vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
today i spoke with a agent named " XXXX '' but i do not believe that is his name since he refused to give me a last name. i asked him about two accounts that XXXX XXXX XXXX furnished on my report. he stated they were mine, i conditionally accepted to pay the debt if he can show me a wet ink signed contract between me and XXXX XXXX XXXX  of course he could not provide with me such contracts since i don't owe Them any debt nor ever heard of them prior to me monitoring my Report, so i demanded the removal of the debts off of my report since it has been making it difficult for me, as a consumer to receive any lines of credit in the past. i previously disputed the accounts multiple times with EXPERIAN ( Report XXXX XXXX ) and it kept coming back verified even when i asked them to conduct a proper investigation which was never conducted nor provided to me as requested. i also have a suspicion that XXXX XXXX XXXX obtained addresses from my report without my permission and updated it on their file to match my report. He also informed me of their attempt to " contact '' me at my father 's address in which i have not resided in since XXXX and he also told me they tried to " contact '' me at a phone number i had in XXXX which i do not know how they obtained it since that was new number i got in missouri while i was in college. 

I also had an issue with XXXX XXXX XXXX furnishing a collection account which were deleted off my EXPERIAN ( Report Number : XXXX ) And XXXX XXXX Confirmation number : XXXX ) Reports which also impeded me from obtaining any lines of credit and violated my consumer RIGHT to privacy since i never Gave any PERMISSION to furnish such accounts. 

There was also another company that furnished a collection account on my report without my permission and i have never heard of them before. XXXX XXXX XXXX reported a collection on my EXPERIAN ( Report Number XXXX ) Report which also impeded me from obtaining any lines of credit and violated my consumer RIGHT to privacy as well.

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 2022-09-07 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: GA

Complaint narrative:
This company reinserted an account without sending me a notice within XXXX days causing my credit score to drop not being able to qualify for a home loan. Per law they had XXXX  days to send notice of reinsertion, and they chose NOT to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mid-America Accounts Control Bureau, Inc.
State: TX

Complaint narrative:
Date Assigned XX/XX/2022 Account Number open Mid-Amer Accounts Co Original Amount Owed {$940.00} that I owe. 

I have never signed any written document saying that I owe this debt to the collector. they are violating my right of the FCRA as a consumer. I do not know who they are and have not written consent from my end. also, they have not verified that I owe this debt to this alleged company. Please have this removed from all three credit bureaus. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: ID

Complaint narrative:
On XX/XX/2022 I was the victim of a very tactical scam. The scammers targeted my savings account and submitted XXXX checks to USAA for {$2500.00} each. I contacted USAA on XX/XX/2022 notifying them of the fraud. They have frozen my accounts. I was informed that there would be a XXXX business day lag before I had access to my funds. It is now XXXX days later and I still do not have access to my funds. I have bills to pay, money in my accounts, and no way to pay my debts because I can not access my own funds. 

I have filed a fraud alert with the XXXX, XXXX, and XXXX credit agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Omni Financial Corp.
State: AL

Complaint narrative:
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent XXXX attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, XXXX  failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge. 
On the date XXXX/XXXX/2022 XXXX XXXX, agent, d/b/a XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: LEXISNEXIS
State: MD

Complaint narrative:
XX/XX/2022 I Followed up with LexisNexis about inaccurate XXXX XXXX information which they purchase third party from XXXX i have a active account with XXXX  and its clearly inaccurate information and dates that are present I sent paperwork proving the dates dont match up if thats not inaccurate information I dont know what is. 

To remove personal information that I dont not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 
These are clear violations of my my federally protected consumer rights. 

According to the law 15 U.S. Code $ 1681a - Definitions ; rules of construction. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
I would like to know who did they talk to. 
How did they complete this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: WI

Complaint narrative:
Initially, I received an alert on my credit report stating that I owed {$1300.00} to Credence Resource Management for an unpaid bill from XXXX XXXX XXXX. 
I disputed this claim with XXXX and XXXX, because I had no knowledge of any past due debt with XXXX XXXX XXXX. 
Credence Resource Management responded to XXXX and XXXX saying that I did owe them {$1300.00} from an unpaid XXXX XXXX XXXX bill. 
They eventually sent me a copy of the past due bill from XXXX XXXX XXXX and it was dated " XXXX XXXX ''. 
The address on this bill was an address that I hadn't lived at since XX/XX/XXXX. 
Also, I am currently a customer of XXXX XXXX XXXX and my account is in good standing. When I called XXXX XXXX XXXX customer service, we were unable to access this account with my information. I was told that even the last 4 digits of my SSN didn't match with this account. 
I sent a certified letter to Credence Resource Management stating the above information in greater detail. It was received by them XX/XX/XXXX. 
As of today, I have not received any response from them, and this debt is still showing on my credit reports. 
This is not my debt, nor am I not responsible for this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: TMX Finance LLC
State: AZ

