vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-23 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX these companies completed Hard Inquiries on my account, has violated my rights. I did not authorize these inquiries and want them removed. 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. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Velocity Portfolio Group
State: KS

Complaint narrative:
CKS PRIME INVESTMENTS LL claims that I owe them {$700.00} plus dollars. this is fraudlunet as I paid the origional creditor the amount the balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Upon reviewing my updated credit report, I found out that there are erroneous accounts that are still reporting in my credit report. I already sent a letter of request to Equifax Credit Bureaus to investigate the assumed accounts, but I haven't received any response from them. Also, the Bureau was reporting a DELETED account from other bureaus on my credit file. Per FCRA, reporting must be 100 % accurate. Please conduct a thorough investigation for the following items : Collection : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$460.00} Inquiry : XXXX Date of Inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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:
in accordance with the Fair Credit Reporting act 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 2022-05-23 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 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 2022-05-23 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Upon reviewing my updated credit report, I found out that there are erroneous accounts that are still reporting in my credit report. I already sent a letter of request to TransUnion Credit Bureaus to investigate the assumed accounts, but I haven't received any response from them. Also, the Bureau was reporting a DELETED account from other bureaus on my credit file. Per FCRA, reporting must be 100 % accurate. Please conduct a thorough investigation for the following items : Collection : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$460.00} Charge Off : AXXXX XXXX XXXX Balance : {$5900.00}

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 2022-05-23 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: MD

Complaint narrative:
I HAVE NOT RECEIVED ANY HELP AFTER MULTIPLE REQUESTS FOR ASSISTANCE REMOVING THE FRAUDULENT ACCOUNTS FROM MY FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Yamaha Motor Finance Corporation USA
State: NC

Complaint narrative:
I paid off the Yamaha motorcycle on XX/XX/2022. I was told I would receive the title within 30-45 days. I never received the title. I have tried calling multiple supervisors and have been told in XXXX and in XXXX that they still have the account in an " open '' status and that they needed to mark it as " closed '' and will send me the title. When I try to call them back the supervisors don't answer my calls and they still have this in an " open '' status and have never mailed me my title.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I have asked this debt collector to provide real signed documentation that i dentifies me as per a promissory note signed agreement, original application, evidence that I opened this fake account, terms and conditions in truth in lending discosures. signed sales receipts?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CLGF Holdco 1, LLC
State: KS

Complaint narrative:
XXXX XXXX XXXX XXXX claims that I owe them {$700.00} plus dollars. this is fraudlunet as I paid the origional creditor the amount the balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: AL

Complaint narrative:
XXXX XXXX XXXX  XXXX sold my mortgage to XXXX XXXX XXXX XXXX  XXXX XXXX XXXX for the XXXX : XXXX XXXX XXXX XXXX XXXX XXXX This long-named company (? ) sent a letter dated XX/XX/22 to inform me of the change and to pay directly to my new servicer, which was identified as Selene Finance LP. I have tried repeatedly to get in touch with this company. I can't set anything online to make my mortgage payment, which was about {$610.00} when it was with XXXX XXXX. It is an escrow account. The letter states that the transfer does not affect any term or condition of my mortgage. The letter from XXXX has me identified as Account Number : XXXX and has my correct address : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, AL XXXX. However, the account number is " invalid '' when I use it to establish an online account, and the phone payment automation does not recognize it nor the zip code, nor the four digits of my Social Security number. When I try to wait for a customer service representative, the line disconnects every single time. 
I have researched Selene Finance LP online and the complaints about this company are endless. It has an F rating from the XXXX  in Texas. Almost every complaint is similar to mine : can't contact customer service ; payments not recorded ; non-disclosed charges ; non payment on escrow accounts ; can't obtain mortgage papers ; and on and on. How can a company do this repeatedly to consumers with no redress? 
I. Am. Frightened. because in the end most of the complainants say they lost their homes in foreclosure, and even though some recouped thousands in undisclosed fees, their home was still lost. 
My dad gifted my home to me, and I know no one cares about that, but I am trying to be proactive in preventing this from happening. 
But already, Selene Finance is laying the groundwork, in my opinion, to eventually take my house away from me. They are apparently in the business to acquire assets by whatever means they can. 
Would you please investigate why this company is withholding this vital information from me? 
Meanwhile I will mail my payment to the address given in the letter and take a photo of it should you need to see it. 
The address on the letter is : Selene Finance LP, Attention Customer Service Department, XXXX XXXX XXXX, XXXX, TX XXXX. The website address is www.selenefinance.com The address in the letter, word for word, for XXXX  is : " XXXX  XXXX XXXX XXXX XXXX XXXX XXXX for the XXXX : XXXX XXXX XXXX XXXX XXXX XXXX not in its individual capacity but solely as owner trustee for XXXX  XXXX Acquisition Trust XXXX XXXX  XXXX XXXX XXXX XXXX mail XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, DE XXXX XXXX '' Thank you for your help with this matter. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: NC

Complaint narrative:
XXXX Account # XXXX, also known as XXXX AND XXXX, has violated my rights following the Fair Credit Reporting act. 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 : A consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX Report date : XX/XX/2022 Amounts = XXXX XXXX XXXX XXXX XXXX Report date : XX/XX/2022 Amounts = 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 2022-05-23 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:
XXXX  Account # XXXX, also known as XXXX AND XXXX, has violated my rights following the Fair Credit Reporting act. 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 : A consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX Report date : XX/XX/2022 Amounts = XXXX XXXX XXXX XXXX XXXX Report date : XX/XX/2022 Amounts = 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 2022-05-23 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: KS

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX  XXXX XXXX, account number : # XXXX, has violated my rights. 
Account Number : # XXXX Account Name : XXXX XXXX XXXX  15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an 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 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 2022-05-23 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: Remex, Inc.
State: NJ

Complaint narrative:
Date : XX/XX/2022 Amount : XXXX $ I am doing complaint against my XXXX XXXX Delinquency REMEX INC has someone else information not belongs to me like address and date of Birth just spoke to customer service on phone ( XXXX ) XXXX,, Dispute ref # XXXX Remex Inc XXXX XXXX XXXX, XXXX, NJ XXXX So, please resolve my issue Regards, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, NJ XXXX Cell # XXXX email : XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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 XXXXXXXX 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 2022-05-23 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent a letter to the Credit Bureau on XX/XX/2022 and XX/XX/2022 and have not received any response via mail or any other communication regarding the accounts that I have requested verification and validation of the debit. According to the FCRA credit bureaus are required to validate each debt they report with in 30days and reflect on a consumer 's report to ensure the validity of that debt with an original signed contract for validity of the debt. No action has been taken because I have repeatedly sent letters and have not received any response in a timely manner nor do I have an original signed contract stating regarding this matter.

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 2022-05-23 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: MD

Complaint narrative:
I HAVE NOT RECEIVED ANY HELP AFTER MULTIPLE REQUESTS FOR ASSISTANCE REMOVING THE FRAUDULENT ACCOUNTS FROM MY FILE.

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 2022-05-23 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: MD

Complaint narrative:
I HAVE NOT RECEIVED ANY HELP AFTER MULTIPLE REQUESTS FOR ASSISTANCE REMOVING THE FRAUDULENT ACCOUNTS FROM MY FILE.

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 2022-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I took my son, XXXX XXXX to the ER at XXXX XXXX for appendicitis. I received a bill for account number XXXX for {$2700.00} which I paid in full with check number XXXX written XX/XX/XXXX. On XX/XX/XXXX I received a new bill for {$100.00} - this time charges for XXXX XXXX account number XXXX from XX/XX/XXXX ( 5 YEARS PRIOR ) were added to the bill. The new bill showed a balance of {$100.00} due. A balance of XXXX for XXXX and a balance of XXXX for XXXX. When I called XXXX I was told the allocated some of the payment I made for XXXX to these charges for XXXX, leaving a balance. I told them I had no idea what the XXXX charge was, that I have lived at the same address for 17 years and have never received an outstanding bill and that if I could pay {$2700.00}, I surely would have paid {$100.00}, but this seemed like fraudulent billing and I wanted all of my payment credited to XXXX 's bill. I continued to receive bills on XX/XX/XXXX, and XX/XX/XXXX. In XX/XX/XXXX I received a collection call from XXXX XXXX. I never received anything in writing from them re : a collection of a debt. When I spoke to the debt collector they agreed that the charges didn't make sense and recommended I dispute the charge, which I did on XX/XX/XXXX. I have received no further calls or communication ( Ie : response or resolution ) regarding this matter until yesterday when I received a new collection letter from Medical Revenue Service. It seems that instead of responding, my debt was sold. I will dispute this again.

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 2022-05-23 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I did sent correspondence to XXXX and transunion regarding the false reporting of this account ending in XXXX by XXXX I sent a letter to the credit reporting agency that the creditor sent to me where it clearly shows the a major error of inaccuracies.

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 2022-05-23 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: MA

Complaint narrative:
Hello, I have found an error with the XXXX XXXX  XXXX  account and it is my understanding that you will do an investigation and send me the results. I'm really concerned about this because this is really hurting my credit! I would like a new credit report that reflects the changes as well, please. I have some up coming events this year that will rly on my credit report being accurate so please assist me with this. The item I am challenging is : XXXX  XXXX Account # XXXX I've never been late. I paid on time XXXX and XXXX of XXXX. Delete this account. Please expedite. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: Self Financial Inc.
State: AL

Complaint narrative:
I am a victim of identity theft. My father used my identity to open an account with this bank in others. I discovered this account recently and have been trying to contact them to have this removed from my account. I have hired a lawyer and pressed charges. I am including my police report below and my FTC affidavit. Please remove these two accounts ( XXXX & XXXX ) as soon as possible because it is affecting my credit and it isn't mine. It is almost impossible to get ahold of someone at XXXX XXXX Proof of id is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit and Receivables Services Inc.
State: WV

Complaint narrative:
I have sent two dispute letters and no response in regards to debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My name is XXXX and I believe I have been part of a scam from an old acquaintance of mine named XXXX XXXX from XXXX. 
The situation is that I was foolish enough to trust this person to invest in bitcoin for me. XXXX put me in contact with her coach XXXX XXXX ( not sure if the name is accurate ). 
I have used XXXX and XXXX as my transactions and the accounts and numbers are as listed below : XXXX XXXX ( {$6000.00} ) XXXX XXXX ( {$2000.00} ) XXXX XXXX ( {$1000.00} ) XXXX XXXX ( {$1000.00} ) XXXX XXXX XXXX ( {$2000.00} ) Please look below for receipts with discussions and payments. My XXXX has been hacked and I no longer have access to any of this. Please report this fraud so we can make sure no one else can be victim of this fraud.

Company response to consumer: Closed with explanation