vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-21 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: FL

Complaint narrative:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody 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 2022-06-21 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-21 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Many companies invaded my privacy I have a right to privacy XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX All these companies

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 2022-06-21 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:
On or around XX/XX/2022, I filed a complaint against the credit bureaus credit reporting and improper use of my credit report. The bureaus response to my complaint was that they would re-investigate my consumer report for the accounts I listed as violating my rights and would respond back within 30-60 days. According to the FCRA the term investigate a consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews, with neighbors, friends, or associates of the consumer reported on or with whom he/she is acquainted or who may have knowledge concerning any such items of information. 
The credit bureaus stated that they updated/verified my accounts based on their investigation but how is that possible if they did not do a proper investigation according to the law? Also after their investigation ever piece of information on these accounts are STILL NOT reporting 100 % Accurate. I have the credit report showing all 3 bureaus reporting. I have placed an x by all of the inaccurate or missing information that shows the discrepancies amongst the 3 bureaus reporting of the following accounts : XXXX acct # XXXX, XXXX  XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX  acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX and XXXX XXXX XXXX  acct # XXXX XXXX 

These accounts are STILL reporting inaccurately and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report or you send me {$1000.00} per 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 non-monetary relief
Consumer complaint received 2022-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX was used to deplete my checking account with b of a bank

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 2022-06-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CORELOGIC INC
State: FL

Complaint narrative:
Several hard inquiries have been made using my credit that I dont recall I am requesting there removal they are as follows XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Corelogic Credco XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Corelogic Credco XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/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 2022-06-21 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: FL

Complaint narrative:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody 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 2022-06-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
I AM PAID IN FULL- ON XX/XX/XXXX SELECT PORTFOLIO PAID TO HAVE MY HOME VADELIZED BURGLERIZED AND HIRED A COMPANY TO KEEP ME OUT OF MY RESIDENCE TO INCLUDE FORCE ME OUT WITH PHYSICAL FORCE- I LOST OVER XXXX OF PERSONAL PROPERTY AND MY INHERITANCE AND BUSINESS - MY BUSINESS HAS A XXXX CONTRACT LOST AFTER THEY COMPLETYELY LIED TO ME REFUSED A PAYMENT AFTER THIS CRIME ON MY MARITAL HOME- THEY PAID THE JUDGE TO FRAUD AN ORDER ACCORDING TO THE CRIMINALS THEY HIRED TO VIOLATE MY RIGHTS TO ENJOY ME HOME- AS THEY GALKED AT HOW THIS WAS FOR XXXX, OOO IN LUIE OF FORECLOSURE WHEN MY MORTGAGE WAS NOT LATE AND WAS UP TO DATE- I ASKED THEM TO REPAIR MY HOME THEY LIED TO YOU AS YOUR WHY I WAS ABLE TO RETURN IN XX/XX/XXXX AND I HAVE 4 RECORDINGS OF THE RELATIONSHIP SPECIALIST SAYING WHO EVER TOLD ME I COULD ASSUME THE LOAN TELL THEM THEY ARE LYING AND TO CALL THEM - AND THEY WILL EXPLAIN I TOLD HER ITS OKAY I GOT HER RECORDED- AND SHE SAID SHE WAS SORRY THE Lawyers are XXXX  and are lying to the point of criminal acts to steal my home- but they can not help me as the judge fraud and took a fordgery document to transfer a tittle to a man hired by the company named XXXX XXXX the XXXX who was also couyrt apt ? but he does this a lt he is a proffessional in mortgae fraud and breach of duty its how i learned its what they are doing to me- is there some way ypu can get FBI OR SOMEONE TO LOOK INTO THIS WHITE COLLAR CRIME AS I LOST ALL I OWN AND CONSUMER PROTECTION IS THE ONLY HELP I GET- PLEASE PLEASE PLEASE HELP ME- I PAID FOR THIS DEPT AND THEY CAN PAY ME FOR MY LOSSES OR MY HOME- AS IT A FINNACIAL CRIME AND THATS THE REMEDY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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 XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, and XXXX Account # XXXX have violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: WA

Complaint narrative:
I have only been able to make 1 payment on this account. Every month after that I tried to make the payment and they would return it saying it was an invalid account. They put late payment notice on my credit report and continue to charge me compounding late fees. 
I have tried re-entering my bank information yet they keep returning the payments. ( I have documentation of all this ) I have sent them 2 letters stating that IF they remover the late charges and IF they remove this from my credit reports I will send them a certified check paying off the balance. The have NOT responded to any of this and instead have started calling me at all hours harassing me for payment. 
As they have an OR address if they do not do as I have requested I plan on suing them in Small Claims Court for {$5000.00} for the damages they have done to my credit report and the harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Offices of Robert J. Colclough, III
State: NY

Complaint narrative:
I reviewed a copy of my credit report and noted an entry from Allied Collection Svc that I could not apply. I reached out to Allied Collections on XX/XX/XXXX for further information and requested validation ( ex. proof that I am the owner of this debt, contract/application that I signed in relationship to this debt, statements from the original creditor including dates and amounts previously paid on this debt and not a computer-generated report from Allied containing the above information. On XX/XX/XXXX, Allied responded but did not include the above information I requested. Instead, Allied sent a letter with a computer-generated statement from Allied and not the original creditor. This is not acceptable and does not validate the debt. Meanwhile, Allied is still reporting this alleged non-validated debt on my credit report which is a direct violation of the FCRA, FDCPA and the New York State Consumer Credit Fairness Act of XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I bought two rugs from XXXX. I tried to return one it had been a few months but they said they had a 7 day return policy so I was stuck with one I still havent opened in the shipping package it came in but I paid {$570.00} so I was stuck paying for both rugs. Which one of them I cant ever use its the wrong size and even in pristeen condition they still wouldnt return it. I since have tried to sell it and havent been able to. The problem that I called in for though was Ive paid the entire bill off and made my final payment in XXXX of 2022. It was on time and the balance payoff I paid. I got in the mail today a {$2.00} charge for XX/XX/2022 that they told me was for not having a balance. I have to have a balance to pay in order to leave the card open for having no purchases anymore. I planned on keeping it open but not making any future purchases but Im not paying once a month to have a card that is unuseful because I have been TOLD its not good to close accounts because it effects most credit reports negatively. So heres my question, is that not illegal to charge me just to keep it open? Im on XXXX and Im on a fixed income and what little I get I have been paying off 5 cards Ive paid off two. Ive attached the bill that came for XXXX and no where does it say that I have to have a balance on the card. I owe {$2.00} and Im going to pay it but I did close the account with the man I spoke to and they are sending me a copy of the paperwork showing that I paid it off and that its closed. Ive also have other cards with this company and Ive had problems with them too this company has too many cards that they supply for many different stores. Its Commenity.net. 
Thank you for your time and patience. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX I received a letter in response to an ent credit card application. The letter stated that one of the three credit reporting bureaus had a freeze on my information that would have to be lifted for my application to be processed. I was able to reach XXXX and XXXX both of whom verified there was no freeze. Experian, however, makes it impossible to speak to a human and the only option on their automated line puts a freeze on your account. I tried for days, hours and hours at a time, calling every phone number I could find. I only was able to speak to a human once, who told me there was no freeze and hung up on me. In the meantime I had applied for a second credit card and a refinance loan. Both of those said specifically that there was a credit freeze only on my Experian information. My mortgage lender, XXXX at XXXX XXXX  tried to contact Experian on my behalf and was also unable to speak to a human. This issue stands to cost me thousands as the interest rates continue to rise. I also tried to resolve this issue on their website but got a message that my identity could not be verified and to call Experian. Once again I could not speak to a human and there was no option to handle this on the automated line.

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 2022-06-21 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: FL

Complaint narrative:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody 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 2022-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2022, four times, Chase Bank would not let me make a funds transfer and locked my account. I called their Electronic Money Movement Team four times, each time they told me the issue has been resolved and the transfer would go through. But it still got rejected and my account locked, four times, all without any notification or explanation from Chase. A service rep named XXXX said I had to go to a local branch to verify account ownership in person. I did that, was told once again it has been resolved, but it still got rejected and my account locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: OR

Complaint narrative:
They refuse to correct, and or remove erroneous reporting accounts on my consumer report, despite my several attempts to get them to do so. An account on my report is actually reporting twice, and yet has different payment histories, and activity dates. The do not report a closing date for one account, and yet have the the second duplicate account as C/O this year which should have been resolved in XXXX. I have disputed with them by certified XXXX  mail, on or about XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX/XXXX, and XX/XX/XXXX ; and each time, they outright ignore my disputes, or send back the generic, " This account has been verified '' message. When I ask for their " method of verification '' as detailed in FCRA section 611, they still will not forward me the information of specifically with whom they spoke and such, or communicated with to verify these erroneous accounts, so that I can personally follow up on their reporting. Ironically, this erroneously reporting account was just removed from my XXXX XXXX report because if the same erroneous issues, and will be removed from my XXXX report soon. I have also sent this clear evidence of this incongruent and erroneous reporting to Equifax, and they still refuse to conduct a proper investigation, and or remove this account. This account is costing me money, from higher interest rates, as well as outright denials for certain business opportunities, unjustly

Company response to consumer: Closed with explanation