vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Ronald B. Rich & Associates, PLC
State: MI

Complaint narrative:
THE COMPANY RONALD B RICH AND ASSOCIATES DEBT COLLECTIONS PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION ACCORDING TO 15USC 3002 i AM AN NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The term " Bureau '' means the Bureau of Consumer Financial ProtectionXXXX, XXXX, XXXX, and XXXX are assumed to be credit Bureaus and their is only one Bureau and that is athe Consumer Financial Protection Bureau. On XX/XX/1933. Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction, and whereas the existing emergency has disclosed that provisions of obligations which purported to give the obligee a right to require payment in gold or a particular kind of coin or currency... are inconsistent with the declared policy of congress ... in the payment of debts. This resolution declared that any obligation requiring " payment in gold or a particcular kind of coin or currency, or in anmount in money policy, and ... Every obligation heretofore or hereafter incurred, shall be discharged upond payment, dollar for dollar, in any coin or currency, or which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term investigative consumers report '' means a consumer report or portion thereof in which information on a consumer 's charater, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, freinds or associates of the consumer reported, on or with others with whom he is acquainted or who may have knowlege concerning any items of information. Pease see attached documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Regarding loan XXXX -May XXXX XXXX, I was told to give a LOE about a " late payment within XXXX XXXX '' shown on my credit report I responded saying I did not see such thing on all XXXX of my credit reports. I also sent the signed docs stating so as requested from my loan officers. 

-XXXX XXXX  I called BOA 's home loan servicing asking if a late payment was reported anywhere. The rep looked at my loan history, and confirmed none was found. 
XXXX XXXXXXXX, I received the loan history from BOA which I forwarded to my loan officers. 

-Still no update as to when my late payment was. XX/XX/XXXX, I spoke to XXXX from home loan servicing, and she said she can not put in a formal dispute without knowing a date. I alread kept asking repeatedly when was the late payment so I can relay the message to home loan servicing so they can investigate. 
I looked at my XXXX credit report, and found out that, in XX/XX/XXXX, the payment showed as " NA- not applicable payment history '', which was different that the other items. Therefore, I asked the rep to open a case for XX/XX/XXXX. The case number is XXXX -Still no update as to when my late payment was. On XX/XX/XXXX, I called home loan servicing and talked to XXXX XXXX who said BOA 's loan officers can contact them directly asking for more details. 
-Missed a call from XXXX XXXX XX/XX/XXXX. Received the letter from BOA about the XXXX - XX/XX/XXXX, my loan officer called saying my application got declined, stating that last Thursday XXXX she was told of when my late charge was. The entry was back in XX/XX/XXXX, where it showed " bad check reversal ''. This information is from the loan history that I received from BOA 's home loan servicing on XX/XX/XXXX. 
And this is the reason why the under writer declined my application. 

I called home loan servicing XXXX XXXX, XXXX, requesting more details on the date XX/XX/XXXX. 

On XXXX called XXXX, and left 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 monetary relief
Consumer complaint received 2022-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
My husband and I started with a covid loan deferment in XXXX to Specialized Loan Servicing and then it was switched to covid hardship forbearance that ended in XX/XX/XXXX leaving a debt of {$42000.00} that the mortgage company is demanding as a lump sum due immediately or house will foreclose. They are insisting that our only option is deed in lieu or short sale. We have applied for a 2nd independent review for a loan modification, or any other way to resume our payments immediately and have the debt deferred to the end of the loan etc. but they are uncooperative and continue to threaten foreclosure. Any assistance to resolve this matter is greatly appreciated.

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 2022-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
Multiple FRAUDULENT hard inquiries Transunion and XXXX will not delete these off of my credit report According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed! 



