vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
I applied for credit 2 times one which was XX/XX/XXXX and XX/XX/XXXX and was denied credit on both applications which is very fraudulent and aggravated identity theft. I didnt fill out a loan application according to 12USC 1431 banks do not lend money. I am a natural person the creditor and the applicant I went to this corporation to get access of my trust account and XXXX was suppose to act like the trustee instead they just stole my money denying me for my own credit when the inquiry shows that the consumer credit transaction was finalized! I didnt receive any benefit from any of the two transactions when I am the beneficiary! I provided my credit card my trust account to get access funds through this third party and was robbed off of my own credit. Not only was I robbed of my own credit but this company decided to report information ( the inquiry ) to credit reporting agencies without my written consent! Also gave me an adverse letter stating reasons for my denial when I can not be denied my own credit! And also the reasons showed me that they researched my credit ( social ) to obtain information out about me without my written consent! This is aggravated identity and very fraudulent! I emailed the corporation stating what happened and they have the nerve to tell me that non funds were disturbed nor an account was debited which is a major lie! To just tell me the beneficiary that I am denied access to my own credit after I gave my credit information which then the corporation withdrew money from is FRAUDULENT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the reporting of the following accounts is in violation of my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.

Information supplied is inaccurate and incomplete. At times it even contradicts itself.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
There are several credit cards who have run my credit several years after I either closed the or quit using there card. Also some credit card I possess periodically look at my credit which is not needed beause I am current on all my accounts. I feel that this is totally inappropriate. Some creditors are on my report who I have no business with at all. 

Closed/paid off Still active Never had/Old XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK OF AMERICA 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 explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This collection agency is reporting false information. Portfolio recovery associates. I have disputed multiple times. I hereby request that they report correct information including date of original delinquency with original creditor, provide documentation confirming amount reported. This agency is using inaccurate and unfair reporting methods and have very questionable tactics in general. I will be contacting an attorney very soon if they can not provide me documentation confirming information reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In response to my letter requesting Transunion to tell me of the source/furnisher of XXXX bankruptcies appearing on my credit report, Transunion instead chose to respond stating it was verified, please see the attached results. My inquiry letter NEVER DISPUTED the ownership or accuracy of the information. Transunion has violated : The Fair Credit Reporting Act 609 ( a ) ( 2 ) states ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 2 ) The sources of the information.

In addition, under 15 U.S. Code 1681b ( a ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I NEVER gave written consented to having any such items displayed on my credit report.

In 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. A credit reporting agency that can not tell the source within the 15 day time limit is not in compliance of this law.

And lastly under 15 U.S. Code 1681 section 2 ( a ) I have the right to privacy.

At this time Im requesting the permanent deletion of both bankruptcies and $ XXXX fine for every 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 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX  ( Opened XX/XX/XXXX, Balance {$16000.00} ), XXXX  XXXX ( Opened XXXX XXXX, XXXX, Balance {$7.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: 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 reporting of the following accounts is in violation of my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.

Information supplied is inaccurate and incomplete. At times it even contradicts itself.

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

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the reporting of the following accounts is in violation of my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.

Information supplied is inaccurate and incomplete. At times it even contradicts itself.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: 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: MA

Complaint narrative:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX  XXXX ( Opened XXXX XXXX, XXXX, Balance {$7.00} ), XXXX ( Opened XX/XX/XXXX, Balance {$16000.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

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

Complaint narrative:
In accordance with the Fair Reporting act 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 account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-16 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Maximus Federal Services, Inc.
State: MD

Complaint narrative:
Aidvantage XXXX XXXX XXXX XXXX VA, XXXX XX/XX/XXXX This letter is in reference to inacccurate /negative items on my XXXX credit report. In violation of FDCPA and FCRA laws and my rights as a consumer as such : Right To Notice Of Debt - I never received a letter within 5 days of first contacting stating, The amount of debt, The owner of debt ( Aidvantage ). 

Right to contest the debt!!! 

Right to verify the debt!!! 

Aidvantage is reporting the same account number for different accounts. How am I to determine which specific account is which? Aidvanatge reporting inaccurate date opening on accounts, also not reporting the original creditor of the debt. The payment history is also inaccurate. It goes from paid on time XX/XX/XXXX to 90 days late XX/XX/XXXX and 120 days late in XX/XX/XXXX. How is that even possible? 


Can you please conduct a reasonable investigation and correct or delete/remove negative accounts. These violations are causing me actual damages!!!

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

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
in accurate information I'm a victim of id theft

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

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, DEPT OF EDUCATION/XXXX Account # XXXX, XXXX & XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, DEPT OF EDUCATION/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. Code 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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

Complaint narrative:
This is not a duplicate complaint but a complaint / request that has never been fulfilled. For 5 years I have requested the permissible permission used to access my credit report in XX/XX/2017 by Experian and XXXX XXXX XXXX XXXX ( XXXX XXXX. Instead, I get correspondence like the attached. I need the permissible permission for my claim against the person who stole my identity. PLEASE READ MY REQUEST CAREFULLY AND DO NOT IMMEDIATELY PUT THIS UNDER FRAUD AND GO IN ANOTHER DIRECTION. MY REQUEST IS SIMPLE - I am requesting copy of the permissible permission used to access my credit report in XX/XX/2017. I need the signed copy / application. I do not need the contract or amount due. QUIT BEING CHILDREN BY PLAYING WORD AND PAPER GAMES!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax Credit Reporting Agency!!! still report inaccurate/incomplete negtive information on credit report!! 
Wilfully continues to reporting inaccurate personal identifiers Also have no account numbers on any of the account listed, How would I determine what business or account referring to.

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

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, DEPT OF EDUCATION/XXXX Account # XXXX, XXXX & XXXX Account XXXX XXXX, XXXX XXXX  Account # XXXX, DEPT OF EDUCATION/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. Code 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any 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 non-monetary relief
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, DEPT OF EDUCATIONXXXX Account # XXXX, XXXX & XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, DEPT OF EDUCATION/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. Code 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any 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 non-monetary relief
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Reporting act 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 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 2022-05-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Received a HELOC in XXXX with XXXX XXXX. They were closed and the loan was transferred to XXXX XXXX. They transferred the loan to Ocwen, which later became PHH Mortgage. In XXXX we fell behind in payments and could no longer make the payments. I tried to negotiate with them but they declined to help in any way. In XXXX of XXXX I received a 1099C Cancellation of Debt dated XX/XX/XXXX ( Attached ) Until late XXXX ( almost 7 years later ) I did not receive anymore communication from anyone until I started receiving letters of transfer to other lenders, first it was Ocwen to PHH Mortgage, then PHH to XXXX XXXX XXXX, the XXXX XXXX to XXXX XXXX XXXX. I contacted PHH to question them on how a debt that they cancelled was now being transferred ; I have yet to get an answer to that question. I have been emailing and phoning them for months. They also emailed me a Release of Mortgage that was generated a few days ( XX/XX/XXXX ) after the 1099C was issued but was missing information. ( Attached ) We sold our home in XXXX of this year and were made aware of the court record showing this debt. Our credit reports never showed this as an open mortgage. The debt was paid in full in XXXX with our equity in our home of 25 years. I want to know if this was legal, how can a lender cancel a debt and 7 YEARS later transfer that debt to another lender after they took credit for the cancellation? Generate a Satisfaction of Mortgage, send it to me and then years later say it was a mistake.

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

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Possible Financial Inc
State: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation