vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-14 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: MS

Complaint narrative:
I would like for the bureaus to highly look into this matter as soon we possible and remove the items that do not belong to me. It is honestly unfair that I have to go through this and do all this research when things could just be done correctly the first time. 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 non-monetary relief
Consumer complaint received 2022-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On or about XX/XX/2022 I deposited a {$10000.00} check from a friend into one of my Ally Bank accounts. Even though my friend contacted XXXX ahead of time, the check was erroneously flagged 'return to maker ' by XXXX XXXX Ally froze all my accounts, including one owned by my mother, because of the status of the check. A week later I cleared up the confusion at XXXX and they changed the status of the check, however Ally still has my accounts frozen and I have no recourse to get access to my money. I've contacted Ally several times, including letting them know that XXXX changed the status of the check, have left messages for a return call from a supervisor, and have been told that an investigator will get back to me, but still have not gotten a call from anyone at Ally.

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 2022-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
There are several accounts only reportimh to Equifax that are inaccurate. Ive contacted Equifax on several occasions but theyve failed to resolve this issue. Im in the process of purchasing a home and my debt to income ratio is higher than it realistically is due to this error. Im trying to have this resolved immediately. The accounts and their balances are listed below. 

XXXX XXXX XXXX  XXXX reporting balance of {$5500.00} & its been paid off since 2020. 

XXXX XXXX reporting {$30000.00} & thats incorrect because it should be showing a balance of 0. 

XXXX XXXX reporting {$36000.00} & thats incorrect because that account should have a {$0.00} balance as well. 

XXXX XXXX card showing {$900.00} & thats inaccurate also.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I own a business and have used BOA credit cards for myself and my employee. I have a {$25000.00} limit on my card and my ex-employee had a clearly identified spendable maximum limit of {$5000.00}. He has been exceeding that limit and last month he spend over {$12000.00} on the card which as a {$5000.00} limit. BOA takes no responsibility at all for this excessive overuse of the credit card limit which they approved. This employee has since left the company.

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 2022-06-14 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: CITIBANK, N.A.
State: IL

Complaint narrative:
My argument is I was at XXXX XXXX and the cashier told me I would save more money with a home depot card would I like to apply. I told her at the moment I didnt have time I would look into it when I got home. So I did once because Im doing some re- modeling in my home. I logged onto the site read the literature and APRs on the card it clearly states on the site The meaning of PREQUALIFY is to qualify as a candidate : to meet the preliminary requirements for something. Quoted directly from the site Dont worry, this wont impact your credit score. I called the rep at the XXXX XXXX number and she clearly assured me that it was a soft pull and now I have a hard pull on my credit profile. 
This is your formal notice to cease your unauthorized hard inquiry into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : Citi Bank made on XX/XX/2022 Made with XXXX to my knowledge, I have not signed any documents authorizing your organization to pull my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to the CFPB after your investigation so that I may verify its validity. I'm sure you'll agree that verifying your information is in your best interest. 
Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act These Accounts ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF ED/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 XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14 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: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX Account Number : XXXX Please remove it from my credit report 2.Validate Account XXXX  Account Number : XXXX Please remove it from my credit report. 
3.Validate Account Account Number : XXXX Please remove it from my credit report. 
4. Validate Account Account Number : XXXX Please remove it from my credit report. 
5. Validate Account Account Number : XXXX Please remove it from my credit report.6. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
6.Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
7. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8.. Validate Account Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian, Has Fail To Remove An Fraudulently Reporting Account ( Southwestern Recovery ). 
FTC Report Was Provided, Experian Stated Report + Police Report Was Misrepresented. 
Contact Creditor To Advise Of Fraud Account And They Stated To Contact Credit Bureau. 

XXXX, Has Also Fail To Update Report For Fraudulently Reporting Account ( Southwestern Recovery ) As Of XXXX But Fraud Team Stated Request Was Update For Removal Last XX/XX/2022. 

XXXX, XXXX, Experian Has ALL Fail To Report Accuracies Of Creditor XXXX XXXX. 
XXXX, XXXX Reporting 30 Day Marking XXXX XXXX  - Payment Status Shows Payment Made Deferment/Extension Was Granted On Account Prior ; Supposedly 2 Extension That Cover Prior Month, So Payment Was Applied In Due Time. After Dispute + Documentation Was Provided. 

Experian, Has Fail To Update Creditor ( XXXX XXXX  ) Account Reporting After Dispute XXXX XXXX, Deleted XX/XX/2022, Added XX/XX/2022. XXXX Pmt Is NOT Due To Report Past Due Yet. Possible System Auto Error.

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 2022-06-14 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: NV

Complaint narrative:
CFPB Write up n accordance with the Fair Credit Reporting act 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 Account ( s ) Original Creditor : Orthopedic Physician Associate Collections : Audit and Adjust Opened : XX/XX/2021 Amount : {$520.00} Original Creditor : XXXX XXXX XXXX XXXX Collections : XXXX XXXX XXXX Opened : XX/XX/2021 Amount : {$26.00} Original Creditor : XXXX XXXX XXXX  NA Collections : NA Opened : XXXX XXXX Amount : {$0.00} Charge-Off

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NE

Complaint narrative:
This is regarding me cooper, subserviced by lake view loans. 

