash. After that BOA closed my account for no reason and it has been 3 months, they never give me my {$6500.00} deposit back. Each time I call, they give me a different date and different reason, seemed like on one really know why. I need to get my money back to continue my life. Im an XXXX  and my life pretty much stopped and I dont have money to make a living now because BOA took all my savings and wont give back to me. Need help please.

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 2022-12-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Lendmark Financial Services
State: LA

Complaint narrative:
Lendmark financial services denied my right to counteroffer. I did not request a counteroffer yet they stated in previous complaint XXXX they are denying my counteroffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jim Bottin Enterprises, Inc
State: NJ

Complaint narrative:
I had a XXXX XXXX  gym membership. My gym closed. I canceled my membership and it shows inactive on XXXX  website. ABC Fitness Solutions continues to contact me to collect the debt. They deducted from my credit card and I had it overturned. I called them and advised it was canceled months ago but the email me every other day

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery has been harassing me for over a year now with repeated phone calls. When I block one number, they call from a different number. 

The most recent phone call is when they called twice XX/XX/XXXX at XXXX XX/XX/XXXX from a ( XXXX ) XXXX at XXXX I would have to go back on my phone bill for the numerous calls

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I cant dispute it online, I tried calling and because my phone doesnt have the picture quality they want they wont take the old useless information off. That is keeping me from accomplishing my goal. Experian is not playing nice.

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 2022-12-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been trying to get these errors off my report but unfortunately, this company is not so responded so this time I guess need to ask assistance from consumer protection bureaus like CFPB and Atty General.

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 2022-12-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been trying to get these errors off my report but unfortunately, this company is not so responded so this time I guess need to ask assistance from consumer protection bureaus like CFPB and Atty General.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: FL

Complaint narrative:
On XX/XX/2022, I wrote to Transunion attempting to have them correct my Name on my Consumer Report as it was showing " XXXX '' as my middle name and I in fact do not have a Middle name. In my correspondence to Transunion, I provided proof of my name such as an FLORIDA DRIVER LICENSE and I porived a copy of my Electric bill. As of XX/XX/2022, my credit report continues to reflect inaccurate information such as my name as XXXX XXXX XXXX, when my name is XXXX XXXX XXXX. Transunion did receive my request which was sent by Certified mail 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 2022-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
on XX/XX/2022, i attempted to place an order with jcpenney online, an ad stated to apply without hard inquiry you can prequalify, without my consent it followed thru with the application to apply by supplying a link which i did not get to in time, i was denied credit without applying fully, my score over XXXX so i don't think i would have been denied, i only wanted to prequalify, get that result and then decide whether to apply for the credit card, i placed the order anyway using another credit card, i would like this hard inquiry removed from all three credit bureaus as i see that a hard inquiry was made by XXXX today

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