vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX : In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX5 USC 1681. 

AXXXX 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 =============================================== 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 of the person knows or has reasonable cause to believe that the information is inaccurate. 


Account 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-25 00:00:00
Product: Credit reporting 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
I tried to pay over the phone and via the website and it won't let me. They said they would only take XXXX XXXX payments. I want to pay and I can't and get charged additional fees they refuse to waive. This seems like a scheme to get people not to pay so they can then charge more late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This Account was paid, closed, removed, in XXXX. The last 8 months or so pro collect has been reporting this account as new and every month has sent it to the bureaus. My credit scored has been demolished because of this and because its an apartment its showing on any housing that I apply for. I received a letter saying that a company has illegally obtained my information and has my information. I have called multiple time. Filed a dispute for this same account 3 times and instead of fixing this issue they keep saying that this is valid. I have spoke with them and the feedback I am receiving is more concerned with me paying another {$3000.00} instead of fixing there mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
These accounts are listed as charge-offs. IRS requires XXXX XXXX XXXX XXXX to send me a 1099C because these charge-offs are considered earned income, and I will have to file a 1099C on my tax return. Therefore, the accounts status has been changed to earned income. My consumer report should not contain information regarding my income. Also, late payments are considered as transaction, according to the consumer law, transactions are not supposed to be reported on my consumer report. Since these accounts have been reported as charged-offs, XXXX XXXX XXXX XXXX never sent me a 1099C and it has been years. These accounts have been reported incorrectly and inaccurately. It violates the consumer law below. 
15 U.S. Code 1681e - Compliance procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion will not provide my credit report or score without requesting payment for membership.

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 2023-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
My wife XXXX XXXX had her email and accounts hacked. She alerted credit agencies as well as XXXX XXXX XXXX Bank to flag and stop any fraudulent charges. 
Over an approx 6 day period XXXX XXXX fraudulent transactions totaling approx {$1800.00} were taken from our checking account. We notified both XXXX and XXXX XXXX. Both did an incomplete investigation. 
Several of the transactions note XXXX to XXXX, however she did not do this. XXXX XXXX used this as a basis to deny. XXXX then called cash App, without doing an investigation, said they denied our claim, XXXX XXXX denied our claim. 
We requested from XXXX XXXX the following several times but have not received anything. In fact when we call XXXX XXXX and my wife speaks to a claim rep, they ask if we travelled to a different state or location. Indicative of them seeing inconsistencies in our locations vs the transactions. 
Here is what we requested : All items used to deny our claim ; including, but not limited to : IP addresses of both sides of transactions ; locations including addresses of transactions ; signatures ; locations of atms and accounts associated with transactions ; How Cash App verified the accounts using our phone number and email identified by our IP address ; The identity verification process as a whole ; Cash App advertised that they collect credit bureau XXXX, had they done so they would have seen a fraud alert, what verification did they use re their advertised credit bureau XXXX ; Any other item deemed applicable. 
If XXXX XXXX truly contacts credit bureau XXXX they would have seen fraud and hacking. Their verification through email should have stopped the transactions. 
What extent did they do to verify XXXX address of our devices?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The three credit bureaus equifax XXXX and XXXX  are all in violation of federal law and need to be fine for reporting fraudulent accounts on my name that have been opened without my consent I have sent them all police report and Id theft reports they continue to violate federal laws with out penalties

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
The three credit bureaus XXXX XXXX and experian are all in violation of federal law and need to be fine for reporting fraudulent accounts on my name that have been opened without my consent I have sent them all police report and Id theft reports they continue to violate federal laws with out penalties

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 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
there are currently fraudulent inquires on mt credit report that I need removed please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
there are currently fraudulent inquires on mt credit report that I need removed please.

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 2023-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XX/XX/2023 I reported my card stolen. I told the agent that my card was compromised because my phone was also stolen and it had my pin number. After receiving several emails every two days up until XX/XX/XXXX, stating that they were still investigating the claim all of the sudden I was told over the phone when I called on XX/XX/XXXX, to inquire about the status, that on XX/XX/XXXX they determined that there was no fraud on my account. I never received a letter, email or a call in regards to their decision. There was {$1800.00} worth of unauthorized charges on my business account. I did not make any of these purchases and I would like to know how they determined that the charges are not fraudulent.

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 2023-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I have opened a mortgage account with CITI bank USA, and I was asked to open up also a CITI checking account, and transfer XXXX to the account to get 0.1 % rate reduction in my mortgage. However, after opening my account, the account started to produce an error, called " MFA ''. I reached the CITI bank customer services multiple times and spent many hours waiting to resolve this error. However, at the end I lost my access to transfer money to CITI account, and my XXXX is also get blocked in the account. When I called them again, they said there is no fraud or alert in your account and you just should wait! and it is what I keep hearing for the last 10 business days with no resolution. 

Amounts which is blocked is XXXX The last time that I talked with customer service is : XX/XX/XXXX  The solution by the customer service : Wait longer The issue : the website keeps producing MFA error and block any money transfer.

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 2023-09-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: GA

Complaint narrative:
this is my case # for a previous claim that the cfpb didnt handled the right way and now im forced to take legal action against the cfpb and vance & huffman for violating my fcra 15 usc 1681 and identity theft because they still havent show my how they verified the account. my information was bought by this debt collector which has no right and without my written consent to collect a debt and have my information and threating me.

7

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sunbit, Inc.
State: FL

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have tried to get both my credit report and credit score from TransUnion credit reporting. I applied for my free credit report back in XXXX and was unable to get it. I thought there was a problem on their end with their system being down. I was able to receive my reports with the other agencies with no problems. On XXXXXXXX XXXX XXXX I tried to access my FICO scores with XXXX and could not get my scores due to a problem with TransUnion. I went online to try to get this problem fixed and got error messages only. 

I phone the customer support numbers numerous times and was only able to be told my file is " surpressed ''. I can not get anyone on the customer support lines to even tell me what that means. I tried to " unfreeze '' thinking perhaps that was the problem. I can not get Transunion to allow me to see my credit report online or get my score. On the phone I first encounter an automated response. When I finally get a live agent I have to tell them all my information including name, Social Security Number, Date of Birth, address, etc. They look my file up and pass me off to a " supervisor ''. I go through the same thing with the supervisor. Finally after the third supervisor that is unable to help me they tell me that the department that can help me is already closed. I have left my information for someone from that department to call me. I have spoken with at least XXXX people at TransUnion and no one is able to fix this problem. 
My file # is 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 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
NATIONAL CREDIT SYSTEM Original creditor : XXXX  XXXX XXXX Balance details XXXX XXXX  paid off Balance {$8600.00} Balance updated XX/XX/2023 Original balance {$8600.00} Account info Account number XXXX Date opened XX/XX/2023 Account type Collection Status Collection account. {$8600.00} past due as of XX/XX/2023. 
Status updated XX/XX/2023 Payment summary

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/2023 at XXXX I received an email from XXXX XXXX alerting me to a new hard pull on my account. The hard inquiry came from JPMCB Card Services ( Bank ). I did not authorize JP Morgan to obtain my credit information in any form, nor have I applied for any type of new credit or credit cards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I Had A Used Car loan from a Predatory lender outside of XXXX XXXX California in 2001 and Refinanced it with Navy Federal. Right After i Bought the Car I was XXXX Back To Back To Back and The Patriot Act wasnt Created Yet. So Being XXXX I Naturally fell behind in Payments and My Car Was Repossessed. I Explained the Situation to Navy Federal and They Completely Shut me Down. I am XXXX XXXX XXXX XXXX XXXX with a Family. Who Served HONORABLY And Because of my IMMEDIATE Unexpected XXXX XXXX XXXX  fell Behind.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Avant Holding Company, Inc.
State: FL

Complaint narrative:
I called to get a pay off an allege loan with Avant the lady on the phone to me on the phone that in order to get a lowered payment payoff I had to been in delinquency for 90 days!!! Ive had this loan for over years and the payment is so expensive because all of the expensive fee theyre charging me. I get emails about the debt. Which is causing major stress in my life. They also tried to charge my card! Without my permission! The charge was about holding the pay off amount! The lady never told me that I would be charged!!

Company response to consumer: Closed with explanation