vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-18 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:
Upon reviewing my reports, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$85.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: FL

Complaint narrative:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific account in my document coming about because of the wrongdoing. The account I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX : {$460.00}

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 2022-08-18 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: FL

Complaint narrative:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific account in my document coming about because of the wrongdoing. The account I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX : {$460.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
bank of america is refusing to acknowledge my authorized third party and refusing to provide me with the documents requested in the information request and refusing to fix the errors mentioned in the notice of errors. bank of america is charging more on the payoff than the final judgment.

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 2022-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
I have tried to remove a debt that wasnt signed for with Jefferson capital systems in the amount of {$660.00}. I have asked for my wet signature and they only return with verified debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: GA

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XX/XX/2021 GA XXXX XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX XXXXXXXX # XXXXXXXX XXXX XXXXXXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX have violated my right

s. 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 States : A consumer reporting agency can not furnish an account without my written instructions. I never gave my written consent for the furnishing of any of these accounts. My associates and I will pursue {$1000.00} per violation if the accounts are not 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 2022-08-18 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 States : A consumer reporting agency can not furnish an account without my written instructions.

I never gave my written consent for the furnishing of any of these accounts.

My associates and I will pursue {$1000.00} per violation if the accounts are not deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SUNRISE CREDIT SERVICES, INC
State: VA

Complaint narrative:
I have disputed the incorrect information on my reports and they're coming back with the same information just updated but no explanations of when and where proof of the account to open them information about it nothing is being described to me I'm completely at a loss

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 2022-08-18 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: MD

Complaint narrative:
Contacted each credit bureau because of false reporting lack of investigation an credit dropping significantly causing denial an confusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Peter Roberts & Associates, Inc.
State: GA

Complaint narrative:
Peter Roberts & Assoc. 
XXXX XXXX XXXX XXXX XXXX, MA XXXX RE : XXXX XXXX XXXX XXXX  The creditor is collecting debt fraudulently! I opened my XXXX credit report to see the creditor is collecting debt from car Insurance ( XXXX XXXX ) He as sold this falsified information, or he is a XXXX I don't have health insurance under XXXX XXXX and I never had health insurance under XXXX XXXX. 

I've called his business twice, I left a message. The company never answers the phone. I have left messages and a phone number to call me back and no response. This information isn't on my health insurance or the health facility where I was seen. I've asked for this information to be mailed to me in a voice mail left at his office. I've called the clinic ( XXXXXXXX XXXX XXXX XXXXXXXX. ) they don ; t have a record of the service and neither does my insurance. 

Please remove this burden from my credit bureau file. 

Thank you, in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: OK

Complaint narrative:
I did a refinance on a rental property with XXXX XXXX XXXXt. All went smooth and it was the 2nd one I had done with them I guess they select Fay servicing to handle the servicing of the mortgage. This was fine. I recently went back on tour  and Haven't been home since XXXX. I dont get to check my mail because im never home and I set everything on autopay. Well randomly Fay servicing just decided they didn't think I have insurance on my rental property. They sent a letter saying we had 15 days to provide proof. However by the time we received it and my wife opened it and sent me a picture it was already day 15. Well I called their customer service and they said to just upload my insurance info and it'd be no issue. So I uploaded it to their website on XX/XX/XXXX. I then also sent it in a email to their insurance verification email for a backup. 
I received no response from the business so I thought all was well as my XXXX XXXX rep had provided me with documentation showing how I had alway kept insurance and this shouldn't be a issue. Well out of nowhere today we received mail from Fay servicing Showing they bought a {$2100.00} insurance policy for the property as they say we didn't upload any proof to them. They have since deducted the escrow account. They say in their letter if we have proof to just upload it but we did do that and all their website says is it wont show information on commercial mortgages. So this seems like a scam to me they are running. I see many others on XXXX reporting the same issue that they wont accept any proof of insurance and just deduct from your escrow and raise your payments. I am going to be stuck paying a higher monthly payment because they simply just thought my property didn't have insurance and wont respond to me on any of their platforms to verify insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Due to being a victim of data breach for EQUIFAX my paid services are suppose to be free. I noticed your company keep trying to charge me services that is suppose to be free. Also, the information reporting on my credit in regards to vehicles is false, medical information is false, I keep stating to update address and personal statement and have sent your company over 15 times in the last 4 years my Drivers License Social Security Card Copy of Birth Certificate all copies and your company always state you never received it. I still have USPS receipts where I would items requested for me and my XXXX kids and never get a response back from your company. Ive sent all the documents for me and my kids XXXX and yet still no response for the last 4 years. This is for EQUIFAX XXXX XXXX XXXX XXXX Ive disputed handwritten all companies. Ive sent EQUIFAX proof of all the distress and money spent behind their data breaches and yet to be compensated for everything Ive been through trying to recover me and my kids identities. Yall keep sending me the same information stating please send in proof of documentation that Ive already sent in 15 or more times. When trying to upload it it says an error. Me and my kids lost everything, not able to get housing, get a vehicle when needed due to all the things that was on my credit report from XXXX. Since XXXX EQUIFAX was suppose to compensate me for everything Ive had to go through and still havent been compensated for me and my kids.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: WI

