vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-22 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: EQUIFAX, INC.
State: MS

Complaint narrative:
On XXXX XXXX I called Equifax in regards to a dispute I made for an account listed as XXXX XXXX. I spoke with XXXX and I have never been so humiliated. Then I requested to speak with a supervisor and the both of them gave poor service and had an attitude throughout our conversation. Dealing with these type of people your dispute will never get resolved. The initial creditor informed me they sent over legal documentation for removal of the account and Equifax said they didnt receive but I have proof the creditor sent it over several times. Equifax is opening themselves up for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: MI

Complaint narrative:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 


XXXX Account : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account : XXXX XXXX Account : 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 2022-04-22 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: MI

Complaint narrative:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 


XXXX Account : XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account : XXXX XXXX Account : 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 2022-04-22 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:
Accordance with the Fair Credit Reporting act XXXX  Account # 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 explanation
Consumer complaint received 2022-04-22 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: GA

Complaint narrative:
Accordance with the Fair Credit Reporting act XXXX  Account # 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 2022-04-22 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: MI

Complaint narrative:
this is not sent in error. I am consumer that abides by the law. My information was used without my permission. I never authorized anything and now i have accounts that are inaccurate on my credit repport

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 2022-04-22 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 Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1 ) XXXX XXXX Account # XXXX 2 ) XXXX XXXX XXXX XXXX Account # XXXX 3 ) XXXX XXXX Account Number : XXXX 4 ) XXXX  XXXX Bankruptcy Case Number : XXXX 5 ) XXXX  XXXX Bankruptcy Case Number : XXXX 6 ) XXXX  XXXX Bankruptcy Case Number : XXXX 7 ) XXXX XXXX  Account Number : XXXX 8 ) XXXX XXXX XXXX Account Number : XXXX 9 ) XXXX Account Number : XXXX 10 ) XXXX XXXX  Account Number : XXXX 11 ) SOC SEC ADMIN OFFICE O Account Number : XXXX 12 ) XXXX XXXX XXXX Account # XXXX 13 ) XXXX XXXX account # XXXX 14 ) XXXX XXXX acct # XXXX 15 ) XXXX XXXX XXXXXXXX partial account # XXXX 16 ) XXXX XXXX XXXX XXXX partial 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 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 2022-04-22 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: MI

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX 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 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 2022-04-22 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: MI

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: FL

Complaint narrative:
I have tried to fix this with US Bank 4 times now! I report the error, they remove it and put it right back on!! Last year because of Covid I was unemployed for almost 2 years. I requested and received a 6 month extension. After 6 months my employer closed permanently, so I still was not working and to prove it to US Bank that I wasnt even on unemployment I offered to send them documentation WHICH THEY REFUSED. Yet they also denied my request for an additional 6 month extension even though it was illegal to do so! I then went to a Supervisor to demand my rights for an additional extension and for the credit law be followed and even though they said they were giving me the additional extension and did not contact me for payment for the next six months THEY REPORTED OT TO MY CREDIT. This violates the law during Covid and this was documented with them! I offered them paper documentation! And now although my lease is completely paid off and they actually owe me over {$1000.00} refund they are reporting me in arrears! I WANT THIS CORRECT IMMEDIATELY! Their service is deplorable and their account keeping is even worse!! I actually think they do this on purpose because they are a substandard lender and they are taking advantage of the people they loan to. Any investigation I am eligible to have them investigated through or any legal action against them I am eligible for I would like to be notified of. This will now be the 5th time I have told US Bank that this is incorrect and the 5th time that I have filed a formal complaint and the 5th time they have ignored the law. There are literally thousands & thousands of people having the same problem with U.S. Bank on the internet!!! I would like this corrected or I would like to know my to legal action! Why are you allowing them to break the law?

