vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
in accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX BANK XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX CARD # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX US SM BUS ADMIN XXXX, XXXX XXXX, XXXX XXXX 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 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
in accordance with the Fair Credit Reporting Act XXXX XXXX XXXX BANK XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX CARD # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX 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 2022-09-07 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: VA

Complaint narrative:
The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

The following account is not mine XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

The following account is not mine XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit repor The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

13. 


The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
PHH reverse mortgage. My father died-XXXX Called PHH XX/XX/22 to find out what I needed to do ( selling property to pay reverse ). Uploaded documents on XX/XX/22 ( will, death certificate, letter of intent, questionnaire ) XXXX called to upload court executrix paperwork and they claim never received the XX/XX/22 documents XX/XX/22 Re uploaded ALL documents and executrix. XX/XX/22 received email for XXXX payout. 
XXXXunder contract Law office called for payout and wire instructions-was told there were no documents uploaded so they would not give payout quote. Faxed all documents again on XX/XX/22. Called XX/XX/22 was told nothing received could fax/email documents directly to payout department with request for payout quote. Faxed and emailed all documents again on XX/XX/22 to payout department. XXXXdocuments received but not uploaded would take 3-5 business days-will ask for expedited-call back tomorrow. XXXXcalled-no documents uploaded so cant give payoff quote-they are sending request to legal dept to look over documents before they can be uploaded and quote generated. This blatant delay tactic may cause the selling of the house to not go through. I need some help and for someone to look into the practices of PHH mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
AS AN CONSUMER AGAIN, I CAN NOT BE DENIED CREDIT. I TOLD THESE PEOPLE I NEVER OPENED AN ACCOUNT WITH THEM AND THEY STILL CLOSED THE INVESTIGATION WITH FOOLISHNESS. AGAIN THEYRE VIOLATING my federally protected consumer rights 15 U.S Code 1642 15 U.S Code 1681M 12 CFR 1002. I Sent them a Adverse notice through an email I was provided. So again try again. NEVER RECEIVED A FRAUD # AS WELL. So what information are you even talking about to be exact?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX  XXXX Account # 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 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 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX added an settled old account to my Credit file in violation of FCRA hindering my ability to obtain a new loan. Having the credit bureaus report a 2nd mortgage on my file

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 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX added an settled old account to my Credit file in violation of FCRA hindering my ability to obtain a new loan. Having the credit bureaus report a 2nd mortgage on my file

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a natural person, i am real living human being, i have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1881 : I have the right to privacy and i did not give Equifax written permission to furnish these accounts Accounts XXXX XXXX  account # XXXX XXXX  Account XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and 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 explanation
Consumer complaint received 2022-09-07 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2022-09-07 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: IL

Complaint narrative:
The Department of Education discharged all my student loans as of XX/XX/2022. The total of {$39000.00}. XXXX removed the loans from my credit report. TransUnion refuses to remove them.

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 2022-09-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLIANT CREDIT UNION
State: CA

Complaint narrative:
I received an adverse action notice for my HELOC application from Alliant Credit Union. I'm being denied because of two claims against my employment and identity. There is nothing fraudulent about the information I provided. I would like to resubmit and provide further documentation including my tax returns and other items.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV funding, LLC filed a claim, commercial cause No. XXXX on the XXXX day of XX/XX/2022. 

No consent was given to the above cause No. 

Documents presented by LVNV failed to provide a valid contractual agreement under commercial law. 
There were no offers or acceptances authorized by my official indorsement to LVNV as the Oblige/payee. 
Bill of Sales, with valuable considerations were not obtained in good faith. 
This is fraudulent misrepresentation and in violation of 18 USC Sect. 1025 FALSE PRETENSES ON HIGH SEAS AND OTHER WATERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
Hello My name is XXXX XXXX, I am a XXXX XXXX, and my son XXXX lives with me. XXXX has XXXX. We contacted Citizen 's bank about a mortgage on my home in XXXXXXXX XXXX. It sounded like a good idea but then we realized that if I die, in many years, XXXX could not continue the mortgage payments. XXXX only gets {$1400.00} from his XXXX payments and the mortgage was around {$2400.00} a month. We did get out of the mortgage before it closed, and we moved to XXXX XXXX  where it is cheaper to live. Even after I ended the mortgage, they still charged me {$880.00} in fees. I do not think that is right. I got out of the mortgage because there is no way my son XXXX could keep up the mortgage payments without my income. My late husband and I worked very hard all our lives to provide a home for our son. Citizen 's bank wanted to take advantage on my love for my home. Please look into their banking practices. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Credit Karma, LLC
State: PA

Complaint narrative:
XXXX of XXXX and XXXX Ive did a credit card and I gotten denied knowing that it says that it was a good fit to apply so I can get my credit up and buy a house. My action was to check to see if my credit went down and to which it did by XXXX points maybe more but those accounts on my credit are old and they should be gone so I can at least start over

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have disputed public records that are displayed on Credit report from the XXXX reporting agencies. They have not furnished proof and claimed that the information was accurate, and it was received from XXXX XXXX. I sent in documents from XXXX XXXX showing that the bankruptcy has been removed from their reporting and it is inaccurate therefore it shouldn't be reporting on my report. this blemish on my report is preventing me from credit from lenders and is defaming my character. I can't seem to get any response in reference from the CRA. 

Also having the same issue with a XXXX XXXX that is inaccurate. I have also asked the CRA to Furnish information on the validity of this creditor on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Tried to call Amazon about their credit card and fixing an issue I had. They had me download XXXX XXXX and took over my phone, asked me to log into my bank account- which I did not do, but clearly had access to my whole phone where there was a lot of personal information stored. Possibly had access to credit card and banking information

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 2022-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: PNC Bank N.A.
State: MD

Complaint narrative:
On XXXX XXXX my phone was hacked and they went into several accounts and sent money to other people. I contacted Pnc and put in a report that my card was compromised. They sent a letter back saying they found the charges to be legit. I didnt make this transaction of {$2000.00}. This charge was made through XXXX who also refused to refund the money stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
On XX/XX/2022, I sent a letter to EXPERIAN credit reporting company about a collection company on my credit report that failed to respond to my debt validation letter. The Collection company is XXXX XXXX XXXX that is reporting on my credit report in the amount of {$700.00}. As per my rights, I did an investigation, and sent a debt validation letter to XXXX XXXX XXXX on XX/XX/2022 and gave the company 30 days to respond with documentary proofs of the alleged debt to my address. The Collection company XXXX XXXX XXXX failed to respond to my validation letter, I received no response from this company. I then sent a letter to Experian credit reporting company notifying the company that XXXX XXXX XXXX has failed to respond to my debt validation letter and to remove the Account # XXXX from my credit report. I also provided Experian with the letter I sent to XXXX XXXX XXXX as well as the Certified Mail Receipt from the United Postal Service. Experian credit reporting company responds on XX/XX/2022 saying the collection company verifies the account. This is False, the company XXXX XXXX XXXX was provided 30 days to respond to my debt validation and failed to give me a response at all therefore Experian Credit reporting company needs to remove this item from my Credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
Account status in collections is false. showing in collection but when i click to see what account i " have '' it shows a paid acct. its very contradicting. date reported is fraud that acct has been paid in full 3 months BEFORE reported date!! what's going on!! this is intimidating and affects my daily life.

Company response to consumer: Closed with explanation