vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-11 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act Bankruptcy Account # XXXX, Bankruptcy 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 2022-06-11 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: FL

Complaint narrative:
An accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, # XXXX, # XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, and 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 non-monetary relief
Consumer complaint received 2022-06-11 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: FL

Complaint narrative:
An accordance with the Fair Credit Reporting act 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, 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 2022-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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

15 U.S.C 1681 Sec 602A states that I have the right to privacy.

15 U.S.C 1681 sec 604A Sec 2 : also states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
I bought out my lease on XX/XX/2022. Paid XXXX with a check. 
I called XXXX on XX/XX/XXXX to make sure they were sending me my title and gave them my new address. 
I was informed that it was shipped on XX/XX/XXXX. I waited two weeks and received nothing. 
After calling them I was informed they mailed it to the wrong address and theres nothing they can do to help me. 
I called them every other day since then Trying to get someone to help me but all they do is hang up and be extremely disrespectful.

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 2022-06-11 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX & XXXXXXXX XXXX XXXX account # 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 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
Consumer complaint received 2022-06-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Please refer to CFPB case # XXXX filed on XX/XX/XXXX Answer received on XX/XX/XXXX be XXXX XXXX XXXX XXXX Resolution Specialist, Regulatory Complaints, Bank of America .

The answer is missing on the HELOC loan ending in XXXX : Customer would like answers to these 8 specfic points. 

1. Regular payments were made from XX/XX/XXXX through XX/XX/XXXX. The last payment made was on XX/XX/XXXX. The uninterrupted total interest payment made on the note during these 4 years was {$95000.00}. Please confirm this amount. 

2. Notice of Intent to accelerate dated XX/XX/XXXX provided curing date of XX/XX/XXXX in the amount of {$27000.00}. Please confirm. 

3. The same letter dated XX/XX/XXXX paragraph 4 also stated If the default is not cured on or before XX/XX/XXXX, the mortgage payments will be accelerated with the full amount remaining accelerated and become due and payable in full, and foreclosure proceedings will be initiated at that time. Please concur that this is true. 

4. Since default was not cured and we were past the due date of XX/XX/XXXX, please confirm that this letter was also a valid demand and Intent to Accelerate of all sums due under the note. This is BOA obligation to answer. 

5. Prior to sending the letter of intent to accelerate until the loan was assigned to the servicer on XX/XX/XXXX Bank of America sent several threatening notices of default and foreclosure. ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX ). Please state the real reason why intimidation tactics were used and no foreclosure was commenced. This is BOA obligation to answer. 

6. Please provide the interest rate, accrued interest and fees history on the note covering the nonpayment period of 2 years i.e. from XX/XX/XXXX through XX/XX/XXXX before the note was assigned to the servicer on XX/XX/XXXX. BOA has obligation to provide this interest rate, accrual interest and fees history. 

7. Please provide the copies of the certification of the original Countrywide HELOC note which contains original signatures of the certifying entity, the original seal and the notary signature. BOA has obligation to provide the requested copies before foreclosure can be commenced. 

8. Customer will proceed to the next level of CFPB and will get intervention of Federal Trade Commission if BOA fails to provide the requested information. 

Thank you. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX Credit card through Comenity Bank fraudulently opened up in my name within past 30 days and sent to my previous address. This is the XXXX fraudulently opened or attempted card in my name within the past 3 months. I called the company and they closed it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-11 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  Account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 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: AmeriCollect
State: WA

Complaint narrative:
Americollect I just recently paid off the XXXX dollars in full on one of my collections and the other saying I owe XXXX dollars I set up for a payment arrangement now on my file it says closed when it was open and nothing on my credit score has changed Im trying to build my credit right now and do all the right things and now Im at a stand still even when Im setting up payment arrangements and paying off debts this problem needs to be fixed

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 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:
EQUIFAX did not conduct a proper investigation and wont tell me what source they got their information. The XXXX XXXX XXXXXXXX account ending in XXXX is attachment account. The mailed me a letter stating they will not reinvestigate. Conducting an E-Oscar investigation is not a proper investigation. I will attach the police report and the EQUIFAX letter they mailed me. In accordance with the Fair Credit Reporting act, EQUIFAX has violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 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: AZ

Complaint narrative:
It has been since the beginning of 2022 that I have been trying to get access to my free credit report from Transunion. I had to send in information to verify my identity and even when I have called on separate occasions on dates in XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I have still not been able to get online access to my credit report. Customer services keeps telling me that my case number XXXX has been " escalated '' to address the problem, and they have told me over 4 times that I will be able to view my credit report online within 7-10 business days and each of those 4 times, I am faced with an error message. They have explained that since Transunion had to separate two files ( my mother and I have the same name, so all our information was entwined and treated as one single credit report ), that was the issue. But supposedly that is the issue that keeps getting " escalated '' and I have been told the same thing over 4 times that it will be viewable to no avail.

