vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-31 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: FL

Complaint narrative:
This is in regards to my last complaint XXXX Equifax failed to provide me with all documentation that I requested to show proof of investigation. 

I asked Equifax for validation showing documentation with any of the inquiry accounts bearing my wet ink signature authorizing an inquiry. Equifax also failed to provide documentation giving my consent to publish this information without my consent. If they did the proper investigation and contacted me before publishing they would have known I did not consent to any of these inquiries. Equifaxs reasons for putting these inquiries on my consumer report do not have anything to do with the laws previously stated in my original complaint. 

I would like to remind Equifax of XXXX XXXX XXXX Information Solutions Inc ( XXXX XXXX and XXXX XXXX  Equifax Information Services LLC ( XXXX XXXX  These consumers won their case against the bureaus due to not conducting a reasonable investigation of the dispute of the consumer, instead just took the debt collectors word. I have faith that your establishment will do the right thing and not have to follow in these steps again. If you do not provide proof the inquiries are valid through my wet ink signature then DELETE the information from my report. 
I expect a response within XXXX  days. If not I will expect that the items in question will be permanently expunged from my record. 

Inquiries- XXXXl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Best regards, Done in good faith. Without prejudice. All natural alienable rights reserved. 
XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Discovered fraudulent accounts opened in my name without my knowledge or consent. I have been unsuccessful in obtaining original signed contracts for these 2 accounts. One of these accounts was even turned into a judgment against me without my knowledge. I am just looking for signatures to be able to press charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: GA

Complaint narrative:
My federal student loans were held with Fed Loans. I submitted the paperwork as instructed for the PSLF program. However with each submission/recertification, my date for loan forgiveness was pushed back 6 months, for a total of 18 months from the original date ( XXXX XXXX  ). I was never given an explanation for why this happened, nor was the date corrected in spite of making payments on time as instructed. However now Fed Loans has been found guilty of misleading customers. I, as one of those customers, refinanced my student loans privately to prevent interest accumulation due to the dates changing. Yet I did so on false information. Now that Fed Loans has in fact been found guilty of defrauding customers, and customers are now getting credit for payments with corrections made, I would like for Fed Loans to reassume my loans so that I may have the benefit that I was promised initially.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
My landlord uses Cash App, but I dont generally use this app. The landlord paid me {$50.00} for an air conditioning unit, via Cash App. I tried to withdraw the funds to my linked bank account, but the withdrawal would not work. When I contacted Cash App customer service, I was told that the debit card through my bank is not supported and that I should use a different debit card ( though prepaid debit cards are not supported ). I told them I dont have a different debit card, and the customer support said I am unable to manually override this, please link a different XXXX  XXXX or XXXX debit card. Again, I dont have a different debit card. They said I can assure you this is the best course of action. They gave me no information to access the funds. I need to withdraw them, and can not access them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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 fair credit reporting act XXXX XXXX  ( XXXX XXXX  ) account number 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 customer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Conn's, Inc.
State: CO

Complaint narrative:
Trying to access my account online. The online system for Conns will not allow me to access my account to pay my bill. I am not comfortable with paying my bill without having access to the account balance as I have had issues in the past with payments not credited correctly. I have expressed this concern with Conns and I am receiving 1st payment default notices. They originally claimed the issue would be resolved within 24 hours and I would have access. After another 5 days I am being told they still have not resolved the issue. I want my account on pause until this is resolved and my due date extended due to their mismanagement of their systems. I understand under the Fair Credit Billing Act and Fair Credit Reporting Act they must give me access to this information and are not giving me access.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: DE

Complaint narrative:
Account reported new on XXXX XXXX and reported delinquent on XXXX XXXX from Affirm IncXXXX XXXX XXXXXXXX, XXXX  XXXX, XXXX XXXX XXXX California XXXX XXXX ( XXXX ) XXXX, phone number is disconnected

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My mortgage company is not reporting my mortgage to the credit reporting agencies for the last 2 years

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 2022-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My mortgage company is not reporting my mortgage to the credit reporting agencies for the last 2 years

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 2022-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have names, addresses, accounts, hard inquires on my credit report that is making it hard for me to get credit that should've been deleted off my credit report. Old information that isn't correct that need to be removed and bankruptcies that should've been removed from my credit reports.