In XXXX we signed mortgage modification papers. It stated XX/XX/XXXX our payments would resume. I went to pay online on XX/XX/XXXX and it stated a balance of {$0.00}. And that our next payment was due XX/XX/XXXX. So I thought maybe I remembered wrong. I got a call mid XXXX about our late payment. I explained the situation and requested a call back from a supervisor. About 3-4 days later I had to call again and request a call back. I received a call 4 days later on a Monday, and she left a voicemail to call her back at her personal office phone. I did, left a voicemail and received no response. I called again 2 more times over the next few days and still never got a call back. I call today to pay XXXX $ of my mortgage and figure as I get money XXXX just get caught up. Well, Im told when I call in that the manager left a note on my account that she cant do anything for me. I didnt even get a chance to tell her what happened, she just got the jist from an employee. How is that ok? Then she tells me XXXX cant just pay XXXX $ toward my payment. I need to pay it in full, or I need to pay XXXX $ today and XXXX $ for the next 3 months. I could do that, but not in lump sum amounts. So I cant pay my mortgage. I literally have no way to, they can have me come up with XXXX $ out of the blue, or have my bank bounce and I go thousands of dollars in debt, they wont let me simply pay it off one step at a time. How is that legal? Then the employee has the gall to suggest I sell my home. When Im LITERALLY TRYING TO PAY IT.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT

Complaint narrative:
This complaint is with regard to TransUnion LLC. I tried to get my free credit report online on XX/XX/XXXX. I was denied and was informed that I would have to submit written proof and photocopied documents to the company in order to get my report. The time involved, the materials that I would have to gather and copy, and the postage cost does not make this annual report free. It has become instead a great inconvenience. 

Needless to say, I won't be sending these materials in the U.S. Mail, where they could be intercepted, stolen, or lost.

My complaint is that my husband was able to get his free report online from TransUnion a couple of days earlier. We have lived in our current home for the past twelve years. Our shared financial accounts date back to XXXX. In past years, I have had no problem with TransUnion and receiving a free report online. Why now does it no longer work with TransUnion?

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 2022-06-14 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: ERC
State: OH

Complaint narrative:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: KS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX the Accounts proceeding, 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.

Section 1681 ( a ) ( 5 ) of the FCRA, they must delete this information from my credit report and send me an updated copy when this action is completed. 

XXXX XXXX XXXX Account number XXXX Account status Closed Company sold to ; XXXX XXXX XXXX XXXX Original creditor Comments Transferred to another lender Purchased by another lender Contact info Address XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX Account status Closed This account is passed the statues of limitation period in Virginia. Also In Virginia, the applicable statute of limitations for credit card debts, mortgage debts, and medical debts is five years. After the statute of limitations has expired, a creditor or debt collector can no longer file a collection lawsuit related to that debt. XX/XX/2021 Debt Type : Deadline in Years Credit Card : 5 Auto Loan : 4 Oral : 3 Responsibility Individual Terms 60 Months Contact info Address XXXX XXXX XXXXXXXX XXXX, VA XXXX Phone number ( XXXX ) XXXX. 

XXXX XXXXXXXX XXXX  GA XXXX Reference number XXXX Record type Bankruptcy chapter XXXX XXXX XXXX XXXX CT GA XXXX Additional Information : If the Chapter XXXX plan is dismissed, If a bankruptcy case is dismissed, the legal affect is that the bankruptcy is deemed void. Dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order of relief. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, they have no right to maintain information which the government has deemed nonexistent.

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, they must delete this information from my credit report and send me an updated copy when this action is completed.

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 2022-06-14 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: KS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX the Accounts proceeding, 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.

Section 1681 ( a ) ( 5 ) of the FCRA, they must delete this information from my credit report and send me an updated copy when this action is completed. 

XXXX XXXX XXXX Account number XXXX Account status Closed Company sold to ; XXXX XXXX XXXX XXXX Original creditor Comments Transferred to another lender Purchased by another lender Contact info Address XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account number XXXX Account status Closed This account is passed the statues of limitation period in Virginia. Also In Virginia, the applicable statute of limitations for credit card debts, mortgage debts, and medical debts is five years. After the statute of limitations has expired, a creditor or debt collector can no longer file a collection lawsuit related to that debt. XX/XX/2021 Debt Type : Deadline in Years Credit Card : 5 Auto Loan : 4 Oral : 3 Responsibility Individual Terms 60 Months Contact info Address XXXX XXXX XXXX XXXX, VA XXXX Phone number ( XXXX ) XXXX. 

XXXX XXXX XXXX  GA XXXX Reference number XXXX Record type Bankruptcy chapter XXXX XXXX XXXX XXXX XXXX  GA XXXX Additional Information : If the Chapter XXXX plan is dismissed, If a bankruptcy case is dismissed, the legal affect is that the bankruptcy is deemed void. Dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order of relief. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, they have no right to maintain information which the government has deemed nonexistent.

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, they must delete this information from my credit report and send me an updated copy when this action is completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
in accordance with the Fair Credit Reporting act 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 15 U.S.C 1692C 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.

I've lost my information back in 2019 and i didn't pay mind to it and a few years later im checking my credit score and seeing a lot of inquiries that i have not done. when i check i see my rights are being violated because there are reports on my credit that i have not done which is highly impacting my credit and i'm not sure how to approach this.

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 2022-06-14 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX, XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX Acct XXXX XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Acct # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Acct # XXXX, XXXX XXXX XXXX Accts # XXXX and # XXXX, XXXX  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 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