vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-07 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: TX

Complaint narrative:
On XX/XX/2023, XXXX made a hard inquiry on my credit report by obtaining a copy of my credit report from Equifax. I did not authorize or request XXXX to obtain a copy of my credit report, nor applied for credit with either agency. Upon calling XXXX the very next day, the bank confirmed that the request was fraudulent and verbally promised to submit a request to Equifax to have the inquiry removed. 

Equifax did not remove the inquiry. 

On XX/XX/2023, I submitted a dispute to Equifax, informing the credit reporting agency that the inquiry was fraudulent. Equifax conducted an investigation and refused to remove the inquiry, stating " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY, '' as their reason for refusal. 

I called Equifax on two separate occasions after receiving a response to my dispute. Both agents of Equifax advised that the only way Equifax will consider my dispute is if I provide a police report showing the fraudulent credit inquiry. 

The Fair Credit Reporting Act ( FCRA ), in part, requires credit reporting agencies, such as Equifax, and furnishers of credit information to only report accurate information on a consumer report and requires removing information that is not factual upon a good faith dispute made by a consumer. There is no requirement under the FCRA to establish a fraudulent inquiry by submitting a police report, or a report of any kind, for that matter. Instead, the FCRA requires CRAs such as Equifax to obtain verification of whether the inquiry was made in accordance with FCRA and remove information that can not be verified. In their response, Equifax does not claim to have verified the inquiry with XXXX XXXX but only makes a conclusory claim that the inquiry is " factual information. '' Accordingly, Equifax violated the FCRA by denying my dispute request without confirming that the inquiry was made in accordance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: NM

Complaint narrative:
This loan officer through his manager : Loan # XXXX Zip code used is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX ( email ) XXXX ( direct dial ) XXXX ( cell phone ) XXXX text and call ( fax ) XXXX Mr. Cooper XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Purchase Sales Manager XXXX # XXXX These people in all their departments have evaluated our credit and income and have toyed us around. I was approved for a loan and now have savings too, and they recanted due to familial status, family origin or XXXX background, I am a XXXX working american citizen. I applied for a loan they approved me and XXXX  knowing the familial status or other detail, they recanted I owe no money to mr cooper or natiostar. 

Nationstar has received XXXX dolars in cash from XXXX XXXX as security deposit ( I can prove it ) and kept it in a " separte account '' for the bank 's benefit, and my mother XXXX XXXX XXXX not owe any money to the bank and sent some to their attorney and some to their client buddies in electronic interstate transfer of exempt retirement funds of a XXXX XXXX XXXX XXXX woman, and kept it along with some transactions doen by their counsel with a revoked license company whereby the attorneys hold some documents he negotiated behind our backs they are threatening us to pay the undisclosed illegal debt obtained by their clients on a property they no longer own or occupied. All equity belongs to XXXX XXXX since XXXX and there is a title to proove that. Nw the want to keep the money, take the XXXX  to the street. sell the house for 3 tiems the debt keep her cash and reward the attorney and the fraudster for not showiing up to court because the attorney did NOT SUMMON SERVE PROPERLY the morrgagor hence colluding to cover a crime against an innocent senior purchaser of value. FDIC sent information to the FBI already.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
My mother passed away on XXXX XXXX. We weren't aware that my mother was in trouble with the mortgage company until we received a notice that the property was going to be auctioned on XX/XX/23. My mother was very ill and was not communicating with us the hardship she was facing with the mortgage due to her illness. We collectively as a family decided we wanted to sell the land through a short sale that mortgage was being held against. We since listed the property have been going through the short sale process. An appraisal was completed and when the appraisal was reviewed by the negotiator they found that they appraised the wrong block and lot. On XX/XX/23 an email was sent to them letting them know that they did an appraisal on the wrong lot. We provided them proof of this ( RECORED MORTGAGE, DEED, XXXX XXXX XXXX XXXX  ) and requested that the auction be postponed to allow time for them to make the necessary corrections due to their own error giving a reverse mortgage on a vacant lot and for them complete an appraisal on the correct block and lot. As of today, they have not postponed the auction and they have yet to let us know the status of them postponing the auction and continuing with the short sale as long as a new appraisal is completed on the correct lot. We are trying to resolve this issue as we don't want the last thing our mother had to be lost to foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: TMX Finance LLC
State: TN

Complaint narrative:
Employees, at the XXXX TN location repeatedly use very aggressive and threating tactics to collect a debt by threating customers with with the repossession of there vehicle, not working with them and be little them in front of other customers and employees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: TX

Complaint narrative:
Please see the attached FTC report and remove the following unauthorized inquiries and account. I have tried many times sending letters directly to the credit reporting agencies and it fell on deaf ears. This is my last attempt before I take legal action due to many FCRA violations. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. I have no knowledge of this, and all is being investigated by the FTC.

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 2023-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have contacted all three credit bureaus before regarding my employers on my credit report. I do not give my permission ever to add any employer to my credit report. It cause harassment and telemarketing calls. Which neither should be able to access that information to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have contacted all three credit bureaus before regarding my employers on my credit report. I do not give my permission ever to add any employer to my credit report. It cause harassment and telemarketing calls. Which neither should be able to access that information to begin with.

