vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-04 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act 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 2022-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Someone opened a checking account with TD bank that is not me. I received a notice of my checking account in the mail from them. I contacted TD bank today ( XX/XX/22 ) and they said they would initiate an investigation. There is XXXX dollars in the account but I am guessing there is more to the story. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
I have called for PMI Removal because my house value has gone up. After 2 calls someone put me in the system to get a letter about how to remove it. The letter came, but the final appraisal cost PHH Mortgage said to get rid of PMI was way above the 22 % threshold to cancel based on my current loan amount. I called them for clarification why the XXXX was more than 78 % my loan balanced and was told I can only email the 'PMI removal dept ' which is actually just the main customer service email. I emailed them about the 'PMI Removal department ' and my situation and received an email from regular customer service saying they 'forwarded my message to PMI Department ' and give them 10 business days to respond ... That was XX/XX/XXXX. It's now XX/XX/XXXX and I've emailed and called PHH Mortgage several times but they indicate they can only 'forward my request to the PMI Department ' ; give them more time, give them more time. But they will not give me a name, contact, or email of anyone actually from the PMI Removal Department as if it doesn't actually exists. I suspect PHH Mortgage is dragging out my request so they can keep charging me PMI and have put up road blocks like faulty laying out the XXXX threshold and then pretending they are 'working on responding '. It's been very frustrating, I hope you can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: DISCOVER BANK
State: GA

Complaint narrative:
I have an issue with the Discover Secured Credit Card. I applied and was approved for a Secured Credit Card. After several e- mails from them I sent in my {$200.00} security deposit. I received the card within 3 days and received a e- mail stating they could not " verify " my social security number. the company forwarded me a document to verify this through SS which I completed and returned to them via - email as they requested. During this time, they froze the card would not allow me to activate the card until they completed their process. Discover received my funds on XX/XX/2022. 
Discover decided that my paperwork was not adequate and sent an - email stating they closed my account ( never opened ) and I would receive my funds. Today is XXXX XXXX and after several telephone calls with extreme waiting times ( 30 min plus ) I have not received my {$200.00} deposit. the money was drafted out of my bank on XXXX XXXX. 
I have called several times to be told it would be 10 business days, well now it's been a month I have no access to credit and no deposit. 
My question is what happens on my credit report ( an account that was never opened and closed ) and where the XXXX is my deposit? Why has it taken this much time and why was the funds returned as they were received via bank ACH?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Bank Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Department Store Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Bank Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX Account XXXX XXXX, has violated my rights. 

1

5 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 2022-07-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
FRAUD BY ALLY BANK EMPLOYEE ; funds embezzled Set up external bank XXXX XXXX transfer at ALLY bank website between my ALLY online saving and linked XXXX XXXX BANK saving account. Submitted EFT ACH transfer on ally bank website from my XXXX XXXX bank account to ALLY BANK online savings account for {$98000.00}. XXXX XXXX bank received this request and honored it, sending the funds to APPLY BANK and provided monthly statement showing valid transaction, which is uploaded. ALLY is claiming they never received funds even though XXXX XXXX bank statement showing withdrawal provided to them. Clearly ALLY BANK employee has embezzled the funds. I request CFPB to file complaint and investigate

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 2022-07-04 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:
The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigate consumer report '' means a consumer report report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on the credit report. 

The Credit Bureaus stated my account was properly investigation but how is that possible if the open date is in accurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 181 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 2022-07-04 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:
Went to a car dealership to apply for a car. XXXX XXXX XXXX said only they were gon na pull my credit report! However 6 more places pulled my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-04 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:
Went to a car dealership to apply for a car. XXXX XXXX XXXX said only they were gon na pull my credit report! However 6 more places pulled my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 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: CITIBANK, N.A.
State: MO

Complaint narrative:
On XX/XX/2022, I mailed my dispute letter to Citi cards CBNA ( see Exhibit A ) and received their Response dated XX/XX/2022 ( see Exhibit B ). Their response notified me that they have not investigated my dispute. I writing this complaint because their response is unjustified, and I need CFPBs assistance in resolving this matter because Citi cards has provided XXXX different addresses for disputes ( see circled items in the exhibits ). 
My complaint is that this Citi cards account was never Delinquent or Included in Bankruptcy and should never have been reported that way ( see Exhibits C and D ).

