vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-14 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: MD

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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: MD

Complaint narrative:
XXXX XXXX Account # XXXX has been published without my written or verbal consent which violates my privacy and multiple laws pertaining to thus. 

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.

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 non-monetary relief
Consumer complaint received 2022-05-14 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: MD

Complaint narrative:
XXXX XXXX Account # XXXX has been published without my written or verbal consent which violates my privacy and multiple laws pertaining to thus. 

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.

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 2022-05-14 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:
Im having an issue with XXXX XXXX  XXXX  they added escrow to my account despite me being XXXX XXXX XXXX XXXX veteran making me XXXX exempt from the taxes on my home. I have talked to the company and they have agreed to to fix my credit report from showing 2 missed payments which is killing my personal credit. Equifax did an investigation into my mortgage payments being flagged as 2 missed payments delinquent and didn't change anything despite the information being incorrect on my credit report. I have never missed a payment on my loan and asked them to fix the situation. I already spoke with the mortgage company about this now I'm looking for a quick resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 00:00:00
Product: Credit card or prepaid 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Placed a large order with XXXX on XX/XX/XXXX. 

Did not receive items, and rock auto customer service was not helpful, only referred me to XXXX tracking, XXXX tracking shows the items delivered to different city, not the city I specified in order confirmation, which is XXXX XXXX NY XXXX. No GPS location provided by XXXX in delivery confirmation. Or person left with, just saying dropped off to XXXX, the address XXXX XXXX XXXX  is in an apartment building with security, delivery couriers cant actually get to my door, so saying it was dropped off to my door is false, and nothing was left in the mail room for my building. There are XXXX buildings on my street ( XXXX XXXX ) and there is no indication on the tracking showing what building it was dropped off to. Citi Bank denied and tried to close my dispute until I requested them to reopen the case today XX/XX/XXXX with a letter I sent to their billing dispute email address.

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 2022-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC
State: KY

Complaint narrative:
I have disbuted this debt, in return they threatened to sue and damage my credit. They resubmitted to the credit companies as a new debt in XXXX. Any collections I did have on my account were from XXXX and greater. I did not open any accounts until XXXX with XXXX XXXX. I have no knowledge of a XXXX account. They are repeatedly calling me all hours of the day 7 days a week at home and at work. They mail me papers requesting I file a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I made a deposit of XXXX dollars into my Ally bank account on XX/XX/2022 and the funds were made available XX/XX/2022. Once the money was in my account I transfered the money to my property manager on XX/XX/2022 for past due rent. For some reason that action caused them to freeze my account. I have been calling daily and getting no answers. When it first happened I spoke to someone in early XXXX that claimed they just needed to verify my check and then my account would be unlocked in 5-10 business days. Its been over 2 weeks now and I still have no answers. Its the only bank account I have and with no access to my money Im worried that my power & phone will be shut off soon. Im not sure why I am being treated like a criminal, the check was from the state of california so I dont understand why my account was frozen over it.

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 2022-05-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Do not recognize these Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Noticed my credit score dropped and looked into it, realized an account was showing an account in collections that i had not opened. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA With a balance of {$1300.00} and original creditor noted to be XXXX XXXX 

I called Experian and was told that the account was opened in XXXX. I have never lived in XXXX and did not authorize anyone to open an account. I have live in my current home since XXXX  and have not live elsewhere since XXXX. 

I started a dispute report with Experian and received an email today that they verified the account as accurate. 

Not sure what else i need to do to prove that this account was not opened by me or authorized by me. Please let me know what more i need to do to get this off 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 explanation
Consumer complaint received 2022-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
LCI Lundquist Consulting Inc. Is a third party used by Transunion to verify public information about consumers. The fact that LCI reports information on consumers to another part makes them a Credit reporting agency or at the very least a consumer reporting agency bound by the Fair credit Reporting Act. Upon contacting LCI  on XX/XX/2022 I was advised that I am not able to dispute information with this company that I can't freeze any information that they provide other 's about me. All companies that provide information to other companies for the purpose of decision making with regard to credit, employment, housing and so forth are held under the laws of the FCRA.

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 2022-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Dear CFPB, This message is in regards to complaint CFPB XXXX, which was wrongfully closed without the opportunity for me to respond. 

I request Goldman immediately revoke their false credit reporting and to refund me the outstanding funds. Goldmans response shows definitively that they willfully and knowingly violated the FCBA ( Fair Credit Billing Act ).

First, Goldmans response here to the CFPB, and ONLY here in their response to the CFPB, includes a reason for they used to close the dispute as well as evidence they contacted the merchant. An examination of XXXX claims XXXX, XXXX, and XXXX, and all chats, phone calls, emails, and letters received by me from Goldman shows clearly no mention of this reason not evidence. In fact, XXXX  claims XXXX, XXXX, and XXXX specifically request such evidence and reason. Goldman has therefore knowingly violated the FCBAs requirement of timely delivery of a reason and evidence for charge disputes. 

Second, by Goldmans own admission in their CFPB response as well as in my communications with them on XX/XX/XXXX, I am not a debtor to Goldman. In fact, my account has never since XX/XX/XXXX been in debt and actually carried a net credit in my favor. Moreover, I have made several notifications to Goldman that the check they sent was never received, and Goldman was aware of the status of the check at the time they reported the account to credit bureaus. Therefore, Goldman has knowingly made a false claim under the FCBA of an overdue account.

Thirdly, I have previously made a report of Title VII discrimination to Goldman for their continuous stonewalling and harassing behavior towards me during my attempts to resolve this issue. Since Goldman has engaged, wrongfully, in debt collection activities when they knowingly had the funds in an uncashed check available to them, I am hereby making a new Title VII claim of discrimination : Goldman knowingly chose to engage in acts to harm my credit ( the wrongful report of debt ) when they actually had the contested funds and did so because of my last name and ethnicity.

Goldman must cure their violations of the FCBA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
I have notified Flagstar Bank that I would like to pay my own property taxes and isurance, i do not have PMI, and filled out all their paperwork to get this removed, yet they are still making me pay into escrow regardless that they will not pay my property taxes. 

At first i was refunded almost $ XXXX the amount in my escrow account, but the last payment they made for my home owners insurance put me in the red, by about {$300.00} for my escrow account. I am not sure why they refunded me that amount and did not keep enough to cover this final payment to my home insurance company. So i made the complete payment, paying off the negative amount and putting me over by about {$700.00} in my escrow account. They have notified me that i am responsible for my property taxes and insurance. which is fine, but when i go to pay my mortgage for XXXX, it still shows that i am still paying into my escrow account. I am unable to get anywhere with their customer sercvice and pay the amount shown as i do not want to pay any late fees or get a bad mark on my credit. Can you help me? basically they are holding on to my money for free... I have really good credit and don't want to take a chance but can't understand why they won't reduce my payment to reflect that i am responsible for paying property taxes and home insurance. thanks.

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 2022-05-14 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: MD

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

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

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish 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 2022-05-14 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: MD

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604A section 2 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 explanation
Consumer complaint received 2022-05-14 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXXXXXX 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 XXXXXX/XX/XXXX, XXXX  XXXX  XXXX  XX/XX/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 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 Show less

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 2022-05-14 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: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, ( XXXX, XXXX ), has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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: DISCOVER BANK
State: KY

Complaint narrative:
Paid balance in full according to company I paid afrer being theatened to be sued. Shows on credit report as settled for less than amount owed. They will not correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 604 A Section 2 : It also stated 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 an open end consumer credit plan as late for and purpose.

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 2022-05-14 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act, 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 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 2022-05-14 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: MD

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

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

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish 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 explanation