vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 Sections 602 states I have the right to privacy. 15 USC 1681 Section 604a Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of 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 2023-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc.
State: FL

Complaint narrative:
This is the third CFPB complaint I am filing against Google Pay in the last couple of months. For the third time now my Google pay account under the email XXXX has been suspended for no reason. For the third time I am requested to submit my ID and most recent payment method which I submitted numerous times just to be told over and over the documents could not be accepted. I submitted my driver lisence, bank statement, phyiscal picture of my debit card, everything they asked yet they refuse to remove the suspension from my account and are now blocking me from withdrawing over {$2000.00} in my Google Pay balance which they also did in the previous suspensions. 

It is very sad that a corporation as big as Google is contiously bullying me and holding my money hostage for no reason. {$2000.00} is nothing to this company but for me it is causing serious issues not being able to accecss those funds. I am getting sick of having to file a comlpaint with the CFPB just to get Google Pay to accept my documents and stop holding my account ransom. It is very upsetting that it takes a government agency just to make sure Google Pay follows the rules and doesn't steal from me. I can only imagine how many people have suffered at the hands of this company because they did not have the same consumer knowledge that I have and did not file a report with the CFPB. Please Google Pay stop holding your customers accounts hostage and attempting to steal their money. It is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: NJ

Complaint narrative:
To whom it may concern, I XXXX XXXX XXXX, try to apply for a credit card and was denied because of the incorrect credit reporting from XXXX, TransUnion, and XXXX Credit Bureaus, so on XX/XX/2023, I send XXXX, TransUnion, and XXXX Credit Bureaus, I sent them a letter informing that they are reporting incorrect information on my credit report, they reply that all the information was updated, I never had any credit cards, only debit cards, and I requested them to update my credit report and delete the incorrect accounts, 1. XXXX XXXX XXXX # XXXX 2. XXXX # XXXX 3. XXXX XXXXXXXX # XXXX**** Today XX/XX/2023 I check my report with XXXX XXXX TransUnion XXXX and XXXX, and the fraudulent accounts are still reflecting on my credit report, please help me with this issue, 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 2023-06-06 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: NJ

Complaint narrative:
To whom it may concern, I XXXX XXXX XXXX, try to apply for a credit card and was denied because of the incorrect credit reporting from XXXX, XXXX, and Experian Credit Bureaus, so on XX/XX/2023, I send XXXX, XXXX, and Experian Credit Bureaus, I sent them a letter informing that they are reporting incorrect information on my credit report, they reply that all the information was updated, I never had any credit cards, only debit cards, and I requested them to update my credit report and delete the incorrect accounts, 1. XXXXXXXX XXXX XXXX  # XXXX 2. XXXX  # XXXX 3. XXXX XXXXXXXX # XXXX**** Today XX/XX/2023 I check my report with XXXX XXXX XXXX XXXX and Experian, and the fraudulent accounts are still reflecting on my credit report, please help me with this issue, 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 2023-06-06 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 Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone : ( XXXX ) XXXX Account : XXXX Company : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Phone : ( XXXX ) XXXX Account # XXXX, Account # XXXX, Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/2023 To Whom May Concern, Im writing in regard to 2 of my credit cards with XXXX XXXX. The  XXXX XXXX credit card accounts ending in XXXX  XXXX and XXXX XXXX XXXX XXXX ending in XXXX  XXXX. I recently pulled my credit report & it shows that these cards are not being reported to the following Credit Bureaus XXXX and Equifax. I spoke with both XXXX and Equifax to confirm, I was told that the accounts are not being report to them and to call XXXX XXXX to speak with them. Also, that they're the ones who have to send documents in order for the credit card to start reporting. XX/XX/XXXX is when I initially reported the problem, I was sent a letter on XX/XX/XXXX and XXXX. Theyre two different departments. The letter stating that the XXXX XXXX XXXX is being reported, the other letters for the XXXX XXXX  stated they wanted me to send more information proving that its not being reported. I sent XXXX XXXX a full credit report providing them with highlight details showing nether one of the credit cards on the credit reports. I also have another 3rd credit card with XXXX XXXX a XXXX account I provided as well showing that account is being report, just to prove that the other 2 are not. So I received another letter on XX/XX/XXXX. Both letters stated the credit cards are being reported. I'm not sure where the confusion is coming from whether its XXXX XXXX not reporting or it's XXXX or Equifax, I have no clue what else to do. As I was not aware of this matter until recently getting my credit repaired. I have a account with XXXX  thats monitoring my credit & pulled my report from there website as well & neither one of those credit cards are showing. I have had these cards for some time now & this comes as a shock that making on time payments are not being accounted for toward my actual credit score. I hope this issue can be resolved quickly. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/ To Whom May Concern, Im writing in regard to 2 of my credit cards with XXXX XXXX. The XXXX XXXX XXXX XXXX accounts ending in # XXXX and XXXX XXXX XXXX XXXX ending in # XXXX. I recently pulled my credit report & it shows that these cards are not being reported to the following Credit Bureaus Transunion and XXXX. I spoke with both Transunion and XXXX to confirm, I was told that the accounts are not being report to them and to call XXXX XXXX to speak with them. Also, that they're the ones who have to send documents in order for the credit card to start reporting. XX/XX/XXXX is when I initially reported the problem, I was sent a letter on XX/XX/XXXX and XXXX. Theyre two different departments. The letter stating that the XXXX XXXX XXXX is being reported, the other letters for the XXXXXXXX XXXX stated they wanted me to send more information proving that its not being reported. I sent XXXX XXXX a full credit report providing them with highlight details showing nether one of the credit cards on the credit reports. I also have another 3rd credit card with XXXX XXXX a XXXX account I provided as well showing that account is being report, just to prove that the other 2 are not. So I received another letter on XX/XX/XXXX. Both letters stated the credit cards are being reported. I'm not sure where the confusion is coming from whether its XXXX XXXX not reporting or it's Transunion or XXXX, I have no clue what else to do. As I was not aware of this matter until recently getting my credit repaired. I have a account with XXXX thats monitoring my credit & pulled my report from there website as well & neither one of those credit cards are showing. I have had these cards for some time now & this comes as a shock that making on time payments are not being accounted for toward my actual credit score. I hope this issue can be resolved quickly. 

