vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-26 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX  Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX 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 account without my written instructions 15 U.S.C 1668B : 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 2022-08-26 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: MO

Complaint narrative:
In accordance with the fair credit reporting act has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights of privacy.

15 U.S.C 1681 section 604 A.Section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions. 

Accounts/Accounts # 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  OAG child support Enforcement # XXXX / # XXXX / # XXXX Missouri Div Child # XXXX / # XXXX XXXX # XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: MO

Complaint narrative:
In accordance with the fair credit reporting act has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights of privacy.

15 U.S.C 1681 section 604 A.Section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions. 

Accounts/Accounts # 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 OAG child support Enforcement # XXXX / # XXXX / # XXXX Missouri Div Child # 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 explanation
Consumer complaint received 2022-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Account was registered with delinquent with credit bureau. In XXXX of 2022 I went into a six-month forbearance with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX is the lender. At the end of the forbearance I was told that the total six month amount was due and is considered past due. I argued that this is not what I agreed to. I was immediately put on a flex plan and told I could pay my regular mortgage amount. However XXXXXXXX XXXX reported this to the credit bureau as delinquent. 


COVID-19 : Is HUD suspending credit reporting for FHA-Insured mortgages on a COVID-19 Forbearance? 
Any Borrower who is granted a COVID-19 Forbearance and is otherwise performing as agreed is not considered to be delinquent for purposes of credit reporting. 

FHA requires Mortgagees to comply with the credit reporting requirements of the Fair Credit Reporting Act ( FCRA ) ; however, FHA encourages Mortgagees to consider the impacts of the COVID-19 pandemic on Borrowers financial situations and any flexibilities a Mortgagee may have under the FCRA when taking any negative credit reporting actions.

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 2022-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: CA

Complaint narrative:
New account just showed up on my credit report from : Account Number : XXXX LOCKHART MORRIS & MONTGO Other Collection Agencies XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX I do not owe this debt, I have never opened up an account with them, they stated it was a medical debt from over XXXX years ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( a ). XXXX XXXX account number : XXXX. I demand you remove these entries immediately. According to the Fair Credit Reporting Act you are illegally reporting this account. Once the debt is charged off it becomes income to the consumer which is illegal to be reported. 
I will be filing a complaint with the Consumer Financial Protections Bureau., ( 1. ) ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. 

( 2. ) Topic No. 431 Canceled Debt Is It Taxable or Not? 
After a debt is canceled, the creditor may send you a Form 1099-C, Cancellation of Debt showing the amount of cancellation of debt and the date of cancellation, among other things. If you received a Form 1099-C showing incorrect information, contact the creditor to make corrections. For example, if the creditor is continuing to try to collect the debt after sending you a Form 1099-C, the creditor may not have canceled the debt and, as a result, you may not have income from a canceled debt. You should verify with the creditor your specific situation. Your responsibility to report the taxable amount of canceled debt as income on your tax return for the year when the cancellation occurs doesn't change whether or not you receive a correct Form 1099-C. 

The IRS considers this income and should not be reported

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 2022-08-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 explanation
Consumer complaint received 2022-08-26 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: IN

Complaint narrative:
In accordance with the Fair credit reporting act XXXX Account # XXXX, XXXXXXXX XXXX Opened on XX/XX/2022, has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It 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 2022-08-26 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: GA

Complaint narrative:
This Complaint is lodged against Experian. The only thing that I can even remotely call this violation is " IDENTITY THEFT '' by Experian itself. After I opted out of their Marketing a very long time ago, I received no more junk mail, but today, I received a preapproved credit card and when I spoke to the corporate office of that card company, they provided me with enough information to determine, Experian is distributing my information under the many variations of my name ; even though they have been told those names are not mine and that they refuse to remove from my credit report. The Credit Card displayed XXXX XXXX XXXX which is not my name and neither is any other of the dozen names they display on my credit report. My name is XXXX XXXX XXXX. 

I did not authorize the release of my information and I certainly did not consent to Experian Changing or Altering My name for their marketing purposes, but now I have both physical proof and verification of who gave such information about me to the credit card company within the past three weeks.

I tried one last time to call and speak to a manager or the corporate office but I was given a huge run around once again. 

Experian asked for 60 days to fix their last blunder which is still pending - but this is now related to stealing and altering my Identity for the purpose of unauthorized financial marketing.

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 2022-08-26 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:
Equifax have significantly decreased my points on my credit file on XX/XX/2022. Their has been no charge to my report what so ever and no new collections nothing. But some how my report was dropped over 27points ( see attachments for a complete view of how its been affected ) I checked the updates and it showed nothing. On XX/XX/2022 I check again and nothing was changed but yet my score went up XXXX points. With no change. At this point I feel as if my credit score is not accurate and has Been inaccurately given out to companies that Ive applied for. It is damaging my reputation and causing me significant loss. I am suffering for no reason. 

