vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-24 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: OK

Complaint narrative:
bankruptcy case 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 consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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:
I reviewed my consumer reports and noticed that I had a late payment on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account : XXXX  XXXX : acct XXXX, XXXX XXXX  : acct XXXX, XXXX XXXX : acct XXXX Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER late. 

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 2023-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XXXX XXXX a bank account was opened on Bank of America the accounts were 2 checking accounts. No money was in the accounts. ON XXXX XXXX I approach to a Bank of America about the accounts and report it as a fraud, the same day i went to my local police station to make a police report XXXX in XXXX XXXX NJ XXXX. The concert from the accounts it was open with my old last name, I legally changed my last name at the Superior court of New Jersey on XX/XX/2019 and the account had my old information where I used to live 7 years ago. I'm in concert due I'm continue to be expose and damage my credit, thanks for your 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 2023-03-24 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: FL

Complaint narrative:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports.XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1500.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$770.00}, XXXX XXXX Date Reported : XX/XX/XXXX Balance Owed : {$2100.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1400.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$950.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$710.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$1500.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$3000.00}, XXXX XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$110.00}

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 explanation
Consumer complaint received 2023-03-24 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:
Hello, there is a child support account reporting in my credit reports from the State of XXXX but, I don't have any children. I think that this may be someone else 's account reporting in my report. I sent dispute letters to the credit bureaus ( XXXX, XXXX, and TransUnion ) but have not heard back yet. Please have the credit bureaus remove this incorrect account which is not mine from my credit report.

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 2023-03-24 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:
Hello, there is a child support account reporting in my credit reports from the State of XXXX but, I don't have any children. I think that this may be someone else 's account reporting in my report. I sent dispute letters to the credit bureaus ( XXXX, Equifax, and XXXX ) but have not heard back yet. Please have the credit bureaus remove this incorrect account which is not mine from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
On XX/XX/2023 a payment of {$50.00} and a payment of {$420.00} was made to Goldman Sachs for my Apple card. Then on the XXXX of XXXX a check was issued from my mortgage company for a debt consolidation loan of {$2500.00}. However, they were overpaid by {$340.00}. I have reached out to Goldman Sachs on several occasions to get a refund for the overpayment, and every time I call, I get some excuse, like the account is under review. I called again on XX/XX/XXXX and was told that the account is under review and it could take up to another 10 days for someone to contact me. This account has never been late and I can not seem to get the assistance that I need.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24 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:
This is formal notice of litigation efforts commenced against Equifax Information Services, LLC AND Equifax Credit Information Services , Inc. Equifax has allowed unauthorized access to my credit file. Equifax has unlawfully trafficked nonpublic personal information to XXXX XXXX XXXX , XXXX which such information was used to harass and embarrass me in front of the entire neighborhood. Equifax has allowed unauthorized inquiries by XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX. Equifax is participating in the defamation of my character by allowing unauthorized financial institutions to access and furnish defamatory and libelous information. According to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), consumer reports shall not contain information solely as to transactions or experiences between the consumer and the person making the report. Equifax is allowing false or unlawful reporting to monetarily gain at the expense of tarnishing my reputation and deprive me of housing, life and liberty. Equifax is unlawfully furnishing Collections that debt collectors have requested to be removed and has refused to update or provided an updated credit report in almost a year. Equifax is also unlawfully furnishing XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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:
I have recently reviewed my consumer report and discovered items listed that result in misuse of my report and violate the law. I did not give any written instructions for these accounts and alleged late payment transactions to be furnished on my report. One of the reporting companies agreed to remove the late payment information, but no action has been taken. 
XXXX XXXX XXXX XXXX - XXXX XXXX XXXX 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 2023-03-24 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 — Problem with personal statement of dispute
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
I received a copy of my credit report and I wrote this company XXXX Aargon Collection Agency ) XXXX different times ( XXXX & XX/XX/2023 ) asking them to validate & investigate the alleged item that they are reporting on my credit report. I have asked this company to 1. Provide documents bearing their signature to validate this alleged debt. 
2. Proof of their right to own/collect this alleged debt.

3. Contract bearing my personal signature.

4. Any documents bearing my personal signature showing that I have a legally binding contractual obligation to them the alleged debt. 
They are ignoring my request for validation of this alleged debt by sending a printout of a bill or itemized documents. I have made them aware that this does not constitute verification. Every letter to this company I have formally asked for a copy of the above items. I have gotten nothing but silence. 

