vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-14 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: AL

Complaint narrative:
Violations of reports on my credit report to all credit reporting Agencies without my consent for debts I do not owe according to HJR 192 and Public Law 73-10 15 U.S. Code 1681b - Permissible purposes of consumer reports U.S. Code Notes prev | next ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
BOA paid an outstanding sewer tax bill at my request. I then repay it in installments along with my monthly mortgage, religiously every month, until paid in full. Ive done this before with no problems. After a couple of payments, I attempted to obtain a balance of said repayment, I was told monies have been misappropriated and will be corrected ( several times ). Although, I follow their request to the letter when making these repayments, this still managed to misappropriate these funds. Now I feel Im being blindsided by them as I dont have any clue whats going on with my account other than, the loan is now being serviced by a collection company with a history of collecting on bad loans. My loan isnt bad! I am current with my mortgage just needed to pay back that sewer tax loan! BOA failed to protect me as a consumer! I trusted them with my loan! 

I understand we all went and are still going through issues due to XXXX! However, Im starting to feel BOAs actions regarding my account has become, malicious and intentional, as they simply choose not to right, their clear wrong! Be accountable! Take responsibility! Apologize, fix it, and move forward! As we are expected to do when we are behind with just XXXX payment and our credit score drops affecting us like a XXXX effect. We are forced to make our wrongs, right, and simply move forward. 

Not only has BOAs failure, to implement a better escrow system, but also, their neglect in making their wrong, right ; damaged my credit, consumed my time and resources and has forced me to file this complaint. Keep in mind, I have no idea if I am doing this correctly or not. But at least this will be public and hopefully throw caution to the wind for the people that read this. 

Thank you for your time!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I have several accounts that, I sent in dispute for, and the XXXX credit reporting agencies are avoiding me and my letters, its been over 90 days, any they haven't responded to any or my letters about those negative accounts on my credit reports. 

I cant handle this situation anymore, could you please make them respond to the disputes and remove those items that they failed to challenge within 30 days, they also are not notating the accounts are being disputed in the comments section of each account. 

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-14 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I have several accounts that, I sent in dispute for, and the XXXX credit reporting agencies are avoiding me and my letters, its been over 90 days, any they haven't responded to any or my letters about those negative accounts on my credit reports. 

I cant handle this situation anymore, could you please make them respond to the disputes and remove those items that they failed to challenge within 30 days, they also are not notating the accounts are being disputed in the comments section of each account. 

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX I am filing this complaint due to numerous things I found own my credit report that were passed the statute of limitations that negative accounts are allowed to stay on credit report, and accounts within accurate information being reported on my credit report that is harming my scores are just not accurate. 

I am requesting these accounts and hard inquiries be removed immediately. I did further research to see how these accounts was reported on my credit report without me opening these accounts. Based off Fair Credit Act all credit bureaus must be accurate with reporting to all 3 bureaus. In Accordance Fair Credit Act these companies listed has violated my rights. 15 U.S.C. 1581 Section 602 A states I have a right to privacy. 
15 U.S.C 1681 604 A Section states. It also states that a XXXX XXXX can not furnish an account without my written consent. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX XXXX Date XXXX : XX/XX/XXXX. These accounts are passed the statute of limitations which is 7 years a negative account can stay on your credit report based off Fair Credit Act. All of these accounts listed above are well passed the statute of limitation dates. Therefore, these accounts should have already been removed from all three-credit bureaus Transunion, XXXX, and XXXX. 

These accounts are report in accuracies on all three credit bureaus. I never opened an account with these companies, never signed an agreement to open an account with any of these accounts. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX These inquiries were not authorized to appear on my credit report, I did not apply, nor did I sign any documentation for any credit with these companies listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have attached a clear copy of my credit report. You will see all of the in accuracies highlighted in green on my credit report. You will see that they're not reporting with accuracy on all three credit bureaus. I have also attached my Georgia License, and clear copy of my social security card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX I am filing this complaint due to numerous things I found own my credit report that were passed the statute of limitations that negative accounts are allowed to stay on credit report, and accounts within accurate information being reported on my credit report that is harming my scores are just not accurate. 

I am requesting these accounts and hard inquiries be removed immediately. I did further research to see how these accounts was reported on my credit report without me opening these accounts. Based off Fair Credit Act all credit bureaus must be accurate with reporting to all 3 bureaus. In Accordance Fair Credit Act these companies listed has violated my rights. 15 U.S.C. 1581 Section 602 A states I have a right to privacy. 
15 U.S.C 1681 604 A Section states. It also states that a Consumer Agency can not furnish an account without my written consent. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX XXXX Date XXXX : XX/XX/XXXX. These accounts are passed the statute of limitations which is 7 years a negative account can stay on your credit report based off Fair Credit Act. All of these accounts listed above are well passed the statute of limitation dates. Therefore, these accounts should have already been removed from all three-credit bureaus XXXX, XXXX, and Equifax. 

These accounts are report in accuracies on all three credit bureaus. I never opened an account with these companies, never signed an agreement to open an account with any of these accounts. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX These inquiries were not authorized to appear on my credit report, I did not apply, nor did I sign any documentation for any credit with these companies listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have attached a clear copy of my credit report. You will see all of the in accuracies highlighted in green on my credit report. You will see that they're not reporting with accuracy on all three credit bureaus. I have also attached my Georgia License, and clear copy of my social security card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 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: Advantage Credit, Inc.
State: CA

Complaint narrative:
Hi was in touch with Director of Mortgages XXXX XXXX at XXXX XXXX in XXXX XXXX to be notified of rates based on my income. I confirmed to him that the information would be used from a soft inquiry on my credit information. However when I was notified by XXXX XXXX that a hard check took place by his companys third party vendor XXXX, I was unable to get a resolution for removing the inquiry from him, his staff, or other credit solution contacts he referred me to. It has been several months with no resolution or action done by his team to resolve this non-consensual hard check on my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC
State: PA

Complaint narrative:
I had XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, PA XXXX up until XX/XX/2021 when I moved out. I had paid up any amount due up to that time. I contacted XXXX and they were able to verify that no data usage was recorded after XX/XX/XXXX. However they are still trying to charge me with service that I did not use.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN HONDA FINANCE CORP
State: MA

Complaint narrative:
Please see attached notice, Honda Financial Services is engaging in unlawful practices

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 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: GA

Complaint narrative:
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 : Also states a consumer reporting agency can not furnish a account without my written instructions.

This consumer reporting agency is reporting this US Department of education/XXXX  account on my credit report as paid of -40 %

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
Mortgage company stated they informed us through the mail that the mortgage payment was going up, we never received a letter from them informing us of this event! We continued to make payments of previous amount due on time. 
The mortgage company received our payment and deemed it to be a partial payment, and reported it as a late payment to the credit reporting agencys. 
Our payment as we knew it was made on time. We had no knowledge of a payment increase, and continued to make the same payment as usual. 
When contacted by us the mortgage company just said they mailed a rate increase to us, and there was nothing they could do it was a late payment!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MI

Complaint narrative:
My husband would like to be clear about escrow account because we have been trying to pay more of the escrow but we still see that the escrow account is still growing and growing up too fast and we are scare that the monthly payment of the our home continue get rising more and more every year and the explanation of the mortgage is that they make an estimate of the rising of the taxes and insurance and thats the reason we have to pay {$300.00} more of the original monthly payment {$1400.00}. Additional from our monthly payment they took XXXX XXXX monthly from our mortgage payment to the escrow plus this year we pay to the escrow our home taxes for XXXX. We have paid for the escrow {$8100.00} and stool have a balance of {$5200.00} and the problem is that they are not enough clear of the quantity that we have to pay to the escrow versus the quantity we have been paying.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
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 : Also states a consumer reporting agency can not furnish a account without my written instructions. 

This consumer reporting agency is reporting this US Department of educationXXXX account on my credit report as paid of -40 %

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 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:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account : XXXX XXXXXXXXXXXX  Account : XXXX XXXX Account 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 XXXXXXXX XXXX XXXX XXXX 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had received funds from my back pay with XXXX. And everything I used my card they locked it. So on the XXXX of XXXX I called BoA and told them I no longer had possession of my card and they said ok and they will send me a new card. And my balance was at {>= $1,000,000} So the next day I called back to see what needed to be done and the recording said I had {$6000.00} in my account so I called them back and told them I called u yesterday and told u I no longer had possession of my card and had a balance of {$18000.00} and the next day I called back and it said I had {$6000.00} left. And they said they will take care of it. And that they would send me a new card well it was sent out on the XXXX of XXXX ok so in three days I did receive a card ups. So I went to the bank parked and activated my card went to ATM and was not allowed to pull out any money. Why because I had a XXXX balance. Now plz tell me how that happened twice. Once called at a balance of {$18000.00} and the second time at {$6000.00} than to zero. Since than I have been kicked out of my house. I now sleep in my truck. I've lost my storage and about to lose another storage. I haven't been able to work because I hadn't had the money for gas so now I have no job.they have ruined my life and I have a one and a half year old ) title girl who I have to leave in the evenings with a friend because I can't have my daughter sleep in my truck with me XXXX XXXX get her taken away by cops. I don't know what to do and I'm so close to turning my self into XXXX XXXX XXXX  because of the stress.

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 monetary relief
Consumer complaint received 2022-08-14 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX, XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX, XXXX  Account # XXXX and XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, XXXX  Account # XXXX 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 an 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