TRANSUNION XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Acct # XXXX and XXXX XXXX XXXX Acct # XXXX, have 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 2022-06-07 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: NC

Complaint narrative:
Transunion is in violation of the FCRA. I sent Transunion ( via certified mail ) multiple dispute requests dated XX/XX/22, XX/XX/22, and XX/XX/22. Each of those times Transunion said the results were verified or they modified the file as a result of the investigation. After 3 attempts of disputing and each time coming back verified, I exercised my rights under FCRA 611 ( a ) ( 7 ). I requested a method of verification along with a re-investigation. I stated that any automated response or e-Oscar verification was unacceptable. I listed the accounts in question and sent that request via certified mail on XX/XX/22. FCRA 611 ( a ) ( 7 ) provides A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Transunion did not comply with my request for method of verification. On XX/XX/22 I sent Transunion another letter via certified mail asking them to delete the accounts in question based on their lack of compliance with the method of verification. I asked them to do so within 15 days of receiving that letter. Transunion received that letter on XX/XX/22. As of XX/XX/22 those items remain.

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 2022-06-07 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: KS

Complaint narrative:
Multiple FRAUDULENT hard inquiries XXXX and Experian will not delete these off of my credit report According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed! 



XXXX XXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX  ( Miscellaneous ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXXXXXX  ( Bank ) XX/XX/XXXX EXPERIAN XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian 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 - XX/XX/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 non-monetary relief
Consumer complaint received 2022-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX 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 2022-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

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

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX 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 explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I have contacted the company XXXX XXXX directly, as well as the Collection Agency -Credit Collection Services . which is they are using. They are trying to collect a debt in the amount of {$2300.00}. I contacted both these companies in XXXX of this year ( 2022 ), to explain this this account is not mine. The account was supposedly opened in XXXX 2022. When speaking to the person at the Collection Agency, the debt is not even under my current name, but rather my maiden name which I have not used in over 21 years. The address that is listed for the account is also an address which I have never lived at.I have not heard back from either company. I have NEVER received any correspondence pertaining to this account, either by mail, phone or otherwise. This is the second time my name is being used fraudulently, as an application for unemployment was also filed under my name last year, which I also reported but never heard anything back. I have also been in contact with the credit score companies regarding this, and they continue to claim that this information is accurate, which it clearly is not. I do not even know what kind of company this is, but I think maybe cable or cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # XXXX and XXXX XXXX XXXX Acct # XXXX, have 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 2022-06-07 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Acct # XXXX and XXXX XXXX XXXX Acct # XXXX, have 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 2022-06-07 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: GA

Complaint narrative:
This company is showing that i have a late payment and i have never had a late payment with them Also this company has dropped my credit score XXXX points I have never had a late payment before in my life and need this removed immediately

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 2022-06-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This company is showing that i have a late payment and i have never had a late payment with them Also this company has dropped my credit score XXXX points I have never had a late payment before in my life and need this removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: GA

Complaint narrative:
This company is showing that i have a late payment and i have never had a late payment with them Also this company has dropped my credit score XXXX points I have never had a late payment before in my life and need this removed immediately

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 2022-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # 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 2022-06-07 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: NY

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # 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 2022-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I just downloaded and registered for Venmo. I received my first transfer of money from a trusted source. She tries to send me more money for cleaning services but it shows " error and transaction could not be completed '' I also tried to link my bank account so i can transfer what was sent to me previously, but Venmo FROZE my account because of violation of user agreement. i called support and they told me they were not authorized to explain to why.Which doesn't make sense. How can i prevent this from happening again if I don't know what i did in the first place to have my account frozen? Very very frustrating!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-07 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: FIRST ADVANTAGE CORPORATION
State: CO

Complaint narrative:
Hello, on the FirstAdvantage background check a variety of things seem to be incorrect. The XXXX i'm applying for is in Colorado not XXXX florida, and the criminal record on file is for a XXXX XXXX XXXX, my name is XXXX XXXX XXXX, and do not have a record of any criminal activity and have never even been to the DC area. I would ask that this issue gets fixed as soon as possible please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Comenity Bank has called me directly in the past and I sent them a letter in writing to cease calling me about the debt, approximately 60 days ago. They have ceased calling me directly but over the past 30 days have begun calling my family members and explained they are attempting to " locate '' me. Today I was there when they called my wife 's cell phone and so I spoke with the representative and reviewed the fact that I have informed them to stop calling me about the debt. The representative told me that they only had record of being told to stop calling me directly, but nothing in writing about calling my family members. That is false and also debt collection harassment.

Company response to consumer: Closed with monetary relief