vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-13 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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 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 2022-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
About 2 years ago I decided to open up an account with U.S. Bank. When it comes to adding funds to my account, I didn't come to think that I would have this problem still today. As for, all my other accounts that were funded the same way I funded my U.S. Bank account. I did not have any problems whatsoever. U.S. Bank is holding approximately {$9000.00} of my money. They say my account was closed due to suspicious activity or fraud related transactions. Which I think is ridiculous. Im already a victum of id theft myself and going through this just makes my life even worse. Ive tried mumtiple times to try anf resolve this situstion but have gotten no where but in circles. I've been waiting for either a cashiers check or for the funds to be " returned to the sender '' as XXXX the fraud specialist has mentioned. XXXX is also holding another XXXX of mine and also realized that XXXX has been deducted from my account which I have no idea why. I'm furious and upset that I'm going through worse obstacles today because of this reason. I really am in need of help. For more Information please contact me.

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 2022-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
In XXXX of XXXX I filed a dispute with Experian by submitting a letter asking them to verify the accuracy of an account with XXXX Dispute # XXXX ( Account XXXX ) and I also advised to send me the original contracts used to verify the legitimacy of the account. They never sent information that was used to verify the account. 

In XXXX of XXXX another dispute was filed advising the same as before.. nothing was sent and the account remains. I do not owe this company and its preventing me from obtaining housing. Please get this issue resolved so that it is removed. Thanks.

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 2022-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have an account in TD bank. A fraudulent used my name to withdraw money from my account. The person stole my money of {$4700.00} in the summer of 2021. But the bank refused to compensate. 
My account # XXXX Case reference # is XXXX or XXXX All the best

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Trident Asset Management, L.L.C.
State: TX

Complaint narrative:
Trident Asset Management is furnishing inaccurate, and unverifiable information to the consumer reporting agencies. Trident is reporting different account activity dates to each agency. Trident is reporting different account status dates to each agency, they report closed to one and open to another agency. Trident is reporting multiple address for their company in an attempt to deceive the consumer and make them unreachable. Trident is not reporting that this debt is in dispute by the consumer to Equifax. Trident is derelict in their duty as a data furnisher. They knowingly or should know that the information is inaccurate. They have never received written instruction from me giving them permission to furnish a consumer report as it relates to me. Trident has never replied to the Notice of Debt Validation which they received from me. Trident Asset Management is engaging in fraudulent and deceptive means in an attempt to collect a disputed debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: PA

Complaint narrative:
I am submitting this complaint as there is no third party involved, I am making this complaint to SPRING OAKS CAPITAL LLC on my own behalf. Because I believe this business is infringing on my right to privacy. The Privacy Act of 1974 is being pursued. 

This company exploited my personal identifying information without my permission, which is considered identity theft under 15 USC 1681a ( q ) ( 3 ). Also, this company is penalizing me, damaging my name, and undermining the public confidence by furnishing an account to the consumer reporting agencies for which they have no legal power or direct contract to try to collect on this supposed obligation. 18 USC 894 prohibits such conduct. " Collection of extensions of credit by extortionate means

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-13 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:
XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX & XXXX / & Inquiry 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 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 2022-06-13 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 FCRA, the following accounts have violated my rights. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 Section 604 A Section 2 also states a conumer reporting agency SHALL NOT furnish an account without my WRITTEN instructions. 15 USC 1666 B states addedly, that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ANY reason.

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 2022-06-13 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: NY

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-06-13 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: NY

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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:
XXXX XXXXXXXX Account # XXXX XXXX XXXX Account is showing a late payment for XXXX 2017. I WAS NEVER LATE ON ANY PAYMENTS.

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 2022-06-13 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: FL

Complaint narrative:
XXXX  XXXX Account # XXXX XXXX XXXX Account is showing a late payment for XXXX 2017. I WAS NEVER LATE ON ANY PAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX  XXXX Account # XXXX XXXX XXXX Account is showing a late payment for XXXX 2017. I WAS NEVER LATE ON ANY PAYMENTS.

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 2022-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
In XXXX of XXXX I discovered that I could no longer continue in my employed profession due to suffering a XXXX XXXX and the following surgeries. I applied and was approved for XXXX. However, I was advised that my pay would not start until much later. 

My wife and I contacted our mortgage company and explained our situation. We requested a deferral, an adjustment, or any relief to aid us through this situation. Not only was nothing offered to us ; we were not allowed to make any payments that were not the full amount. This continued for almost a year. 

In XXXX of XXXX ; I received my first XXXX check which included past months of eligibility. Excited I contacted the mortgage company to apply the entire amount to my past due amount. I was informed that they could not accept the amount because it was short of the entire amount of delinquency which included late fees and penalties. During XXXX conversation my wife had with a service XXXX ; she was informed " Well, you could always file for bankruptcy ''. Frustrated, and at my wits end, I did not know what else I could do. 

The mortgage company foreclosed on the house, and it was scheduled for auction in XXXX of XXXX. My wife and I filed for bankruptcy which stopped thefi sale. Unfortunately, we filed XXXX XXXX ( stupidly ). We were able to rescind that motion and stop the bankruptcy. During this time frame I discovered an article stating that the CFPB settled with the same mortgage company with a consent order. 

