vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-25 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: NM

Complaint narrative:
in accordance with the Fair Credit Reporting act. in accordance with the Fair Credit Reporting act. The List of accounts below hasviolated my federally protecled consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 002 A. Stales I have the right to privacy.

15 U.S.C 1081 Section 604 A Section 2 : It also stales a consumer reporting agency can not fumish a account without my written instructions 15 U.S.C 1681c. ( X5 ) Section States : no consumer reporting agency may mako 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 XXXX XXXX XXXX XXXX via XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX via XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX via XXXX XXXX IN XXXX XXXX via XXXX INTERACT XXXX XXXX XXXX XXXX XXXX via XXXX XXXX via XXXX XXXX  XXXX XXXX XXXX XXXX via XXXX - XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: NM

Complaint narrative:
in accordance with the Fair Credit Reporting act. in accordance with the Fair Credit Reporting act. The List of accounts below hasviolated my federally protecled consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 002 A. Stales I have the right to privacy.

15 U.S.C 1081 Section 604 A Section 2 : It also stales a consumer reporting agency can not fumish a account without my written instructions 15 U.S.C 1681c. ( X5 ) Section States : no consumer reporting agency may mako 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION
State: GA

Complaint narrative:
SNServing Loan received Payment from Insurers for home repairs for {$62000.00}. SNServing denied disbursement at closing for {$20000.00} and fails to cooperate with client, the homeowner after CFPB complaint filed prior to loss of the property. SNServing agrees to ONLY disburse owed funds by compliance to sign false statements to commit perjury to satisfy SNServicing Release and Receipt for funds. The Home Owner is owed by SNServing {$20000.00} and the bank XXXX XXXX XXXX has escrowed funds. 

Homeowner will not and should not be forced to commit perjury to have owed funds released. Homeowner modified SNSERVICING Corporation release and receipt to reflect accurate, truthful statement and SNServies refused to release funds owed by law. Furthermore, XXXX states they are illegally filing an interloper charge to prevent access to the funds legally owed to XXXX XXXX that SNServicing failed to issue owed at settlement closing for property.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: MI

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I recently paid off my mortgage with Mr. Cooper ( dba nationstar mortgage ). I was told by the loan representatives I needed to pay a {$25.00} loan payoff processing fee in order to receive a pay off amount to pay off the loan. The pay off amount was supposed to be good for 30 days. So I paid the fee. When I received the the pay off quote, it was tens of thousands of dollars off and only good for one daynot the 30 days as they indicated on their website! Completely inaccurate!! It indicated my pay off amount was {$26000.00}. The actual amount owed was {$1300.00}.

So why was the {$25.00} fee required?

It appears to me that I just needed to overpay the loan and would have been reimbursed the difference.

I have repeatedly asked for a reimbursement of the {$25.00} through written emails to no avail. As a matter fact they stopped responding to my requests. I was misled to believe that this fee needed to be paid in order for the mortgage to be paid off. Additionally I had over-paid the pay off and I have requested an accounting for the difference between the overpayment in the actual amounts. While a check was sent, the details were not shared with me.

I have attached the pay off quote and associated correspondence with the Mr Cooper mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I have settled my past eviction notice balance with XXXXXXXX XXXX XXXX  for XXXX XXXX for {$710.00} on XX/XX/XXXX, & it is still on my public record. I want it removed. This eviction was 4 years ago in XXXX. This is ridiculous. It's been settled and paid. I'm trying to move on and this isn't helping.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX Credit card is on auto pay, and the auto pay was not working. XXXX XXXX card there was just a service fee. Now it is showing 30 days past due because the auto pay didnt work, so just for a service charge. Changed auto pay info and paid past due balance. Dont want a service charge to report on my credit report as past due. Please fix

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 2022-04-25 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  Account # XXXX has violated my rights. 

XXXX  Account # XXXX has violated my rights. 

XXXX account # XXXX has violated my rights. 

XXXX account # XXXX has violated my rights. 

15 U.S.C 1618 Section 602A states I have the right to privacy.

15 U.S.C 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 1618c. ( 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 antecedents the report by more than seven years.

15 U.S.C 1618 s-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
Consumer complaint received 2022-04-25 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: FL

Complaint narrative:
In Accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  Account # XXXX has violated my rights. 

XXXX  Account # XXXX has violated my rights. 

XXXX  account # XXXX has violated my rights. 

