vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-09 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: NC

Complaint narrative:
After trying to access my consumer report to open another dispute, I was prompted to Chat with an agent. I explained that I noticed some unauthorized information on my consumer report that I would need removed under 15 USC 1681-3.Transunion assumed this role XXXX my express permission or consent. Transunion did not respect my right to privacy under 15 USC 1681 XXXX and they neglected to exercise their grave responsibility. They had no permissible purpose to tamper w/ my consumer reports. I have been embarrassed and discriminated against due to their negligence. I was denied a home loan for {$320000.00} for a new home for my family in XXXX due to their inability to protect me the consumer. They willfully input inaccurate information and caused irrefutable damage not only financially but emotionally. Attached is the chat with the agent, XXXX, who confirmed that Transunion had neglectfully mixed my consumer info with other consumers. 

( a ) Accuracy and fairness of credit reportingThe XXXX makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2022-08-09 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX 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

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 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Checkr, Inc
State: IL

Complaint narrative:
Hello. 

My name is XXXX XXXX. I have a problem with a background checking company named " Checkr '' ( Checkr.com ) Checkr.com posted unauthorized, and incorrect background information about me ( from 29 years ago ) to my employer ( XXXX ). 

I was on my XXXX XXXXXXXX XXXX XXXX  with XXXX. I XXXX  for the 5years ago ( 5star ratings ) for about 14 months. And recently I re-applied about 13 months ago. I was XXXX  ( part-time ) for about a year. ( all 5star ratings ) and then... 

Just last month, mysteriously, XXXX performed a random background check on me. And a XXXX  from 29 years ago was posted from their background checking company ( Checkr.com ) XXXX deactivated my account. I lost wages. I have not driven for XXXX in over a month. ( I had a XXXX XXXX XXXX ) I filed a complaint with Checkr.com. It is in dispute right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2022-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc.
State: SC

Complaint narrative:
I receive a notice of collection from ARM Resolutions in CA for a subscription with the XXXX XXXX. I never had a subscription with the XXXX XXXX. This better not damage my credit in anyway. This is a complete fraud and I will follow up with a complaint to the XXXX XXXX XXXX also.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I sent in a XXXX request to have my PMI removed at the end of XXXX to JP Morgan Chase. I called to make a payment for this request over the phone on XX/XX/22 and was told this payment was linked to my request. I called again on XX/XX/22 since I had not received a call from an appraiser and was told my request had not been put in. I was then told that my request would be escalated and was given a confirmation #. I received a letter from Chase on XX/XX/22 stating my request had been received and if I did not receive call in 7 days to call Chase. I did not receive a call in 7 days and called again on XX/XX/22 and was told my request was never escalated despite my confirmation #. I was told it would again be escalated and that the agent would contact me in 2 business days by XX/XX/22 after reaching out to the processor on the case. I have still not received a call from an appraiser or the agent on the case and she would not provide me with any contact information for the processor of the case or anyone else involved in the case such as the vendor for the appraisal or the company who handles the PMI.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
This place calls me all day everday from different spoof numbers. It says porfolio recovery on one of the numbers. The numbers are : 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 XX/XX/XXXX XXXX XXXX XXXX This is just the ones I am reporting, but it is more than that all day everyday.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have submitted disputes to you and waited more than the allotted time of 45 days with no response. All of you are required by law to do so. Please investigate my disputes and remove any in accuracies and deletions, please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: IN

Complaint narrative:
In XXXX and XXXX of 2022, I sent a dispute to Experian due to inaccuracies on my credit report XX/XX/2022 I got a response with no action being taken it just stated updated No changes I requested that the debt be validated or removed and that did not happen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX 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

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 2022-08-09 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
Navy Federal Credit Union hired a lawyer XXXX XXXX best of XXXX XXXX XXXX XXXXXXXX XXXX  PA to sue me for credit card I have with them that is part of an on going investigation with the U.S. Government for XXXX XXXX & Identity Theft. 

