vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-07 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: MI

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. XXXX XXXX XXXX, Transunion XXXX XXXX, an 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 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 2022-12-07 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: MI

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. XXXX # XXXX, XXXX XXXX XXXX, an Equifax 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 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 explanation
Consumer complaint received 2022-12-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX credit bureau reporting XXXX days late for Bank of America. I have contacted Bank of America about the incorrect data. They have advised me to contact the credit bureau.

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 2022-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I have asked Experian, XXXX and XXXX to remove all fraud alerts from my profile.

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 2022-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Synovus Bank
State: PA

Complaint narrative:
I reported my First progress credit card lost and requested a new one sent to me. The company closed my account without my knowledge, my credit score dropped, and its being reported on XXXX and XXXX as a closed account. My aged credit history has been effected and the company refuses to do anything about it. I do not have a new card and because its a secured credit card, they have not returned the money I used to open the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I have asked XXXX, TransUnion and XXXX to remove all fraud alerts from my profile.

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 2022-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I have asked XXXX, XXXX and Equifax to remove all fraud alerts from my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
{$3500.00} XXXX fraud Called from BofA number Sent texts ( exactly like BofA ) Called bank immediately They saw it was sent to XXXX XXXX A {$500.00} XXXX dollar institution cant go after {$3500.00} and credit me the $ after being a customer since 1988! 

I couldnt pay my mortgage that month and had to borrow money from my parents as a XXXX XXXX XXXX married woman!!! 

Its insane that BofA wont help as the scammers were using their information and must have previously worked for a bank Something has to be done to be able to recoop this money. I worked all summer ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) to earn this {$3500.00}. To poof. Gone

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 2022-12-07 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: CLGF Holdco 1, LLC
State: SC

Complaint narrative:
In accordance with fair credit reporting act this creditor has violated my rights under 15 usc 1681 section 602 states I have the right to privacy 15 usc 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 uscs 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. 

Feb-Retail XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-12-07 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: 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 2022-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I have requested Experian, XXXX and XXXX to update my personal information over and over.

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 2022-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
I received negative past due/collection notice on a XXXX  account that is not mine. Identity theft. This is not my account and I have not ever had an account with XXXX. No one will return my calls and I have disputed this account through XXXX and filled a police 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 2022-12-07 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-07 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: Prosper Marketplace, Inc.
State: CA

Complaint narrative:
I obtained a personal loan from Prosper in XXXX. The first payment was deducted from my bank account automatically. I intentionally made a second payment thinking I was paying ahead. I made this extra payment because I was in the process of relocating to another state. Therefore, I didnt want my payment for the following month to be late since I was also starting new employment. When Prosper called me the next month saying my payment was due, I asked the representative to check my account and see I made an extra payment on my account. She said she could see the extra payment but I still owed for the new month. The company began to harass me over the payment. 
I have since paid XXXX towards the balance which is approximately XXXX. But I received notification from a credit reporting agency that my credit report has a 30 day late which has impacted my credit report causing my score to drop XXXX points. Prior to this incident, I had a perfect payment status. 
I called Prosper an spoke to a supervisor. She informed me there was nothing she could do even though she verified I made the extra payment 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 2022-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I have requested XXXX, Transunion and XXXX to update my personal information over and over.

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 2022-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I have requested XXXX, XXXX and Equifax to update my personal information over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On multiple occasions particularly XX/XX/XXXX and XX/XX/XXXX Experian provided unauthorized access to my credit report to a XXXX-party debt collecting law firm, XXXX XXXX XXXX XXXX XXXX XXXX XXXX The firm claimed to obtain the report as I had applied for an XXXX XXXX or Bank Account with them, an action that is false. The firm claimed to perform this action on the behalf of a company that was merged out of existence as of XX/XX/XXXX. The firm XXXX XXXX XXXX XXXX XXXXXXXX XXXX asked for permission to pull my credit report and was told NO by me in XX/XX/XXXX, prior to the company being merged out of existence. By law they should have obtained a XXXX XXXX XXXX 's permission to pull my credit report. 

