vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
I have a pending lawsuit against all 3 credit bureaus for their failure to accurately report my credit information.

I need 3 things to happen by the end of this month or i will proceed forward with the lawsuit. 

1. XXXX XXXX and any other derogatories need to be removed from my credit report now. These things are damaging my credit and I will seek relief if we have to go to court. 
None of the information matches on all 3 credit profiles By law the information has to match across all 3 bureaus. By law of 15 U.S. Code 1681s2 part A, I have a cause to believe this information is incorrect. I have repeatedly for years have asked for changes to made and you all refused!

2. It is illegal for my report to have late payments.

PEr law 15 usc 6802. A financial institution is not able to disclose nonpublic personal information to a non affiliated third party. You all have done this multiple times and understand there are fines that you all will pay if this lawsuit goes through.

3. You all put on my credit report that I live in XXXX, TX. 
I have never lived there a day in my life. It is illegal for a credit bureau to falsify information on a consumer credit report. This alone has impacted in me getting many denialS of credit because they couldn't verify my location. 
THIS HAS NEVER BEEN CORRECTED.

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 2023-12-12 00:00:00
Product: Credit reporting 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:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2023-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: MA

Complaint narrative:
In XXXX of XXXX I began the process to have the company remove by PMI. I finally got the company ( Freedom Mortgage ) to remove my PMI as of XX/XX/XXXX. Eleven months later on XX/XX/XXXX, they charged me {$950.00} for 11 months of PMI premium and then in XX/XX/XXXX they again charged me my monthly premium {$86.00}. I am well below the loan to value ratio which would require mortgage insurance. I am requesting the company AGAIN to remove my PMI, and to refund the premium given I have written documentation of them removing it especially given this put my escrow into the negative.

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 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: FL

Complaint narrative:
Opened US Bank XXXX checking account. Money was deposited from spouse into account. Tried to transfer money out of account to another of my business accounts ( XXXX XXXX ). US Bank responded by flagging the activity as fraudulent and closing the account without giving me any opportunity to verify the activity. 

I have reached out to the company several times since then ( been at least 60 days if not more since I was told the account was being closed ). Each time they tell me they're working on it and can not provide an estimated timeframe when I will receive my remaining balance. They are holding my money hostage.

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 2023-12-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Winthrop Financial Resources, LLC
State: CT

Complaint narrative:
Approximately in XX/XX/2022 I purchased a vehicle from XXXX XXXX XXXX located in XXXX Connecticut didnt even have the car in my possession for 48 hours until the car started to overheat also started to have serious problems so on and so forth they refused to fix it the vehicle so I took them to court I won the lawsuit for my down payment and everything else that was involved, towing fees, etc. I spoke to the bank which is Winthrop financial and I told them that how can I be held responsible for a loan when I didnt even have the property in my possession, I got the loan in an understanding that I was purchasing a reliable vehicle not a lemon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. I am a real person. I was not notified. My name is 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 2023-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America is at it again. I JUST filed a complaint on funds availability on this same account! I am a customer of theirs for over 33 years. 

I opened a new business account about a month ago. I understand new accounts are closely scrutinized - but not existing customers who have been a customer for a THIRD of a century!!! 

I made a {$7900.00} deposit about XXXXXXXX XXXX on Monday, XX/XX/XXXX. I realize this is considered a deposit on Tuesday, XX/XX/XXXX. All I ask is they follow XXXX XXXX. This means two things : 1. {$100.00} of the deposit should be available on Wednesday, XX/XX/XXXX at XXXXXXXX XXXX ( it may even be {$250.00} now. Not sure ) 2. The remainder of the deposit be available Thursday, XX/XX/XXXX. Yet, according to Bank of America, the funds will not be available until Saturday, XX/XX/XXXX due to a hold. 

Again, I have been a customer for 33 YEARS!!! I think I deserve to be treated as an existing customer! 

I have attached the following : XXXX and XXXX : A screenshot pf my account with today 's date and time, showing the hold. 

XXXX  : A front and back copy of the check for {$7900.00} deposited on XX/XX/XXXX. This check is drawn from the exact same client 's account as my two initial deposits of {$1000.00} on XX/XX/XXXX and {$380.00} on XX/XX/XXXX. 

Please get them to release my funds based on XXXX XXXX. Again, I have been a customer for 33 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 monetary relief
Consumer complaint received 2023-12-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Harris & Harris, Ltd.
State: OK

Complaint narrative:
A few weeks back, Harris & Harris , LTD called me about a debt to XXXX XXXX, one I thought I was already paying through another agency. I asked for time to sort it out. Then, a woman named XXXX XXXX with Harris & Harris contacted my husband yesterday. He was met with hostility when he asked for her to talk to me instead. She even threatened legal action. 

Today, XX/XX/23, I contacted the hospital to clarify. They confirmed that I was paying XXXX for one of their accounts and a different one was placed with Harris & Harris but that they would pull it back and allow XXXX to continue handling. 

After speaking to XXXX XXXXXXXX, I informed XXXX XXXX with Harris & Harris, but he said that they would not be taking the account back. He was extremely condescending, implying I couldn't pay the debt. I didn't appreciate it, so I responded out of character. However, I checked with XXXX XXXXXXXX, and they confirmed the company doesn't have the power to sue. The threat they made to my husband was completely false.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I do not recognize this debt collection I have asked to this collection to be removed from my credit report and the equifax and XXXX did not do as Ive asked Please help me to solve this issue because this is not accurate I am requesting this collection to be removed from my credit report because it is inaccurate Thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting 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:
I opted out of all authorization from XXXX XXXX XXXX XXXX. They are debt collection company which means the debt has already been charged off and paid to the original creditor. This is considered a certificate of indebtedness which is considered income and by law income can not be reported to my credit report. 

Privacy Act of 1974 " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ).

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 2023-12-12 00:00:00
Product: Credit reporting 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:
I opted out of all authorization from XXXX XXXX XXXX XXXX. They are debt collection company which means the debt has already been charged off and paid to the original creditor. This is considered a certificate of indebtedness which is considered income and by law income can not be reported to my credit report. 

Privacy Act of 1974 " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I placed 3 purchase with a merchant on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The merchant did not provide me with the service which led me to dispute the the transactions. The merchant themselves refunded me for the last XX/XX/XXXX, transaction. I filed a dispute with the credit card company for the other two, one of them was approved the other wasn't, when I try to Get a reason of why not, their are unable to provide me with that information and they now tell me its out of the timeframe.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT, PURSUANT TO SECTION 605B YOU MUST REMOVE THESE FRAUDULENT INQUIRIES. INQUIRIES THAT ARE FRAUDULENT ARE : XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XX/XX/2023. PLEASE REMOVE PURSUANT TO SECTION 605B.

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 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax and XXXX have repeatedly reported inaccurate information on my credit report they have two addresses that i have never lived at and are unmailable addresses. They are XXXX XXXX XXXXXXXX XXXX XXXX XXXX GEORGIA XXXX AND XXXX XXXX XXXX XXXX GA XXXX MY ONLY ADDRESS IS XXXX XXXX XXXX XXXX GA XXXX. AT THIS POINT I WILL BE PURSUING LITIGATION IF ITS NOT REMOVED AND UPDATED ACCORDING TO THE PRIVACY ACT OF 1974.PER THE FCRA AS A FEDERALLY PROTECTED CONSUMER I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION I THE CONSUMER MAY HAVE GIVEN YOU WRITTEN, UNWRITTEN VERBAL AND NON VERBAL PER 15 USC 6802 TO 6805.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting 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:
I am specifically requesting a tax statement or written confirmation that the debt associated with this XXXX XXXX  account # XXXX has been written off. Additionally, I would like to receive any supporting documentation related to the charge-off, including the official date of the charge-off and details about the subsequent resolution and reporting. BUT FAIL TO DUE SO. 

Please provide the requested information through the credit reporting agency 's secure online portal. If there are any specific forms or procedures required to process this request, kindly provide guidance on how I can complete the necessary steps. 

I appreciate your prompt attention to this matter and thank you in advance for your assistance in resolving this issue. If there are any fees associated with obtaining this information, please inform me in advance.

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 2023-12-12 00:00:00
Product: Credit reporting 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:
I have been patiently waiting on their response to the written request I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the crdit bureaus, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : Incorrect Information : XXXX XXXX XXXXXXXX, FL XXXX ; Accounts : XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  and XXXX XXXX XXXX XXXXXXXX ; Inquiries : XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX XXXX XXXX XXXX Date XX/XX/2023, XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX XXXXXXXX XXXX Inquiry Date XX/XX/2023 XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX Inquiry Date XX/XX/2023XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX XXXX  Inquiry Date XX/XX/2023 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 2023-12-12 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: NC

Complaint narrative:
Hello : How do I get my loans discharged since they are over 20 years old and I have worked for XXXX, XXXX, and XXXX XXXX as a XXXX XXXX for XXXX years? 

I have contacted my loan servicer, Mohela, on several occasions, via phone and email, requesting information on how I get my loans discharged. Today, Mohela contacted me and could not advise me how to request my students loans get discharged. Additionally, I contacted StudentAid.gov for the same reason and was told to contact Mohela. 

I am exhausted with going in circles on this issue. I need definitive information on how to get my loans discharged in their entirety. 

Thanks in advance for your assistance. 

XXXX XXXX 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 2023-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT

Complaint narrative:
XXXX Has been texting me on behalf of XXXX XXXX XXXX ( XXXX name ) They are running an internet scam. I got the answer correct to their quiz, and then send money with a promise to get a bigger return which of course never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I AM A VICTIM OF IDENTIY THEFT, PURSUANT TO SECTION 605B YOU MUST REMOVE THESE FRAUDULENT INQUIRIES. INQUIRIES THAT ARE FRAUDULENT ARE : XXXX XXXX XXXX XX/XX/2023, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE REMOVE PURSUANT TO SECTION XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I recently had a business transaction done where a customer paid me {$7700.00} for my services. CHASE WePay decided to hold these funds for 120 days from XX/XX/23. I provided them all information about my business, including invoices, etc. They decided to continue holding my payments. I do not understand why they are continuing to hold. They stated it was because of high risks of chargebacks or disputes. Since that day, I have not received any chargeback or dispute notifications for my business for that transaction. I would like my money back. This caused a lot of stress for me since the customer paid for a service and the funds never arrived to me. I also reached out again in XXXX and they gave me the same answer, that the funds would be reviewed for release 120 days from XX/XX/23. Im tired of waiting and would like the funds released.

Company response to consumer: Closed with explanation