vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-16 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. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality Under 15 USC 1681. 

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  has violated my rights 15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : states a consumer reporting agency can not furnish an account without written instructions.

15 U.S.C 1681c ( 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 ). States 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
Consumer complaint received 2022-05-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: SC

Complaint narrative:
Rent Recovery Solutions are working on behalf of XXXX XXXX apartments located in XXXX SC. The apartment complex employees entered the apartment illegally and before an eviction was issued, while also stealing XXXX of dollars worth of personal items. Including titles to vehicles. They used a cleaning company named XXXXXXXX XXXX XXXX XXXX. Quite fitting actually. We came home to a ransacked apartment and did not receive an eviction noticed until 5 days later. The amounts being asked for are far off from what was owed. Roughly about {$1600.00} vs what they claim to be almost {$4000.00}. The apartment complex goes through management employees like no ones business, and this isnt the first time this has happened, just take a look at the XXXX reviews. Trash always over flowing, sketchy water systems, and infested with bugs and fleas.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: IL

Complaint narrative:
I received a copy of my credit report and found the following items to be inaccurate ; 1 XXXX XXXX XXXX XXXX XXXX has multiple inaccuracies. 
1. Across the three bureaus the dates of last payments received are inaccurately reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  comments and acknowledges the debt as being discharged in bankruptcy. So the company has been reporting activity on a discharged debt. This is a validation of the Debt collection privacy act.

By the provision of the Fair Credit reporting act I ask that this item be deleted. please reference 15 U.S. 1681s-2 ( a ) a duty of furnisher to provide accurate information. 15 U.S ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if a person has been notified that such specific information is in accurate. I understand that under 15 U.SC Sec 1681 you must complete this investigation with in 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: IL

Complaint narrative:
I received a copy of my credit report and found the following items to be inaccurate ; 1 XXXX XXXX XXXX XXXX XXXX  has multiple inaccuracies. 
1. Across the three bureaus the dates of last payments received are inaccurately reported ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian comments and acknowledges the debt as being discharged in bankruptcy. So the company has been reporting activity on a discharged debt. This is a validation of the Debt collection privacy act.

By the provision of the Fair Credit reporting act I ask that this item be deleted. please reference 15 U.S. 1681s-2 ( a ) a duty of furnisher to provide accurate information. 15 U.S ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if a person has been notified that such specific information is in accurate. I understand that under 15 U.SC Sec 1681 you must complete this investigation with in 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: TX

Complaint narrative:
I have submitted over 6 disputes to XXXX, Equifax XXXX XXXX about accounts that were appearing on my credit report from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX on which I received a notice back that they were investigated, verified and confirmed as mine. the account stating was opened XX/XX/XXXX was reported opened XX/XX/XXXX that is almost XXXX months later so how was that verified. XXXX removed the inaccurate late payment from the account opened XX/XX/XXXX and then put It back without notice the next month. they have started not reporting my payment history and multiple accounts. I have called in to XXXX and was told that they did take steps to verify and they have mailed me exactly how and I would receive it in the mail. upon receiving the mail there was no proof of verification just a paper stating it was verified and the inaccurate information would be remaining on my account. XXXX and Equifax have also deleted the account that was opened XX/XX/XXXX but remains on XXXX. I have never lived at the residence reporting this information and I have submitted my identity fraud information yet the item still remains on my XXXX account. I am now receiving letters that they could not verify my identity from the information that I have sent in so they have not investigated the issue. how are now the same documents I have been sending to prove my identity now now enough information for you to investigate my claims. 

the credit bureaus have stated that my accounts were properly investigated but how is that possible when the open dates are innaccurate, the date last active is inaccurate, the date of last payment and the account status is inaccurate. this is grounds for removal as they have also violated my rights under 15 U.S.C 1681 section 602 A : states I have a right to privacy 15 U.S.C 1681 section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written consent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have submitted over XXXX  disputes to XXXX, XXXX & Experian about accounts that were appearing on my credit report from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX on which I received a notice back that they were investigated, verified and confirmed as mine. the account stating was opened XX/XX/XXXX was reported opened XX/XX/XXXX that is almost XXXX  months later so how was that verified. XXXX removed the inaccurate late payment from the account opened XX/XX/XXXX and then put It back without notice the next month. they have started not reporting my payment history and multiple accounts. I have called in to XXXX and was told that they did take steps to verify and they have mailed me exactly how and I would receive it in the mail. upon receiving the mail there was no proof of verification just a paper stating it was verified and the inaccurate information would be remaining on my account. XXXX and XXXX have also deleted the account that was opened XX/XX/XXXX but remains on Experian. I have never lived at the residence reporting this information and I have submitted my identity fraud information yet the item still remains on my Experian account. I am now receiving letters that they could not verify my identity from the information that I have sent in so they have not investigated the issue. how are now the same documents I have been sending to prove my identity now now enough information for you to investigate my claims. 

the credit bureaus have stated that my accounts were properly investigated but how is that possible when the open dates are innaccurate, the date last active is inaccurate, the date of last payment and the account status is inaccurate. this is grounds for removal as they have also violated my rights under 15 U.S.C 1681 section 602 A : states I have a right to privacy 15 U.S.C 1681 section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written consent

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 2022-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NEW YORK COMMUNITY BANCORP INC
State: FL

Complaint narrative:
On XX/XX/2022 I used a check from my checking accounting to pay my daughter 's credit card of {$300.00}. On XX/XX/2022 I received an email from assistant branch XXXX XXXX XXXX XXXX New York Community Bank XXXX Amtrust Bank location : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX asking me to please call her about a check. I ask her what check in the email. She refused to answer. On XX/XX/2022 she reversed the payment to the credit card. 
This is not the first time this lady has inconvenience me as a customer. XXXX has engaged in stalker like behavior since I took out my account. Every time I walk in the Bank one foot in she will jump up and say " no, no I will deal with her ''. She will constantly call me and email me when I do banking with my account basically telling me I would have to get her permission to do any transaction. She also shut down my debit card. I am XXXX XXXX XXXX and have been subjected to elder abuse. I'm tired of it. She watches my account on a daily basis and sometimes in the past when walking in she will mimic to me my transactions. Due to her harassing behavior in the past of constant calls and in person harassment I withdrew a large sum out of this bank to deposit in another because she was watching my account on a daily basis. XXXX XXXX refused to stop to the point where I stop going in the Bank in fear she will have someone to rob me. 
This event to reverse payment of a bare {$300.00} was insane and I believe this lady XXXX XXXX is engaging in elderly abuse and fraud. I have been victimized by her behavior and feel she only treat the XXXX customers like myself like this. She is over monitoring my account for small transactions and creating havoc. She is also telling me I can not do banking without her permission. 
Enough is enough I will like this women to seize all correspondence to me. She is harassing me. this was not a {$10000.00} or {$20000.00} to say it is reasonable for a branch representative to call me and stop payment. This was {$300.00}. If there is any fraud on my account I will report it to the Bank. She is treating me differently than the XXXX customers. She expect me to gain her permission before I do any transaction with my money. 
Tell this lady to STOP and SEIZE all contact. 
On XX/XX/2022 I called her at the Bank and ask her why did she do that. Reverse the payment. She admitted to knowing my daughter whose credit card I paid so why did she reverse the payment. She has caused my daughter 's account to incur fees and she should be responsible for paying this. I also want them to submit the payment back to the credit card for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: Experian Information Solutions Inc.
State: SD

Complaint narrative:
I paid my loan in full of {$88.00} on XX/XX/2022. XXXX continues to report that this was charged off for as of right now, XXXX and XX/XX/2022. This account was never charged off. It was only late, which I paid off in full. They said they would correct it to Paid Charge off, which is still incorrect. I was able to pay in full directly to XXXX. Charge off means that it was written off as a loss and sold to a third-party and unable to pay original creditor. My account was never sold to a third-party and I was able to pay XXXX directly.

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 2022-05-16 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: NC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....

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 2022-05-16 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: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
I received a denial from Target on a credit cart application. I contacted target and they told me that seone had applied using my driver 's license number and an XXXX email. I do not have an XXXX ail account. It resulted in an inquiry on credit. I did not apply for this. Target advised they could notify the credit agency to remove the inquiry. They advised me to call my local DMV because they used my license number. I did that. They also told me to come to this website to report it as a potential ID theft attempt. Thank you so much. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC
State: TX

Complaint narrative:
My husband and I bought a home in XX/XX/XXXX that required flood insurance. We purchased flood insurance at closing and an escrow account was set up for the flood policy only. In XXXX I found out that there was an issue getting the flood policy in place, however, I was never informed of the issue due to the lender - ServiceMac , LLC - sending letters to the wrong address. ServiceMac , LLC then purchased another flood policy for me and raised my monthly payment about {$400.00}. As soon as I was made aware of the issue I contacted the lender and my insurance to get the additional charge removed and the correct policy in place. In the meantime I made my new, more expensive monthly mortgage payment. 

When I called around XX/XX/XXXX to make sure everything was received, I was told by ServiceMac , LLC that they would not speak to me because I am not on the account. I had my husband give them verbal XXXX hour notification to speak with me and a third party authorization was emailed to them on XX/XX/XXXX. My escrow account has since been refunded, however, I need my loan to be reevaluated to lower my monthly required payment back to its original amount. I called today, XX/XX/XXXX and was told they could not speak to me again because my third party authorization was not in their system. I asked to speak with a manager and was told no one would speak to me, but I could call back in 10 days and maybe the authorization would be on file by then. 

I don't understand why they would speak to me last month but not this month. I signed many of the lender papers at closing and my name is on the warranty deed. If my husband could call he would, but unfortunately his job does not allow for him to easily make phone calls during the day. I don't think we should have to make another extra payment next month just because they are waiting for an authorization that was already sent over and have verbal authorization to speak to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: PNC Bank N.A.
State: NJ

Complaint narrative:
On XX/XX/2022 I applied for business credit with PNC Bank. I was told that my request was denied. I asked for the letter stating the reason and they claimed that it was mailed to my address on file. 

The address that they have on file is correct because I received bank statements. 

I asked to express mail the information and they agreed. They promised to express mail to me and the sales associate XXXX XXXX at the PNC Branch located on XXXX XXXX in XXXX XXXX XXXX. 

I have not received the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # 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 Sectign 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 2022-05-16 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 XXXX XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 Sectign 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: IL

Complaint narrative:
I have tried 3 times to obtain my credit report from XXXX, I sent my State Id, my SS # : I called and requested it two times over the phone and tried to do it on line, they have not sent my credit report, I had no problems from Equifax, or XXXX, but from the report that they sent me my rights have been violated. A consumer reporting agency can not furnish an account without my written instruction. The open dates are inaccurate, last active is inaccurate, date last reported inaccurate. This is grounds for removal and 15 USC 1681 section 602 A states that I have the right to privacy, 15 USC 1681 section 604 A Section 2., as a result of these things on my credit report I have hardship, I have a job, but I live with my Sister, I tried to get my own place and I was unable to because of my credit report. A credit report should not be the determining factor to get a place to live, you have the job making good money, but you can't get in because of a credit score is just down right ridiculous to me, I can not tell you how many people can not get a place to live because their score is too low, or they have erroneous stuff on their credit report that stops them from obtaining a home, these things need to change. If you need to contact me please contact via e-mail XXXX, address is XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, Illinois XXXX.

Company response to consumer: Closed with explanation