It is clear the firm lacked permission to pull my credit report as they asked for permission from me and was told no. Fair Credit Reporting Act 15 U.S.C. 1681 be is clear that permissible purpose must be held to pull a consumer 's credit report. On examination of the company the firm claims is the authority to pull the report it is clear the company 's documentation doesn't support its legal existence and that XXXX XXXX would be the entity the firm pulled the consumers report for and the consumer has never had any contract or services from XXXX XXXX. 

On XX/XX/XXXX, when this fraudulent pull of my credit report first became viewable for me to see on my credit report notes, I immediately contacted Experian to inform them I never applied for credit from this law firm and asked how they were able to access my report without my expressed permission and as it is clear from my report, they are not a legitimate creditor. I was told by Experian that this is what the firm XXXX XXXX XXXX XXXX XXXX XXXX, entered into their account and that Experian did not enter or discuss this with the firm. When the firm was contacted to explain why they pulled my credit report illegally in this matter they stated that Experian told them to use this reasoning to pull my credit report. This is a breach of my credit data from an unauthorized firm and Experian appears to have failed to protect my data. I would like Experian to explain how this occurred and what remedy they offer. As this effected my credit scores and ability to borrow at the better interest rates.

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 2022-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
Referencing case number # XXXX, American Express reversed a {$300.00} cash back reward because I didn't keep the account open for one year. When I opened the account ( see uploaded screen shots ), the requirement to keep the account open was not mentioned. It merely states that I will receive the award after spending {$3000.00} in the first 6 months. American Express fails to tell their applicants this important information on the splash page which is misleading. A requirement such as this should be made very clear upfront, similar to the {$3000.00} purchase requirement. They don't mention the 1 year requirement upfront because they want to collect the annual fee. Had I known that I had to keep the card open for a year, I would never have closed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: NC

Complaint narrative:
This is a follow up to a previous complaint. XXXX XXXX XXXX with Flagstar bank is still asserting that there was a lapse in flood insurance has Flagstar bank has not fully refunded the lender placed insurance. 

Please note THERE HAS NEVER BEEN A LAPSE IN FLOOD INSURANCE AT THE PROPERTY AS EVIDENCED BY THE ATTACHED 3 YEARS OF FLOOD INSURANCE DOCUMENTATION. 

Also please note the attached documents have been submitted to Flagstar bank several times. 

I am requesting a full refund of all lender placed insurance premiums that have been charged to my account since its inception. 

I am also requesting CFPB take action against Flagstar bank for willful refusal to refusal to refund the premiums when provided with evidence the property did not have a lapse in coverage as required by law. My family is continuing to experience financial consequences due to the escrow acct not being accurate. We have had to make additional advance mortgage payments to ensure our account is not reported as delinquent due to the payment amount discrepancies. 

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 2022-12-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have sent the consumer reporting agency several dispute letters to have my money back for violating my consumer rights 15 USC 1681. I have sent a notarized letter affidavit of truth to the consumer reporting agencies and here is my copy of what I sent.

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 2022-12-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
In XXXX, I was scammed by the merchant, XXXX XXXX XXXX in New Jersey, and reported it to Bank of America which they conducted their investigation and found it in my favor. I also informed the merchant of the request of the funds in XX/XX/XXXX. I need all copies of the documents from the Fraud Dispute Department regarding the 2 Fraud Claims because the Merchant, XXXX XXXX XXXX, is saying Bank of America never contacted him, and now in XXXX the Merchant is trying to come after me for the return of the money Bank of America Fraud Department conducted their investigation and returned the credit back to my credit card properly to me in XX/XX/XXXX. 

Transaction Date : XX/XX/XXXX Claim Number : XXXX Return Credit : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX - {$1100.00} Transaction Date : XX/XX/XXXX Claim Number : XXXX Return Credit : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$250.00} The above fraud charges are on the credit card number XXXX XXXX XXXX XXXX. 
Thereafter, a new credit card was issued to me from Bank of America from the same account 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