vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-07 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: DC

Complaint narrative:
15 U.S.C 1681 section A States that I have the right to privacy.

15 U.S.C 1681 section A section 2 ; It also states a consumer reporting agency can not furnish a account without my written instruction.

( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and On my credit report Equifax has XXXX XXXX as the original lender and XXXX XXXX XXXX hasXXXX  XXXXXXXX  XXXX XXXX XXXX as the original lender. 
XXXX XXXX XXXX as different dates for last activity on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: MI

Complaint narrative:
In accordance with the fair Credit Reporting act XXXX Account, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX # XXXX XXXX # XXXX, two accounts DEPT OF EDUCATIONXXXX # XXXX, two accounts XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, and XXXX XXXX XXXX XXXX XXXXC # 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 2022-06-07 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: NV

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX  XXXX, has violated my rights. 15 U.S.C 1618 section 602 A. States I have the right to privacy. 15 U.S.C 1618 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 2022-06-07 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: KS

Complaint narrative:
I am submitting this complaint on my own there is no third party involved. I checked my XXXX credit report to see a collection account from XXXX XXXX XXXX for the amount of {$410.00}. I have no knowledge of this collection account. I disputed this account with XXXX and they keep saying the account is verified. I also see a closed Charge-off account from XXXX XXXX XXXX XXXX XXXX and Equifax report XXXX I have no knowledge of this account. I disputed this XXXX and Equifax and they keep saying the account has been verified. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the Credit Agencies are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts I listed above. 

Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I am submitting this complaint on my own there is no third party involved. I checked my XXXX credit report to see a collection account from XXXX XXXX XXXX for the amount of {$410.00}. I have no knowledge of this collection account. I disputed this account with XXXX and they keep saying the account is verified. I also see a closed Charge-off account from XXXX XXXX on my Experian and XXXX report XXXX I have no knowledge of this account. I disputed this Experian and XXXX and they keep saying the account has been verified. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the Credit Agencies are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts I listed above. 

Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts listed above.

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 2022-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
During covid I entered into a forbearance with us bank and ended that XX/XX/2021 till this day they have been unable to take my account out of the forbearance status and US Bank says that my account has not gone through system changes but they can not explain why. I have been trying to refinance with another lender XXXX since XXXX. us bank is aware i am trying to refinance. I have called US Bank over and over and over again And have been told they are working on it and that there would be a resolution very soon but have not seen any results. I also put a complaint in with their advocacy resolution team and was told they would have a resolution for me by XX/XX/XXXX. This was not the case, no one has giving any kind of update. I have not heard anything and when I have call they tell me my complaint was made and there is nothing else they can do for me. I have done 3 way phone calls with my potential lender and US Bank. US Bank has explained to the lender that I am not in forbearance and I have signed the modification, that it is their error that the account has not gone through system changes and they are working on it. The XXXX letters they have provide out of several being asked for do not have the required information. This issue, I found out is going on 5 months of me calling over and over again trying to get no results. My forbearance ended over 7 months ago. The payment I have been making to us bank are not being posted to my mortgage of forbearance but being help in some kind of limbo account. I need help please. 
The lender XXXX has stated they do not know how much longer they can continue to hold my rate after months of waiting for US Bank to complete modification. I am getting the run around from us bank and am stressed, frustrated and overwhelmed with this ongoing issue. Any assistance is welcomed and appreciated.

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 2022-06-07 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 reporter act XXXX  account number XXXX BANKRUPTCY COURT-XXXX  XXXX, XXXX DPT TREASURY, inquiries XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX  XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX has violated my rights. 15 USC 1681 Sec 602-8 states that I have the right to privacy. 15 USC 1681section 604-a section 2. i also states a consumer reporting agency can not furnish your 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 2022-06-07 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:
Multiple fraudulent credit inquiries using my name and social security number were made to different banks including XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, and XXXX XXXX XXXX. They were made in XXXX and XX/XX/2022. I have contacted Experian to have these credit inquiries removed.

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 2022-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I checked my credit report last month ( XX/XX/2022 ) and noticed that Experian listed XXXX inaccurate addresses on my credit report. In the last year, I have been involved in three identity theft cases involving data breaches AND I have had my personal identifiable information show up on the dark web twice in 2022 alone! I have placed a fraud alert on all three credit bureaus. On XX/XX/2022, I sent a certified letter to Experian requesting that all addresses ( with the exception of the address on my driver 's license ( which I sent a copy of with the letter ) ) be removed because, not only are they inaccurate, I am also a victim of identity theft. 

On XX/XX/2022, Experian received my certified letter. On XX/XX/2022, Experian placed online disputes for every incorrect address. To follow up with this, I called Experian and spoke with a representative about the XXXX inaccurate addresses. This representative removed all but XXXX inaccurate addresses and stated that these XXXX wrong addresses could NOT be removed because they are associated with XXXX old and closed accounts on my credit report. I explained that these addresses are NOT accurate and need to be removed, but she refused and suggested that I reach out to the old creditors and request that they update my current address to my credit report. Please understand that these are old and closed accounts that are no longer reporting to my credit reports. 

I asked that she email me or send me a postal letter explaining why these XXXX inaccurate addresses could not be removed, but she refused and stated she could not send this information in writing. 

