vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-05 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Midland Credit Management Accordance with the Federal Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states that I have a right to privacy.

15 USC 1681 section 604 ( a ) section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ) Billing Error- A creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05 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: TX

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$450.00} ; XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$170.00} ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$630.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$740.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$380.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$660.00} ; XXXX & XXXX XXXX XXXX XXXX : {$4600.00} ; XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX : {$1300.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$230.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1300.00} ; XXXX, XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Date of Inquiry : XXXX ; XXXX Mortgage Ser Date of Inquiry : 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 2022-10-05 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: NJ

Complaint narrative:
in accordance with the fair Crest Fosporing act XXXX  Alcourt my rights 15 US C 1681 section 802 A. States I have the right lo privacy.

15 US. C 1881 Section 804 A Section 2 : 2 also states a consumer reportng agone ) can not fumish a account witout my writen instructions 1. XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Account type Collection 2. XXXX XXXX XXXX  Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Charge Card 3. XXXX XXXX XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan 4. XXXX XXXX  XXXX Account XXXX XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto 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
Consumer complaint received 2022-10-05 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 2022-10-05 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: IL

Complaint narrative:
My complaint is transunion LLC they are reporting two accounts that are not mine I am a victim of identity theft I have proof. But yet they still countuine to report incorrect information on my credit file. 
The two XXXX XXXX accounts are # XXXX and # XXXX that are incorrect on my credit file these account are not mine. 
The resolution is to correct the issue.

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 2022-10-05 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: TX

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXXXXXX XXXX XXXX  XXXX Balance : {$1200.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$170.00} ; XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$740.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$380.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$660.00} ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$4600.00} ; Global Lending XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX Balance : {$1300.00} ; XXXXXXXX XXXX  XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1300.00} ; XXXX, XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Date of Inquiry : XXXX ; XXXX Mortgage XXXX Date of Inquiry : 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 2022-10-05 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: TX

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX, TX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$450.00} ; XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$170.00} ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$630.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$740.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$380.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$660.00} ; XXXX & XXXX XXXX XXXX XXXX : {$4600.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX : {$10000.00} ; XXXX XXXX XXXX : {$1300.00} ; XXXXXXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1300.00} ; XXXX, XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bank Date of Inquiry : XXXX ; Equifax Mortgage Ser Date of Inquiry : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
XXXX XXXX Mortgage transferred my mortgage loan to Mr. Cooper. I had set up an auto pay with my checking account with XXXX XXXX Mortgage. When I received notice from them that my loan transferred I called to verify my payment would not be deducted and was told incorrectly that the auto pay would be disabled and no payment would be taken. I paid the payment to Mr. Cooper as the letter instructed. Apparently without my consent XXXX gave or sold my private checking account information to Mr. Cooper who AFTER I already made my payment took it upon themselves to reach into my checking account without my permission and take another payment from my checking account. While the payment was still pending with my bank I contacted Mr. Cooper who said they had gotten the info for auto pay from XXXX. I told them that I already made the payment and most importantly DID NOT give them my checking account information nor permission to automatically deduct anything from my personal checking account. XXXX from Mr. Cooper stayed on the line while she connected me with my bank. After much discussion we learned that I had to put money in to cover the payment, then stop payment. Which I did. Now Mr. Cooper has the nerve to charge me for a returned check. I never sent them that check they fraudulently dipped their hand into my personal checking account after getting my personal info from XXXX and tried to steal a second payment. I also had to pay {$20.00} to stop the fraudulent payment that they tried to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: TX

Complaint narrative:
All inquiries on my Equifax Credit report are correct except ( XXXX XXXX XXXXXX/XX/2022 ), ( XXXX XXXX XX/XX/2022 ), ( XXXX XXXX XXXX XX/XX/2022 ), XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 ) ( XXXX XXXX XXXX XXXX ) these are unauthorized inquiries on my credit reports an I have mailed several disputes and see no changes!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Synchrony Bank unilaterally closed my account over a {$44.00} amount due with no notice. I paid the card up to date, but it was closed a day later. On that {$44.00}, the card still had {$24.00} in rewards to be used on Amazon.com They told me that, per their terms and conditions, I forfeited my {$24.00} benefit when they closed the card. This does not seem to me to be legally permissible terms and conditions, especially when they can take unilateral action to take away a defined monetary benefit.

