vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-10 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: IL

Complaint narrative:
Im accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under Section 15 USC 1681 XXXX XXXXr # XXXXXXXX XXXX # XXXX XXXX XXXXXXXX # XXXXXXXX XXXX # XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX. 

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 2022-11-10 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:
Im accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under Section 15 USC 1681 XXXX XXXX # XXXXXXXX XXXX # XXXXXXXX XXXX  XXXX # XXXXXXXX XXXX # XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX. 

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 2022-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: AZ

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
My wife used her 0 % apr and interest card to pay my {$3300.00} I owed on my Capitol One card in XXXX. Capitalone cashed the check on XX/XX/XXXX. However, they didn't take it off my card. I paid on my card until XX/XX/XXXX and they still had it pn my credit which was killing my utilization of credit so my credit score kept going down. I called and spoke with them about it and they told me they didn't get the check. My wife 's bank immediately faxed and mailed them and us a copy of the check front and back. Capital one would not freeze my account until they found the check they said. Once we and the bank sent all the proper paperwork via fax and through mail they still kept saying they didn't get it. I called them 4 times the bank sent the info so did we and they still as of XX/XX/XXXX didn't get any of this paperwork. They kept this on my credit score and it still is on my credit today even after a 3 way call between the bank that took the balance transfer over, capital one supervisor, and my wife and me. Yesterday was now the 4th separate time us and the bank have sent them the check and papers needed. They still are saying they didn't get it through mail or fax. 
To make things worse on XX/XX/XXXX they credited my account the amount of the check and my account was in the negative. So I started using it a little just to keep it around 10 % utilization. My credit got back up to XXXX then on XX/XX/XXXX they the XXXX back on my credit balance as being sue. That pushed my credit usage almost {$1000.00} over my {$3500.00} limit. So I called them again they said it's because they never got the copy of the check. So now my credit card is around {$4300.00} and my minimum payment is {$410.00} a month. Which I told them I'm not paying a dime on any of it because they are incompetent. My credit score is now at or below 500. They sabotaged my credit and my life because I needed that card to pay a lawyer for his services now I can't. They have done or reputable damages to my credit charged me thousands of dollars in interest and fines and someone needs to do something about this. They have damaged my reputation with my lawyer and others and have made me spend countless hours trying to get all the paperwork together and trying to talk to them on the phone. I can't get that lost time with my kids back. What can y'all do for me because the Attorney General is next and a lawsuit if I don't sue them anyway. Any paperwork y'all need showing proof and the other bank can vouch and give you there receipts when they faxed it. Thank you for your help and please if anyone is reading this never get involved with Capitol One. I have been a customer for almost 5 years and never missed a single payment now look how they ruining my life and credit!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-10 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:
I WILL BE SEEKING LITIGATION AND MONETARY COMPENSATION FOR VIOLATION OF RIGHTS IF THIS IS NOT CORRECTED IMMEDIATELY : See below that the consumer reporting agency is in violation of the FCRA 15 U.S. Code 6802 : The consumer reporting agency says the third party company " verifed '' the false information unlawfully as I have not given any XXXX party creditor, collector or business the authority to submit any non public information about me to the consumer reporting agency. 

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I have not given the consumer reporting agency my permission, nor the furnisher of the information below to report this information in any way, shape or form. 



See below that the consumer reporting agency is in violation of the FCRA 15 U.S. Code 6802 : 15 U.S. Code 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Furthermore, This letter serves a written notice : I formally revoke, renounce, opt out, quitclaim, and waive ANY and ALL insinuated and or direct permission to XXXX  and the following companies that are listed below, to report these following items on my report. XXXX is now aware of these revoked permissions and will now be held liable. I am requesting that the following items be deleted permanently and immediately, as via my right to exercise that nondisclosure option, as expressed in the FCRA 15 U.S. Code 6802 :

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 2022-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a XXXX and a dental supply company XXXX sells dental implants. I was about to do a contract with the rep when I changed my mind and told him not to move forward. 
His manger then ran my credit and did a hard pull, I did not authorize this pull and this should not be on my credit. This company illegally used my information against my wishes. 
I spoke to the company and they offered little recourse but a sorry. 
Thank you Any questions please reach out to me via email or phone. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/2022, I downloaded a direct deposit form from Cash app to give to my employer because I needed to change my direct deposit from going into my current account at the time because my wallet had been stolen as well as some funds from that account. I sent the direct deposit form to my employer as instructed to. My employer deposited my payroll check in the account number listed on the direct deposit form from Cash app on XX/XX/2022 in the amount of {$1500.00} However, I have not been able to access the account because I can not recall the email, phone number or cashtag for this account. I've called cash app several times in regards to this issue that I am having because I really need my paycheck. Every time I speak to a representative they just keep telling me that there is no way that they can access my account by just using an account number, only by email, phone number or cashtag. I feel as though they are not giving me correct information because there just really has to be another way to access my account. I am a XXXX veteran and I really need my money ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
I got this : Mortgage Relief Program Dear XXXX XXXX, For your application XXXX, a payment of {$66000.00} has been sent to and applied to your loan by your servicer. Thank you for applying to the California Mortgage Relief Program. 

To review your application, you can log in to the Intake Portal here : Intake Portal. If you have additional questions, you can email California Mortgage Relief Program through the Message section in the Intake Portal.

