vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
On XX/XX/2022, I deposit {$10000.00} from XXXXXXXX XXXX to HSBC, then made two wire tranfers to my other two bank account. Since then, HSBC has blocked my account, refused to allow to access my accounts.

I am requesting HSBC to unlock my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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:
CFPB Write up In accordance with the Fair Credit Reporting act the following accounts have violated my rights : XXXX XXXX XXXX - account # XXXX XXXX XXXX  - account # XXXX XXXX - account # XXXX XXXX XXXX - account # XXXX XXXX - account # XXXX XXXX XXXX - account XXXX XXXX XXXX XXXX XXXX - account # 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 an 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 2022-06-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
My loan closed ( refinance in XX/XX/XXXX ) with all proper documentation and required insurances. 

Approx 2 years later it has been determined the lender did not accurately handle my escrow account. 

The amount I was required to pay each month for my mortgage did not take into account the wind insurance they required me to pay. This insurance, like the other insurances ( Home & flood ) was being paid by my escrow but the mortgage amount did not include the necessary funds to actually pay for this insurance as well. 

Due to their negligence, and dishonesty ( I believe they did this to convince me to refinance with them because they falsely portrayed a lower payment than my original loan, because it didnt have the wind insurance ) I am now required to pay $ XXXX more a month to cover the escrow shortage.

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 2022-06-14 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:
I received a copy of my credit report today and discovered an alleged hard inquiry. I do not recall authorizing this inquiry and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. 



XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2022-06-14 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act These Accounts ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX credit limit XXXX XXXX XXXX XXXXXXXX credit limit XXXX XXXX XXXXXXXX XXXX credit limit XXXX XXXX XXXX XXXX credit limiXXXX XXXX XXXX XXXX XXXX credit limit XXXX XXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXXXXXX credit limit XXXX XXXX XXXX XXXX  XXXX XXXX credit limit XXXX XXXX XXXX XXXX XXXX XXXX credit limit XXXX XXXX XXXX XXXX XXXX XXXX credit limit XXXX XXXX XXXX  credit limit XXXX have 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 In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' 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 non-monetary relief
Consumer complaint received 2022-06-14 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act These Accounts ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX US DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX credit limit XXXX XXXX XXXX XXXX credit limit XXXX XXXX XXXX XXXX  credit limit XXXX XXXX XXXX XXXX credit limit XXXX XXXX XXXX XXXX credit limit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX credit limit XXXX XXXX XXXXXXXX XXXX XXXX XXXX credit limit XXXX XXXX XXXX XXXX XXXX XXXX credit limit XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX credit limit XXXX XXXX XXXX  credit limit XXXX have 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 In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14 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: GA

Complaint narrative:
In accordance with the FRCA, Transunion Credit Reporting Agency has violated my rights by listing inquires known and unknown on my report without my written consent given to me by code 15 U.S.C 1681 section 604a section 2. Also, code 15 U.S.C 1681 section 602a states I have a right to privacy. 

XXXXXXXX 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

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 2022-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
It is over 50Days that i disputed some items on my report as reported by your reporting Agency. i still do not have a response or report of investigation.

- Incorrect name - Misleading Also Known As Name - Incorrect and Misleading Current Address - Misleading Previous Address.

All the above and many more Unverified accounts that were not investigated or deleted if it was not investigated. It is obvious that i am taken for granted and they are taking advantage of the situation and they are depriving me of my right to dispute. The report has caused me great distress and XXXX. 
According Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted 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 2022-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: ADP Inc.
State: IN

Complaint narrative:
Well this is not the first time this has happened but I have money on my wisely payroll card formally global Cash card. I'm trying to transfer my funds to another account my XXXX  banking account. Now they are both pretty much the same in regards to being a prepaid card but they claim that they're accepted everywhere and easy to use. However I can't transfer my own money from one of my own accounts to another account of mine because it's a prepaid card even though the other account is also a prepaid card it doesn't make sense. They can never make it easy for you to access your money if for say like right now I have my debit card but I left it at a friend 's house and I can't get it right now, so I'm trying to use it via mobile app and of course they won't verify my XXXX code so I tried to pay myself and they won't pay a prepaid card! It's ridiculous. They advertised how it's just like any other XXXX logo card but that's not true I've had many of difficult times with them because of things like this. I don't think you should advertise it as a credit card accepted everywhere to be used as a credit card anyway when it's not that's false advertisement. Besides that they also make it very difficult to file a complaint as far as a fraudulent charge they make any funds on your card immediately unavailable until the issue is resolved which takes weeks sometimes months. I wasn't prepared for that and it caused me a lot of XXXX  and XXXX because I was completely broke until it was resolved. Why should the money on my card be frozen until they make a decision about a transaction? I don't see how that's their right

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stein Law, P.C.
State: CO

Complaint narrative:
Received a letter about a court hearing. Call the leagel office listed to find out what it was about. 
They said I took out a loan in XXXXXXXX XXXX  XXXX with XXXX XXXX on line. 
My identity has been stolen after a breech of the 3 credit reporting agencies. 
I had credit cards taken out in my name, apparently this loan, several of my bank accounts were also hacked into along with my social security and my unemployment claim. 
I did NOT take this loan out. I was separated from my husband and the divorce was final XX/XX/XXXX. 
It may even be possible that he took out the loan in my name... I honestly don't know. 
I sold my house in XX/XX/XXXX to pay off my bills that I owed. 
I am at a loss as to what to do! 
I had been XXXX since the sale of my home... no money to my name... until XXXX XXXX XXXX when I was able to get a Section 8 housing voucher. 
I have nothing in my name and lost everything I had. XXXX XXXX Sheriff 's Department in XXXX investigated the identity theft and found that a ring in XXXX had stolen my identity. Nothing could be done about it. 
I checked with legal services and was advised not to file bankruptcy because I had nothing for anyone to come after me for payment of things that were not mine.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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 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 2022-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
SCIL , Inc CORPORATION SERVICE COMPANY XXXX XXXX XXXX XXXX. XXXX, KS XXXX XXXX To : The XXXX XXXX XXXX XXXX forSCIL, Inc From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority torepresentthat you andSCIL, Inc.areauthorized to administrate ( acting trustee ) on theXXXX XXXX XXXX, together with a certified copies of signatures contract betweenyou andXXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passingXXXX XXXXXXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon theXXXX XXXX XXXX, Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.Also you have committed the following FDCPA Violations : 806.Harassment and abuse 807.False or misleading representations 808.Unfair practices 809.Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to theConsumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation forMonetary damages.Also be advised any medical records shared without my consent is a violation of my privacy and HIPPA.

Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! 

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: TX

Complaint narrative:
XXXX, Has Fail To Remove An Fraudulently Reporting Account ( XXXX XXXX XXXX 
FTC Report Was Provided, XXXX Stated Report + Police Report Was Misrepresented. 
Contact Creditor To Advise Of Fraud Account And They Stated To Contact Credit Bureau. 

XXXX, Has Also Fail To Update Report For Fraudulently Reporting Account ( XXXX XXXX  ) As Of XXXX But Fraud Team Stated Request Was Update For Removal Last XX/XX/2022. 

XXXX, Transunion, XXXX Has ALL Fail To Report Accuracies Of XXXX XXXX XXXX. 
XXXX, Transunion Reporting 30 Day Marking XXXX XXXX  - Payment Status Shows Payment Made Deferment/Extension Was Granted On Account Prior ; Supposedly 2 Extension That Cover Prior Month, So Payment Was Applied In Due Time. After Dispute + Documentation Was Provided. 

XXXX, Has Fail To Update Creditor ( XXXX XXXX  ) Account Reporting After Dispute XXXX XXXX, Deleted XX/XX/2022, Added XX/XX/2022. XXXX Pmt Is NOT Due To Report Past Due Yet. Possible System Auto Error.

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 2022-06-14 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: TX

Complaint narrative:
XXXX, Has Fail To Remove An Fraudulently Reporting Account ( XXXX XXXX ). 
FTC Report Was Provided, XXXX Stated Report + Police Report Was Misrepresented. 
Contact Creditor To Advise Of Fraud Account And They Stated To Contact Credit Bureau. 

Equifax, Has Also Fail To Update Report For Fraudulently Reporting Account ( XXXX XXXX ) As Of XXXX But Fraud Team Stated Request Was Update For Removal Last XX/XX/2022. 

Equifax, XXXX, XXXX Has ALL Fail To Report Accuracies Of XXXX XXXX XXXX. 
Equifax, XXXX Reporting 30 Day Marking XXXX XXXX  - Payment Status Shows Payment Made Deferment/Extension Was Granted On Account Prior ; Supposedly 2 Extension That Cover Prior Month, So Payment Was Applied In Due Time. After Dispute + Documentation Was Provided. 

XXXX, Has Fail To Update Creditor ( XXXX XXXX  ) Account Reporting After Dispute XXXX XXXX, Deleted XX/XX/2022, Added XX/XX/2022. XXXX XXXX Is NOT Due To Report Past Due Yet. Possible System Auto Error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX, XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX Acct XXXX XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX  ( XXXXXXXX XXXX XXXXXXXX ) Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX, XXXX XXXX XXXX Accts # XXXX and # XXXX, XXXX XXXX XXXXXXXX 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 an 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 2022-06-14 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: CA

Complaint narrative:
Irs verification came in theee months ago and I havent been able to use my card but credit card company is taking money from me every month

Company response to consumer: Closed with non-monetary relief