vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-11 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: CA

Complaint narrative:
Name : XXXX XXXX XXXX XXXX. 
Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX XXXX. XXXX XXXX, Georgia XXXX SSN : XXXX Complaint : In accordance to 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 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 XXXXt 15 U.S.C 1681 section 602 A. States U 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 2023-01-11 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:
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 Complaint : In accordance to 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 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 15 U.S.C 1681 section 602 A. States U 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 2023-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have tried to fix this issue with each credit bureau, Transunion, XXXX and XXXX for sometime now. I disputed these fraudulent inquiries from my reports and have even sent them an FTC as they each requested listing the inaccurate information and they are refusing to remove the inquiries. It is illegal for them to report inaccurate information on a consumers reports and I am demanding that they delete all of the fraudulent inquiries from my credit report. I have also attached my FTC below.

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 2023-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX and XXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXX, and XXXX  Acct # 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 I have late payments due but I continuously get multiple calls per day and messages left on my voice mails daily. I am constantly being harassed daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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:
This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 

XXXX XXXX XXXX XXXX Opened : XXXX XXXX, XXXX  Amount : {$27000.00} XXXX XXXX XXXX XXXX Opened : XXXX XXXX, XXXX  Amount : {$54000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PRIMARY RESIDENTIAL MORTGAGE
State: NC

Complaint narrative:
I reached out to my mortgage company approximately XXXX months before my XXXX year anniversary of our homes mortgage which was XXXX of XXXX. I was told I could send an email to remove my mortgage insurance if we qualified once I hit the XXXX year mark with our mortgage as long as our loan to value was at least XXXX percent. I may need an appraisal which was out of pocket but I would receive a notice if this was the case. XXXX months go by and I call my mortgage company and I am told they are reviewing my email. It takes XXXX closer to XXXX months for someone to send me a template saying this is what you need to send us via email. It is XX/XX/XXXX when we receive this template which I promptly email back to them on XX/XX/XXXX to which I receive a generic email saying the process could take XXXX days. On XX/XX/XXXX I send an email voicing my concerns on how long this is all taking and that I would be filing a complaint. The last week of XXXX I call because I do not receive an email response and I am told I need to pay to have an evaluation done on my home. I provide my savings account number to the representative ( they still used the wrong bank account ) on XX/XX/XXXX I am contacted by XXXX XXXX from XXXX XXXX XXXX and Monday XX/XX/XXXX she comes by for an evaluation. I get a phone call a few days later from XXXX ( XXXX I believe was her name ) asking if I have sent my mortgage payment. I let them know I pay biweekly and the payment should be there by the following Monday. She let me know my home qualified to remove the insurance but she needed to wait until the payment posted to my account. XXXX payment still included the Insurance, I just saw XXXX statement and it still includes the mortgage insurance. This company dragging its feet has cost us a little over {$1000.00}. Not sure what is going on here but its definitely deceptive at best and negligent at minimum

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Brightfunders, LLC
State: MN

Complaint narrative:
I went through the loss mitigation process due to XXXX XXXX and XXXX. During this process, I did not miss ANY payments and as far I think the law says, when I'm going through loss mitigation process, my credit report can not be negatively impacted. As soon as I completed the paperwork for finalization of the loan modification, the mortgage servicing company switched to another company ( Lower ). Lower has me showing lates on the credit report AGAIN. I reached out to them to fix it a week or so ago and they did within just a few hours and I had perfect pay history again on XXXX XXXX I just now checked again and they have me 120 days late for the three months of the TRIAL PAYMENTS that I HAD to make in order to get my final loan modification. This has severely impacted my credit score and has led to me being denied a car loan so my family and I can have a safe vehicle. I want this fixed immediately PLEASE!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
To Whom It May Concern : On XX/XX/XXXX I submitted a request for PMI removal on my home with my loan servicer at the time XXXX XXXX XXXX XXXX XXXX XXXX  ) after my submission I was informed that the my servicer was going to be changed. I called XXXX immediately upon receiving the letter, and was told that there would be no problem and to proceed as they had cashed my check for the broker price opinion to prove the loan to value ration was below the required threshold. The PMI was finally canceled on XX/XX/XXXX. However, the servicer had taken a payment for PMI and sent it to the PMI insurer on XX/XX/XXXX. This created a shortfall in my escrow account that I will now have to pay because my unused premium has not been returned to me as of XX/XX/XXXX. I spoke with XXXX on XXXX and was told it would take an additional XXXX days to get me my refund. It is my understanding that under the XXXX XXXX XXXX of XXXX they are required to provide my unused premiums back to me within XXXX days of cancellation of the PMI with a XXXX of XXXX days. This has not happened as well I am paying for XXXX and XXXX because of the delay in processing my request. XXXX has said several times that they were backed up but that is not my problem and I am out XXXX dollars for their delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 non-monetary relief
Consumer complaint received 2023-01-11 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: TX

Complaint narrative:
I have tried to fix this issue with each credit bureau, XXXX, XXXX and Equifax for sometime now. I disputed these fraudulent inquiries from my reports and have even sent them an FTC as they each requested listing the inaccurate information and they are refusing to remove the inquiries. It is illegal for them to report inaccurate information on a consumers reports and I am demanding that they delete all of the fraudulent inquiries from my credit report. I have also attached my FTC below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have tried to fix this issue with each credit bureau, XXXX, Experian and XXXX for sometime now. I disputed these fraudulent inquiries from my reports and have even sent them an FTC as they each requested listing the inaccurate information and they are refusing to remove the inquiries. It is illegal for them to report inaccurate information on a consumers reports and I am demanding that they delete all of the fraudulent inquiries from my credit report. I have also attached my FTC below.