Regards, The California Mortgage Relief Program Team After I got this I thought my next payment would be XXXX. But it is XXXX. I noticed my payment went up without any explanation. I try to call but they are closed on weekends and right now I am on a XXXX minute hold during my lunch again. They close early and I can not reach them during the day. There is no email just a phone number and address. 
I am unable to speak to Caliber Home Loans

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: CA

Complaint narrative:
Hello, I am writing to inform you of the devious practices being conducted at Equifax. The three credit bureaus have collectively damaged my quality of life with inaccurate reporting on my credit report, but Equifax has causing detriment to the livelihood of my family with the current reporting on my credit report. These reportings consist of wrong addresses, duplicate inaccurate accounts and closed accounts being reported as being paid late to name a few. These reportings also have lead to me being denied credit, elevated cost due to higher interest rates and my family 's right to life, liberty and the pursuit of happiness being diminished. The business conducted with Equifax is deplorable as they have also reported these things without my knowledge or permission denying my rights to privacy and the fair debt collection act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My Macys credit card has been paid on time since I opened it 30 years ago. I had it on an auto pay schedule. Somehow the auto pay was removed and I was getting late charges and reported as 30 & 60 days late. Macys said they mailed me a letter however, I did not receive them and then my area was severely hit by hurricane XXXX. 
I spoke to Macys regarding this problem and paid the credit card off immediately. I have spoken to Macys several times over the period of two months and I was never told that the credit card was reporting late because it wasnt paid by the auto pay. I just discovered this late When I applied for a mortgage. The mortgage broker said my credit score had dropped over XXXX points. My score is currently at a XXXX and it was previously at an XXXX or XXXX. Ive never made a late payment in my life let alone a late payment on this particular card. 
I need to get this resolved ASAP as I am trying to buy a new home that closes by the middle of XXXX. 
Urgency is of the Essence. 
Macys told me today that they will send it up to their team and that they will be able to get back to be with their results within 30 days or longer. That timeline is very long and I need to try to move this along more quickly. I have been very diligent in making my payments on time for my entire life only to come to this one snag that is going to affect me being able to close on a new home. I am currently homeless due to 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 2022-11-10 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: NC

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 has violated my rights. 
Account name : XXXX # XXXX has violated my rights. 
Account name : XXXX  XXXXXXXX XXXX XXXX XXXX has violated my rights Account name : XXXX  # XXXX has violated my rights. 
Account name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  # XXXX has violated my rights Account name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX has violated my rights Account name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) # XXXX has violated my rights Account name : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) # XXXX has violated my rights Account name : XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX has violated my rights Account name : XXXX XXXX XXXX  XXXX has violated my rights Account name : XXXX XXXXXXXX XXXX XXXX  XXXX has violated my rights 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 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 2022-11-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My XXXX credit card has been paid on time since I opened it 30 years ago. I had it on an auto pay schedule. Somehow the auto pay was removed and I was getting late charges and reported as 30 & 60 days late. XXXX said they mailed me a letter however, I did not receive them and then my area was severely hit by XXXX XXXX. 
I spoke to XXXX regarding this problem and paid the credit card off immediately. I have spoken to XXXX several times over the period of two months and I was never told that the credit card was reporting late because it wasnt paid by the auto pay. I just discovered this late When I applied for a mortgage. The mortgage broker said my credit score had dropped over XXXX points. My score is currently at a XXXX and it was previously at an XXXX or XXXX. Ive never made a late payment in my life let alone a late payment on this particular card. 
I need to get this resolved ASAP as I am trying to buy a new home that closes by the middle of XXXX. 
Urgency is of the Essence. 
XXXX told me today that they will send it up to their team and that they will be able to get back to be with their results within 30 days or longer. That timeline is very long and I need to try to move this along more quickly. I have been very diligent in making my payments on time for my entire life only to come to this one snag that is going to affect me being able to close on a new home. I am currently homeless due to 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 2022-11-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My XXXX credit card has been paid on time since I opened it 30 years ago. I had it on an auto pay schedule. Somehow the auto pay was removed and I was getting late charges and reported as 30 & 60 days late. XXXX said they mailed me a letter however, I did not receive them and then my area was severely hit by XXXX XXXX. 
I spoke to XXXX regarding this problem and paid the credit card off immediately. I have spoken to XXXX several times over the period of two months and I was never told that the credit card was reporting late because it wasnt paid by the auto pay. I just discovered this late When I applied for a mortgage. The mortgage broker said my credit score had dropped over XXXX points. My score is currently at a XXXX and it was previously at an XXXX or XXXX. Ive never made a late payment in my life let alone a late payment on this particular card. 
I need to get this resolved ASAP as I am trying to buy a new home that closes by the middle of XXXX. 
Urgency is of the Essence. 
XXXX told me today that they will send it up to their team and that they will be able to get back to be with their results within 30 days or longer. That timeline is very long and I need to try to move this along more quickly. I have been very diligent in making my payments on time for my entire life only to come to this one snag that is going to affect me being able to close on a new home. I am currently homeless due to 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 2022-11-10 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: NY

Complaint narrative:
I previously submitted a report # XXXX. The complaint was that they have not updated my income. They are using {$2200.00} per month to calculate my loan to income. The correct amoiunt is {$3700.00} per month as submitted in the previous complaint. 

They responded with a completeely irelevant item that had nothing to do with the income. 

I responded to your email stating the above but never received acknowledgement. I don't know why. Thus I am submitting the dispute again. Please make sure they respond to the income problem and not some irrelevent item. Please see a copy from my checking account below. Note the SS deposits of {$1700.00} and {$2400.00} for a total of {$3700.00}. 

XX/XX/2022 Electronic Deposit XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX {$1300.00} {$8300.00} XX/XX/2022 Electronic XXXX XXXX XXXX/ XXXX - XXXX XXXX {$2400.00} {$7000.00}

Company response to consumer: Closed with explanation