vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-03 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: FL

Complaint narrative:
Please correct my personal information on my credit report. Attached is a copy of a bill along with a copy of my drivers license displaying my correct address. The only address that is valid on my credit report is : XXXX XXXX XXXX XXXX XXXX, XXXX FLORIDA XXXX. 
The correct spelling of my name is : XXXX XXXX XXXX My employer information should be : XXXX XXXX ALL OTHER ADDRESSES OTHER THAN WHAT IS LISTED ABOVE AND STATED ON MY DRIVERS LICENSE ARE INCORRECT AND NEED TO BE REMOVED ACCORDING TO THE FAIR CREDIT REPORTING ACT AND : 15 USC 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer 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 2022-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Hello my name is XXXX XXXX and in XXXX, I was a victim of an home invasion. All of my personal belongings were taken including my wallet holding my bank cards, phone, and a lot of paperwork with passwords to many of my accounts. Shortly after I had fraudulent activities happen with my bank account putting my account in the negatives and closing my account. I would like a reconsideration to be allowed to open an account to prove I can continue to maintain my account under the guidelines of the company. I believe this is a situation out of my control.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: CA

Complaint narrative:
I REQUEST FOR THIS COMPLAINT TO BE REVIEWED BY A HUMAN. 
Please reference CFPB Complaint Number XXXX I submitted my original complaint on XXXX. I received an email notification from CFPB stating that the complaint was closed on XXXX. When I read the reason that CFPB Complaint Number XXXX was closed, it stated that the account was never on my credit report/ and or had been removed. Confused, I called into CFPB and spoke to customer representative XXXX. XXXX read back the information to me on the phone, stating that the account is not on my credit report. Please note that this is incorrect information. 

On XX/XX/2022, I waited to pull my credit reports from all three credit bureaus- XXXX, XXXX, and TransUnion. Currently, the account in dispute - XXXX XXXX XXXX  Account XXXX is still reporting negatively on my XXXX and TransUnion credit reports. This account is reporting twice ( double jeopardy ), on pages XXXX and XXXX of my TransUnion credit report and also reporting on my XXXX credit report. I have attached my current credit reports for your review. 

15 U.S.C 1681c ( a ) ( 5 ) states : no consumer reporting agency may make any consumer report containing any 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.

XXXX XXXX XXXX XXXX  has violated my rights under 15 USC 1681. This company continues to falsely misrepresent that I owe an alleged debt to them to the credit bureaus. I do not now, nor have I ever had a signed written agreement to do business with 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 2022-05-03 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: MA

Complaint narrative:
XXXX never preform a proper investigation accounting to FCRA requirements with XXXX account XXXX. The term investigation consumer report means a consumer report or portion thereof in which information on a consumer character general reputation, reputation personal characteristics or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with whom he is acquaintances or whom has knowledge concerning any such item or information. XXXX did not do this. XXXX has violated the FCRA because 15 USC 1681 section 602a states I gave the right to privacy. 15 USC 1681 section 604a section 2 states a consumer reporting agency can not furnish a account without my written instructions. I did not give XXXX or anyone permission to report this account or my personal information with this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03 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: WI

Complaint narrative:
TransUnion is in blatant violation of FCRA 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] which states the following : a. In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 1. In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

2. In accordance with the written instructions of the consumer to whom it relates.

3. To a person which it has reason to believe A. intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or B. intends to use the information for employment purposes ; or C. intends to use the information in connection with the underwriting of insurance involving the consumer ; or D. intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or E. intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or F. otherwise has a legitimate business need for the information i. in connection with a business transaction that is initiated by the consumer ; or ii. to review an account to determine whether the consumer continues to meet the terms of the account.

I've written letters, sent faxes, called and e-mailed regarding inquiries I did not authorize. With each correspondence I sent proof that I filed an FTC report. Each time, TransUnion claims that inquiries are a matter of factual record which is false according the the FCRA. Per sections 604 & 605 of the FCRA the following inquiries should be removed from my report : XXXX XXXX XX/XX/2021, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By refusing to remove the unauthorized inquiries TransUnion is blatantly violating my consumer rights and disregarding FCRA guidelines.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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:
XXXX XXXX XXXX Account number XXXX. 
Has violated my rights in accordance with the Fair Credit Reporting act 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 accounts without my written instructions. 
Account number XXXX has also violated my rights in accordance with the Fair Credit Reporting act 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 accounts without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03 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:
XXXX XXXX XXXX Account number XXXX. 
Has violated my rights in accordance with the Fair Credit Reporting act 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 accounts without my written instructions. 
Account number XXXX has also violated my rights in accordance with the Fair Credit Reporting act 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 accounts without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Point Up Inc
State: CA

