vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
On XX/XX/2023, I submitted a request to Mr Cooper to approve a sublet of my Co-Op XXXX XXXX of which Mr Cooper currently holds the mortgage ). I was told to email the request to XXXX. It took XXXX phone calls to customer service to find out I needed to provide several documents with the request. Mr Cooper has no information on their website regarding this type of request. I provided the documents on XX/XX/XXXX. 

On XX/XX/XXXX, more documents were required by the Research team, of which I provided on XX/XX/XXXX. It has been 31 days since my request for a simple letter of approval to sublet, and, I still do not have a resolution. I am in daily contact with their Customer Service department, as they do not have a phone number for the " Research Team. '' It's clear to me that their Customer Service department has no access or visibility on my request and their only update to me is that " the request is in process. '' An approval to sublet is a time-sensitive request, and should be treated as such by the mortgage lender. In this day and age of technology, I see no reason why a request from a mortgage holder in excellent standing should take more than 15 days. Additionally, Mr Cooper does not provide any transparency to the consumer on the process ( required documentation, timeline, expectations ). It's been 31 days and counting, and I still do not have a resolution from Mr Cooper on my request. 

Mr Cooper XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: FL

Complaint narrative:
In 15 U S code 1681b States : permissible purposes of consumer XXXX Inquires have no permissible purpose being on my credit report. 

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 2023-06-15 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: FL

Complaint narrative:
In 15 U S code 1681b States : permissible purposes of consumer Hard Inquires have no permissible purpose being on my credit report. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: NY

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX  3 LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$2500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Payment summary 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 PAYMENT HISTORY LEGEND Status Paid, Closed. 
Status updated XXXX XXXX Original balance {$2500.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 120 Months Company sold - Original creditor - Comments- Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Phone number ( XXXX ) XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed 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 2023-06-15 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX 3 LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$2500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Payment summary 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 - PAYMENT HISTORY LEGEND Status Paid, Closed. 
Status updated XXXX XXXX Original balance {$2500.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 120 Months Company sold - Original creditor - Comments- Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Phone number ( XXXX ) XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: AL

Complaint narrative:
Square inc checking account is currently randomly holding my funds due to a random security check. Ive uploaded all requested documents and Im still unable access my money. I was not advised of this before depositing the money and am being offered no assistance in getting it resolved. I have had all requests to escalate denied and have had no insight as to when my funds will be available or if they can even refund the deposit. This is theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I originally reported the charges as fraud within 60 days in XXXX. After careful review I discovered more charges and reported them separately with a total of three disputes against the single merchant. Originally there were a bunch of duplicate transactions which I reported as such. There were many duplicate charges on the same days of {$500.00} totaling around {$27000.00}. Total charges by the merchant over several months was {$49000.00}. 

Bank of America than denied one of the claims without the merchants response. The charges related to that claim were than re-disputed. The other claims were merged together by the bank since the charges are all from the same merchant according to the bank.

The merchant responded to one of the claims with information and addresses that didnt match my information in anyway. I explained this in my response to the bank to escalate the dispute in response to the merchant. As I explained repeatedly to the bank representatives, this account and the charges disputed arent mine. The merchant has failed to prove in anyway the charges are mine but the bank still denied the claim. 

According to regulations and federal law governing these transactions, my claim based on these circumstances is valid and therefore should be approved. Bank of America after taking at more than 30 days to decide on the claim, despite my quick response by certified mail and fax, denied the claim. I was told it could be a variety of reasons by phone even though I addressed all of them in my response. The denial of the claim was on or around XX/XX/XXXX. The claim ( XXXX ) have been pending since XXXX. 

The banks accusations that I know the person who placed the charges are untrue and can never be proven. Its a total fabrication on the banks part and will be challenged fully based on the law. 

I had to call to find out the status of my claim. its been about XXXX weeks since the claim was denied. The bank has failed to send mail regarding any of my disputes over the past month which also includes information on other disputes not related to this claim. XXXX mostly sure their failure to send me correspondence on my claims is also a violation of regulations. I cant view the claims online despite being told otherwise.

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 2023-06-15 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 — Problem with personal statement of dispute
Company: DISCOVER BANK
State: TX

Complaint narrative:
The complaint is about the credit scoring matrix of XXXX. I am always penalized egregiously by this credit agency for minor problems with my credit reports. For instance, just recently ( XX/XX/2023 ) my credit score was reduced from XXXX to XXXX due to XXXX late report of payment by my Discover card. This report was incorrect because I had worked out a payment plan with Discover to bring this one missed payment to immediate resolution. This XXXX incident caused my credit report to drop XXXX points! This reduction is outrageous and clearly beyond the scope of this agency 's role according to the rule of law that governs this scoring matrix. Please check this agency 's treatment of my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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. 

XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  ) XXXX XX/XX/XXXX {$1900.00} XXXX XXXX  XXXX XX/XX/XXXX {$2100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$12000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$270.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$3000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$550.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$560.00} 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16 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: CarMax, Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX XXXX CarMax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Carmax & account # XXXX ), has violated several of my rights. 
16 U.S.C 1681 section 602 A. Clearly states that I havo the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a crodit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account Immedlately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
My ex ( XXXX XXXX ) stole my information and opened a checking account with Bank of America without my permission.

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 2023-06-15 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: TN

Complaint narrative:
To Whom This May Concern XXXX  XXXX bankruptcy was on my credit report and XXXX XXXXXXXX bankruptcy did not release this information to the credit bureaus remove this off my report by law under the Fair Credit Report they are violating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 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: TN

Complaint narrative:
To Whom This May Concern XXXX  XXXX bankruptcy was on my credit report and XXXX  XXXX bankruptcy did not release this information to the credit bureaus remove this off my report by law under the Fair Credit Report they are violating.

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 2023-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Continental Finance Company, LLC
State: GA

Complaint narrative:
On XXXX I received my new card in the mail which needed to be activated. However, I changed my phone number in the interim of receiving the new credit card. I called the company to update my number so that I could activate my card and was advised that I could not activate my card unless it is with the number I put on application. This was after they did their security questions regarding my ss # card # and billing zip code. They told me I needed to send a copy of my cell phone bill to show the number change. I advised them I am not the bill holder of the mobile account but could send them proof via the XXXX app that it was my new number and has my name associated with just that number and was still told no. 

The representative did not give me any other option to use to help validate I was the correct person after I passed all the security questions. This is not good customer service as to how to activate a new card that has my name on it my address and I provided my social security number and everything they asked for. You ran my credit, approved me but now I cant activate the card because they refuse to update my contact information.

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 2023-06-15 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: TX

Complaint narrative:
I sent letters to XXXX, TransUnion, and XXXX during the first part of XXXX to investigate negative information on my credit reports that is not actuate, has been over 30days and the credit companies are not complying with their own policies in a timely manner.

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 2023-06-15 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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. 

XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXX {$540.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXX {$1800.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$620.00} XXXX5 USC 1681 Section 602 A- States I have the right to privacy. 

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 2023-06-15 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: FL

Complaint narrative:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX Balance Owed : {$28000.00}.

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 2023-06-15 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: FL

Complaint narrative:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX Balance Owed : {$28000.00}.

Company response to consumer: Closed with non-monetary relief