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 2023-01-11 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: TN

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 2023-01-11 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: CA

Complaint narrative:
I wrote to XXXX, XXXX and TransUnion requesting an investigation of the following inaccurate accounts reporting on my credit report XXXX days ago. The credit bureau claim that they completed a reasonable investigation with the furnisher of the accounts and verified XXXX XXXX that the accounts listed below are accurate. However, the accounts are continuing to report errors on my credit profile, which is causing damage to my credit score Account numbers XXXX & XXXX financing 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 2023-01-11 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 wrote to Equifax, XXXX and XXXX requesting an investigation of the following inaccurate accounts reporting on my credit report XXXX days ago. The credit bureau claim that they completed a reasonable investigation with the furnisher of the accounts and verified XXXX XXXX that the accounts listed below are accurate. However, the accounts are continuing to report errors on my credit profile, which is causing damage to my credit score Account numbers XXXX & XXXX financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
Ive been dealing with XXXX XXXX XXXX, identity abuse and abuse towards my credit report from XXXXXXXX XXXX XXXXXXXX XXXX 
As of, XX/XX/XXXX, Ive been going back and forth with the company via emails ( XXXX, XXXX ) and phone calls on several occasions : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX regarding my security deposit ( {$1100.00} ), in which has not been returned to date. I became a victim of XXXX  XXXX on XX/XX/XXXX and within XXXX XXXX  I was asked to vacate my dwelling due to the XXXX. Ive filed reports with XXXX  on XX/XX/XXXX on this matter, and the XXXX XXXX XXXX  on XX/XX/XXXX. The Property Manager XXXX responded to XXXX  on 3 different occasions and never stated a balance was owed ( which is false ), she advised the XXXX  that I couldnt receive my security deposit because the lease wasnt met ( my 1 year lease was met as of XX/XX/XXXX and I never signed a new one ). Then all of a sudden I get a Letter dated XX/XX/XXXX stating a debt is owed ( {$1200.00} ) to the apartments and threatening that my credit will be damaged. This Business has caused a great amount of stress in me and my children lives and still damaging my name by reporting inaccurate information on my report. The Attorney General has yet to follow up and Ive sent them follow up emails on XX/XX/XXXX and XX/XX/XXXX. I have all necessary documents and all will be attached below. Not once did the Business state a debt was owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Macy 's is inaccurately and negligently reporting late payments on my consumer credit report for XX/XX/2017 and XX/XX/2017 which is impacting my ability to secure housing. I have written letters to the XXXX XXXX XXXX and XXXX for the XXXX XXXX XXXX to no avail. Macy 's is in violation of the Fair Credit Reporting Act. In addition to several other code laws Macy 's is violating, they are primarily violating my rights under the Fair Credit Reporting Act 15 USC 1681a ( 2 ) ( A ) ( i ) which references that a consumer report does not allow the creditor to report information as to transactions or experiences between the consumer and the person making the report. Therefore they are in violation of this code law by disclosing to the credit reporting agencies that I, the consumer, was supposedly late on payments.

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 2023-01-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
Myself and my wife both retired seniors XXXX  XXXX 's are victims of fraud. Unauthorize withdrawals were made from our checking account at the XXXX XXXX Federal Credit Union ( XXXX ), XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. All transaction codes used against our checking account were identified as " External Withdrawal/XXXX GS '' ( GS in banking terms is Goldman Sachs ) . We do NOT have an XXXX/GS account. During the period XX/XX/2022 to XX/XX/2022 a total of XXXX transactions totaling {$9200.00} were made incrementally beginning in XX/XX/2022. The XXXX was notified on XX/XX/2022 and took immediate action to investigate these unauthorized withdrawals. A police report with the XXXX XXXX, Police Department, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX was filed on XX/XX/2022. On or about that date my wife called XXXX and Goldman SachsXXXX XXXX XXXXXXXX, XXXX and apprised them of the problem. XXXX provided no support, while a supervisor at Goldman Sachs said she would look into it. Note that we have XXXX products but do not have an XXXX/S account. To date the XXXX has reimbursed us for the months of XXXX and XXXX and has identified a potential suspect of this fraud. To date we do not know how a stranger got approval to make withdrawals from our checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: NC

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: Self Financial Inc.
State: PA

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights. 
Under 15 U.S code 1681s-2 section 602 states I have the right to privacy. Under 15 U.S. code 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S code 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation