vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: HANCOCK WHITNEY BANK
State: MS

Complaint narrative:
Hancock & Whitney bank allowed someone to open XXXX checking accounts and XXXX savings account using my information. Then proceeded to let them draw {$250.00} from XXXX acct with a {$0.00} balance, {$100.00} from another acct thaty had a {$0.00} balance, and {$50.00} from another acct that had {$.00} in it. I can only assume the one with {$.00} was the first account. All of this was done using my name and SS # I presume, as the welcome letters, overdraft notices and the debit cards all came to me. It appears to me that it would have to be someone in XXXX XXXX XXXX bank as they would've had to go into a bank to make withdrawals. At the beginning of XX/XX/2023 I ran my credit and have not seen anything on there so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: Early Warning Services, LLC
State: NY

Complaint narrative:
The agency reports inaccurate or incomplete information to credit reporting agencies, which can negatively impact my credit score. I am not aware of this account in my consumer report.

I do not always have access to all of the information that is being reported on my credit report, making it difficult to identify and dispute errors or inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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. Account name : XXXX account # XXXX Account name : XXXX  XXXX account # XXXX Account name : XXXX XXXX account # : XXXX Account name : XXXX XXXX XXXX account # : XXXX Account name : XXXX/XXXX  XXXXXXXX Account # : XXXX Account name XXXX XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX  Account # XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX XXXX  Account # XXXX Account name : XXXX XXXXXXXX XXXX Account # XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account # XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 ) 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 2023-04-17 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. Account name : XXXX account # XXXX Account name : XXXX  XXXX account # XXXX Account name : XXXX XXXX  account # : XXXX Account name : XXXX XXXX XXXX account # : XXXX Account name : XXXX XXXX Account # : XXXX Account name XXXX XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX  Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account # XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 ) 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 2023-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
ON XX/XX/2023 A UNAUTHORIZED CREDIT INQUIRY WAS MADE BY 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 2023-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Phillips & Cohen Associates, Ltd.
State: NY

Complaint narrative:
Collector tiring to collect from exempt funds

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX in violation of CFPB Consumer Laws and Regulations CFPB Deceptive Acts or Practices Definition : ( XXXX ) The representation, omission, act, or practice misleads or is likely to mislead the consumer. 
Loan Type : XXXX XXXX XXXX XXXX Claim No. 
Complaint : We received a loss draft insurance check in the amount of {$33000.00} from our XXXX XXXX for internal home water flood repairs that occurred on XX/XX/XXXX. Check was issued to both us, and PHH Mortgage Services and requires signatures from both parties. On XX/XX/XXXX, I spoke with XXXX, a PHH Mortgage Officer in regard to having the check endorsed and she informed me that any amount under $ XXXX would be endorsed & released in full by PHH. Per XXXX 's instructions, I forwarded the check to PHH Mortgage Services, Attn : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX for endorsement. 
PHH received the check on XX/XX/XXXX, and refused to endorse and returned it unendorsed. On XX/XX/XXXX, I spoke with XXXX, also a PHH Mortgage Officer inquiring on XXXX endorsement refusal and she confirmed all loss drafts under $ XXXX would be endorsed a & released. Again, on XX/XX/XXXX, I spoke with XXXX, another PHH Mortgage Officer and she also confirmed that under $ XXXX statements were accurate. Finally on XX/XX/XXXX, I spoke with XXXX, another PHH Mortgage XXXX and he confirmed through XXXX XXXX XXXX monitored for quality assurance and training purposes, confirmed that the statements made by PHH Officers XXXX, XXXX, and XXXX were indeed made. Upon this confirmation by PHH Officer XXXX, I again forwarded the check to PHH for endorsement which they received on XX/XX/XXXX, and once again was denied and returned unendorsed. 
This act of verbally misleading us is considered a deceptive act and is in violation of federal and state laws and regulations, that have caused my family much XXXX XXXX XXXX XXXX XXXX. Here we are today XX/XX/XXXX, over XXXX months after the fact and after uncountable and numerous phone call conversations, written letters, and pleading with PHH officers on the urgency of our situation, we are still inconvenienced without completion of repairs. 
PHH Mortgage Services has a history of numerous unethical violations that have harmed consumers as this article exemplifies ; CFPB Takes Action Against PHH Corporation for Mortgage XXXX XXXX, dated XX/XX/XXXX. 
Summary As long-established homeowners of this property, our objective is to facilitate the long-delayed repairs, avoid any further PHH violations, have the necessary funds on hand to complete the repairs, get our family home back to normal, and upon completion grant PHH Mortgage Services access for final inspection and approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2023 I made a mobile check deposit on my phone into my personal account. The check was made out to me for {$1500.00} from my employer. In error I posted the check in question for {$1000.00} instead of {$1500.00} to my checking account. Bank of America caught the error in their system and made the correction on my behalf. They sent an email to confirm. However, Bank of America decided to hold funds for an excessive amount of time, 9 days until XX/XX/2023. I checked with my employer who have informed me the funds were cleared XX/XX/2023. I reached out to BOA and spoke to manager XXXX # XXXX. I explained to him it was an error I had made on the mobile app system and that the funds were needed to pay my mortgage which is now late. I also requested documentation in their policy where they could legally hold funds that long. I got no answers and insisted I have to wait til XX/XX/2023. This is a financial hardship for me. Can anyone help.

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 2023-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: TX

Complaint narrative:
I spoke with this company back in XXXX of this year and informed the that this medical debt is not mines. CAPIO PARTNERS LLC. Wilfully added this item on my consumer report with out my knowledge. Not only did the company put the item on my consumer report this is a hippa violation no medical debts can be reported on any one consumer report. They also stole my identity because i do not know who this company is and i have explained to them that i do not know them and they still placed someone else medical problems on my consumer report. They have violated so many federal violations including hippa, the privacy act of XXXX, and many more federal violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17 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: CA

Complaint narrative:
XXXX, Equifax, and XXXX continue to furnish information that is inaccurate and incomplete. I reached out to these companies. Submitted a dispute, even filed a lawsuit. My reports are still inaccurate. The Payment history, along with date of first delinquency, and some of these accounts have been deleted on one credit agency but remain on others. Theyre violating 1681e ( b ), along with failing to respond. Another violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: CA

Complaint narrative:
XXXX, XXXX, and Experian continue to furnish information that is inaccurate and incomplete. I reached out to these companies. Submitted a dispute, even filed a lawsuit. My reports are still inaccurate. The Payment history, along with date of first delinquency, and some of these accounts have been deleted on one credit agency but remain on others. Theyre violating 1681e ( b ), along with failing to respond. Another violation.

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 2023-04-17 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: NJ

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX : XX/XX/XXXX SSN : XXXX XXXX  XXXX I was reviewing my credit report and noticed that their are some fraudulent activities on my credit report and the following accounts are being submitted to the be blocked and deleted from my credit report : XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX Acct Number : XXXX XXXX XXXX  Acct Number : XXXX XXXX XXXX Acct : XXXX Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX : XX/XX/XXXX SSN : XXXX XXXX XXXX I was reviewing my credit report and noticed that their are some fraudulent activities on my credit report and the following accounts are being submitted to the be blocked and deleted from my credit report : XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Acct Number : XXXX XXXX XXXX Acct : XXXX Sincerely,

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 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
None of my credit accounts on my credit report match. 

The credit bureaus stated all of my information on my credit report is accurate and verified. 
How is that possible when the balance owed, payment status open date, date last active is incorrect, and date last reported are not accurate on all of my accounts. 
I have attached my credit report below. XXXX isnt even reporting on here but i have my XXXX report. THIS IS GROUND FOR REMOVAL. THEY ALSO VIOLATED MY RIGHTS UNDER XXXX5 USC 1681 SECTION 604 A SECTION 2. 15 USC 1681 SECTION 602 A states I have a right to privacy! 

The law states clearly a consumer reporting agency can't furnish an account without my written instruction. I haven't given my permission for them to furnish my accounts. 

This is all according to the FCRA XXXX XXXX  # XXXX The bureaus had XXXX days to fix this and by law they had tO fix this within XXXX days. I have all the documentation I need to come after the bureaus. I already am in a lawsuit with XXXX, and i will come after transunion and experian. The bureaus did nothing to fix this and i'm not waiting any longer. 

Please see attachments below : ALL OF THESE ACCOUNTS NEED TO BE DELETED WITHIN THE NEXT XXXX DAYS

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 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There is a Bankruptcy reporting on my credit report that should not be reporting

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 2023-04-17 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: Affirm Holdings, Inc
State: OH

Complaint narrative:
In accordance with the fair credit reporting act this creditor AFFIRM INC has violated my rights under 15 USC 1681 section 602 states, I have the right to privacy. 15 USC 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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:
In accordance with the Fair Credit Reporting act XXXX  Account 's 1 ) XXXX XXXX XXXX Account # XXXX 2 ) XXXX XXXX XXXX Accoun t # XXXX 3 ) XXXX XXXX XXXX XXXX XXXX Account # XXXX 4 ) untitled collection or charge off- Account # XXXX 5 ) XXXX - Account XXXX XXXX 6 ) XXXX XXXX XXXXXXXX XXXX Accoun t # XXXX 7 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX 8 ) XXXX XXXX - Account # XXXX XXXX ) XXXX XXXX XXXX - Account # XXXX 10 ) XXXX XXXX - Account # XXXX Has violated my rights. 

I've sent letters out on XXXX and XX/XX/2023. I received no response or any verified letters. 

15 U.S.C 1681 section 602 A. States I Have the right to privacy.

15 U.S.C 1681 Section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written permission.

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 2023-04-17 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:
In accordance with the Fair Credit Reporting act XXXX  Account 's 1 ) XXXX XXXX XXXX Account # XXXX 2 ) XXXX XXXX XXXX Accoun t # XXXX 3 ) XXXX XXXX XXXX XXXX XXXX Account # XXXX 4 ) untitled collection or charge off- Account # XXXX 5 ) XXXX - Account XXXX XXXX 6 ) XXXX XXXX XXXXXXXX XXXX Accoun t # XXXX 7 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX 8 ) XXXX XXXX - Account # XXXX 9 ) XXXX  / XXXX  - Account # XXXX XXXX ) Pref Lease - Account # XXXX Has violated my rights. 

I've sent letters out on XXXX and XX/XX/2023. I received no response or any verified letters.

15 U.S.C 1681 section 602 A. States I Have the right to privacy. 15 U.S.C 1681 Section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
XX/XX/2022 and XX/XX/XXXX XXXX submitted debt verification letter. Received no response to my request to verify the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Need this debt taken off

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 2023-04-17 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 XXXXXXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX  ACCOUNT # 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 : It also states a consumer reporting agency can not furnish a account without my 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 ) 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