vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-23 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: AL

Complaint narrative:
This is XXXX XXXX submitting this CFPB complaint to you today to inform you as well as the Credit reporting Agencies that I have been a victim of identity theft and that the items I am disputing were the result of such crime. I previously sent a letter dated XX/XX/XXXX with complete attachments of my personal identifying documents such as my driver 's license, SSN, as Proof of billing Address. I also attached a copy of the ID THEFT REPORT I received from the FTC. I have read that the Credit reporting agencies are required to remove any account and information that resulted due to identity theft under the provisions of the FCRA section 605b. I am now submitting this CFPB complaint to request that the Credit Bureaus remove the disputed accounts completely from my Credit report. If the Credit Bureaus insist that the disputed accounts belong under my name, I will need to be presented with documents bearing my signature to support the Credit Bureaus claims. If the Credit Bureaus can not provide me copies of documents I am seeking, I would greatly appreciate it if the Credit Bureaus immediately remove the dispute accounts. If it is not that too much trouble, please remove the following accounts completely from my Credit Report : XXXX XXXX Balance : {$0.00} Date XXXX XXXX XXXX XXXX Balance : {$0.00} Date XXXX XXXX XXXX XXXX Balance : {$1500.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4600.00} Date Opened : XX/XX/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 2022-08-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Filed complaint and fraud dispute sent verification documents requesting for debt to be verifiable with original contacts as well as case lawing showing how my rights are being violated with this false reporting and affecting my everyday life. Account has not been verified it has been over 90 days, this is the third time I have sent this request with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Filed complaint and fraud dispute sent verification documents requesting for debt to be verifiable with original contacts as well as case lawing showing how my rights are being violated with this false reporting and affecting my everyday life. Account has not been verified it has been over 90 days, this is the third time I have sent this request with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. the address XXXX XXXX XXXX XXXX XXXX fl not mine

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 2022-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. the addres
s XXXX XXXX XXXX XXXX XXXX fl not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I am not a current customer of Care Credit. I was looking into applying for a loan/line of credit with this company until I saw the outrageous APR interest and how interest can be applied. I am a citizen of Louisiana where the interest on such loans is capped at 12 %. The state Care Credit is based in caps interest at 10 % and the bank it uses, Synchrony, is capped at 12 % in its home state. Yet these companies participate in usury and go unchecked. Their practices are predatory and they should be held accountable. After reading dozens of reviews and reading Care Credit 's user agreement I opted to not apply and to report 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 explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: TX

Complaint narrative:
I did not receive any validation letter from the collections company through mail or electronically.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account XXXX XXXX, XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account 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 2022-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Parkway Financial Group, LLC
State: TX

Complaint narrative:
During my mortgage process, my lender ( Inspire Home Loans ) representative promised that the builder 's incentive is going to be {$10000.00} if I use builder 's affiliated lender ( Inspire Home Loans ). When I was in the process of shopping for the mortgage, Lenders representative ( XXXX XXXX ) sent me a side-by-side comparison which included {$10000.00} in builder 's credit. ( Supporting documents are attached ). I reconfirmed with XXXX that the contract that I signed showed {$5000.00} in builder 's credit but she reaffirmed that the builder 's credit has been increased to {$10000.00} to keep the buyers inhouse. I received my final closing disclosures on XX/XX/XXXX which included {$9200.00} in builder incentives and {$1000.00} in lender 's credits. However, lender changed those disclosures at the closing, and I was not informed about that. Lender reduced the builder 's credit to {$5000.00} and manipulated it by applying my real estate agent 's commission as a credit. We had multiples emails exchanged between lender, builder, title agency and realtor and it was confirmed by lender that we can not use realtor 's contribution as builder is contributing up to $ XXXX in incentives. 
Lender keeps denying this fraudulent activity and didn't initially replied to any of my emails and refused to issue the remaining credit of $ XXXX. 

I have attached a copy of disclosures that we signed before closing on XXXX 2022 as our final closing disclosures. Page 2 shows {$6800.00} & page 3 shows {$2300.00} for a total credit of {$9200.00} from the seller. 

These disclosures also show full commission of {$9800.00} on page 2.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account XXXX XXXX, XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account 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 2022-08-23 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account XXXX XXXX, XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account 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 explanation
Consumer complaint received 2022-08-23 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
There are funds of over {$5000.00} missing from XXXX funds! We have not been given proper accounting as to where our funds are there are missing funds being held as Surplus funds which are the same XXXX funds missing not accounted for on statements! This is not an escrow issue due to their being no escrow account on this account! The law mandates that all funds held by bank customer are reported per a taped conversation agreed to by both parties. Per the conversation it was stated that the funds not being reported are in banks possession of see below : Special loans team in Virginia headquarters service team XXXX XXXX XXXX messages left for her no response Where is the ledger of these funds what has the Acct number being used to report. The excuses given XXXX funds for emergency repairs XXXX funds for emergency repairs put to principal After two years in form of principal we know nothing if this not in loan docs! See Amortization schedule buy down {$16000.00} why how and how could this be done without refinancing? This would have to be a new loan, never late, pay own all no escrow immediately after escrow removed now this Where are the funds why do the statements not reflect the total funds held at bank and why? 

XXXX customer service representative XXXX XXXX put to principal After two years in form of principal new one on us, loan reamortized why we have not made any XXXX funds for emergency repairs put to principal After two years in form of principal, Company needs to report full record of XXXX  missing funds where is it, who has it, why is it not reflected on mortgage statement clearly what is going on! Why is there a new total buy down amount when no new loan was taken out, loan in good standing even after all the trucks tried to confuse and steal funds! THIS IS NOT AN Escrow ISSUE ITS A MISSING FUNDS ISSUE AND FALSELY REPORTING FUBDS, missing etc... 
This complaint is in both my name and my wife XXXX XXXX you have authority to discuss all with her as we work together! Please report this office Manager keeps being closed yet issue is not resolved!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I need my credit score to increase so i need any and all inquirys on my credit report removed Asap cause i can't even open a bank 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 explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UPGRADE, INC.
State: CA

Complaint narrative:
Company closed my checking account on XX/XX/2022 and have not given me a written reason as to why and they have not allowed me to retrieve my funds from the account. I have emailed and called multiple times and only reason they can give me is " they are working on it. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-08-23 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXXXXXX # XXXXXXXX XXXXBANK # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXX # XXXX, XXXX  # XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX  XXXX # XXXXXXXX XXXX XXXX  # XXXXXXXX XXXX # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) # XXXX, XXXX XXXX XXXX ( XXXXXXXX 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 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 2022-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: CA

Complaint narrative:
I filed a disputed it was denied about 2 days later, I immediately requested a copy of the documents used to come to that decision, that was about a month ago they are refusing to give me the documents

Company response to consumer: Closed with explanation