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 monetary relief
Consumer complaint received 2022-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
My Mortgage has been transferred to the fifth third bank from other Mortgage lender that the builder had sold my loan to. Fifth third bank has been harassing me to buy an expensive liability insurance since the HOA did not renew the liability insurance. I have been calling the HOA to get this rectified and they purchased this with the start date about 2 months later than the expired date. The bank checked this and again this time added an additional {$800.00} as protection insurance on my escrow for the whole community. This has not happened to many other people who have similar loan from the bank. Bank should have directly interacted with the HOA instead of harassing me for the liability insurance which lapsed. Also it is unfair to add an additional XXXX to me when I followed up with HOA to buy the insurance and moreover there are many other homes in the community with the mortgage from the same Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: KEYCORP
State: NY

Complaint narrative:
I opened an account with XXXX XXXX ( serviced by Key Bank ) on XX/XX/XXXX. I funded the account two ways, first with {$5.00} from a XXXX XXXX account, and second with four {$500.00} money orders purchased on XX/XX/XXXX. I then referred a friend to XXXX, who received his referral bonus and still has a working account with them today. 
The funds from the money orders were held until XX/XX/XXXX, and when I tried to access the account soon after that date the online banking platform rejected my login, saying to contact the bank to verify my identity. 
I went through many calls trying to figure out what the problem was, and no one at XXXX XXXX could tell me anything other than that the funds were approved and available, but my account was under review for an unknown reason. 
Key Bank sent me a letter notifying me of suspected suspicious activity on my account on XX/XX/XXXX, and that my account was under review, but I never heard from them again until last week, XX/XX/XXXX, when I received a letter dated XX/XX/XXXX informing me that they honored my request to close my account and were including a check for the closing balance. 
The check they sent was for {$5.00}, and there was no mention of the additional {$2000.00}. I was already told verbally by an account representative that the funds were approved, and I received a statement from XXXX XXXX at the end of XXXX that confirmed my account held {$2000.00}. I even contacted XXXX XXXX and confirmed that all four money orders had been cashed. I am including the pictures of the money orders and receipts for all of them. 
This is theft. It is so unprofessional and unacceptable to close my account without verifying anything with me, asking me any questions, or communicating with me at all. And it is even more ridiculous to close the account and pretend the {$2000.00} balance never existed, even when they sent me a published statement confirming the balance at the exact same time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: CarMax, Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 : states I have the right to privacy.

15 USC 1681 Section 4 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: United Collection Bureau, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX with the Federal Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states that I have a right to privacy.

15 USC 1681 section 604 ( a ) section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ) Billing Error- A creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LendingUSA
State: CA

Complaint narrative:
Debt was result of identity theft, I do not owe this debt, have disputed debt but the agency wont remove from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To CFPB, I have received a copy of my credit report with the intentions of trying to improve my credit and take care of responsibilities and notice a few counts that I wanted a little more explanation on. I'm not saying the reporting is right or wrong I'm just saying I am not 100 % sure if they are also reading something called The Fair credit reporting act where it says by Constitution I have the rights to challenge anything. Also I am not sure if any accounts are accurate some the reporting things on me I have never heard of which made me contact you. I have different reports from TransUnion, XXXX an XXXX XXXX XXXX that are not reporting as the same information. 2 collection that I never got debt validation. Also removal of disputes under 612 - 15 U.S.C. 1681j consumer under that section after the 30-day period beginning on the date of notification of the consumer under paragraph ( 6 ) or ( 8 ) of section 611 ( a ) [ 1681i ] with respect to the reinvestigation, which charge ( i ) ( ii ) shall not exceed the charge that the agency would impose on each designated recipient for a consumer report ; and shall be indicated to the consumer before furnishing such 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 2022-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Victim of a data breach and I reviewed my credit report and discovered inaccurate information. I dispute and it still appears on my credit report. The accounts were inaccurate and closed but still shows account active. I believe I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Byrider Franchising, LLC
State: MI

Complaint narrative:
Never updates payment history. Showing balance when the account has been paid in full. Reports to credit a balance.

Company response to consumer: Closed with explanation