vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-02 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:
I am consumer XXXX XXXX and I'm reporting EQUIFAX who has continuously reported my private nonpublic information without written my consent and did not have PERMISSIBLE PURPOSES to so so. My private information was and still is compromised in the 2017 EQUIFAX DATA BREACH. EQUIFAX has caused the consumer grave harm and financial hardship. EQUIFAX has committed identity theft by reporting, selling, and furnishing my private information without my written consent. Harm has been caused before my information was in the data breach and the consumer will forever be harmed knowing my private information has been breached do to the noncompliant and willful negligence by EQUIFAX. EQUIFAX has violated my privacy, has violated my consumer rights pursuant to the Fair Credit Reporting Act. EQUIFAX has a fiduciary duty to protect my private information if they had my consent in which they did not. EQUIFAX did not have my consent and they failed to protect my private information. EQUIFAX also violated the Gramm Leach Bhilely Act 15 U.S.C. 6809. Consumer is sick and stressed out every day do to worrying about my privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On about XXXX XXXX XXXX I recieved a letter from Bank of America stating that they resolved the dispute in my favor for the amount of XXXX which they said they issued to me.. I have not yet recieved that money I called to fix this but they keep telling me that they will resolve it and havent I am homeless I really need this help

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 2022-12-02 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: TX

Complaint narrative:
EXPERIAN XXXX. IS REPORTING ADVERSE, INACCURATE, FRAUDULENT INFORMATION TO XXXX XXXX XXXX REPORTS AND THE CONSUMER IS INCURRING INJURY OF DEFAMATION TO THE CONSUMER 'S CREDIT REPORTS AS WELL AS PHYSICAL, MENTAL PSYCHOLOGICAL CONSUMER IS IN DISPUTE OF ALL NEGATIVE INFORMATION! THERE WILL BE NO AGREEMENT UPON ANY ADVERSE INFORMATION WITHOUT MY CONSENT BEFOREHAND! AS WELL AS FINACIAL DAMAGES WITH INVASION OF PRIVACY 15 U.S.C. 1681 A4, NON REMOVAL OF NEGATIVE INFORMATION WHILE UNDER INVESTIGATION - 15 U.S.C. 1681IA [ 1a ] as well as FALSE IMPERSONATING OF ADVERSE COLLECTORS IN VIOLATION ADDED TO THE CONSUMER 'S REPUTATION AS AS A PRIME CONSUMER INDUCING NEGATIVE CREDIT RESPONSES. THE. CREDIT AGENCY KNOWN AS EXPERIAN IS ENTIRELY RESPONSE AS INDUCERS OF ADVERSE PARTIES WITHOUT CONSENT OR CONTRACT BEFOREHAND! THE CONSUMER 'S " CREDIT WORTHINESS SHALL ALWAYS BE AT " MAXIMUM ACCURACY POSSIBLE '' AS GUARANTEED BY FCRA, FDCPA, FTC, DODD - FRANK ACT. I AM " JUDGEMENT PROOF '' ADVERSE PARTIES WILL BE CALLED TO FEDERAL COURT UNDER 15 U.S.C.1681 AS WELL AS FDCPA & FTC VIOLATIONS!! DELETE ALL PARTIES!

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 2022-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: United Collection Bureau, Inc.
State: TX

Complaint narrative:
I do not know who this collector is. They are harassing family members. They say they are with 'united '. I've never heard of this company and do not know the reason they are calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: NAVY FEDERAL CREDIT UNION
State: KY

Complaint narrative:
On or about XXXX or XXXX I purchased a prepaid " credit card '' from Navy Federal Credit Union. Even though this was my money initially it was XXXX of my money, my funds, I closed out this card in XXXX with a balance of XXXX of my money that I put on it, it was a pre paid card through Navy Federal Credit Union. This Credit Union put this pre paid card in collections, and then it turned into a charge off? I asked numerous times why would you put a pre paid card in collections especially a charge off? Your answers were above and beyond stupid!!! Your answers to me were " well whatever was left on your card when closed it in XXXX went into your savings account? '' REALLY NAVY FEDERAL then how come I am getting a statement once a month with {$10.00} in my savings account? I paid the XXXX knowing that was wrong, your slacking Navy Federal, I asked for a letter of paid off balance with my own money, I have been run in circles, how hard is that Navy Federal, no wonder you have had several civil law suits against you, you were shady in the early XXXX and your still shady. YOUR ANSWERS TO WHY YOU PUT A PRE PAID CREDIT CARD IN COLLECTION THEN CHARGE OFF, BOGGLES MY FREAKING MIND, AND YOUR ANSWERS ARE RICDICLOUS!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Fraudulent online transactions occurred to our checking account by use of our debit card number # XXXX : To : XXXX XXXX Date : XXXX/XXXX/2022 Amount : {$1900.00} Time : XXXX To : XXXX XXXX Date XXXX/XXXX/2022 Amount : {$3.00} Time : XXXX I filed a claim for fraudulent transactions XX/XX/2022. XXXX XXXX amount refunded by Citibank. XXXX XXXX transaction claim has been appealed twice and denied twice.

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 2022-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
US department of education XXXX It says owed {$2300.00}. I did not authorize this account. I dont know who opened this account in my name.

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 2022-12-02 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: AL

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 has violated my rights. 
XXXX & XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX # XXXX has violated my rights. 
XXXX # XXXX has violated my rights. 
15 USC 1681 Section 602 A 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 written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: AL

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 has violated my rights. 
XXXX & XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX # XXXX has violated my rights. 
XXXX # XXXX has violated my rights. 

15 USC 1681 Section 602 A 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 written consent.

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 2022-12-02 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: AL

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 has violated my rights. 
XXXX XXXX XXXX XXXX  # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX # XXXX has violated my rights. 
XXXX # XXXX has violated my rights. 

15 USC 1681 Section 602 A 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 written consent.

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 2022-12-02 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: FL

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , for committing identity theft. I have never given XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

I have not validated any alleged debt with XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX any right to collect on this alleged debt. 
I have never received any documentation requesting validation from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX , can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , continues its collection efforts, I will file for litigation for actual damages caused and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion , theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

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 2022-12-02 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: MD

Complaint narrative:
I submitted a dispute to all three credit reporting agency and the results are as follow XXXX- the dispute was open on XXXX  they responded saying that they update the account to reflecting a new date of XX/XX/XXXX which is the reason I filed dispute in the first place they are re-aging the account Transunion reopened the account as of XX/XX/XXXX which was original closed in XXXX XXXX XXXX how could they reopen account that was reported closed and charged off by the original creditor. 

XXXX is also re-aging the account reflecting that the account is opened as of XX/XX/XXXX All three companies are violating my rights with re-aging this account in which I did get a response from the original creditor XXXX XXXX XXXX  which does not show where they sent any info to these credit reporting companies to re-age accounts. 
I don't think that these companies did an accurate job in investigating this dispute they never sent me anything about how the investigated or what process they used to investigate.

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 2022-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Letter is in the upload. Citizens owes me thousands that they should have applied to my mortgage and they kept the money and are threatening foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days

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 2022-12-02 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: KY

Complaint narrative:
The following hard inquiries should be deleted. Inquiries : 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

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 2022-12-02 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: KY

Complaint narrative:
The following hard inquiries should be deleted. Inquiries : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Sunlight Financial LLC
State: VA

Complaint narrative:
on XX/XX/2022 the know XXXX XXXX XXXX installed a ground mount solar system at my address consisting of of 26 400 watt sil fab solar panels and XXXX  components ( cost XXXX ) the system was installed improperly as per XXXX XXXX ( XX/XX/2022 ) and the system was never given permission to operate, the system has not produced one once of electricity, but I am expected to pay for the system? prior to this before installation the salesman promised me at least XXXX XXXX electrical off set XXXX $ cash back just for going solar ( never received ) and promised I would receive a large check from the XXXX XXXX XXXX that would drastically reduce my payment on my loan and recommended that I put that towards my loan or my payment will go up an extra XXXX dollars a month after 17 months, ( Balloon payment ). the initial loan was brokered by Sunlight financial whom does not currently have a license to do business in the state of Virginia were I live. I never received an option to cancel and did not receive the true information about the tax credit until after I signed the paperwork several days later, from this point my loan was sold to XXXX XXXX XXXX XXXX and ( they have not provided me with any loan paperwork either ) see previous complaint that I filed and was closed. XXXX  XXXX was unwilling to work with me at the time and are currently expecting payment for a derelict system that does not work and was not delivered as promised I believe this could fall under serval circumstances 1 Holder rule 2 Lemon law 3 Fraud XXXX XXXX has had a law suit against XXXX since last year and have known of the problems or potential problems due faulty installation and potentially faulty products yet the still installed this systems anyway I did not have to be involved in this mess XXXX  XXXX  and sunlight financial new exactly what they were doing ( a time line can easily prove this ) for the love of money and greed ( FRAUD ) many people are involved in this mess and it should have never happened I feel these companies ran individuals credit saw what it could bare and priced the systems they sold to me and many others for as much as they could get out of us and left us with junk there is defiantly a pattern here thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: ND

Complaint narrative:
Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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 XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX US DEPARTMENT OF EDU XXXX XX/XX/XXXX DEPT OF ED/XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX A- States I have the right to privacy. 

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION

Complaint narrative:
On XXXX XXXX 2022, USAA Savings bank locked my accounts without warning. They have been locked for a week. I have contacted them XXXX times and no one will provide me a reason for why my accounts have been frozen, or when they will be unfrozen. I currently do not have any access to my funds. The last response I got was on XXXX XXXX 2022 saying that they would initiate another review to see if my funds could be released. However, since it is a weekend the earliest I could get access to my money would be Wednesday XXXX XXXX. I have bills that have come due and others that will continue to come due as USAA continues to withhold my money from me iwithout reason.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation