vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-10 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: TN

Complaint narrative:
XXXX XXXX XXXX CONTINUES TO HARASS XXXX XXXX WITH NUMEROUS OF PHONE CALLS THROUGHOUT THE DAY ESPECIALLY WHILE WORKING AND SPENDING TIME WITH MY FAMILY. I HAVE REPEATEDLY STATED TO CEASE AND DESIST ALL CALLS AND TO SEND ME A LETTER IN THE MAIL BECAUSE I HAVE NEVER DID ANY BUSINESS WITH XXXX XXXX XXXX. I RECEIVED A LETTER IN THE MAIL STATING THAT XXXX  XXXX XXXX BOUGHT THE DEBT FROM XXXX  AND IS REQUESTING PAYMENT. I SENT A DEBT VALIDATION LETTER TO XXXX XXXX. XXXX XXXX SENT BACK A FALSE AND MISLEADING STATEMENT FROM XXXX. XXXX XXXX WENT TO CHECK HER CONSUMER REPORT AND NOTICED THAT XXXX XXXX XXXX ATTACHED TWO COLLECTIONS ON MY REPORT. THE OTHER COLLECTION FROM XXXX XXXX WAS FROM SOME BANK I NEVER HEARD OF BY THE NAME OF XXXX XXXX XXXX XXXX. XXXX XXXX AND BOTH CONSUMER REPORTING AGENCIES HAVE VIOLATED MY CONUSMER RIGHTS UNDER THE FDCPA. XXXX XXXX AND XXXX XXXX XXXX IS STILL IN DISPUTE OVER THE ALLEGED DEBT BUT YET THEY ALREADY DISPLAYING FRAUDLENT BEHAVIOR BY PLACING THE ALLEGED ACCOUNT IN COLLECTIONS. XXXX XXXX NEVER DID ANY BUSINESS WITH XXXX XXXX, SO XXXX XXXX SHOULD NOT HAVE ANY OF MY PRIVATE INFORMATION WHICH IS ANOTHER VIOLATION OF MY CONSUMER RIGHTS!!! TRANSUNION OR XXXX NEVER VERIFIED THE INFORMATION BUT INSTEAD PLACED IT ON MY CONSUMER REPORT WHICH IS YET ANOTHER VIOLATION OF THE FDCPA.

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 2023-01-10 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: EQUIFAX, INC.
State: IL

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. 

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 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 an 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 2023-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
2 XXXX  transaction on XX/XX/22 for {$300.00} each for fraud of product. Bank of america sent me text message for fraud alert after asking if it was fraud. I told them it was fraud and they still sent the money. Asked bank for refund and they didn't give me back the refund. Told me to talk to XXXX, went to talk to XXXX as well and they told me I need to talk to bank of america. Still won't give money back.

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 2023-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I contacted TransUnion about the following inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXy : XX/XX/XXXX ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2023-01-10 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: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX 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

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 2023-01-10 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:
In accordance with the fair credit reporting act XXXX XXXX XXXX account # 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

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 2023-01-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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 — Investigation took more than 30 days
Company: CORELOGIC INC
State: TX

Complaint narrative:
Sent out a removal from this company it's been 30 plus days and it's still reporting on my credit.

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 2023-01-10 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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Sent out a removal from this company it's been 30 plus days and it's still reporting on my credit.

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 2023-01-10 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: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXXXXXX XXXX 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

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 2023-01-10 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:
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 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  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 an 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 2023-01-10 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX Collection agency Name XXXX XXXX XXXXXXXX XXXX XXXX XXXX  address XXXX XXXX XXXX XXXX, NJ XXXX Account name XXXX XXXX  Account number XXXX Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXXXXXX XXXX, SC XXXX XXXX whom this may concern, Your company said I allegedly owe you money I will " PAY '' under one condition if you can provide 1. Validation of the debt-that is, the actual accounting 2. Verification of a signed Invoice.

3. A copy of the Contract binding both parties ( you and them ), in a letter by " certified mail ' so that there is an independent " witness to it having been delivered. '' Kind Regards

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 2023-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I have noticed that my bank deletes transactions to make it appear that I have more money to spend than I actually do. I have caught this on numerous occasions and would like to know why it is you guys do this??? If I wasnt constantly checking my account I would probably think I have extra money and spend it, which could possibly send me into the negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I refinanced my mortgage in XX/XX/2022. My closing was delayed due to confirming insurance. Anyway I closed on the refi. I have just been notified that Rocket Mortgage never paid the insurance even though I was told that my escrow would pay the insurance due. Now my insurance premium increased due to a lap in coverage. I was not notified until the insurance was canceled and I feel like this whole process is very confusing to consumers who are being told that they do not need to worry about paying insurance or taxes since they are paying into an escrow.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
revvi/mrvbanks/vt ran my credit without my permission I advised them i am a victim of identity theft this been pass 30 days and it is still on my credit report. 