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 2022-08-31 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: MI

Complaint narrative:
I have names, addresses, accounts, hard inquires on my credit report that is making it hard for me to get credit that should've been deleted off my credit report. Old information that isn't correct that need to be removed and bankruptcies that should've been removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: AZ

Complaint narrative:
Debt collection account : Account Name : XXXX XXXX XXXX Account Number : XXXX Original Merchant Balance Amount : unknown Collection Balance : {$8800.00} Original Merchant Name : XXXXXXXX XXXX Being reported to Transunion and XXXX XXXX has been disputed due to inaccuracy in XXXX, XXXX, and XXXX of XXXX, via certified mail with return signature receipt ; and the most recent letter sent out around XX/XX/2022. Each letter included specific instructions and request for the account to be accurately verified and validated as pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ) by providing copies of original contracts and payment agreements with my signature, and a description of their investigation process to include the name and contact information of the person who was spoken to verify the information and the date of which that person was spoken to. My requests also included instructions for the disputed item to be removed from my credit report if such proof of validation could not be provided. Each of my requests were responded to with computer generated response that stated only that the negatively reporting accounted had be 'verified as accurate ', but no proof or validation of the debt has ever been provided per my instructions. 
Validation requests were also sent to the reporting collection agency, XXXX XXXX XXXX and have been ignored with no response.

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 2022-08-31 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:
TransUnion reported a new XXXX card issued to me on XXXX XXXX. Contacted cc company and it doesn't exist to it, due to the special numbers used : Date added XX/XX/2022 Account XXXX XXXX Account number XXXX Type Bank Credit Cards Creditor Address XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX Investigating fraud department adviced to report it as identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-31 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: IL

Complaint narrative:
In Accordance with the Fair Credit Reporting Act XXXX XXXX credit card Has violated my rights by putting late payment status on my credit report 15 U.S.C 1682 section 602A. 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 1666B : A Creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In Accordance with the Fair Credit Reporting Act XXXX XXXX credit card Has violated my rights by putting late payment status on my credit report 15 U.S.C 1682 section 602A. 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 1666B : A Creditor may not treat a payment on a credit card 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 2022-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
Hello, I have been a customer for XXXX for a few years as I've used the service to send funds monthly to cover medical and housing expenses for my elderly parents. On XX/XX/2022, I sent a transaction totaling {$1000.00} to a family member to collect on my parents ' behalf and the transaction was canceled and funds returned. I later found out that my family member is unable to accept funds from XXXX, which I was not aware. 

I logged in late last week to send the month end rent payment and was asked to scan my ID, which I did. As I proceeded to send the funds, I received a message that " For security reasons, we are unable to complete this transaction online, by phone or at a location. Please try sending again in a few days. '' I tried again after a few days and still the same message. I called customer service and was told that the system has blocked me permanently. 

I am a XXXX Plus Rewards member ( XXXX ) and have earned points toward discounts on sending funds so I've used this service exclusively. I've had no instances of fraud. I primarily send the same amount to the same people monthly and have no history of issues. To block me from accessing the service with no disclosure of the reason or an opportunity to review to see if an error occurred, and no future benefit of the rewards program, has created harm. Financial services should be accessible to all and if you deny access, I should be provided with a disclosure or reason for that denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: IL

Complaint narrative:
After being intimidated with a court summons ( 2020 during the pandemic ) left at my door, and my XXXX nephew retrieve it as I wasnt home. I went to XXXX court to see what it was about sat on XXXX for 2 hours, no one ever showed up, so I contacted XXXX XXXX directly. 

I tried working out a settlement, NO YOU HAVE TO PAY IN FULLSo I did my best I paid more than half of the balance due and just couldnt afford it anymore. As many people struggled during the pandemic, I just didnt have the money to give and still dont. I reached out to them again ( 2021 ) asking if the payments I made could clear the debt never heard back. 

Now as of recently, they have frozen my bank account for this debt, how is that legal and how am I supposed to pay bills if my account is frozen? I know they are money hungry and dont care about people, but people are struggling, high inflation, gas, low to no pay and you freeze their accounts, such unscrupulous tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
For the past 4 months ( i.e., XXXX, XXXX, XXXX and XX/XX/2022 ) my credit report has incurred random inquiries that I did not authorize or initiate. They appear across all 3 credit reporting agencies ( i.e., XXXX XXXX, Experian and XXXX ) none of which I initiated. Examples of these institutions include XXXX XXXX, XXXX XXXX Bank XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX Bank just to name a few. These inquiries have happened multiple times over the course of months. In XXXX my credit score declined -17 points alone from these fraudulent inquires. All of the aforementioned institutions appeared on my credit report as inquiries in XXXX alone. This is detrimental to my credit score and a targeted attack against me. My credit score in mid-May was 750+ ; I have since put a freeze into place with the reporting agencies, but these inquiries need to be removed and blocked from future occurrences.

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 2022-08-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I was a victim of identity theft several accounts are illegally being reported to my credit report Citizens One XXXX i have also informed the companies of these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Velocity Portfolio Group
State: NV

Complaint narrative:
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 To whom it may concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following allege account ( XXXX ) is listed as a collection with a PAST DUE BALANCE OF Account 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 



This is a violation of the FCRA and is also in violation of requisite XXXX XXXX compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
In Accordance with the Fair Credit Reporting Act XXXX XXXX credit card Has violated my rights by putting late payment status on my credit report 15 U.S.C 1682 section 602A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A Creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation