vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-10 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: TX

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2023-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc.
State: FL

Complaint narrative:
I received a notice that XXXX sent a balance to collections. I contacted XXXX many times to tell them the balance was wrong and I paid over {$700.00} of what was the correct amount owed. They never would respond or fix the amount. The sent my balance to Diversified Adjustment Services And I got a notice dated XX/XX/23 at a wrong address that I havent lived at for over a year. I responded within the timeline luckily since I got the mail from someone on that old address. I mailed my response XX/XX/23 and letter said to call or write by XX/XX/23. I complied. They now have reported this on my credit report when I responded timely checking off the boxes saying this amount is not correct, send me proof of the debt and the collector, and that this was false. They violated laws and now have destroyed my credit when I complied. I will be filing lawsuits against them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 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: Consumer Portfolio Services, Inc.
State: NY

Complaint narrative:
Hello Good day, I am writing to dispute the following items on my credit report. I have circled the items indispute To remove all INQUIRIES Off my credit report because it was done fraudulently & this in accurate information on my report thats affecting my score

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
On XX/XX/2023, I opened a new M & T Bank account online. I was given my new account number and was allowed to enroll in online banking. A few days later, I started to get emails saying my online banking was locked and my paperless statements had been turned off, and the debit card I received could not be activated. I could no longer log in online, and was directed to call a toll-free number at M & T, which I did. The person I spoke with, who was very rude, told me my account had been closed with no explanation. I asked why and he told me there was no information. I asked if a letter would be mailed and he said it would, but when I pressed for specifics about when a letter was/would be mailed he would not provide any further information. I have waited over 2 weeks for a letter explaining why this account was closed 4 days after I opened it, before I had made any activity on the account whatsoever, but I have not received any further info from M & T bank. if M & T Bank closed my account, they are legally obligated to tell me why it was closed, what information source they used to deny me opening an account, and tell me how I can get a copy of whatever consumer report they used to take adverse action against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 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: OH

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 explanation
Consumer complaint received 2023-06-10 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: GA

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 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 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 non-monetary relief
Consumer complaint received 2023-06-10 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: GA

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 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 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 2023-06-10 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:
Experian continues to report XXXX XXXX XXXX on my credit report. This company is illegally attempting to collect a debt in the state of Maryland which it does not have a license. Under Section 1692e ( 14 ), it is considered a violation of the FDCPA for a debt collector to use any false, deceptive, or misleading representation or means in connection with the collection of any debt. This includes falsely representing or implying that the debt collector is licensed, bonded, or affiliated with any government, or that the collection agency is authorized or permitted to collect debts in a particular jurisdiction where it is not licensed. 

Therefore, XXXX XXXX XXXX attemptinge to collect a debt from the state of Maryland where it is not licensed, is considered a violation of the FDCPA under Section 1692e ( 14 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 explanation
Consumer complaint received 2023-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
These are inquiries on my account I don't recognize : 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 non-monetary relief
Consumer complaint received 2023-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
Do to my credit damage I cant get a house loan. 15 usc 1681

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have a business account in JP Morgan chase. The bank account # is XXXX. 
On XX/XX/XXXX I made a deposit of a check in the amount of {$25000.00}. The deposit was made through a cellular application. Chase accepted the deposit and wrote a remark that the check will be cleared by XX/XX/XXXX. 
On XX/XX/XXXX the check was cleared and the amount of {$25000.00} was added to the account balance. 
On XX/XX/XXXX I received an email from Chase Integrated Payment that the account is permanently closed because the account is susceptible to a high chargeback. I called the Chase Customer Service department. Their response was : " It was hard for us to read the the name of the issuer of the check, therefore we decided to close the account ''. 

My complaints are : 1. Chase never contacted me to tell me that there is a problem with the check. They completed the process, cleared the check and suddenly closed the account without giving me a advanced notice. 
2. Chase keeps the {$25000.00} and will not return it until I show up in a chase branch with the original check. Since I am on a business trip, I will not be able to come to a Chase branch until the end of XXXX. I am not even sure that I will be able to find the original check. 
3. Chase made the deposit and gave enough time the check to clear. They didn't try to contact me either by phone, nor by email or a letter. 
4. Chase closed my business account without a warning. Now suddenly, I do not have an account to continue running my business.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
see complaint number XXXX I asked to receive the XXXX recorded call transcripts date XX/XX/XXXX at XXXX XXXX XXXX and XX/XX/XXXX at XXXX pm XXXX. I did not receive them. I also asked for the photo contents of the payment envelope dated XX/XX/XXXX for loan XXXX. I received the photo contents for XX/XX/XXXX instead. My account is requiring XX/XX/XXXX. Please send the photo contents for payment made XX/XX/XXXX. Also. please send the XXXX recorded call transcripts date XX/XX/XXXX at XXXX XXXX and XX/XX/XXXX at XXXX XXXX  as they were never sent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
PNC has limited funds to XXXX debits per month on savings accounts and then charges a {$3.00} fee. No other bank I have has a limit on debits.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 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: SC

Complaint narrative:
XXXX XXXX {$1700.00} XXXX XXXX I have reported this account numerous times because it's fraud. I don't know nothing about this account. 


XXXX XXXX XXXX XXXX XXXX ) {$600.00} Reported on my report XXXX XXXX I know nothing about this report because I'm not aware of 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 2023-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX- {$1700.00} XXXX XXXX  I have reported this account numerous times because it's fraud. I don't know nothing about this account. 


XXXX XXXX XXXX XXXX XXXX ) {$600.00} Reported on my report XXXX XXXX I know nothing about this report because I'm not aware of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10 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: SC

Complaint narrative:
XXXX XXXX- {$1700.00} XXXX XXXX I have reported this account numerous times because it's fraud. I don't know nothing about this account. 


XXXX XXXX XXXX XXXX XXXX ) {$600.00} Reported on my report XXXX XXXX I know nothing about this report because I'm not aware of 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 explanation
Consumer complaint received 2023-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX  XXXX XXXX 15 U.S.C, 1681section 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 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 2023-06-10 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Reliant Financial Corporation
State: CA

Complaint narrative:
This collection is damaging my. Credit its making it hard to buy my house

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I owe approximately {$7100.00} on my Wells Fargo Home Mortgage. I have an amount well above the amount owed held in an account with Wells Fargo Advisors. I have been trying for weeks to move the money from the account to the mortgage to cover the past due amount and every single time I call I get a new answer. I've opened up a new brokerage cash services checking account, and told funds would sweep overnight for me to transfer, the account is opened but nothing happened. Meanwhile I continue to receive letters, phone calls, etc that I am in default on my mortgage. This is really scary to me and frustrating because I have the money in Wells Fargo but due to the department silos the mortgage folks can not apparently see that. I need to get this resolved asap. I was promised a call by the " executive resolution team '' last week XXXX and have yet to receive this call yet the issue continues to remain unresolved. This is causing me a tremendous amount of stress. I was unemployed for a period of time, and I am reemployed now. I need to make this payment asap, but keep going in circles and can not get anyone who can help me.,

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 2023-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Hi, I need a copy of the envelope contents for the payment paid XX/XX/2022. My account thinks I have a problem with the XX/XX/2022 payment that is throwing off the loan schedule and has asked me to retrieve it from SPS. Please send the photo contents of the XX/XX/2022 envelope.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation