vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-11 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the three major credit bureaus of Equifax, XXXX, and XXXX, along with XXXX XXXX, an automobile leasing company, has violated my rights. According to 15 U.S.C. 1681 Section 602A states that I have a right to privacy. 15 U.S.C. 1681 Section 604A Section 2 states that a consumer reporting agency can not furnish an account without consent, and I did not give any of these entities ( Equifax, XXXX, XXXX, or XXXX XXXX ) permission to publicize my personal information. Therefore, I am requesting that this account be deleted/removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 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: CCS Financial Services, Inc.
State: AL

Complaint narrative:
XXXX of XXXX, MA is violating my rights under 15 U.S.C. 1681 sections 602a and 604a section 2. By furnishing information on my credit report without written instructionm. I also have not and do not have any contracts or have done business with them ever in my life. They are also violating 15 U.S.C. 1692 by attempting to communicate with me. 
They've posted to my credit report without my permission and it's having an unlawful affect on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 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 Account # # # # # # # XXXX, XXXX XXXX XXXX XXXX Account Number # # # # # XXXX, XXXX XXXX XXXX XXXXXXXX Account Number # # # # # # XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXXXXXX XXXX Account Number XXXXXXXX XXXX XXXXXXXX Account Number XXXX, XXXX XXXX  Account Number XXXX, XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX, Account Number, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXXhas 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 an 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 2022-06-11 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 Account # # # # # # # XXXX, XXXX XXXX XXXX XXXX Account Number # # # # # XXXX, XXXX XXXX XXXX  XXXX Account Number # # # # # # XXXXXXXX XXXX XXXX XXXX  Account Number XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Account Number XXXXXXXX XXXX XXXXXXXX Account Number XXXX, XXXXXXXX XXXX Account Number XXXX, XXXX XXXX XXXX XXXX  Account XXXX XXXX, Account Number, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX  Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX  Account Number XXXXhas 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 an 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 2022-06-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

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 1681Section 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 any 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 explanation
Consumer complaint received 2022-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I notified synchrony bank that this was Freud months ago regarding this account. They were supposed to talk to my son and I talk less the lady a message and they never called my son back. And this was a fraud account that Im not responsible for putting collections I am not responsible for this at all

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 2022-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 30 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2022-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 30 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
I was fired from my job on XX/XX/2021 and didn't learn about mortgage forbearance because of the COVID " pandemic '' until the first part of XXXX. My mortgage was through XXXX but " serviced '' by Nationstar Mortgage. I started the forbearance that month but had already made the monthly payment for XXXX and as a result my loan was displayed online as $ XX amount. It was explained to me when I started the forbearance that I would have to pay the missing payments back - to which I replied " of course ''. If it had been TRUTHFULLY explained the interest of my loan would accrue daily while I wasn't making mortgage payments I wouldn't have started. We just closed on selling our house and the payoff amount was {$8000.00} more than what was ALWAYS displayed on my online account. I feel that this is a deceptive practice that is portrayed as helping but truthfully it just added more $ $ to my mortgage.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
inquries XXXX XXXX  XXXX, XXXX  XX/XX/20 XXXX  XXXX, XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX they credit bureuas will not delete these and i did not authurize them to pull my credit reports. they need to be deleted due to fraud

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 2022-06-11 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account and Account # 's DEPT OF ED / XXXX, ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX  ACCT XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # 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 : 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 2022-06-11 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Why are large companies allowed to lie about derogatory reporting data to credit bureaus without proving their case? I proved my case with the bureaus and STILL they allowed NAVY FEDERAL CR UNION to dinged my record for a 30 days late. My payment history also tells the truth, never late for 10 years in business with NFCU, but thats not worth anything to these companies?!? Its wrong that large companies like NFCU can affect credit scores without PROOF of late payments and credit bureaus refuse to hear both sides automatically siding with big business and NOT induvial working class?!? Look at my payment history and do your job in finding the actual fault! 

Also, why can credit bureaus offer a better score if you pay them money? My credit score should stand on it own and NOT be manipulated by credit bureaus for PROFIT! These companies have the power over my financial records and are allowed to operate for profit margins, how is that legal? What government agencies are getting kickbacks for allowing this unconstitutional behavior? This is criminal

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 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 three major credit bureaus of XXXX, Transunion, and XXXX, along with XXXX XXXX, an automobile leasing company, has violated my rights. According to 15 U.S.C. 1681 Section 602A states that I have a right to privacy. 15 U.S.C. 1681 Section 604A Section 2 states that a consumer reporting agency can not furnish an account without consent, and I did not give any of these entities ( XXXX, Transunion, XXXX, or XXXX XXXX XXXX permission to publicize my personal information. Therefore, I am requesting that this account be deleted/removed from my credit reports.

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 2022-06-11 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 three major credit bureaus of XXXX, XXXX, and Experian, along with XXXX XXXX, an automobile leasing company, has violated my rights. According to 15 U.S.C. 1681 Section 602A states that I have a right to privacy. 15 U.S.C. 1681 Section 604A Section 2 states that a consumer reporting agency can not furnish an account without consent, and I did not give any of these entities ( XXXX, XXXX, Experian, or XXXX XXXX ) permission to publicize my personal information. Therefore, I am requesting that this account be deleted/removed from my credit reports.

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 2022-06-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
For months Capital One Bank has been mentally abusing my family and I, with every check deposit being a pro-long hold on my funds. always have to call and ask why this long wait on my checks and even cash deposits. Made a Credit Card payment and it's on hold for 26 days, Checks on hold for 6-9 Days, I have even had a Cash deposit on hold for 7-10 business days. 
When would call in the Customer Service, they would reference how there are so many restrictions on my account. Made a deposit with a teller in XXXX XXXX, NY where he said straight up, " Capital One don't want your business, go find yourself another Bank Bro ''. 
my debit card had a hack to it, they cancel my card and the agent was to send me a new card in 3 to 5 business days, 3 weeks after no card replacement.

The abuse Capital One Bank unleashed at me and my family is unreal. 

The frustration got to a point where I asked an agent if they wanted me to be violent? 
But as the script they read from states, " We understand your frustration, we are doing everything we can to help '' I ask to Close my account and they refused to, so I stop using the account and on XX/XX/XXXX I called in and closed my account. The agent said the check will take 7 to 10 days for me to receive my balance on my account in the form of a check. 
Today is XX/XX/2022 and still no check. After a follow up call the first agent, he said that's why I have so many restrictions and them closing my accounts, For me asking him why after a month they fail to process my request and send my money to me. 
They XXXX a letter to me forthwith but failed to send me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Financial Accounts Service Team Inc.
State: SC

Complaint narrative:
Notified on XXXX by credit monitoring that a new collection was on my XXXX report from Financial Account Service Team for {$250.00}. I have never received any notification from this company or the original creditor about this debt in writing, phone call, or any other correspondence. I have not received any verification of this debt. I have lived at my current address since XX/XX/2021. Change of address was completed by USPS. I have received any and all mail, bills, etc... forwarded from previous address, including legal documents from a probate case in Virginia. All forwarded mail had yellow forwarding address label attached stating that sender was notified of new address, but nothing ever received from either company in this collection matter. I demand that this company delete this file from my credit reports because they have not lawfully supplied me with any chance to dispute this claim before reporting to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 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 Inquires XXXXXXXX XXXX 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 an 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 2022-06-11 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 Inquires XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, and XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C. 1681 602 A. States I have the right to privacy 15 U.S.C. 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2022-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have submitted disputes to you and did not get a response from you within 30 days. Yall are required by law to do so. Please I investigate my disputes. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights on 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

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 2022-06-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I have already filed a complaint on Transunion over gross negligence with regard to my credit score. Rather than answer the question they mailed me an application to get my credit score. I will attempt to simplify this for the A.I. that apparently reads their complaints. I AM NOT ASKING FOR A CREDIT REPORT OR A CREDIT SCORE.

The Original Complaint Asks Transunion To Explain Why did you tank my credit score XXXX points rather than the standard XXXX points recently? 

History I have NO blemishes on my credit report that would explain such a drop. XXXX and XXXX dropped my score the standard ( and expected ) XXXX pts when I applied for a second card. NOT XXXX Points. 

I deserve an explanation for why you ruined my score. Even credit advisors can not explain this to me. I have also attached two reports from XXXX XXXX showing the impact on my score with both TransUnion ( destroyed ) and XXXX ( still very good )

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 2022-06-11 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, and XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C. 1681 602 A. States I have the right to privacy 15 U.S.C. 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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