vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-21 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX. I am filing a complaint I have an account that is showing me at 30-60 days late and at the time my income was affected by the Pandemic cutbacks. I am aware that the CARESACTwas allowing for consumer protection under the CARES act with creditors offering accommodations. I have on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX are showing late pays I have since paid my account off in full and I would like my account to reflect the current status to help protect the integrity of my credit profile. This late pay has seriously HURT my score and stoping me from closing on a loan that I need for my home. I am asking for a onetime forgiveness for the Late pay to be removed so I can move forward with my Loan.

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 2022-08-21 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: TX

Complaint narrative:
Equifax and XXXXXXXX XXXX you both verified this closed account XXXX account XXXX, Equifax AccountXXXX both different account numbers please reinvestigate your verification UNDER 15 U.S.C. 1681 a { e } please give me your verification you must have the information The law is the law and you have to follow the law REMEBER 15U.S.C.1681a { e } enclosed are my documents { 30 day by law } these accounts listed are Closed accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I've been trying to get the PMI removed from my mortgage for almost two months and get nothing but form letters and dead end phone calls. Freedom Mortgage requested a XXXX dollar payment for a BPO to establish value. That XXXX dollar check was sent for a BPO certified mail on XX/XX/XXXX. I called to confirm receipt on XX/XX/XXXX and was told the check was cashed and I a written response was on its way. Freedom sent me a letter dated XX/XX/XXXX saying PMI could not be removed there needed to be a BPO. THE SAME LETTER THEY SENT IN XXXX! THE SAME LETTER I RESPONDED TO ON XX/XX/XXXX! This has been going on for two months now. Nobody on the costumer service line can help as the actual decision makers are not customer facing. So you call ask for help and are told to write the company or submit your request via the website which simply produces another irrelevant form letter.

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 2022-08-21 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
What happened was I had account with bank of America for more than 20 years, never was offered any products from them, was denied credit cards personal and car loans, others people that i knew haven't been a citizen in US and some were not citizens have gotten credit card personal loan, it must of been minority community, the zip codes, My salty was more than XXXX XXXX back then, now it's around XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX the Same, it's shameful

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 2022-08-21 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
XXXX and USAA Banking you both verified this closed account XXXX XXXX XXXX, XXXX XXXX both different account numbers please reinvestigate your verification UNDER 15 U.S.C. 1681 a { e } please give me your verification you must have the information The law is the law and you have to follow the law REMEBER 15U.S.C.1681a { e } enclosed are my documents { 30 day by law } these accounts listed are Closed accounts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CO

Complaint narrative:
On the morning of XX/XX/XXXX, I was scammed via XXXX XXXX. I was selling a loveseat online for XXXX. XXXX XXXX reached out to me saying that he wanted it and asked if Zelle would be okay. He sent me the XXXX and sent me the screenshot. I then got an email saying that the payment was pending but the buyer had to send me an additional XXXX for my account to be upgraded to a business account. He said he would send it if I would promise to send it back, I agreed. Once he sent me the XXXX I sent it back, but never got any of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX. I am filing a complaint I have an account that is showing me at 30-60 days late and at the time my income was affected by the Pandemic cutbacks. I am aware that the CARESACTwas allowing for consumer protection under the CARES act with creditors offering accommodations. I have on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX are showing late pays I have since paid my account off in full and I would like my account to reflect the current status to help protect the integrity of my credit profile. This late pay has seriously HURT my score and stoping me from closing on a loan that I need for my home. I am asking for a onetime forgiveness for the Late pay to be removed so I can move forward with my Loan.

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 2022-08-21 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: LA

Complaint narrative:
I sent a letter off on XX/XX/2022. Here are my tracking numbers : XXXX ( XXXX ), XXXX ( XXXX ), and XXXX ( EXPERIAN ). To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681, I have the right to privacy. Also, according to 15 USC 6802, no financial institution is supposed to share my information to any third party. 

These are clear violations of my federally protected consumer rights.

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 2022-08-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
I called Comenity Bank to pay off my loan with XXXX on XX/XX/2022. Multiple times throughout this process, I was pitched " promotions '' and even told I could not pay off the loan at that time. Finally, the Customer Support Representative allowed me to pay off the full balance of the loan, after I threatened to complain, and was told the entire balance of the loan was removed -- that there would be no further charges. Fast forward to XX/XX/2022, and there are multiple interest and finance charges totaling {$29.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-21 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 has violated my rights. 

15 U.S.C 1681 Section 602 A states I have a 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 2022-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I opened a checking account with Citibank and was approved. I set up direct deposit. XXXXour days later they send an email saying they are closing my account in ten days due to a report from early warning services ( which should be done before approval ). My pay check had already been sent there for deposit. Once it showed in account I tried to withdraw, and also tried to wire the money back to myself. When I tried they would ask for info to check information and then say it doesnt match and they cant help ( but it is my info ). Told I will receive a check in 90 days. I can not wait 90 days. I filed a complaint with XXXX and get an email back from them that was XXXX help. It was just a copy of their policy saying they have the right to close account. Of course, I just want my money so I dont get further behind. There are numerous reviews online of this happening to lots of people. Their customer service is out sourced and doesnt understand the situation.

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 2022-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I so two weeks ago I fille an investgtion with Equifax to remove the inquires off my credit report. I didn't authorize any company 's to run my social security number. So if you can help I would be most grateful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX had a open closed case with me and is report Three accounts to all three credit reporting agency XXXX, XXXX and Transunion that was voluntary dismissal WITHOUT prejudice. This has affected me where as i could not get a refinance loan.

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 2022-08-21 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: LA

Complaint narrative:
I sent a letter off on XX/XX/2022. Here are my tracking numbers : XXXX ( XXXX ), XXXX ( EQUIFAX ), and XXXX ( XXXX ). To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681, I have the right to privacy. Also, according to 15 USC 6802, no financial institution is supposed to share my information to any third party. 

These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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 XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 Section 602 A states I have a 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 2022-08-21 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 XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 Section 602 A states I have a right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Companies have used my information to create or open accounts I did not authorize. Also they have sold accounts I have not authorized claiming I owe the debt to which I do not. I have contacted these companies a number of times to get these things taken care of and removed from my credit report. 

In accordance with the fair credit reporting report XXXX  all accounts on my credit file has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish an account with out my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-08-21 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
PLEASE DELETE ASAP The following addresses are not mines ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX the following Employers are not correct ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX XXXX XXXX XXXXXXXX OH XXXX THESE TWO BANKS ARE NOT MINES I DID NOT AUTHORIZE THEM. XXXX XXXX XXXXXXXX XXXX XXXX PLEASE DELETE ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Americor Funding, LLC
State: OR

Complaint narrative:
LOSS OF BUSINESS ACCOUNT TRANSPARENCY Access to Americor web portal is denied during an ongoing debt resolution ; i.e. the process is incomplete and I have absolutely no visibility.

a ) Upon informing Americor I decided to go a different route ( i.e. I am gathering documentation for XXXX  XXXX Bankruptcy ), Americor set access to the web portal denied. 

b ) For the IT informed, error code 1020. I documented with a screen shot.

c ) I am aware the dedicated account is not static. That is, Americor already informed me how they will continue to withdraw funds I have contributed. While this may be legally permissible, my assertion is a " LOSS OF BUSINESS ACCOUNT TRANSPARENCY ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: GA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation