vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-05 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: NY

Complaint narrative:
XXXX  XXXX acct ending XXXX had requested to delete this trade line now its time to delete this trade line

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-05 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: NY

Complaint narrative:
XXXX XXXX acct ending XXXX had requested to delete this trade line now its time to delete this trade line

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: USCB, Inc.
State: CA

Complaint narrative:
There is no information about this account and it appeared on my report, they have never tried to contact me and are in HIPPA violation. The new law states that it has to be 180 day late and I have no outstanding medical bills ever received. So I do not even know what this is about.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I began disputing inaccurate information on my consumer report with Experian via certified mail on XX/XX/XXXX I filed several CFPB complaints along with supporting documentation, providing proof of inaccurate reporting and Experian has failed to comply with consumer laws as outlined by congress. Here are a list of the complaints that I have filed since XXXX XXXXXX/XX/XXXX : XX/XX/XXXX CFPB complaint # XXXX ; XX/XX/XXXX CFPB complaint # XXXX ; XX/XX/XXXX CFPB complaint # XXXX ( including FTC Identity theft report # XXXX XXXX ; XX/XX/XXXX CFPB complaint # XXXX ; XX/XX/XXXX CFPB complaint # XXXX ; The following consumer violations have been committed against me : 15 USC 1681a ( 2 ) ( i ) - exclusions from consumer report 15 USC 1681 section 602 A-violation of my privacy 15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions I did not give anybody written instructions 15 U.S. Code 1681i-violation on length of time to investigate and reinvestigate U.S. Code 1681s-2- prohibition of reporting info with actual knowledge of errors U.S. Code 1681e ( b ) -you are out of compliance due to inaccurate reporting U.S. Code 1692e- furnishing false and misleading information on my consumer report 15 U.S.C 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-05 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 XXXX  Account # XXXX XXXX  XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-05 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 XXXX  Account # XXXX XXXX  XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 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: CITIBANK, N.A.
State: CO

Complaint narrative:
A credit card at Citi Bank CNBA was requested using my information as well as a credit report pulled without my authorization. I received a text message stating that my credit was approved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
A credit card at XXXX XXXX  XXXX was requested using my information as well as a credit report pulled without my authorization. I received a text message stating that my credit was approved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: CO

Complaint narrative:
I use XXXX for everything as a result I have the Google play store on my phone. If I want to buy an app or book or anything like that I need to do it through Google. My Google pay account was suspended for suspicious activity they said but there's no way that's true as when they did it my last purchase was over a week before this. I've tried submitting the necessary documents. They wanted a picture of my drivers license and a picture of my statement from whatever payment I used last ro purchase something which was my XXXX as thats what I generally use for all of google purchases. I haven't heard back from anyone on it. I tried to call and it just went in circles. After covid they have a smaller team so there may be delays that make it take longer, no one knows how long or if it will even be fixed. I was told it usually takes 24 hours which it's been and no response from anyone. I requested to speak with a supervisor in the hopes of getting some answers on when it will be fixed and was told I was the next person on her list to call. It took almost two hours for her to call me. I unfortunately missed that call as it was so late at night. If I had been told it would be that long then I would of had them call me back the next day. The whole experience has been horrible and worst customer service experience I've had in a very long time. All I wanted was to buy some items in a game I play which it looks like I will miss out on since they are only available for a this weekend and then there was a bonus point event for the same app to get extra points for purchase that ends today that I'll be missing out on as well. I even tried to buy a Google gift card separately to just add it to my account to use in the meantime. Nope I can't do that either apparently. Poor communication skills and poor customer service from Google. Most companies when they think there have been fraudulent charges on your account freeze your account immediately since if thats really the case then they need to stop any further transactions. Doing it so long after the fact doesn't make sense. I have another Google account but I guess I'm also not allowed to make purchases on it either since it says do not use another account to make purchases on Google or it will be suspended as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 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: NY

Complaint narrative:
I have sent out numerous letters. 

The Credit bureaus stated XXXX XXXX XXXXXXXX # XXXX was properly investigated and verified but how is this possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal. They also violate my rights under 15 U.S.C 1681 section 604 A section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

I havent given this account written permission to furnish this account on my credit report as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hi, sorry to bother you. I had an account with ( XXXX ) and they made a business decision to close out all of their consumer 's credit cards and open up new credit cards using the personal information that they already had. They mentioned that they alerted the consumers of this change but I didn't receive notice. I never gave anyone permission to open up a new account using my credit information. I wrote to all 3 bureaus and contacted my local attorney general 's office as well as the company ( XXXX ) I don't think it's legal to take someone's personal identification to open up an account on their behalf because it's beneficial to your company. I never opened a new account. I asked the company repeatedly to close and remove this tradeline that I didn't open nor gave permission to open and I keep getting a runaround. They finally closed the account but are refusing to remove it from my credit report. The company is at fault for failing to confirm with the consumer beforehand when it comes to opening up a line of credit using someone's social security number and other identifying factors. XXXX works with individuals that have poor credit, bad credit, and no credit. I feel this is predatory as well because I don't think this happens with other companies, I have several other cards and this has never happened. No one should have the right to open up a line of credit in your name, even a business that already has your information. Below I have included letters from XXXX mentioning that 1 ) It was a business decision 2 ) There was nothing the consumer could do about it ( even though it's the consumer 's information ) 3 ) They clearly state that the consumer didn't open a new account. Thank you for your time, I hope you can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a XXXX account that I opened XX/XX/XXXX. Apparently, XXXX changed the banks the company uses for purchases on several occasions and every time this happens XXXX reports to the credit bureaus that I closed my account. From my understanding, the letter I received from XXXX about these changes stated that I will continue to have the same customer number, but they will provide me with a new XXXX account number. The issue is that on my credit report it shows my XXXX account that I originally opened which listed as by " XXXX XXXXXXXX XXXX Account '' on XX/XX/XXXX. This account was fraudulently reported as being closed on XX/XX/XXXX. Another XXXX account listed as " XXXX XXXX XXXX  Account '' was fraudulently reported that I opened this account on XX/XX/XXXX, following the " supposed '' and " fraudulent '' closure of the previous account which was fraudulently reported as being closed on XX/XX/XXXX. This account was also fraudulently reported as being closed on XX/XX/XXXX. Lastly, another XXXX account listed as " XXXX XXXXXXXX XXXX Account '' was fraudulently reported as being opened on XX/XX/XXXX, which contradicts the previous reported date of my XXXX  account being closed on XX/XX/XXXX. This account is reported as still being active. My customer number on these accounts did not change, but there were changes to me XXXX account number on all of them. At the moment I do not have access the different account numbers that were provided to me. I am currently trying to retrieve them from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
CommonWealth Financial ( XXXX license XXXX ) showed up on my credit report, without any notification of debt, and also without notification of my rights, and also without any furnished proof of debt pursuant to FDCPA -= Under the rules of the FDCPA, debt collectors are required to provide details about each debt they are attempting to collect by SENDING WRITTEN NOTICE with the following information : Name of the creditor Amount owed Instructions on how to repay the debt. Common Wealth Financial NEVER SENT OR SUPPLIED ANY SINGLE NOTICE regarding any debt collection attempts or purchase. Additionally the origination never sent notice of sale or transfer of the debt. They unlawfully took harmful action on my credit report for an invalid and old debt collection, while also violating FDCPA with lack of regard to the appropriate lawful procedures for debt collection. A complaint to the State Attorney General XXXX XXXX, the XXXX XXXX XXXX XXXX against Common Wealth and their decision to ignore the laws of the FDCPA has also been made. I will continue to pursue all legal force against Commonwealth for violation of my rights and damages incurred under FDCPA if they continue to report harmful information on my credit file. They are required by law to remove this information for consumer abuse with their failure to follow FDCPA. CFPB should forward this notice also for compliance and legal fines as applicable by the FTC. XXXX. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion Credit Reporting agency is reporting inaccurate information for a balance and account opening date. This information is being reported as derogatory. As a result, negatively impacting my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-05 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: FL

Complaint narrative:
The Credit Bereau stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal You 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigations

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-05 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: TX

Complaint narrative:
Transunion is reporting a fraudulent account onto my credit profile. 
My checking account was used by improper use with an institution that I have no relationship with. Account does not belong to 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 non-monetary relief
Consumer complaint received 2022-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX, XXXX XXXXXXXX XXXX and I were in contact with Mr Cooper, the resource assigned to work on my issues was XXXX XXXX. after multiple issues with the servicer refusing too allow me to pay down balance, they finally agreed. on XXXX the XXXX, my balance showed $ XXXX, XXXX XXXX sent me and the, mayor of corona staff an email stating that all payments that were reversed by MR COOPER would be added back to my account. she honored her word and the payments were reposted, she said she would call the California mortgage grant program and advised them I now qualify for the grant and would communicate my balance which showed $ XXXX in the servicers portal. on XX/XX/XXXX, I emailed XXXX and asked if she sent the grant people an update, she said yes 2 updates with my balance, I checked servicer portal again it said XXXX, on XX/XX/XXXX i received a decline notice from the grant program citing the servicer told them my balance was {$82000.00}, and that my home at timer of purchase was upside down, implying my home was not worth what I paid and the amount MR COOPER communicated was {$530000.00}. this is not correct at all. now I have been denied help to save my home due to the negligence of this servicer. if I owe XXXX, why doesn't that information show up in the servicer 's portal, I dont see anything that says XXXX it says XXXX as of XX/XX/XXXX. this servicer is deliberately trying to cause my home to go into a foreclosure by communicating incorrect detail to the state

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 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 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX number # XXXX, Account number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 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:
XXXX XXXX XXXX no account number reported XXXX $ SUPPOSIDLY FROM XXXX  YEARS AGO! 

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 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:
XXXX XXXX XXXX no account number reported XXXX $ SUPPOSIDLY FROM XXXX YEARS AGO! 

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation