vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-13 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 XXXX XXXX XXXX XXXX, No Account #, 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 2022-06-13 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 XXXX XXXX XXXX XXXX, No Account #, 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 2022-06-13 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: MO

Complaint narrative:
I applied for credit back in 2020 an instead of XXXX or XXXX hard pulls I ended up with XXXX such as 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

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 2022-06-13 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: MO

Complaint narrative:
I applied for credit back in 2020 an instead of XXXX or XXXX hard pulls I ended up with XXXX such as 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 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: GA

Complaint narrative:
TRANSUNION is complicit in reporting an account as a charge off to my consumer report causing defamation to my character. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have filed a XXXX Cancelation of debt with the IRS for these accounts and are attempting to collect the same amount they wrote off with the IRS from me on a written off debt that they were already paid for. This is tax fraud and I will report you to the IRS as being complicit in the fraud. The IRS defines a charge off as income and income is NOT reported on a consumer report. Also the CODE OF FEDERAL REGULATIONS 7 CFR 1956.54 states that a charge off is : The writing off of a debt and TERMINATION OF COLLECTION ACTIVITY without release of personal liability. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and TRANSUNION are attempting to extort me by furnishing this written off income to my consumer report in order to coerce me into making a payment. This is a criminal offense punishable by fine and imprisonment.

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 2022-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ

Complaint narrative:
As briefly as possible : 1. I am the personal representative for an estate.

2. A property in the estate had its mortgage transferred to Select Portfolio Servicing ( hereafter referred to as SPS ) 3. They sent me all the documentation on taking over on servicing the loan and originally were sending every statement to the estate c/o me at my home address 4. They stopped sending statements 5. When I called them they said I was not authorized on the account and couldn't speak to anyone.

7. I was given an email address ( XXXX ) which I was to correspond with. 
8. I asked via this email address and by phone if there was a secure method to get the lender documentation of my involvement with the account and proof that I should be authorized to deal with them on it.

9. My mother in law who is an heir of the estate started receiving my notices 10. After months of stonewalling and un-cooperative behavior from SPS, we refinanced to get out of dealing with them. The loan was closed in XXXXXXXX XXXX XXXX. 
11. I had to provide extensive documentation to both secure another loan as well as get title insurance.

12. In the end, SPS decided to send the escrow balance to the property address instead of my address.This address is a log cabin with no mailbox and the mail would have been returned almost as soon as it was sent as undeliverable. 
13. I called and requested that they reissue the check to the same address they were previously sending statements to, and I even convinced one representative to.go back and look and they were able to verify that my name and address appeared on the statements until XXXX XXXX XXXX. 
14. I have called repeatedly. I have provided all known documentation including my certified papers of personal representative, a certified copy of the will, certified copies of death certificates. 
15. I have never received any follow up communication from SPS. 

I have never had this much difficulty dealing with a mortgage lender in my life and I have had dealings with at least eight other lenders in my lifetime.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: EQUIFAX, INC.
State: MO

Complaint narrative:
My name is XXXX XXXX and I have been a customer of XXXX since XXXX! I am sending this letter because when I checked my most recent credit report, I noticed it contains 2 late payments on XXXX and XXXX of XXXX. The late payments were due to my bank account getting hacked and I had to get a new bank account. After receiving my new bank account, I reached out to XXXX via email on XX/XX/XXXX to update my bank and was not contacted back in a timely matter. When I finally received an email, I was locked out of my account and had several issues connecting my new bank. There has been several issues with the app logging you out and not being able to verify your information in order for you to regain access. Due to this mistake with their system. When I was finally contacted by XXXX I did get into the account to update my bank but it was too late. I had already received a late payment on my credit report which is effecting my credit in a negative way. I have perfect payments on all my credit accounts. I attempted to reach out to the company to fix the issue. I even uploaded the screenshot where I asked them to switch my bank and they are not willing to correct my credit report. They advised me that I have not been a customer long enough and Ive had the account over two years. The company has not updated nor reported none of my payments since XXXX of XXXX and its now XXXX. 

Other than this mistake, I have a history of making my payments to XXXX on time. I hope you will consider my request and remove this late payment from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
My name is XXXX XXXX and I have been a customer of XXXX since XXXX! I am sending this letter because when I checked my most recent credit report, I noticed it contains 2 late payments on XXXX and XXXX of XXXX. The late payments were due to my bank account getting hacked and I had to get a new bank account. After receiving my new bank account, I reached out to XXXX via email on XX/XX/XXXX to update my bank and was not contacted back in a timely matter. When I finally received an email, I was locked out of my account and had several issues connecting my new bank. There has been several issues with the app logging you out and not being able to verify your information in order for you to regain access. Due to this mistake with their system. When I was finally contacted by XXXX I did get into the account to update my bank but it was too late. I had already received a late payment on my credit report which is effecting my credit in a negative way. I have perfect payments on all my credit accounts. I attempted to reach out to the company to fix the issue. I even uploaded the screenshot where I asked them to switch my bank and they are not willing to correct my credit report. They advised me that I have not been a customer long enough and Ive had the account over XXXX years. The company has not updated nor reported none of my payments since XXXX of XXXX and its now XXXX. 

Other than this mistake, I have a history of making my payments to XXXX on time. I hope you will consider my request and remove this late payment from my credit report.

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 2022-06-13 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax continues to report a job and family services child support case that ended on XXXX with a XXXX ballance due and is still there after 16 years. 
It went away once, now its back. 
I want it permanently gone. If it returns, please instruct me how to sue these XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I informed Capital One that after all these years of paying my credit card bill in cash I realized that the coupon attached to my statement was indeed a form of payment. I looked up the correct definition of a Coupon pursuant to the XXXX law dictionary A coupon is a written contract for the payment of a definite sum of money on a given day, and being drawn and executed in a form and mode of the purpose, that they may be separated from the bonds and other instruments to which they are usually attached According to USC 1693o-1 Remittance transfer, the purpose of this law is to accept this remittance slip as payment for this bill. According to 12 CFR 1026a Billing Error Resolution, by law, creditors can not pursue adverse action against me ( by shutting off and or closing the credit card account ) 15 US Code 1666 correction billing errors. Failure to comply by not accepting this payment will result in further legal action. 
The United States Code Law 15 U.S. Code 1666b/ Timing of payments- A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. It is illegal to report a late payment on an open-ended consumer report and the payment must be reported as a positive payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Several Companies to include Experian, XXXX XXXX, and several others, make suggestions to apply for refinancing, or credit cards, or personal loans to help fix our financial situations ... .Then we take the advice and apply. Then we don't get approved, XXXX our credit scores up even more... .I think that is some XXXX practice by shady companies. Not only should everyone effected by those scams be compensated with actually being approved for whatever they applied for, those companies should be banned from reporting XXXX. Thing to credit beaureaus.

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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I, XXXX XXXX, am a federally protected consumer and I am filing this complaint against Capital One Bank USA NA. Capital One Bank USA NA is in direct violation in regards to the information that is being furnished on my consumer report. I would like to state that Capital One Bank USA NA is in violation of 15 USC 1681b ( a ) ( 2 ), which clearly states that information furnished must be in accordance with the written instructions of the consumer. I, the consumer, never gave Capital One Bank USA NA any written consent to report anything on my consumer report. NO CONSENT = IDENTITY THEFT. The following are fraudulently furnished inquiries. I did not authorize, benefit from, nor consent to these inquiries and I demand they be removed from my consumer report immediately : XX/XX/2021, XX/XX/2021, XX/XX/2021 ( XX/XX/2021, XX/XX/2021, XX/XX/2021 ). If they are not removed, I will hold Capital One Bank USA NA criminally liable for willful noncompliance and aggravated identity theft pursuant 15 USC 1681a ( q ) ( 3 ) since fraud is being committed using my identifying information. These negative items on my consumer report are preventing me from having a fair and equitable consumer report according to 15 USC 1681b. If Capital One Bank USA NA can not provide to me a copy of when I sent a written permissible purpose to validate these inquiries, I demand they be deleted in 4 days. Enclosed is the FTC Identity Theft Report which states the above mentioned inquiries that is being fraudulently furnished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2022 a deposit was made into my account in the amount of " {$3800.00} ''. The amount was held and processed for XXXX days, im assuming for verification and then released partially on XX/XX/2022 in the amount of " {$220.00} '' then on XX/XX/2022 for the remaining amount of " {$3600.00} '' totalling to the full check amount. After the full check was released and credited to my checking account on XX/XX/2022, I made payments towards any bills I owed. " In good faith '' I might add. The following day, XX/XX/2022 ; without any notification from my bank, my check was reversed leaving my account overdrawn " - {$1900.00} ''. At this point I attempted to contact my bank on XX/XX/2022 to figure out what is happening and it was stated by the representative that I spoke to that the funds are not properly payable due to duplicate presentment of the check and the representative went on to apologize that it was the banks mistake for releasing the funds prior to verifying of the check was payable. He then went on to instruct me to call the bank who issued the check to me. On XX/XX/2022 After contacting the bank who issued the check to me, they explained that it was also a mistake on their part for releasing this physical check to me. 
Both banks said I am liable for their mistakes.

