vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-14 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: NY

Complaint narrative:
According to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX is not licensed to perform any debt collection of any kind in the State of New York ( see attachment ). At this point XXXX XXXX XXXX XXXX is in violation of 15 U.S.C. 1692e - False or misleading representations. Also XXXX XXXX XXXX XXXX and TRANSUNION is currently in violation of 15 U.S.C. 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) ( C ) which states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

And 15 U.S.C. 6803 ( a ) ( 1 ) ( 2 ) ( 3 ) which states : ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and ( 3 ) protecting the nonpublic personal information of consumers.

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 2023-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
A recurring transfer was set up for Fifth-Third Bank to draw funds from a XXXX XXXX Account on a monthly basis. The transfer was cancelled and the Fifth-Third Account closed, yet the Fifth-Third Account continues to draw funds from the XXXX XXXX Account. THREE HOURS on the phone with BOTH banks has not resolved the problem. 

No one at FIFTH THIRD BANK seems to be able to resolve this issue since the " Account is closed. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-14 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: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
I need my accounts that are outdated removed from report. They are all on the closed account list.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ACCESS GROUP INC.
State: AZ

Complaint narrative:
XXXX is the Servicer for my private loans I got in XXXX  school. 

The interest rate, while variable, is currently about 9 %. 

The interest rate at the beginning of the loan process was about 5 %. 

I called XXXX and asked about this, they said that I had to call Access Group.

I emailed Access Group on XX/XX/23 indicating that I'd like to lodge a complaint with them. 

To date, I've received no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Resolution for Late Payments : This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

I demand the late payments to be removed off of these accounts from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney.

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 2023-08-14 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:
I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 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:
I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

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 2023-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IL

Complaint narrative:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Keynote Consulting, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX assigned a Medical/Healthcare account to KEYNOTE CONSULTING INC in the amount of {$1100.00} on or around XX/XX/2023. This is not my account, and I'm the victim of 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 2023-08-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have sent in several times my Social Security card and license to verify that the Social Security number that they have is incorrect. They have lost it several times. I also went online and uploaded these documents to equifax. Equifax is not trying to correct this information. I don't know how they even attached this to my credit. This incorrect information has caused me not to be able to get a loan and move forward with my life. I have tried several times talking on the phone and sending in the correct information and nothing has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XX/XX/1994 To Whom this may Concern These Negative items do not meet the FCA reporting requirements. I dont not recognize how and why it is reporting DELETE IMMEDIATELY!!!!

15 U.S Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later then 4 business days after the date of receipts. It has been30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY!!!

These accounts should not be furnished on my consumer report as they are in VOLATION!!

Under 15 U.S Code 1681b- permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report witch violets my rights as a federal protected consumer. NO CONSENT IS IDENITTY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 


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 2023-08-14 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XX/XX/1994 To Whom this may Concern These Negative items do not meet the FCA reporting requirements. I dont not recognize how and why it is reporting DELETE IMMEDIATELY!!!!

15 U.S Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later then 4 business days after the date of receipts. It has been30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY!!!

These accounts should not be furnished on my consumer report as they are in VOLATION!!

Under 15 U.S Code 1681b- permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report witch violets my rights as a federal protected consumer. NO CONSENT IS IDENITTY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 


XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I sent via Zelle {$750.00} to fraud cat breeder website. 
This is their website https : XXXX They charged me and promise they will send me the cat I paid for. I lost communication with them. I asked for my full refund and never heard back from this person

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Why are you continuing to report this account when I notified you that the company has agreed to remove it from my credit report? You failed to conduct an investigation, even when I sent proof that my identity was stolen as well as the debt delete letter from the company. XXXX has since removed this account, yet you are still reporting it when all data furnished should be consistent. If this is not removed from my credit report within 7 days, I will be seeking monetary compensation and taking this to small claims court due to negligence and violation of the FCRA.