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 2022-06-11 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 Act 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. Also states a consumer reporting agency can not furnish an account without my written instructions. 
XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX account 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 2022-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: TN

Complaint narrative:
We found this mortgage lender for a house back at the end of XXXX. We had the house lined up that we wanted and the lender agreed on an interest rate of 3.625 % if we locked it in by paying a {$500.00} fee. We paid it because he said they would guarantee this rate through the end of XXXX. The house was under construction and wouldnt be completed until that time. We are to do the final walk-through on Monday and close on XX/XX/XXXX. The lender now says even though they made this guarantee to us that they made a mistake and can no longer honor it. They just told us this yesterday, Friday XX/XX/XXXX. They say they will loan us the money but at the new XXXX of 5.5 %. That raises the monthly payment an additional {$700.00}. Thats an estimated amount of {$210000.00} over the life of the 30 year mortgage. Because of this Im now in breach of contract with the builder. Financially I am unable to pay the higher amount. For the past 5 months Ive been in contact with the lender and was assured everything was progressing fine.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-11 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:
In accordance with the Fair Credit reporting Act, XXXX XXXX XXXX XXXX XXXX # XXXX, and XXXX XXXX  XXXX # XXXX, has violated my rights.

15 U.S.C 1681 Sec 602A states that I have the right to privacy.

15 U.S.C 1681 sec 604A Sec 2 : also states that 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
Consumer complaint received 2022-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
on XX/XX/XXXX I signed a lease with XXXXXXXX XXXX XXXX for 52 weeks set to end XX/XX/XXXX at the amount {$210.00} a week. I paid a deposit of {$210.00}. On XX/XX/XXXX I advised the owner that I would be terminating the lease on XX/XX/XXXX. The owner advised me that I would have to pay until he finds someone to lease the space. On XX/XX/XXXX the owner took a unauthorized payment of {$210.00} out of my bank account. I advised him to reverse the payment as he had a new tenant and my obligation had been met. He refused so I had the payment reversed by my bank. Her advised me that he signed a new tenant to the space on XX/XX/XXXX so I owed him one week still. Because I paid a deposit in the amount of {$210.00} that amount would be eligible to cover the stated week per my lease. The owner threaten me that if I had the payment of {$210.00} reversed he would come after me for {$4000.00}, even though he already had someone in the space. The owner then sent my account for collections without even sending me anything stating what debt was owed and why. I advised the debt collection agency and they disregarded my emails and phone calls showing proof that I did not owe the debt and placed the account on my credit report for the amount {$2700.00}. He submitted false payment records to the credit collection agency and intentionally misrepresented my payment history. My last payment was XX/XX/XXXX ( which was reversed ). However he reported that my last payment was XX/XX/XXXX because the new tenant that signed the lease with him left the space in a few weeks he is now trying to come after me for the remaining balance of the lease that was broken by the new tenant. I have payment history from my bank and email communications with the owner and the credit collection agency for proof of all of this.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX opened an account on my credit report of {$250.00} for XXXX XXXX XXXX XXXX XXXXXXXX. All invoices are paid with XXXX XXXX XXXX XXXX and I have not rented a vehicle from them after XX/XX/XXXX. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  ( # XXXX ) has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I received my credit score from my XXXX XXXX credit card. It had dropped by XXXX points. I had a red alert. Someone used my credit report for a credit card through XXXX XXXXXXXX XXXX on XX/XX/XXXX oy 2022. It wasnt me. I called XXXX XXXX XXXX and they said yes, someone had used my credit report for a credit check. They canceled it on the spot. They said the credit card didnt go through. I would like to get this taken off my credit report. I have perfect credit. 
It had went on my TransUnion report. XXXX XXXX XXXX  I contacted was as follows. XXXX XXXX XXXX XXXX XXXX XXXX SD, XXXX. XXXX I would like for this to be taken care of. 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 2022-06-11 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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Shellpoint Mortgage reported my account as delinquent when it is not delinquent. The XXXX reporting is showing that this mortgage account is delinquent. 

The account was paid on XX/XX/2022 and Shellpoint has reported this account as delinquent on XX/XX/2022 2022

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In Accordance with the Fair Act 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. Also states a consumer reporting agency can not furnish an account without my written instructions. 
XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX account 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 2022-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In Accordance with the Fair Act 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. Also states a consumer reporting agency can not furnish an account without my written instructions. 
XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX  Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX. XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX 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