The only address that should report on my credit report is the one that matches my driver 's license. I am requesting that Experian remove ALL other addresses. Keeping inaccurate information on my credit report keeps me at jeopardy for identity theft.

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 2022-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Pursuant to 15 USC 1692c ( b ) Transworld System INC is in clear violation of communication practices. Cease reporting to all consumer reporting agencies immediately. Third-Party is anyone that is not immediately associated with your company or myself. 


Failure to remove the account, subjects ARS to criminal liability for willful and knowing violation of federal law. 
15 USC 1611

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc.
State: LA

Complaint narrative:
I request Validation of the alleged debt however information was not provided that included a breakdown of the debt amount, whether or not the alleged debt is within the Statute of Limitations for my state, my physical or digital signature, the address information of the original creditor, as well as proof that the collection agency XXXX XXXX XXXX has the authority to try and collect this alleged debt from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Bank XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX 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 explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I made a ach transfer from my XXXX  XXXX XXXX account to Truist bank on XX/XX/XXXX for {$470000.00} to there account XXXX routing XXXX as instructed by Truist to pay off my mortgage account XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Md XXXX to now the mortgage has not been paid I received a past due notice for the XX/XX/XXXX payment but since I had paid the loan off I didn t make the payment but had second thoughts because I didn t want it to effect my credit score of XXXX so on XX/XX/XXXX I paid {$2800.00} but now my credit score went to XXXX now I am worried because they want my XX/XX/XXXX payment I tried to talk to Truist called on XX/XX/XXXX was on the phone for XXXX XXXX hours transferred many times and hung up on 2 times I tried again yesterday after XXXX min on the phone was hung up on again// XXXX XXXXXXXX XXXX gave me the Fax number they used and I sent a Fax telling the situation and ask that they call me nothing happened

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 2022-06-07 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: PA

Complaint narrative:
Because the traditional Credit reporting agencies are not the regulated Bureau, nor have they consulted with me to advise me what all would be disclosed to the public nor if did consult with me to see what i want reported. These practices are in violation of my Right to Privacy. The Equal Credit Opportunity Act states that all are equal under the law as all individuals ( the people ) must rely on the full faith & credit of the united states. Its because of these agencies that XXXX XXXX americans from access to the credit required for a better living experience with their families. Especially since the gold and silver been rules illegal. We can find any remedy. Then the bureau doesn't even respect the will of the consumer. What is this? Please instruct all agencies to cease and desist from reporting on my private business. Thank You.

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 2022-06-07 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: PA

Complaint narrative:
Because the traditional Credit reporting agencies are not the regulated Bureau, nor have they consulted with me to advise me what all would be disclosed to the public nor if did consult with me to see what i want reported. These practices are in violation of my Right to Privacy. The Equal Credit Opportunity Act states that all are equal under the law as all individuals ( the people ) must rely on the full faith & credit of the united states. Its because of these agencies that XXXX XXXX americans from access to the credit required for a better living experience with their families. Especially since the gold and silver been rules illegal. We can find any remedy. Then the bureau doesn't even respect the will of the consumer. What is this? Please instruct all agencies to cease and desist from reporting on my private business. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
My XXXX credit report is showing a late payment in XXXXXXXX XXXX My Bankruptcy was filed in XXXXXXXX XXXX  and this account was never late up to the date of the XXXX filing. 

There are three AMEX account numbers incorrectly reporting a late payment in XXXXXXXX XXXX 
Those account numbers are : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: IL

Complaint narrative:
I received a phone call from US Bank Fraud Department, XXXX, at or around XXXX on Thursday, XX/XX/2022. The associate introduced herself as XXXX and she was a member of the fraud department at US Bank. She proceeded to tell me there were several attempted transactions that day and her department was alerted. She continued to tell me that someone was trying to use my debit card number at a XXXX in XXXX, FL. She then proceeded to tell me that the 'thieves ' had infiltrated my accounts and were trying to use the XXXX application to send themselves money from my account. She then asked if I would be willing to help the bank, local police and FBI to catch these perpetrators by approving a XXXX transfer to an agent who was in charge of this investigation. She stated that the money would be replaced into my account within 24 hours. I, regretfully, obliged. The following day I continuously checked my account for the reimbursement. I called US Bank Fraud department again to check on the status of this process. As I was on hold for the Fraud Liaison department, I received another call from 'US Bank Fraud Department '. My waiting time on hold was to be 30 minutes, so I answered the incoming call. Another female representative said that my number had been 'flagged ' so that I could get through to their department immediately. She began to reassure me that this process was legitimate and they were investigating the source ( s ) of my issue. She, again, said that my money would be deposited within 24 hours, no later than Monday, XX/XX/2022. On Monday I call the US Bank Fraud Department, XXXX, and spoke with an agent, XXXX ', who listened to my story and immediately told me that I had been the victim of a fraudulent scam. When I asked how they could call me using the banks phone number and when I called the same number the next day how did the " scammers '' know to intercept my call into the bank, her response was that she did not know but they will investigate thoroughly. Unfortunately, I have very little confidence that US Bank will do anything to refund my money because of a hack into their own phone system.

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