I am in contact with the mortgage company trying to be fair. Here is the recommendation from them : Short Sale-approved, Deed-In-Lieu-approved, Home Retention-denied. I do have a law firm on retainer in case I must file bankruptcy or take them to court. 

I do have documentation I can send to you via overnight mail.

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 2022-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2022, I reported to Chase Amazon Credit Card member service, then filed a complaint to XXXX Police Department, filed a consumer complaint with the Texas Attorney General 's Office of Consumer Protection, and notified FTC that someone has stolen my credit card information and placed unauthorized charges on my CHASE, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 
I have sent to XXXX XXXX XXXX XXXX XXXX XXXX, AND CHASE all collected evidence that proves I was a victim of identity theft. XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AND CHASE have launched an investigation into my identity theft incident. XXXX, XXXX XXXX, and XXXX  XXXX XXXX have found that I was a victim of identity theft. Therefore, I am not liable for the unauthorized charges. 
However, CHASE AMAZON force me to make payment for XXXX Furthermore, CHASE is not able to send me any copy transaction invoice of unauthorized purchase tracking. Except, for the XXXX invoice saying the item was delivered to my address and was signed for. This is untrue because I did not receive or signed for any item from this unauthorized purchase. XXXX  can not provide a copy of the signature for this unauthorized item. Amazon has deliberately erased all of my purchased histories to support that the unauthorized charges were made from whom, email notification to whom, and tracking information to whom. Since Amazon erased all of my purchased histories there are no traces for me to see the unauthorized item was sent to whom to what email for notification tracking. 
There is no denying that CHASE and XXXX  have not been able to prove and send me a details copy of the unauthorized purchase of order containing the start of order notification invoice, shipping order notification invoice, expected delivery date notification invoice, tracking, and delivery. All genuine and authorized orders are always received notification in the email for tracking purposes from XXXX or Amazon. There are no notification traces from my email, or text messaging from Amazon purchase histories of this unauthorized purchase because someone clearly has stolen my credit card information and committed the crime using my identity. This strongly proves that I was a victim of identity theft and the unauthorized charges must be dissolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
My identity was stolen in early XXXX XXXX. I immediately froze my credit across all three bureaus, followed the guidelines on the FTC, created a fraud alert, and have a police report. In XXXX my reports across all three bureaus were unfrozen without my consent. I was able to refreeze XXXX and setup a pin. As of today, it appears that XXXX has not been unfrozen ( great! ). My complaint is against both XXXX and Equifax. Multiple days so far in XXXX, my credit has been unfrozen at both of these credit unions, without my consent. Despite calling both organizations and discussing this with customer service, I was told there is no way to secure my account. At one point, while talking on the phone with customer service at Equifax, another user called in on another line, and requested my account be unfrozen, and they obliged! I watched on my online account as the indicator noting the freeze had moved between frozen and unfrozen, while I was logged in. The only information needed when a caller calls transunion or equifax is SSN, numeric portion of your address, date of birth, and zip code. All of this information has been compromised for me, so someone continues to call bureaus and easily unfreeze my credit regularly now. Almost immediately after it is unfrozen, I receive hard and soft inquiries for credit unions, banks, cell phone accounts, etc. Is there absolutely nothing I can do to make this all stop? I have absolutely no power to control my credit being frozen, and that is unacceptable. Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I am disputing a collection account that does not belong to me. 

The collection account appears on my credit report from all three credit bureau 's. The account in question is from a collection agency named National Credit Adjusters. The amount this company claims I owe them is {$780.00}. 

I have made contact with National Credit Adjusters and all three credit bureau 's to request proof of validation. 

My first request was made XX/XX/XXXX. As of today, XX/XX/XXXX, neither the collection company or any three of the credit bureau 's has validated this account. They have failed to provide proof that this account belongs to me. 

After multiple requests, I would like to request assistance from XXXX and possibly take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: WA

Complaint narrative:
I have an Account ending in XXXX through XXXX XXXX  but NEVER use it. However, in XX/XX/2022 I was charged XXXX for " XXXX XXXX '' using this card. I was never made aware that this was going to be charged or that it was charged in the first place. I would have NEVER used this card for a purchase and IF I did, I would pay it right away. The card is linked to an old email I do not use either. This charge was ran without my consent. Several months later I received a phone call from XXXX XXXX  informing me I was delinquent on this account. I was shocked as I had NO idea there was even a balance, let alone reoccurring late fees AND a ding on my credit. = ( I take GREAT pride in my credit and strive to NEVER be late. Immediately upon learning of this charge I contacted the bank, paid the entire bill and then filed a dispute with XXXX but I haven't heard anything and regardless of the fees incurred, I am MORE concerned with having a LATE ding on my credit report. I was told by a family member of the Consumer Financial Protection Bureau and thought I would reach out in hopes I can get the LATE payment removed from my credit report. Please reach out to me anytime for more details or any further information on this matter. XXXX or email XXXX or 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