This is causing damage to my character. 

.

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 2023-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: CO

Complaint narrative:
The chief lending officer asked me to set up a corporate A/C with a initial deposit of {$3500.00}. He and the Audit officer at the bank told me that once this was done a private investor would deposit funds of {>= $1,000,000} as a loan to my company for acquiring XXXX XXXX. I made a {$3500.00} deposit on XX/XX/XXXX XXXX 
I was told an Corporate A/C had been set up and I was given the login info, The info did show that there was a deposit of {>= $1,000,000}, But I could not initiate any transfers or transactions. 
A few days later when I tried to login I got a Suspended a/c message. I offered to meet the lending officer and the Audit officer at their office in XXXX NC at my expense. But they told me that meeting them would serve no purpose. 
The lending officer now wants me to deposit another {$1500.00}. Once this is done he says he will do some kind of offline transfer of the funds to my XXXX XXXX  A/C. He refused to explain why this was needed. He also refused to explain the nature of an offline transfer I want access to the funds. Everything was done on line 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 explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN

Complaint narrative:
Monthly statement shows I am a month behind when I am currently caught up and will be ahead on the XXXX again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights. Under 15usc1681 section 602 states I have the right to privacy. 15usc1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15usc1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I have disputed an incorrect account that is reporting on my credit report for over four years now it is showing two of the same thing and neither of them are mine I have tried multiple times to have it removed and have also asked for proof on how that account is mine and they can never tell me and XXXX is not helping resolve the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS

Complaint narrative:
1.Money was transferred from personal checking account via XXXX and was not authorized 2.Bank did not notify of the of the transfers 3.The day after the first fraud occurred on the account, the bank was contacted and notified of the fraud 4.Repeated request for XXXX cancelation to phone representatives at USAA 5 . Bank stated we had to prove we did not make the transfers 6. Bank is stating the transfers were from our phone at our home address. We do not understand this. We did not make the transfers and most occurred on XXXX which seems odd in itself. 
7. Below are the dates, names, amounts and how the transfers were made. 
8. We do not know any of these individuals by name, phone or email addresses. 

Case # XXXX Date Name Amount Email/phone XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$150.00} XX/XX/XXXX called USAA to report fraud -under review XXXX XXXX XXXX {$320.00} XX/XX/XXXX called USAA to report fraud XXXX XXXX XXXX {$10.00} XXXX XXXX XXXX XXXX {$20.00} XXXX XXXX XXXX XXXX  {$100.00} XXXX XX/XX/XXXX? -called USAA XXXX XXXX -called USAA Temperance XXXXr -called USAA XXXX XXXX XXXXXXXX XXXX  {$100.00} XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX {$100.00} XXXX @ XXXX XXXX XXXX XXXXXXXX XXXX {$100.00} XXXX XXXX XXXXXXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$250.00} XXXX @ XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX {$300.00} XXXX XX/XX/XXXX XXXX {$2800.00} XX/XX/XXXX XXXX @ XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - she said call was from phone at home address

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
Paid this debt in XXXX. Several disputed through XXXX and still not resolved. FALSE reporting to the credit Bureaus. As of TODAY It says it is still OWED AFTER is was paid in XXXX Several attempts called to Nissan and was told there was NO telephone number to talk to anyone in " that department ''. This can hurt my XXXX XXXX in the XXXX XXXX and this needs fixed. Please REMOVE this from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: CADENCE BANK
State: MS

Complaint narrative:
CADENCE BANK MORTGAGE XXXX XXXX XXXX XXXXXXXX, XXXX XXXX USPS CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX RE : DELETION OF LATE PAYMENT FROM CREDIT REPORT NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my ( XXXX XXXX XXXX XXXX XXXX ) consumer report, and I noticed some late payments posted on my consumer report : CADENCE BANK MORTGAGE XXXX XXXX  Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; AS WELL AS 15 U.S. Code 6801 THE LAW CLEARLY STATES : Transactions between the consumer ( me ) and the person ( CADENCE BANK MORTGAGE ) Making the report is not INCLUEDED on my Consumer report! 
A Late payment is a transactional history, My HISTORY with your company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 
You have 10 calendar days to update my Payment history and or delete all late payments from the below account/s CADENCE BANK MORTGAGE XX/XX/XXXX  Failure to respond satisfactorily with deletion of the above Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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.

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2023 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

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 2023-03-24 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.

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2023 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: GA

Complaint narrative:
I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information

Company response to consumer: Closed with explanation