My account/card was purposely frozen or as they have it inactive status due to such actions mentioned above. Credit card and loans were submitted on credit report as a loss XX/XX/2021. As I am am unable to show any activity on creditors or VA Compensation or any government entities until further notice of clearance of said investigation completion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I had a savings account and a checking account with Bank of America. I went to use my debit card and the transaction would not go through. Now extremely frustrated I spent hours on hold only to be transferred and hung up on finally I spoke with a representative who transferred me to client protection where I was told that my accounts had been closed and that they would get back to me when they completed their investigation. They would not tell me why or give me any other information. So, I went to the Bank of America branch where I had been working with a relationship manager in setting up accounts for clients that I have in conjunction with the Deputy Director of The Department of Economic Security who together we helped clients who could not navigate through the process for many different reasons receive their PUA Benefits. All of which signed releases of information, financial agreement 's, and power of attorneys so they could deposit their first checks into my account and I would disperse the funds to them as needed and then I would take them into the Bank of America branch and the relationship manager would open new accounts for them in their name and I would transfer whatever funds they still had with me into their new account and all future payments would be direct deposit. I always went back to the same individual at Bank of America and had asked prior to doing this if it was okay with Bank of America and was told by this same person " We wont have a problem with it. '' Well apparently she was wrong, and this has gone on for just over a year. I called today and was told that it is still under investigation. I told the Representative to go and look at our company website where we have pictures posted of giving an award to the Deputy Director of the Department of Economic security for his and his assistants help in changing lives for the better which is what I strive to do every day in helping my clients fight XXXX XXXX. This is not right one of the deposits that they are holding was my direct deposit paycheck! How can that be investigated. 
Please help me get this resolved, Best regards

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 2022-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland funding, LLC At XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX Has been sending me collection notices in the amount of XXXX the collection has been reported as pasted due balance. I do not know This company.this company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/22, XXXX XXXX XXXX XXXX for XXXX XXXX closed a savings account, # XXXX, where XXXX was primary account owner. The account had {$77000.00} in it and XXXX XXXX, XXXX XXXX, informed XXXX that a cashier 's check would be issued to the XXXX, XXXX, location at XXXX XXXX  XXXX XXXX XXXX XXXX Ca, XXXX, once the savings account reached the top of the queue and processed within 10 -15 business days. XXXX reassured XXXX that that account was in transition to close and that no one could make further transactions on the account. 

However, on XXXX, XXXX XXXX XXXX a secondary account holder was able to make two transactions on the savings account, despite reassurance from XXXX. XXXX contacted the phone bank and transferred {$2000.00} from the savings account. XXXX told the phone banker that the account had been stolen. The phone banker did not read the various case file account notes regarding the primary account holder closing the savings account. XXXX instructed the phone banker to send the cashier 's check to his address in XXXX XXXX, Ca. 

On XX/XX/22, XXXX was informed by XXXX that she could not stop the cashier 's check from going out and being cashed by XXXX and that there was nothing she could do. She stated that the cashier 's check could not be frozen, retracted or flagged to prevent it from being cashed. XXXX stated that XXXX needed to hire an attorney to recoup the money.

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 2022-08-09 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: MS

Complaint narrative:
XXXX Account number XXXX 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
- 15 U.S. Code 1681a - Definitions ; rules of construction ( e ) The term investigative 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 others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
- 15 U.S. Code 1681n - Civil liability for willful noncompliance ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. = damages on business loans because of the information you provided on my credit report

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 2022-08-09 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: IL

Complaint narrative:
On XX/XX/2022 XXXX PM Equifax issued a national announcement stating that Equifax issued wrong credit scores for millions of consumers. Due to this I am not disputing but demanding that Equifax remove any and all erroneous accounts on my consumer report for the failure of consent and privacy per 15 U.S. Code Subchapter II - FRAUDULENT ACCESS TO FINANCIAL INFORMATION. Additionally, Equifax failed to exercise their grave responsibilities, they were unfair, impartial, and did not respect my right to privacy per 15 U.S. Code 1681a - Definitions ; rules of construction & 15 U.S. Code 1681b - Permissible purposes of consumer reports Lastly, never instructed them to furnish this report or to create this report and never consented to this report in the first place per 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports

Company response to consumer: Closed with explanation