Complaint narrative:
I've had three loans paid off with title max and none of which have been reported to the bureaus. I have one open now that isn't being reported to my credit either. If I default on the loan they will report it to my credit but they are not reporting any of the paid accounts or the one im.paying now which is predatory and unfair business practices

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/2022 I made two payments to pay for a camera ticket using my debit card from TD bank to pay for the following ticket : XXXX for {$290.00}. The first payment for {$290.00} ; I believe was not processed therefore I submitted another payment in the amount of {$290.00}. Both payments were withdrawn from checking account. I called TD bank in regarding this issue ; I was told to call the XXXX XXXX XXXX to have second payment dispute or I have to await until the payments was process because they were pending. I called XXXX XXXX XXXX office ; I was told only one payment was withdrawn from my checking account. I explained to them two payments were withdrawn from my checking account. I called TD bank and inform one of the accountant, XXXX XXXX XXXX XXXX will not refund me the second payment of {$290.00}. I was told by the accountant the transaction is still pending, I have to await until XX/XX/2022 for the transaction to process then I can dispute. On XX/XX/2022, the transaction was removed from my checking account however the funds of {$290.00} was not dispute or refunded to my account. The funds of {$290.00} vanished. The XXXX XXXX XXXX Clerk or TD bank would not refund me the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I had an alert on my locked credit report from National Credit Adjusters on XX/XX/XXXX for a debt in arrears. I called National Credit Adjusters. Debt is from XXXX XXXX in the amount of {$700.00} taken out with drivers license that is not mine in XX/XX/XXXX. 
I have never taken a loan from XXXX XXXX. I have never received any communication from National Credit Adjusters regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA

Complaint narrative:
My business uses Heartland Payment Systems to receive credit card payments from customers purchasing insurance coverage. In this case, we received a signed application to buy insurance from a customer, were paid by XXXX for the insurance by the customer, provided the insurance, and five months later received a dispute from Heartland claiming that the customer did not acknowledge making the credit card payment for this insurance purchase. We provided detailed proof of the validity of the insurance purchase to Heartland 's Dispute Resolution team, which ultimately told us that this was an XXXX issue and XXXX refused to refund our {$18000.00} wrongfully taken. 

XXXX responded that this is solely a Heartland matter, as Heartland is the payment facilitator for this transaction, and only Heartland can resolve. Heartland refuses to take any action on this matter. Thus, we are filing this complaint against Heartland.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma, LLC
State: NC

Complaint narrative:
Greetings, I have been subscribed to Credit Karma for a few years and currently still am. My initial purpose for signing up was to use it as a tool to help me monitor my credit score, learning techniques to build my credit and to seek approval for initially a secured credit card. I recently was informed that Credit Karma was misleading subscriber and customers such as myself with the very high approval rating for many different types of credit cards. I too was unfortunately a victim of their misleading information and applied for multiple and various types of credit cards based solely on the approval rating provided by Credit Karma. I do believe that some of the current inquiries on my credit report are as a result of me applying for those cards based on that misleading information. I believe that is very wrong for them to mislead people in general but especially those of us that are trying to improve our credit. Also, the score that the provide for your current credit score with the 3 credit bureaus is also misleading. Those numbers aren't an accurate representation of the current score on people 's credit report. Mine is not accurate, which has led me to get a subscription and membership with XXXX that allows me to access my the other two credit bureaus as well. They are hurting and lying to customers, instead of truly helping us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I tried to login into my Equifax credit report 100 times but they showed me only 1 thing that, Please give us a call we can't complete your request at this time. Please call the Customer Care team. When I submitted the Complaint to CFPB they informed me that I opened an account in Equifax credit bureau and login into my credit report and removed the security freeze and dispute inaccurate accounts from my Equifax credit report or check my credit score. 

But when I tried to login into my Equifax credit report they showed this message that we can't complete your request I can be called them when I called them they said that they need to verify me and to verify me I want to fax my copy of driver license or social security card so they made money by selling them to marketers. As like in XXXX they sell billions of people 's data online and FTC sued Equifax for $ XXXX   but after that, this fraud bureau asked to send people 's information to them by fax or email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: MD

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: TX

Complaint narrative:
I am in complete distress due to the credit bureaus violating my right to privacy, and reporting the companies listed in this complaint without my written permission, written consent or written instructions. I have not at any time provided the credit bureaus or the companies listed in this complaint with written permission, written consent or written instructions to report these items on my credit reports. They are breaking the laws set in place by the Fair Credit Reporting Act. 

They have broken the following Fair Credit Reporting Act laws : 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 : States a consumer reporting agency can not furnish an account without my written instructions Their violations have caused me to be denied credit, denied the right to purchase a home, declined the right to lease an apartment, denied business loans, denied employment, and denied insurance. Their violations have also caused me distress and embarrassment. These violations must end now. 

I would like each of the following companies deleted from my credit reports immediately : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX 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 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: World Omni Financial Corp.
State: AL

Complaint narrative:
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the XXXX  , XXXX  in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXXXXXX  can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge

Company response to consumer: Closed with explanation