I have also made complaints prior to this one stating certain accounts are inaccurate on my credit file as well, and have yet to see relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Dovenmuehle Mortgage, Inc.
State: CO

Complaint narrative:
Please research XXXX. This is the agent that XXXX uses that was giving me false information while my home was going into foreclosure. They continued to give me misleading information about my forbearance situation and told me everything was going to be just fine while going through loss/mitigation. All of my phone calls are recorded at XXXX. It seems as if they intentionally were stalling by giving me false information while not communicating with XXXX. I believe there are probably more victims of this situation. If you can contact me, I am at XXXX or XXXX. Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/2022, 21 transactions ( {$100.00} for each transactions ) from XXXX were processed on my Truist credit card that I didn't authorize. I was notified via a text alert, asking if I authorized the transaction. I responded 'NO '. The transactions went through anyways. 

After spending 3 months in their investigation, they finally informed me that those are valid transactions and I'm responsible for those charges about 2 days ago. I did not make those transactions and I also filed a police report for the incident. 

The amount has been deducted from my bank account through auto-pay and Truist refused to credit those charges back to my account.

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 2022-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Green & Sons Agency, Inc.
State: UT

Complaint narrative:
On XX/XX/2022 a 10 day summons from a debt collection company called Outsource Receivables was left at my address for a debt in the amount of {$250.00} owed to XXXX XXXX XXXX of XXXX XXXX  for services received at XXXX XXXX XXXX XXXX XXXX. On XX/XX/2022 The full amount of the debt was paid online through the hospital 's insurance company ( XXXX ) website. On XX/XX/2022 I notified Outsource Receivables office that the debt was paid and faxed a receipt of the payment to XXXX XXXX Billing Department per their instructions. Also, a few days later I disputed the debt collection account on my XXXX credit report and uploaded a copy of the receipt in the process to XXXX 's website. Now, the account on my credit report has an updated amount of {$760.00} and says the account is still unpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: TX

Complaint narrative:
I send mails to Equifax on XX/XX/XXXX up on some unauthorizes inquiries and no action have be taken i would love for the following inquiries to delete. 
Please delete these inquiries. 
XXXX XXXX ( XX/XX/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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
False Advertising. 0 % Bait and Switch offer. 

I applied for the XXXX XXXX XXXX card from this promotional offer on the Amex site : 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 It quotes : Intro APR & Plan It Fees 0 % intro APR on purchases and balance transfers for 15 months from the date of account opening, then a variable APR, 16.24 % to 27.24 %. 

I clicked on the Apply Now button on that page, and completed the application. After completing the application I was approved immediately for XXXX in credit. I clicked on the terms after my approval and they no longer included a 0 % APR. Never was I informed during the application process that the offer had changed or that I would not be approved for 0 % intro offer. 

So I called XXXX customer service to verify that I do have the 0 % intro offer. I was told it was not 0 %. After talking with 6 different representatives over 1.5 hours who passed me around, I'm told that that offer doesn't exist. Even though I am looking at it on my screen at the link I enclosed above. 

They told me to call XXXX to see how cancelling this card would effect my credit. XXXX told me it would affect me to keep the card or cancel. 

I do not want this card, but my credit has now been affected by both the inquiry, and also when I cancel. I do not want to be affected by this bait and switch promotion and would like my credit reporting cleared as if I had never applied or cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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:
This is NOT a duplicate report and is not filed by a 3rd party. 

In accordance with the Fair Credit Reporting act XXXX these accounts below 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. 1. Account Name : XXXXXXXX XXXX XXXX Account # XXXX XXXX. Account Name : XXXXXXXX XXXX XXXX Account # XXXX XXXX. Account Name : XXXX Account XXXX XXXX XXXX. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXXXXXX XXXX  Account # XXXX XXXX. Account Name : XXXX XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXXXXXX 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 2022-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc.
State: NC

Complaint narrative:
Calling everyday concerning the debt. Dates XXXX. The amount owe is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: Kikoff Inc.
State: IL

Complaint narrative:
Accounts started showing up on my credit report. Ive contacted the company about the issue but no resolution. I never authorized these accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
They are applying 6 business day hold to deposits. These holds are causing overdraft charges

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: MA

Complaint narrative:
My XXXXXXXX XXXX XXXX XXXX are showing canceled from XX/XX/2009 to XX/XX/2009. However, I do not see where the cancelation of these loans decreased my balance. I called Customer Service at XXXX and they said they canceled the loans so no longer their problem. So I called XXXX and they said because I consolidated the loans getting a cancelation afterwards I will still owe the full amount. I am not sure how that makes sense that the Dept. of Education got credit from XXXX but I am not allowed to get the credit past to me and still owe for the loans that are now showing as canceled. I need some help with clarifying this situation. I have my past credit report that shows the full amount of those XXXX loans before they were canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: IN

Complaint narrative:
I did a credit check on XX/XX//22. There is an credit account that I did not open. It is with XXXXXXXX XXXX XXXX XXXX. I contacted experian and they reported to make a report with you guys.

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