XXXX XXXX XXXXXXXX ran my credit without my permission this is my 3rd time disputing the information and it is still on my credit report. 

XXXX ran my credit report without my permission and i spoke with them about it and they advised me that it will be removed this been pass 30 days

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 2023-01-10 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:
In accordance with the fair credit reporting act XXXX XXXX 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

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 2023-01-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: GA

Complaint narrative:
American First Finance continued to charge me for items that I did not receive. When I asked them to update the contract, I was told that they weren't able to do so, but that my balance should reflect the correct amount. Months passed and they continued to withdraw money out of my bank account without the balance changing. When I called to speak with customer service, I was advised that they could not speak with me unless I provided my full social security number since they couldn't validate my address. In addition to this being against my consumer rights, they advised that my address had been changed by someone inside of the store when I had not stepped foot a store. When I continued to ask them who changed it and what store they changed it at, I was told that they couldn't tell me because I couldn't validate the account and would not speak with me about the account unless I provided my full XXXX social security number. The only purchase from them was XXXX queen sized mattress sets. The contract that they continued to honor shows a dining room set that was never delivered and should have been taken off of my contract. They never did. I was severely overcharged for the items purchased from them. I haven't been successful in speaking with them due to my refusal to provide a XXXX social security number ( again, a violation of my rights ). They have now begun reporting false information on my credit profile. This has to stop!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MA

Complaint narrative:
On Friday XX/XX/XXXX at XXXX pm {$660.00} was withdrawn from my cashapp account. I woke up the next morning to find out the money was missing on my account. And was sent to another cashapp that is not mine. I did not authorize this transaction so I contacted cashapp support on the app, they said they would get back to me in a few hours and never did. I then tried to call and they keep saying they cant verify the information on my account. When I try to ask why they just hung up in my face. I feel so hopeless I work hard for my money. I cant believe they would play with my money like that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX RAN MY CREDIT WITHOUT MY PERMISSION I SPOKE WITH THEM PASS 30 DAYS AND THEY ADVISED ME IT WILL BE REMOVED IT'S NOW STILL ON MY CREDIT REPORT. 

XXXX XXXX BANK IS REPORTING ON MY CREDIT REPORT SEVERAL TIMES WHICH I SPOKE TO THEM AND SENT IN A DISPUTE LETTER AND IT'S STILL REPORTING ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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:
In accordance with the fair credit reporting act XXXX XXXX account # 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

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 2023-01-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX 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

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 2023-01-10 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: FL

Complaint narrative:
On XX/XX/XXXX I contacted Experian about the following inquiries XXXX XXXX XXXX ( Inquiry on XXXX XXXX XXXX ), XXXX XXXX OF XXXX XXXX XXXX on XXXX XXXX XXXX ), XXXX XXXX  XXXX ( Date of inquiry : XX/XX/XXXX ), XXXX XXXX ( Date of inquiry : XX/XX/XXXX ), XXXX XXXX XXXX XXXX  ( XXXX of inquiry : XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX ), XXXX XXXX XXXX ( Date of XXXX : XX/XX/XXXX ). Its been over 45 days and Experian havent respond to my request as they are required to by the XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Associated Credit Services, Inc.
State: OH

Complaint narrative:
Hello, I recently had a utilities bill for the amount of XXXX that was sent to collections with Associated Credit Services which I have now paid on XX/XX/2023. Unfortunately, I never received written communication from Associated Credit Services regarding this bill at my address. Under the Fair Debt Collection Practices Act, agencies are required to provide written notification within 5 days of trying to contact individuals regarding unpaid debt. Because I never received written communication, I am requesting that this paid debt be removed from my credit report. 

If your company can provide proof that written communication was provided, please let me know. Otherwise I would like a goodwill deletion as written communication was not provided. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: MD

Complaint narrative:
Equifax is reporting unauthorized inquiries on my consumer report! I have called multiple times and disputed items. I do not own none of these items and I am a victim to identity theft. the unauthorized accounts are XXXX XX/XX/XXXX and XXXX Bank XX/XX/XXXX.

Company response to consumer: Closed with explanation