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 2023-08-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
VA home loan first with XXXX then NationstsNationstar, Mr Cooper and current Rightpath Servicing. I accepted pandemic forbearance XX/XX/XXXX informed XXXX  I wanted to end program since XX/XX/2023 At that time I was in arrears about {$48000.00} however Rightpath has dragged speedy resolution by requests for duplicate docs that current I'm {$74000.00} mortgage arrears. I entered forbearance because of financial hardship having got sick with XXXX. Also because Rightpath reps over phone said my past due payments would be tacked to current contract but that was a lie I have tried to no avail for months until last week they're now working modification of my VA mortgage. My current rate when went in forbearance is 3.5 % so I thought I would keep it Right now I dunno what is happening and truly feel victimized. I'm a XXXX retired veteran XXXX  years of age ... a revolution is to allow me to keep interest as is on mortgage XXXX contract I'd love of Rightpath would waive the excess arrears they created by delaying process of ending forebearance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
On XX/XX/2023, I sent out disputes challenging inaccurate information that is illegally reported on my consumer report. Per section 611 ( a ) of the FCRA, CRA 's are supposed to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. Since then, no response has been received. To date, no one has updated my account to reflect the changes and ensure that the reporting is 100 % accurate. The following account is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ). I demand that the payment history on this account be updated as XXXX. XXXX Account Number : XXXX is inaccurately reporting an alleged late payment history and has not provided a copy of my entire payment history as requested. This error has damaged my credit score and my rights as a consumer have been violated. A copy of my photo ID and address verification was included with each mailing so there is no reason my request should have been ignored. This needs to be resolved. According to 15 U.S. Code 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I worked with XXXX XXXX as well as resided at the property as a leasing agent they have since then sold the property. As a result of my evition I was also XXXX. Now on my credit report I have an eviction and being fired from this job.So when my background check is done this disqualified me for employment in the leasing industry But XXXX has long since sold the property but my credit has permanently been damaged by this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I placed 2 wire transfers, one for {$50000.00} and the other one for {$11000.00} afer I receive a few e-mails from my supplier of 3 years saying their bank account was being audited and that I needed to send the money for the order to a different bank account in XXXX. A couple of days later I found out that I had been a victim of a cyberattack and that my e-mail had been compromised, so the information I received from my supplier was actually from scammers posing as my suppliers. I immediately went to the bank in person and did a wire recall on both wires, I hired a cybersecurity company that was able to find out I had been a victim of a scam from XXXX. I filed an FBI complaint, I filed a police report and sent all information to the bank. 

I continued calling every week a '' er and went in person to the bank but got no response. On XX/XX/XXXX ; JPMorgan chase got back to me with this message : Here is the status of your request : - Your request was submitted on XX/XX/2023. - XXXX - We have attempted to contact Credit party on several occasions, but have not received a response. At this time, we can not take any further action on this inquiry and suggest that you contact them directly in order to resolve the matter. XXXX Please be advised that we have tried to contact CreditParty on several occasions requesting Return Of Funds. As of today we have not received any response. We kindly recommend that you contact them directly if matter remains outstanding. In the event they subsequently contact us, we will advise you accordingly. 

On XX/XX/2023 I filed a complaint with the Office of the Currency Comptroller under Case # XXXX and the bank responded on XX/XX/XXXX stating that their position was the same, they could not do anything to recover my money. I filed an appeal with the OCC on XX/XX/XXXX but I have not received a response yet. 

I would like to understand if there is any other action I can take as this has put an enormous financial hurdle in my company and I am not sure what else to do to recover this money. 

Thank you. 
XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2023 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 90 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 90 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2023-08-14 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: FL

Complaint narrative:
In accordance with the fair credit reporting XXXXXXXX XXXX account number XXXX has violated my rights 15 U.S.C 1681 section 602A states I have the right to privacy.

15 U.S.C 1681, section 60 for a section 2 : it also states, a consumer reporting agency can not furnish an account without my written instructions.

4 U.S.C 1666B : a creditor may not treat a payment on a credit account under an open and consumer credit plan as for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the fair credit reporting XXXXXXXX XXXX account number XXXX has violated my rights 15 U.S.C 1681 section 602A states I have the right to privacy.

15 U.S.C 1681, section 60 for a section 2 : it also states, a consumer reporting agency can not furnish an account without my written instructions. 


4 U.S.C 1666B : a creditor may not treat a payment on a credit account under an open and consumer credit plan as 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