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: NJ

Complaint narrative:
I DON'T RECOGNIZE ANY OF THE HARD INQUIRIES : 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 non-monetary relief
Consumer complaint received 2022-06-13 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: LA

Complaint narrative:
I, XXXX XXXX, am a federally protected consumer and I am filing this complaint against XXXX XXXX. XXXX XXXX is in direct violation in regards to the information that is being furnished on my consumer report. I would like to state that XXXX XXXX is in violation of 15 USC 1681b ( a ) ( 2 ), which clearly states that information furnished must be in accordance with the written instructions of the consumer. I, the consumer, never gave XXXX XXXX any written consent to report anything on my consumer report. NO CONSENT = IDENTITY THEFT. The following is a fraudulently furnished inquiry. I did not authorize, benefit from, nor consent to this inquiry and I demand it be removed from my consumer report immediately : XX/XX/2021 ( XX/XX/2021 ). If they are not removed, I will hold XXXX XXXX criminally liable for willful noncompliance and aggravated identity theft pursuant 15 USC 1681a ( q ) ( 3 ) since fraud is being committed using my identifying information. This negative item on my consumer report is preventing me from having a fair and equitable consumer report according to 15 USC 1681b. If XXXX XXXX can not provide to me a copy of when I sent a written permissible purpose to validate this inquiry, I demand they be deleted in XXXX days. Enclosed is the FTC Identity Theft Report which states the above mentioned inquiry that is being fraudulently furnished.

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: FL

Complaint narrative:
I am filing this complaint pursuant to the FAIR CREDIT REPORTING ACT AND THE FAIR DEBT COLLECTION PRACTICES. The following accounts have violated my federally protected consumer rights to privacy and confidentiality under the law. As pursuant to 15 U.S.C. 1681. 
/ :. XXXX ACCOUNT NO : XXXX / :. XXXX ACCOUNT NO : XXXX / :. XXXX XXXX ACCOUNT NO : XXXX In accordance to 15 U.S.C. 1681 SECTION 602 A. STATES I have the right to privacy. Also 1681 section 604 A section 2 : states that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c. ( 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 crime which antedates the report by more than seven years, agency can not furnish an account without my written instructions.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 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 explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Outsource Group, Inc
State: NC

Complaint narrative:
Medicredit & XXXX XXXX breached the XXXX XXXX XXXX XXXX 15 U.S. Code 6802. Medicredit just sent me a letter with private information and I have attached it to this complaint for your records. This has invaded my privacy and this is identity theft since I never gave them permission for this transaction to take place.

There is information thats on my credit report that is a result of identity theft. I did not provide written information or instructions for the identified transactions to be report on my consumer report. I am requesting that the report of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. These transactions should be removed according to 15 U.S. Code 1681c-2. You are required to do what I am asking and block these transactions from being report to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. Thank you.

Company response to consumer: Closed with explanation