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, closed on XX/XX/XXXX XXXX XXXX, closed on XX/XX/XXXX XXXX XXXX XXXX closed on XX/XX/XXXX XXXX XXXX XXXX closed on XX/XX/XXXX XXXX XXXX XXXX closed on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX 

The above accounts have violated the following rights : 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 

15 U.S.C. 1681 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 ) 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 2022-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
Chexsystems is harbouring incorrect information about a XXXX account and balance that was paid and should be removed. Additionally I can not retrieve my report from their website. This is hindering me tremendously from being able to receive loans from banks.

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 2022-08-18 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: NY

Complaint narrative:
I the consumer sent Transunion Consumer Solutions a letter on XX/XX/2022 demanding deletion of multiple accounts of alleged debts owed that were reported on my consumer report. However I never gave any written consent to Transunion to furnish a consumer report. This violates 15 USC 1681b ( a ) ( c ) ( 2 ). This is identity theft as well which violates 15 USC 1681a ( 3 ). 
I have tried multiple times to get Transunion to delete these alleged debts owed XX/XX/2022 ID # XXXX & XX/XX/2022 ID # XXXX through the CFPB portal and I sent a third letter on XX/XX/2022. Due to Transunion committing identity theft and furnishing a consumer report I suffered from XXXX XXXX and XXXX. I was unable to obtain employment or credit and suffered from financial hardship nor have I been able to obtain insurance or housing. 
My family and I suffered from abuse from Transunion. 
By Transunion obtaining my consumer information without any written consent and furnishing a consumer report reporting obscene and profane language regarding alleged debts owed and late payments we were violated. This is a violation of my rights as a consumer according to 15 USC 1692d ( 1 ) ( 2 ).

Transunion knowingly and willfully obtained my consumer information from various sources violating 15 USC 1692e ( 10 )

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 2022-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX is harbouring incorrect information about a XXXX account and balance that was paid and should be removed. Additionally I can not retrieve my report from their website. This is hindering me tremendously from being able to receive loans from banks.

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 2022-08-18 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: GOLDMAN SACHS BANK USA
State: MO

Complaint narrative:
I accidentally made an online bill payment to my GM Card ( Goldman Sachs Bank USA ) for {$6300.00}. This payment should have been to another credit card I use frequently. When I recognized the error I call on XX/XX/XXXX and spoke to a rep who said they would send a refund check. I should receive it in 14 days. I never received the check to my knowledge OR I accidentally threw it away. In either case I never cashed it. I have called MULTIPLE times. No one can help. I am on hold one hour at a time. Many incident reports are opend. No one ever calls. I received a letter dated XX/XX/XXXX that the case has been resolved correctly. I immediately called spoke to a rep in disputes who said another check would be cut and sent and received in 5 business days. When it didn't come I called again and was told they don't know what to do. It was suggested they create another incident report. When I said please no they said they would create a L2 report (? ) and someone would contact me. Please help. I just need someone to see the check wasn't cashed stop payment on the old and issue a new one. No one at GM can help. I don't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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:
Equifax, XXXX XXXX, XXXX, is not authorized to have any of my personal information According to ( .15 USC 1681b permissible purpose of credit report ) The credit reporting agencies were Never given the role to furnish credit reports they assumed the role.According to the fair credit reporting act and I demand that all of my personal information be removed from all three Major consumer reporting agencies to wish this is affecting me financially mentally and physically.I never consent nor Authorizing these credit reporting agencies the right to expose my personal information. I feel totally violated under the ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: WI

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, closed on XX/XX/XXXX XXXX XXXX, closed on XX/XX/XXXX XXXX XXXX XXXX closed on XX/XX/XXXX XXXX XXXX XXXX closed on XX/XX/XXXX XXXX XXXX XXXX, closed on XX/XX/XXXX XXXX  XXXX XXXX XXXX, collection. 

The above accounts have violated the following rights : 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 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 ) 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