vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-04 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: OK

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,, 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

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 2022-09-04 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 : Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my writteninstructions, 15 USC 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.

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 2022-09-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I WILL NEVER HAVE OWNERSHIP OF MY HOME JUST RENTING. BEING DEPRIVED OF MY VA BENEFIT. IT HAS COME TO MY INTENTION THAT I AM PAYING PROPERTY TAXES FOR A HOME VALUED AT {$330000.00} COMING OUT OF THE ESCROW OF {$340.00}, WHICH IS {$340.00}. COMES TO {$4000.00} PER YEAR THE ESCROW IS {$480.00} WHICH LEAVES {$130.00}. NO PMI, OR FLOOD INSURANCE IS NEEDED FOR VA. SO WHERE IS THE OTHER {$130.00} GOING? TAX AND ASSESSMENT SAYING I AM EXCEEDING MY LIMIT FOR MY HOME VALUE. MY PROPERTY TAXES SHOULD BE JUST {$3100.00}, {$250.00} MONTHLY FROM {$480.00} WHICH LEAVES {$220.00} IN ESCROW. WHERE IS THAT GOING, I AM NOT IN A FLOOD ZONE. IT STATES THAT THE LENDER I RESPONSIBLE FOR GIVING PROPERTY VALUES TO THE CONTROLLERS OF REAL PROPERTY. I WILL BE SENDING COPIES TO CFPB.

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 2022-09-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have been making consistent payment every month towards my XXXX Credit Card, belonging to Comentiy Bank. Last month ( XX/XX/XXXX ) they reached out via phone asking When did I plan on paying my past due amount of {$77.00}. And called me every week asking to pay an additional amount because they did not receive my payment. 
On XX/XX/XXXX after receiving my bank statement I mailed a copy of my bank statement of XX/XX/XXXX and XX/XX/XXXX because I also made a payment in XXXX and Comenity Bank sent statement to the Credit Union that I wasnt making my timely payment. As well as a cover letter with my account number. XX/XX/XXXX They called me at 2x at XXXX and again at XXXX to ask again for back payment. I have already sent XXXX payment. 
Im tired and frustrated with the constant calls and rude languages. Ive made my payment on time and have the proof for it. 
I want something done immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-04 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: Northstar Location Services, LLC
State: NY

Complaint narrative:
Source XXXX XXXX  / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX Florida Balance date XXXX XXXX, XXXX - {$600.00} Last year of XX/XX/XXXX I was a victim of identity theft - Ive had made a dispute with the other Credit bureaus and still havent received a call or email or follow up about it My biological mom and her second husband were the ones who misused my information Ive went to our police station XX/XX/XXXX and have reported the crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/29 my fiance and myself went to Costco. He applied for a Costco anywhere card by Citi bank. As he was finishing up the application, the customer service representative asked if he wanted to make me an authorized user. We asked if this would mean I would have to apply for a card as well, which I did not want to apply for credit card. She said no and was annoyed that we had asked that question. So my fiance said yes, she asked me to enter the last four digits of my social security number and that would allow me to be an authorized user. She then give us a print out of the temporary card. The temporary card only had my fiance 's name on it, please see the attached file for this document. On XXXX XXXX, both of us received two separate credit cards to my horror. I never signed up for a credit card only to be an authorized user. My fiance called Citi bank and asked them to correct this as the card opened in my name and done so without my permission. However, they said they could only removed my as the authorized user. They said I have to contact the Credit bureau to correct the issue. My credit score has been reduced as a result of this unauthorized card being open in my name and it's was done so without my permission. This customer service representative open a credit card without my permission and I would my credit score be fixed and this card be removed. It was a fraudulent act by Costco.

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 2022-09-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
I filed a lawsuit against XXXX Bank XXXX XXXX, AS Legal Title Trustee for XXXX 2016 XXXX XXXX XXXX. Their address is XXXX XXXX XXXX, XXXX XXXX, Minnesota XXXX I have attempted to settle dispute, have not heard anything about my offer. XXXX XXXX XXXX XXXX and Trustee of XXXX both have the same location to be reached by mail address is XXXX XXXX XXXX XXXX, XXXX, XXXX, California XXXX. 
XXXX. Need address and location to serve civil summon and complaint of court documents to XXXX Bank XXXX XXXX, AS Legal Title Trustee for XXXX 2016 XXXX XXXX XXXX, for civil case from me the plaintiff in this case. XXXX. Need their legal representation information of who to contact about my civil summons, name of person, name of law firm, and direct phone number to reach that person and them. XXXX. All communications should be address to me the homeowner of the property ( no one else ) I am representing myself in this civil case # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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: CarMax, Inc.
State: NC

Complaint narrative:
Per CarMax, On XX/XX/2020, CarMax and I opted for a financial contract ; per this contract, CarMax took my information and reported to third-party companies, i.e., XXXX, XXXX, and XXXX, without my permission. In this process, I was unaware I could have the option to opt out of having my information report to these third-party agencies, XXXX, XXXX, and XXXX. It has been brought to my attention that I can opt and not have my information reported to the third-party agencies per 15 USC 6802 : Obligations with respect to disclosures of personal information. 