XXXX  account # XXXX has violated my rights. 

15 U.S.C 1618 Section 602A states I have the right to privacy.

15 U.S.C 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 1618c. ( 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 antecedents the report by more than seven years.

15 U.S.C 1618 s-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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 explanation
Consumer complaint received 2022-04-25 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: NM

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S. Code 1681 section 602 A. States I have the right to privacy.

15 U.S. Code 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S. Code 1681c. ( a ) ( 5 ) Section states : no 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 information of convictions of crimes which antedates the report more than seven years. 

XXXX XXXX : Account XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25 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: NM

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S. Code 1681 section 602 A. States I have the right to privacy.

15 U.S. Code 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S. Code 1681c. ( a ) ( 5 ) Section states : no 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 information of convictions of crimes which antedates the report more than seven years. 

XXXX XXXX : Account XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: MI

Complaint narrative:
I have disputed 2 accounts that are listed on my credit report for 6 months. 

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX 
{$420.00} XXXX, Experian and XXXX fail to provide actual legitimate verification. 

Please provide the bill of sale/transfer related to this debt. 

This reported account is inaccurate and can not be substantiated.

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 2022-04-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I received 2 alerts, one from capital one and one from XXXX XXXXXXXX XXXX that these establishments pulled my credit. XXXX XXXXXXXX XXXX did an inquiry on XX/XX/2022, Capital One did an inquiry on XX/XX/2022. I am not applying for any new credit so I believe someone is trying to open accounts in my name. I got the run around by both banks, transferring my to department after department until the last department said their offices are closed until Monday XX/XX/2022. I will contact the credit bureaus tomorrow, Monday XX/XX/2022 to file a dispute and possibly freeze my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25 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: NM

Complaint narrative:
in accordance with the Fair Credit Reporting act. in accordance with the Fair Credit Reporting act. The List of accounts below hasviolated my federally protecled consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 002 A. Stales I have the right to privacy.

15 U.S.C 1081 Section 604 A Section 2 : It also stales a consumer reporting agency can not fumish a account without my written instructions 15 U.S.C 1681c. ( X5 ) Section States : no consumer reporting agency may mako 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 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  TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX via TRANSUNION 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  TRANSUNION 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian..My XXXX  credit card is reported to Experian as in good standing though the account balance is {$66.00} over the credit limit. First, I have {$200.00} in fraudulent charges being investigated, but if XXXX  reports the account in good standing where does the CRA take it upon themselves to create an issue where one does not exist between the principal parties. 
As a second item why are they allowed to report as outstanding credit on accounts where you are an authorized user. Theres no responsibility to pay the debt and should not be computed into ones own debt.

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 2022-04-25 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am a victim of identity theft I have been struggling with keeping up with all the products that were open in my name. I have to check my report almost everyday because product are opened fraudulent in my name. I haver opened a dispute on this item over to month ago and today I got a alert that XXXX XXXX was reinserted back on my account I asked for a investigation on the other two account I am a XXXX vet with a limited income to hire a lawyer for services that I'm paying Transunion to protect my identity by notify my if anything is opened in my name by putting a extended fraud alert on my credit report before extending a new account but they have yet to do so. please hold these company accountable for this because If there are no consequences I t will continue to happen.

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 2022-04-25 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

( 1 ) XXXX XXXX XXXX Account # - XXXX has violated my rights. 

( 2 ) XXXX XXXX  XXXX Account # - XXXX has violated my rights ( 3 ) XXXX XXXXXXXX XXXX Account # - XXXX has violated my rights ( 4 ) XXXX XXXX Account # - XXXX has violated my rights ( 5 ) XXXX XXXX Account # - XXXX has violated my rights ( 6 ) XXXX XXXX XXXX XXXX Account # - XXXX has violated my rights ( 7 ) XXXX XXXX XXXX XXXX Account # - XXXX has violated my rights ( 8 ) XXXX XXXX XXXX Account # - XXXX has violated my rights ( 9 ) XXXX XXXX XXXX Account # XXXX has violated my rights ( 10 ) XXXXXXXX XXXX  XXXX Account # - XXXX has violated my rights ( 11 ) XXXX XXXX Account # - XXXX has violated my rights ( 12 ) XXXX XXXX Account # - XXXX has violated my rights ( 13 ) XXXX XXXX  XXXX Account # - XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse items 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation