vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-02 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: PR

Complaint narrative:
XXXX XXXX XXXX Accounts have 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 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person 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 explanation
Consumer complaint received 2023-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: MN

Complaint narrative:
I have a XXXX debit card through XXXX XXXX. Apparently the card is serviced by BNY Mellon Bank. While I was in XXXX, the card was used in XXXX MN to charge {$89.00} at XXXX XXXX  on XX/XX/XXXX. Just a few hours later, which was XX/XX/XXXX in XXXX, I used the card to withdraw {$350.00} at an ATM. It was impossible for me to be in both places making such a transaction. BNY Mellon denied the claim, saying it was a valid charge at XXXX XXXX. XXXX was no help, just referring me back to BNY Mellon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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: SC

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. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have all 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 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 make any consumer report containing any of the following items of information : Any other adverse items of information other, than records of conviction of crimes which antedates the report by more than XXXX years.

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 2023-01-02 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: PR

Complaint narrative:
XXXX XXXX XXXX XXXX ( Finance ) 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 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person 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 explanation
Consumer complaint received 2023-01-02 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: ALLIANT CREDIT UNION
State: FL

Complaint narrative:
I have several unauthorized inquiries that i have no knowledge of reporting to the credit agencies. i reached out to the companies and none of them would help me with removing the hard inquires off my report even after explaining this is a case of fraud. i did not sign, authorize or have any recognition of doing any legitimate business with any of these companies. 

INQUIRES ON XXXX XXXX : XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 XXXX XXXX Inquiry : XXXX XXXX, 2022 ALLIANT CU Inquiry : XXXX XXXX, 2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX INQUIRES ON XXXXXXXX : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 INQUIRIES ON XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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: Aqua Finance, Inc.
State: FL

Complaint narrative:
I have several unauthorized inquiries that i have no knowledge of reporting to the credit agencies. i reached out to the companies and none of them would help me with removing the hard inquires off my report even after explaining this is a case of fraud. i did not sign, authorize or have any recognition of doing any legitimate business with any of these companies. 

INQUIRES ON XXXX XXXX : XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 AQUA FINANCE Inquiry : XXXX XXXX, 2022 XXXX XXXX Inquiry : XXXX XXXX, 2022 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2022 INQUIRES ON XXXX : XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 INQUIRIES ON XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, 2022 XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
This account was illegally reported to my account. My lawyer reached out to this establishment to begin deliberations after they refused to fix the issue, and they reported during disputes. 

I also reported this account in 2019 for the amount of {$960.00} and it has not been removed nor accurately notated on my report as such. I have email communication with them explaining that their charges were inaccurate and also not communicated properly.

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 2023-01-02 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: SC

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. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have all 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 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 make any consumer report containing any of the following items of information : Any other adverse items of information other, than records of conviction of crimes which antedates the report by more than se
ven years.

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 2023-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: PA

Complaint narrative:
I submitted a XXXX on XX/XX/2022, to MOHELA. Additionally, and based off new information received from the XXXX  regarding my XXXX tax returns, I submitted an additional XXXX including years worked for XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2022. 

To date, MOHELA has not responded to any of the applications I submitted seeking student loan forgiveness. Ive already met the XXXX-payment requirement. There seems to be a serious issue with this company processing paperwork and ensuring that eligible students receive forgiveness. This is supported in a recent online article by XXXX XXXX . In the XXXX  XXXX article, she addressed some of the systemic issues that affect MOHELA. 

Can someone please review the information that I submitted in XX/XX/2022 seeking forgiveness and get bet back to me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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: PR

Complaint narrative:
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 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person 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 explanation
Consumer complaint received 2023-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase payment via XXXX  for a purchase on XX/XX/ in the amount of {$140.00}, when attempting to dispute the charge Chase has indicated that they are unwilling to help ( despite being a " Chase Private Client '' ) and unable to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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 XXXX  Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, has violated my rights 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 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
Consumer complaint received 2023-01-02 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 XXXX  Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, has violated my rights 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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: PR

Complaint narrative:
XXXX XXXXXXXX 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 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person 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 explanation
Consumer complaint received 2023-01-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
On XX/XX/2022 I called XXXXXXXX XXXX after receiving a delinquent notice in the mail which included {$240.00} in late fees. The customer service representative indicated the late fees incurred were from mortgage payments received in XXXX, XXXX and after reviewing my statement possibly XXXX and XXXX due to the date falling on a weekend or maybe their online system doesn't take into account Pacific Time Zone? I informed the representative that I have a FHA loan which allows me to pay my mortgage up through the XXXX without incurring late fees and when paying my mortgage online on the XXXX of each month the website states that the effective date is the date the mortgage is paid because it can take the bank up to XXXX business days before the payment is posted. I also pointed out that on XX/XX/XXXX, I paid my mortgage online utilizing the bank 's XXXX party vendor option which cost an add'l {$9.00} fee to make sure the payment was processed on time. The representative informed me that I had to submit a dispute in writing to XXXX. I submitted a complaint via email on XX/XX/XXXX, received a notice of receiving the complaint in mid XXXX and still there has been no resolution to date. I have not received anything in writing pertaining to the results of XXXX 's investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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: DISCOVER BANK
State: NY

Complaint narrative:
I, XXXX XXXX, am writing this complaint for account ending in XXXX. This account was closed by DISCOVER, with no prior communication as to why or when this will happen. This account has been charged off- why you asking me for payments and illegally reporting inaccuracy to my credit report? You have been harassing me everyday with phone calls like clockwork. You are a debt collector calling me and harassing me violating federal law under FDCPA. You are providing false statement/representation by trying to collect amound that's already paid off ( charged off ). You are threatening to contact credit bureaus and damage my XXXX XXXX - Regarding missing payments when this card is charged off. Your attempts to collect debt that is charged off, and now you are trying to double dip and commit fraud. 

They have left numerous messages on my phone and calling me from several numbers and constantly emailing me. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-02 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: PR

Complaint narrative:
XXXX XXXX XXXX XXXX have 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 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person 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 2023-01-02 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: PR

Complaint narrative:
XXXX XXXX XXXX XXXX have 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 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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: PR

Complaint narrative:
XXXX XXXX XXXX XXXX have 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 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person 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 explanation
Consumer complaint received 2023-01-02 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 explanation