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 2022-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
I was a 3 year member of USAA bank as a military spouse for my XXXX husband. I use my account for simple, basic accounting purposes including receiving my social security check and basic purchases at local food stores and shopping centers such as XXXX My card was declined for the first time on XX/XX/2021. When I called USAA 's customer support service line I was informed my savings account was closed and a check was being sent to me, my checking account was restricted to credit only and was in the process of being closed and this was due to bank manager discretion with no reason available and no available contact for the personnel responsible. I tried numerous customer support lines, none to help. I had two bills due on XX/XX/2021 that auto draft out of the checking account that were now unable to pay. I received no explanation for the sudden cancellation of my policy. This has created tremendous negative downstream effects and is subjectively discriminatory with no explanation given. I am now unable to receive my monthly social security check despite me immediately trying to resolve this issue and obtain a new checking account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
In XXXX I had been going through major financial hardships ; I had some medical issues and also divorced my abusive spouse, I had to leave my high paying career at the time for something that would allow me to care for my children and myself and therefore my income was reduced to almost nothing. I exhausted my savings trying to keep everything going and reached out to Rocket Mortgage to see if I could possibly obtain a loan modification to lower my payment at the time. Rocket informed me that I could not have a loan modification without first utilizing a forbearance. I was concerned about the forbearance and asked the representative several times about the terms, would I be able to get a modification once the forbearance was complete, and would I be forced to make a lump sum payment at the end- they were adamant that I would not have a lump sum due and that the balance of the forbearance would be spread out via a repayment plan. I agreed and made all 3 payments of {$50.00} during the forbearance period on-time,XX/XX/XXXX Once I was due to resume making my regular monthly payments, in XX/XX/XXXX, Rocket Mortgage refused to accept my payment and demanded that I pay the balance in full ... exactly what I had been worried about to begin with. I was struggling to keep food on the table and pay other bills and used the forbearance period to make ends meet, it was unreasonable to expect that I would have 4 months worth of mortgage payments- {$5000.00} ( forbearance balance of 3 months plus the current month ) available, considering I had accepted the program due to a major financial hardship!!! I would never have utilized the forbearance program had I not been lied to about this. I spoke to multiple representatives at Rocket Mortgage to get a resolution and none of them cared. They refused to accept my payments and sent me foreclosure paperwork, stating that I had been behind for over 120 days! I was appalled. Thankfully tax season was approaching and I was able to use my entire tax return to pay the amount owed, complete with an exorbitant amount of foreclosure fees, at the last second before they were set to take me to court on XX/XX/XXXX. I should NEVER have had this experience and they managed to extort an additional {$1300.00} from me in fees. Their calls are recorded, the representative lied to me, and this practice should be totally illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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 put in dispute with credit reporting agencies and one removed accounts from consumer report and others didn't and pursuant to 15 usc 1681c ( f ) it states that the credit agencies shall include the facts in each consumer report meaning that if one consumer reporting agency removed the accounts it shall be removed from other credit reporting agencies. Also I never give them purposes my written instructions to furnish these accounts pursuant to 15 usc 16881b ( a ) ( 2 ) clearly states that the consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER. If I never gave them my written instructions to furnish these accounts they never were to be on my consumer report. Referencing to 15 usc 1681n any person who willfully fails to comply with any requirement imposed with the respect to the consumer is civil liability for {$1000.00} per action. Referencing to 15 usc 1611 ( 3 ) whoever willfully and knowingly fails to comply with any requirements imposed under this subchapter shall be fined not more than {$5000.00} or imprisoned not more than one year, or both

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 2022-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: GA

Complaint narrative:
Date of Occurrence : XX/XX/XXXX Amount involved : XXXX Company involved : Discover Bank ( FDIC cert # : XXXX ) Nature of Complaint : On XX/XX/XXXX at XXXXXXXX XXXX  EST we were unable to login through our mobile banking and prompted to call Discover. When I called we were transferred to to the Fraud department. I spoke with XXXX in XXXX, AZ initially. She explained that our account had been closed due to a " Business decision '' and that we no longer had access to the funds. There was no explanation given and we were not allowed to speak to a supervisor. We were told a supervisor would call us within 24-48 hours. I asked when the funds would be released and she said after the investigation is closed, they would issue after 60-90 days. I explained to her that I am XXXX  and due in 60 days, that we are set to close on a new home in 30 ; all to her telling me there is nothing she can do. 
Over the next few hours I proceeded to call back and attempt to speak to a supervisor. I spoke with multiple representatives all who told me the same scripted message, " a business decision was made to close your account. '' After 3 hours I was transferred to XXXX in XXXX, AZ again ; she proceeded to cry and said " I want to tell you something that is happening but I could lose my job. '' That threw up a red flag for me immediately. She finally transferred me to her supervisor, XXXX ( also located in XXXX, AZ ), who proceeded to tell me the account was closed by a malfunction in the computer. However, there was nothing he could do on his end. 

On XX/XX/XXXX I spoke with XXXX in Discover 's Fraud department who told me again that the account was closed. I probed further and she finally disclosed that it was due to a check I deposited which included my middle name rather than my legal name ; therefore this was suspicious to them and it was a " Business decision '' by Discover to close the account. I asked why they didn't contact me to confirm that this was actually me, and she informed me this is not how Discover operates. I continued to ask her what we are to do without any money for the next three months and she had no resolve ; stating " it's out of my control. '' Action taken by Company : None. They have not reached out to resolve and they are locking down all funds we have for the next 90+ days without any alternative options.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: FL

Complaint narrative:
XX/XX/22 WELLS FARGO, XXXX and XXXX XXXX. 

RE : We have disputed this account.

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 2022-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: PA

Complaint narrative:
I had an appointment with XXXXXXXX XXXX XXXXXXXX XXXX in XXXX PA in XXXX of XXXX  in which I received no medical service whatsoever and was only given a questionnaire to fill out and told to return in 2 weeks. Upon return for the second appointment, I was asked for {$250.00} CASH payment up front, despite being insured, which I refused to pay and cancelled the appointment. I was not informed until the day I showed up about this request for CASH up front. Several weeks later, I received a bill for {$140.00} for the appointment in which no service was provided and I was only given a questionnaire and sent on my way. I believe this was done out of spite because I refused to pay the {$250.00} surprise cash payment, and I believe this business is guilty of shady nefarious business practices. They didnt mention anything about {$140.00} to hand me a questionnaire until I refused to give them {$250.00} in cash on the spot. In addition, I was fully insured by XXXX at the time and no attempt was made to rectify this with the insurance company on part of the doctors office. I recently started being contacted by I.C. System Inc. debt collections out of XXXX XXXX Minnesota. I called and asked them to please never contact me again and they refused, saying that they would continue to contact me over this supposed debt despite my federal rights.

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 2022-04-22 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: GA

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 XXXXXXXX XXXX XXXX XXXX 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 Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.al inalienable rights reserved.

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