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 2023-06-07 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: TX

Complaint narrative:
The credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, date last reported is inaccurate, High balance is inaccurate, date reported is inaccurate, Last payment is inaccurate, and payment history is inaccurate. This is grounds for removal, they also violated my rights under 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. 

Here are my complaint id 's for previous complaints against the bureaus : 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 explanation
Consumer complaint received 2023-06-07 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: TX

Complaint narrative:
The credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, date last reported is inaccurate, High balance is inaccurate, date reported is inaccurate, Last payment is inaccurate, and payment history is inaccurate. This is grounds for removal, they also violated my rights under 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. 

Here are my complaint id 's for previous complaints against the bureaus : 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 explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: TX

Complaint narrative:
On XX/XX/2022, I wrote a check # XXXX to my telephone provider, XXXX, for {$64.00}. 
The check was altered to {$9500.00} and that amount was to an XXXX XXXX on XX/XX/2022. The PNC bank was contacted within 60 days of the date the check was written, to correct the problem. PNC requested a an affadavit of the altered check. This affidavit was submitted to PNC XX/XX/2022.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$5900.00} XX/XX/XXXX NOT PROVIDED XXXX {$1900.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C , 1681section 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. 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 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 2023-06-06 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: GA

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry.

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 2023-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Ascension Point Recovery Services, LLC
State: IL

Complaint narrative:
My wife and I moved to this area in XXXX of XXXX. She was diagnosed with XXXX XXXX, and we moved here because her surgeon was close by this area. On XX/XX/XXXX, we went to the retailer and purchased living room and dining room furniture. The retailer was offering XXXX percent interest for five years on the furniture. We both gave them our drivers license and all pertinent credit data and we told them we both wanted to be on the account because no one survives XXXX XXXX. Some may just live a little longer than others. We were approved, bought the furniture, and it was delivered on XX/XX/XXXX. We were happy with the creditor as we had paid off two large purchases with XXXX percent interest with them in the past. We made all of our payments on time. My wife passed away on XX/XX/XXXX. On XXXX I went to the same retailer to buy a new bed. I gave them my info and said I wanted to buy it XXXX interest financing for 2 years. A few months go buy and all the payments are made on time. But I didnt like the way they applied the payments to principal. I called customer service to see if there was another way they could apply the principal. They asked who I was, I gave them all of the pertinent info on my wife, and myself. The creditor said, You are not on the account, can I speak to your wife. I said no, she died of XXXX XXXX 4 months ago. They said they could no longer talk to me, transferred the call to the deceased division. The deceased division told me the account had to be closed immediately. I said Why, I am on the account. They said No, you are not. I said Really? How can that be? On XX/XX/XXXX I purchased a bed, my wife had been dead for 3 months, and my name is on the invoice. They told me to send in her death certificate, will, and marriage license and told me they would get back to me. On XX/XX/XXXX of this year, I get a letter from a collection agency contracted by the creditor requesting payment in full out of her estate. I called the collection agency once a week for the last month trying to resolve the situation. Each time the call was escalated to the next level. Then I would get a voice mail. EVERY time I left my contact info. I have not heard from them at all. Whats my solution? They reinstate the debt with NO PENALTIES, and I pay the debt off as I have for all of my debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
From XXXX until XXXX, I completed all necessary documents for a modification and was denied repeatedly for incomplete paperwork. I lost my home in foreclosure after all attempts to satisfy the Carrington Mortgage loan modification team.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: TN

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.

The letters are stated with items and issues.

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 2023-06-06 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: TN

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.

The letters are stated with items and issues.

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 non-monetary relief
Consumer complaint received 2023-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
XX/XX/23 Freedoom Mortgage automated withdraw additional {$1500.00} on top of {$1600.00} on my monthly payment. They automated changed my monthly payment from {$1600.00} to {$3200.00}. Never have an escrow account, I pay my own taxes and insurance. They billed a escrow shortage amount of over {$8000.00}. I have been on the phone for more than 4 hours, and got hung up by one of the customer service agent, got transferred back and forth 6-7 times between customer service and the escrow dept and the problem still has not been fixed. I did request to remove the escrow account because I never have escrow/impound and always pay my taxes and insurance very on time since I have the loan.

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