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 2023-03-07 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: NY

Complaint narrative:
XXXX XXXX, I successfully completed the payment arrangement and no longer have an outstanding balance on my account, I want it deleted on 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 2023-03-07 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: NY

Complaint narrative:
XXXX XXXX, I successfully completed the payment arrangement and no longer have an outstanding balance on my account, I want it deleted on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The victim, XXXX XXXX was blackmailed to send them money starting from XX/XX/XXXX until I realized that was a scam on XX/XX/XXXX. I was using this online service that does my XXXX  work for since I am an XXXX and was struggling to pass the class because of the language barrier. The scammers were doing my work at first until I was asked to send money as " Deposit '' to clear the record of my XXXX  portal that they have accessed. They kept asking that the money was not enough to clear the record of my portal. 
I started sending money on XXXX and XXXX. XXXX stopped working so I went to the bank and did the wire transfer. 
Here are the dates and the amount I sent Transferring money : XXXX {$1000.00}, XXXX {$400.00}, XXXX {$600.00}, XXXX {$1400.00}, XXXX {$4000.00}, XXXX {$5600.00}, XXXX {$8600.00}, XXXX {$4000.00}, XXXX {$6800.00}. Total {$32000.00} During this time, i would get XXXX of phone calls day and night and was told that if i dont send money they will report it to XXXX  and make kicked out. I asked for my friend help on Saturday night and found out that this was a scam. 
We have talked to the bank so many times if they can reverse the money but since she is the person who authorized and sent the money they decided not to reverse the money for me. 

this is company information XXXX XXXX XXXX XXXX  I have a information their bank account and phone number.

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 2023-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: National Credit Care, LLC
State: OR

Complaint narrative:
A XXXX XXXX  employee refered me to National Credit Care to try and remove my " late mortgage payments ''. I missed a payment in XXXX and paid the rest on time up until XXXX when I realized when I was going to get a VA Construction Loan. I was notified by the lender that i had 2 late mortgage payments. I was unaware of this. They used wach payemnt i made on time for the previous months payment. I was told by them they can not remove them as they are " accurate ''. The employee gave me a guys number and his name is on the website account. I feel this is a scam as I spoke with another lender about the process of what they do. They are misleading. I am a XXXX veteran being scammed by my own countrymen. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I the consumer applied for a Home Depot credit card and was denied. According to the Equal Credit Opportunity Act, Adverse action against a consumer is against the law. This is codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1691k. I have proof of discrimination by Home Depot/Citi Bank due to their response by the company. See attached. Home Depot/ City Bank is in violation of 15 USC 1642, USC 1681m and 12 CFR 1002 because I the consumer made an application in good faith but credit was not issued. My SSN was used and I again received no benefit. This is proof of Fraudulent activity on Home Depot/Citibank behalf . I also, have additional information of certified mail sent to them by me to resolve this matter given credit can not be denied. I will await response back to fix this issue and will follow up with violation fees and damages caused by being denied. Thank you.

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 2023-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX - sold my car for a low price to an outside party. I still had over {$3000.00} worth of electronics in that car. They were suppose to close this account due to over the top Maitenance visits because the car had so many issues. On top of that. Every time the car broke down, I had to get it towed and paid out of pocket. XXXX XXXX was suppose to reimburse me for those tolls and did not fully pay me back. I asked over and over for someone to give me a call because I am owed money for those tolls. 

XXXX XXXX- still billing me and harassing me with phone calls after my truck was involved in an accident. I was not in the vehicle when this happen. The insurance company XXXX declared the truck as a Total lost. Now I can not get my truck registered again because it is now a total loss vehicle. I asked them to close this account because they did not accept the offer from XXXX for me to receive a check for my damages. They did not want to sign over the title because of my account status. The truck is not drivable and is parked due to tail end hit, and gas tank leaking fluid.

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 2023-03-07 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: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
XXXX XXXX - sold my car for a low price to an outside party. I still had over {$3000.00} worth of electronics in that car. They were suppose to close this account due to over the top Maitenance visits because the car had so many issues. On top of that. Every time the car broke down, I had to get it towed and paid out of pocket. XXXX XXXX was suppose to reimburse me for those tolls and did not fully pay me back. I asked over and over for someone to give me a call because I am owed money for those tolls. 

Credit Acceptance- still billing me and harassing me with phone calls after my truck was involved in an accident. I was not in the vehicle when this happen. The insurance company XXXX declared the truck as a Total lost. Now I can not get my truck registered again because it is now a total loss vehicle. I asked them to close this account because they did not accept the offer from XXXX for me to receive a check for my damages. They did not want to sign over the title because of my account status. The truck is not drivable and is parked due to tail end hit, and gas tank leaking fluid.

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 2023-03-07 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 this Account has violated my federally consumer rights to privacy and confidentiality under USC 1681 XXXX XXXX XXXX : account number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights 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 1681s -2 ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.

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 2023-03-07 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 this Account has violated my federally consumer rights to privacy and confidentiality under USC 1681 XXXX XXXX XXXX XXXX account number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights 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 1681s -2 ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.

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 2023-03-07 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: NY

Complaint narrative:
Please view attachment below Your company is in clear violation of the law. Under 15 USC 1681b- Permissible purpose of consumer reports. The LAW CLEARLY STATES : ( A ) In general Subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you permission to furnish this account on my credit report?

Furthermore, the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ) exclusion from a consumer credit report clearly states ( A ) EXCLUSIONS- Except as provided in a paragraph ( XXXX ), the term consumer report does not include - ( A ) Subject to section 1681s-3 of this title, any - ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the 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 non-monetary relief
Consumer complaint received 2023-03-07 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Please view attachment below Your company is in clear violation of the law. Under 15 USC 1681b- Permissible purpose of consumer reports. The LAW CLEARLY STATES : ( A ) In general Subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you permission to furnish this account on my credit report? 
Furthermore, the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ) exclusion from a consumer credit report clearly states ( A ) EXCLUSIONS- Except as provided in a paragraph ( 3 ), the term consumer report does not include - ( A ) Subject to section 1681s-3 of this title, any - ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report

Company response to consumer: Closed with explanation