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 2022-07-04 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: PA

Complaint narrative:
I have noticed that Experian has placed XXXX unauthorized hard inquiries on my credit report. I have not given any lawful consent for any of the credit reporting agencies to furnish any negative information on my report. This is my written consent to opt out of any furnishing of any non public information including inquiries hard and soft. These inquiries are to be removed immediately. An identity theft report has been attached, and a police report has been filed 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 non-monetary relief
Consumer complaint received 2022-07-04 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX  Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act 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 2022-07-04 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act 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 2022-07-04 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: MA

Complaint narrative:
In accordance to the Fair Credit Reporting Act XXXX  accounts : XXXX XXXX Account # XXXX **** XXXX XXXX  Account # XXXX **** XXXX XXXX Account # XXXX **** XXXX XXXX Account # XXXX **** XXXXDEPT OF ED # XXXX XXXXXXXXDEPT OF ED # XXXX XXXXDEPT OF ED # XXXX XXXXDEPT OF ED # XXXX XXXX XXXX XXXX XXXX # XXXX Have 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 : States a consumer reporting agency can not furnish a account without my written instructions. I have not given these people written instructions to furnish my information. I would like a proper investigation done and these accounts removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UPGRADE, INC.
State: TX

Complaint narrative:
The company is denying to review my dispute after they failed to properly notice me of the dispute documents they needed I did in fact send in the documents they just never told me which ones I didnt send

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 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:
The credit bureau has violated my rights numerous times under 15 U.S.C 1681. 

In accordance with the Fair Credit Reporting Act XXXX XXXX account number # XXXX has violated my rights.

According to 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.

This Account was Opened Fraudulently without a written signature to show validation!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 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: PA

Complaint narrative:
I have noticed that XXXX has placed XXXX unauthorized hard inquiries on my credit report. I have not given any lawful consent for any of the credit reporting agencies to furnish any negative information on my report. This is my written consent to opt out of any furnishing of any non public information including inquiries hard and soft. These inquiries are to be removed immediately. An identity theft report has been attached, and a police report has been filed 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 2022-07-04 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: PA

Complaint narrative:
I have noticed that XXXX has placed XXXX unauthorized hard inquiries on my credit report. I have not given any lawful consent for any of the credit reporting agencies to furnish any negative information on my report. This is my written consent to opt out of any furnishing of any non public information including inquiries hard and soft. These inquiries are to be removed immediately. An identity theft report has been attached, and a police report has been filed as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 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: NC

Complaint narrative:
Ive asked transuion numerous times to remove XXXX XXXX XXXX Im not aware of it Ive spoke to them and They said I had to report it Ive spoke to XXXX and they saying the same thing its a car on my report I have no clue about I just graduated college and my school loans should be the only thing on my 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 2022-07-04 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: IA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Accounts XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX have 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 2022-07-04 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: IA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Accounts XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX have 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 2022-07-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I HAVE TRIED ON NUMEROUS ATTEMPTS TO RESOLVE THIS MATTER WITH TRANSUNION. TRANSUNION CONTINUES TO ACT IN NEGLIGENCE. THEY ARE REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT AND THEY WILL NOT REMOVE IT. I HAVE SENT OVER SEVERAL LETTERS ASKING THEM TO REMOVE THE ITEMS AND THEY STILL HAVE NOT RESPONDED. SO FAR THEY ARE STILL REPORTING A XXXX XXXX  and XXXX BANKRUPTCY AND AN AUTO LOAN AND SEVERAL FRAUDULENT INQUIRIES. I HAVE ALSO SENT OVER SEVERAL COPIES OF MY FTC REPORT EXPLAINING THE CIRCUMSTANCES AND THEY HAVE YET TO RESPOND.

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 2022-07-04 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: Colony Brands, Inc.
State: FL

Complaint narrative:
I been in prison from XX/XX/2018 to XXXX I have no knowledge of several accounts on my report.. I disputed them and provided my floc info showing I was incarcerated.. they updated my reported with higher balance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Capital Accounts, LLC
State: CO

Complaint narrative:
I was notified via XXXX that a collection had been placed on my account via Capitol Accounts XXXX of 2022 showing up to me on my credit report XX/XX/2022. I was never notified that I was being sent to collections as this is not a debt that I owe. They placed this charge on my credit report as a collection account and decreased my credit score significantly for a debt that I do not owe. I never received any communications at anytime prior to this via mail, phone, or any other way that I even owed this debt or that it was past due or that it was going into collections.

Company response to consumer: Closed with explanation