Complaint narrative:
I opened my XXXX XXXX on XX/XX/2022 through my friend 's referral link via text, a screenshot of the text is as attached ( including my virtual card number that I checked right away ). Here is the offer : https : //www.point.app/legal/referral-21-march-2022-general, and the offer email ( with referral 's email and referral code ) is also included in attachment, this email was just a reminder to my referrer that she had this offer back then. The sign up bonus is spending $ XXXX before XX/XX/XXXX to earn a {$100.00} in points, terms are attached. Note that my referrer 's Point REFERRAL CODE is XXXX, and my email on file with Point is XXXX, FYI, to find my account. I confirmed that I have met the requirements of this offer but Point XXXX  claimed I was enrolled in another offer and issued me an incorrect XXXX points instead of XXXX points. It was impossible that I was enrolled in a different referral offer because I opened my account through clicking my partner 's text message. Please fix this error caused by Point team and credit {$100.00} each to my referrer 's account and mine, per offer terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
My mother passed away in XX/XX/XXXX and I called the reverse mortgage in XX/XX/XXXX to submit our intent to keep the property, request for marketing extension, and to payoff the loan balance. They advised me to send the Last Will and Testament, Death Certificate and a letter of intent and my requests which was promptly emailed on XX/XX/XXXX to PHH mortgage at the email address they provided. They said it would take 48 hours to authorize me in the account. I checked again on XX/XX/XXXX and the loan representative said that they did not receive my email due to difficulties they were having with their system. I submitted a new written request for payoff, marketing extension and for authorization the same day ( XX/XX/XXXX ). I was instructed to check back in 48 hours. On XX/XX/XXXX I called again to check status and the representative said that my documents had in fact been received the first time and that the file was notated by their legal team to say that the Will was not notarized therefore I am not authorized on the account. Im checking with an attorney, I was advised that Last Will and Testaments in the state of California do not require a notarization and the only require that is that they are properly witnessed. My mothers Will has been properly witnessed. I have attempted to contact the reverse mortgage company, PHH Mortgage Services to address this inaccurate information from their legal team but they continue to refuse me as an authorized person on the account. Time is of the essence in paying off this loan. However, after receiving several different reasons this company has deemed as insufficient for me to become authorized, and also asking to speak to a manager or Vice President, I have been unsuccessful in any attempts to receive a payoff statement including wiring instructions. At this point, I believe my consumer rights are being violated and that this mortgage company is thwarting my duties as a Trustee for my mothers estate. The beneficiaries are also being prevented from paying off this loan and their rights have also been violated in the process. To date, I have sent them the copy of The Living Trust, naming me as Trustee, The Last Will And Testament, Payoff Request, Marketing Extension Request. PHH issued a final notice calling the loan on XX/XX/XXXX with instructions that we have 30 days to comply before the loan goes into foreclosure. However, they will not cooperate with sending a payoff statement so that we can comply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TRANSWORLD SYSTEMS INC
State: LA

Complaint narrative:
I was contacted by Transworld Systems Inc stating I owe a debt for a XXXX XXXX  card from XXXX. I know for a fact this is not true because it was paid off through my XXXX  wages. They stated that XXXX sold the debt to them. They are threatening to garnish my wages. I asked them what options do I have and they told me to take a loan out, sell my vehicle, borrow money but either that or they will garnish my wages. I asked for proof of debt and all they sent was a bill from XXXX  for {$700.00} and told me I have to pay them {$1700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXX XXXX XXXX acct:XXXX, XXXX XXXX acct:XXXX, XXXX XXXX  acctXXXX 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 : also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXX XXXX XXXX acct:XXXX XXXX XXXX acctXXXX, XXXX XXXX acct: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 : 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 2022-05-03 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: SC

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 DEPT OF EDXXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CONTRACT RESOLVE GROUP LLC
State: NC

Complaint narrative:
Im XX/XX/22 I was contacted by XXXX XXXX of Contract Resolve Group, LLC. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX Ph : XXXX ext. XXXX Fax : XXXX XXXX saying that he was representing XXXX in resolving a payment he thought I I owed. Ive asked him numerous of times not to call my workplace. Not only did he keep calling harassing me but he manage to reach out to my family members. He has threatened me, my staff and my family members.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX, 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 instruction

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03 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: GA

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

15 USC1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan for a purpose. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Finance of America Holdings LLC
State: CA

Complaint narrative:
I applied for a reverse mortgage refinance with Finance of America Reverse, aka FAR, on XXXX with XXXX Mortgage. The intention was to obtain lower interest and receive money from refinancing. Important to note that I went with FAR because they already had my original 2017 reverse mortgage, which was taken over from XXXX, and I was assured by their in-house agent ( FAR ) that refinancing would take from 30 to 65 days. I was vigilant regarding the amount of time it would take to fund the refinance because I was almost completely out of personal funds due to COVID-19 and being evacuated from my home in XXXX XXXX XXXX XXXX CA due to the XXXX fire XXXX Throughout those, unfortunate situations, I provided support for my grandson who had been living with me for over 5 years. I have a timeline of every document I was asked to be provided. Received my XXXX counseling on XXXX FAR requested 2 appraisals ; the first was provided on XXXX with all necessary elements of the appraisal provided, the second appraisal was not requested until XXXX, in the middle of winter, and a great snowpack which prevented the second appraiser from taking a picture under the house. Which extended the time, I have pictures of snow and ice on XXXX which I provided to FAR and my grandson took pictures of the crawl space on XXXX when we finally got it accessible and I still had not received a call from the 2nd appraiser to come back out and in which far insisted we needed to compensate her even though it was her choice to come back. FAR challenged anything and everything they possibly could to put off funding this refinance, weeks would go by and then another request would be made, often for documentation they had already been provided with. FAR would not cooperate with my loan representatives on anything requested of them. This refinance was completed by me and my representatives in a timely and professional manner and in good faith. FAR, representation has been less than professional and should be held accountable for their lack of action and professionalism with regard to my refinance.

Company response to consumer: Closed with explanation