( b ) Opt out ( 1 ) In general a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have made on time payments for years never have been late because student loans were in deferred. I am currently a couple years up current but I ask that these late payments be immediately removed. This account number is XXXX name of account is XXXXDept of ed

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 2022-09-04 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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XX/XX/2021 I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
I am disputing again for the investigation to be reprocessed. This was due to a data breach that resulted from I-9 files being compromised. I was not the person who made this transaction. Per credit acceptance I needed to submit proof of the data breach and new social security card that was part of the XXXX XXXX XXXX compensation package which I did and that evidence was not shown in the follow up to the original response # XXXX. I have a check from XXXX for reimbursement of the car ( before interest ) that was illegally taken out in my name from someone who used copies of identification and not the originals to purchase the car. This was a mutual agreement to prevent a lawsuit. Due to that situation a few weeks later the dealership has went out of business. I am attaching copies of the check, my new social security card that I had to obtain due to this as well as proof of the data breach. 

Credit acceptance stated all calls are monitored and recorded I would like a analysis done from calls coming from that account before XX/XX/2022 and copies to support my case if its needed to go to trial as well as trying to identify. 

XXXX XXXX XXXX XXXX is the address of the rent office that all packages, delivery drivers, XXXX and any other forms of 3rd party communication goes too.

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 2022-09-04 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 Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 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.

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 2022-09-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I went to XXXX XXXX XXXX when I was XXXX. I wasn't really prepared for college nor did I know what major I really wanted to take. I went through the XXXX XXXX  XXXX XXXX and later founds that I was only on that career path out of the hobby and great skill. Not because it was my passion. I dropped from the program during my XXXX class or sometime after. I later heard like maybe 3 to 6 months later that they had been shut down due to fraud with certifications or something. So Later in life still have the loans on me, I sent in papers applying for the loan to be removed to the department of education. I have done this twice and still have yet to hear from anyone. Yet they have consolidated the loan. I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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: TX

Complaint narrative:
I have made on time payments for years never have been late because student loans were in deferred. I am currently a couple years up current but I ask that these late payments be immediately removed. This account number is XXXX name of account is XXXXDept of ed

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 2022-09-04 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: TX

Complaint narrative:
I have made on time payments for years never have been late because student loans were in deferred. I am currently a couple years up current but I ask that these late payments be immediately removed. This account number is XXXX name of account is XXXXDept of ed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
My name is XXXX XXXX. I contacted y'all last week. Someone hacked my account and changed my email and security questions, and y'all won't help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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: IN

Complaint narrative:
After carefully reviewing my Equifax credit report, I noticed several fraudulent credit inquiries on my report. The following inquiries that I didn't recognize, or authorize are as follows : XXXXXXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXXXXXX XXXX on XX/XX/XXXX, and XXXX XXXX, XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On XX/XX/2022, I sent Midland Credit Management a notice informing them of inaccurate information being reported on my credit report. I also informed them of why I needed the incorrect information corrected for Tax filing purposes. The company has listed this account on my XXXX and XXXX Credit Report as a charge-off, however, they never sent me a 1099c which is what the IRS informed me I should have fact received so that I may correct my Tax return. This is being reported on my Consumer Report as a Debt that is owed when it is in fact income. If this is the case, I requested the 1099c from Midland directly however, I have yet to receive a response with the information requested and that the Internal Revenue Service informed me to request. This can not be correct and therefore is inaccurate as it can not be debt and an income at the same time and how it is currently being reflected on my Consumer Report. This account Midland Credit Management is furnishing needs to be removed as soon as possible. Additionally, I sent out notices to XXXX and XXXX advising them that this account is inaccurate as well and the account still is being reported more than 60 days later. If this can not be corrected at this step with CFPB and Attorney General, I'm forced to turn this over to my Attorney to pursue this issue further.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-04 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: IL

Complaint narrative:
XX/XX/2021 I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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