vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act Fair Collections & Outsourcing, 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

According to 15 USC 6802. Financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal 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 explanation
Consumer complaint received 2022-06-07 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number 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 2022-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have attached my identifying documents, this is proof of identity for all correspondences for this communication. The credit reporting agency has over reached and violated my privacy rights via 15 USC 6802-Obligations with respect to disclosures of personal information. Consumer reporting agencies may not disclose nonpublic personal information pursuant15 USC 6802a ( 6 ( a ) ) the Fair Credit Reporting Act establishes this protection to me as a federally protected consumer. Per 15 USC 1681a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy.

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 2022-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I booked a flight for my mother in law and father in law in XXXX of XXXX. These flights were booked for a departure in the end of XX/XX/XXXX. The tickets were paid through Chase XXXX XXXX with no points at all, just full cash. The airlines, XXXX XXXX, changed the timing of the flight which was a problem and prompted me to cancel. The flights were canceled in XX/XX/XXXX. The airlines approved the cancelation minus a {$50.00} non-refundable tax fee. I was fine with this. It has now been four months and I have not received the refund of {$2700.00}. Every time I call Chase XXXXXXXX XXXX  I am told that XXXX has not released the funds. I've been on hold for hours each time. Once I was told that it will be refunded in 48 hours. It has been two weeks and I have still not received the refund. I called today and was back to being told that XXXX has not released the funds. I asked what was being done to press them to refund and was told that Chase is just waiting. They have not been emailing or calling XXXX at all. Four months is a long time to wait for a refund of this large amount and I have no idea when it will ever come if no one acts on this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-07 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: NY

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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

According to 15 USC 6802. Financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal 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 2022-06-07 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

According to 15 USC 6802. Financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act US SM BUS ADMIN ODA, 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

According to 15 USC 6802. Financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: GA

Complaint narrative:
I have attached my identifying documents, this is proof of identity for all correspondences for this communication. The credit reporting agency has over reached and violated my privacy rights via 15 USC 6802-Obligations with respect to disclosures of personal information. Consumer reporting agencies may not disclose nonpublic personal information pursuant15 USC 6802a ( 6 ( a ) ) the Fair Credit Reporting Act establishes this protection to me as a federally protected consumer. Per 15 USC 1681a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
On the XXXX of XXXX I cancelled my Bi weekly payments with the lender by calling them over the phone as they didn't allow me to do it online. I insisted several times to the agent that I wanted a confirmation that the Bi weekly payments are cancelled and she refused to send a confirmation code but asked me to verify online which I did and the system showed a message that the Bi weekly payment was cancelled, but during the call itself I was bit skeptical form the way the agent came across and that's why I made her confirm it verbally several times and recorded the call but today the lender made an attempt to take the money out and caused my Bank account in Overdraft, and also they refused to stop making another attempt to take the money out again, and also stated that it will take 5 business days to fix the issues if not at least 48 hours but I am left with no money in my bank to spend on my food, commute, and i have an international travel coming up in the next few days and now I can't prepare for my travel, and i have things to take care before I leave the country as it will take another 2 to 3 months to return. They have caused a lot of damages emotionally, health issues, and also a long term damages by not allowing me to take care of certain things before I leave the country. This is done intenationally as they have been causing a lot of emotional trauma by practicing unthethical ways to indirectly threaten me and put me under a lot of pressure constantly just because they bought my account. I believe they bought my account intentionally as I have been harassed from the day my account was moved to them, and they also keep information from me and caused a lot of frustration where CFPB got involved earlier to make things right but now they are keep causing a lot of emotional distress as if they expect me to lose the home to them or they are making an attempt to force me to pay off the loan or just framing something around me by having a overdraft on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/2021, I made a wire transfer from my XXXX XXXX account to my personal checking account in TD Bank for {$82000.00}. I then made serveral transfers ( {$9000.00}, {$5000.00}, {$3000.00}, {$6000.00}, {$3100.00}, {$32000.00}, {$2500.00}, {$17000.00} and {$3000.00} ) equaling to the {$82000.00} from my checking to my savings account. A couple of days later, I tried accessing my account online and I was unable to. So, I went to my local branch ( XXXX XXXX XXXX. XXXX XXXX, FL XXXX ) and was informed that my account was under investigation. I have gone to the bank weekly since then and called their customer service line some many times I have lost count. I have tried talking to the manager of the branch and escalate the complaints they filed every time I go but nothing has happened and no one is able to provide any kind of information or assistance. It has been over three month and I have not receive any response. I have asked if they could release at least some of the funds but I have not receive any help or assistance. I routinely used to transfer my earnings from my XXXX XXXX account to my checking and savings account, so this is not the first time I receive funds from them. In the past, TD Bank froze my account in a similar situation ( but with a lower amount ) and the funds were released within a month. I dont understand why they are taking so long and Im not allowed to have access of at least a portion of those funds. Honestly, besides freezing my accounts, it is unconceivable the lack of customer service and assistance clerks at the bank can provide. I am in desperate need of those funds and would like to know if you can assist me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: NY

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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

According to 15 USC 6802. Financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal 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 2022-06-07 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: Experian Information Solutions Inc.
State: NY

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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

According to 15 USC 6802. Financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal 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 explanation
Consumer complaint received 2022-06-07 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

According to 15 USC 6802. Financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal 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 2022-06-07 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:
There are 3 different dates reported under date of last activity, last verified, date reported, date opened, closed date, high balance and this means that possibly all 3 of the credit reporting agencies are reporting inaccurate information. Where is the inaccurate coming from and why is the information not consistent? Delete for inaccuracy.

Delete accounts immediately due to violating my consumer rights under the Federal Credit Reporting Act law 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) ( B ) ( i ) ( ii ) Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors : A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I have submitted several disputes for the past year regarding inaccurate information on my credit report and the credit bureaus have failed to conduct a proper investigation to correct the inaccurate information on my credit report. The credit bureaus have violated my consumer rights and have not taken my disputes seriously. 

Every account listed in the attached credit report is inaccurate. DELETE IMMEDIATELY DUE TO INACCURACY. I have attached my credit report from XX/XX/22 with all the inaccuracies highlighted. This complaint serves as my dispute. 

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 non-monetary relief
Consumer complaint received 2022-06-07 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: GA

Complaint narrative:
There are 3 different dates reported under date of last activity, last verified, date reported, date opened, closed date, high balance and this means that possibly all 3 of the credit reporting agencies are reporting inaccurate information. Where is the inaccurate coming from and why is the information not consistent? Delete for inaccuracy.

Delete accounts immediately due to violating my consumer rights under the Federal Credit Reporting Act law 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) ( B ) ( i ) ( ii ) Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors : A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I have submitted several disputes for the past year regarding inaccurate information on my credit report and the credit bureaus have failed to conduct a proper investigation to correct the inaccurate information on my credit report. The credit bureaus have violated my consumer rights and have not taken my disputes seriously. 

Every account listed in the attached credit report is inaccurate. DELETE IMMEDIATELY DUE TO INACCURACY. I have attached my credit report from XX/XX/22 with all the inaccuracies highlighted. This complaint serves as my dispute. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Caliber Home Loans, Inc.
State: MA

Complaint narrative:
I signed a loan mod and made the first and every payment under the loan mod on time. The mortgage company said it would take 60 - 90 days to report against the deeds, then reflect in the company system, and finally to report to the three credit agencies. Then out of no where the mortgage company is reporting my 63 days and counting as past do. 

The combination of these factors is negatively impacting my credit causing damages to the point where I can not a get a loan and adding stress b/c they are calling asking me to pay additional fees for bein late on payments ( which is not the case )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number 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 2022-06-07 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:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXXXXXX XXXX XXXX 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