vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-08 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: CA

Complaint narrative:
XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6600.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5200.00} -This is not my account. 


-- XXXX XXXX XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$35000.00} -This is not my account. 









-- OTHER ACCOUNT XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$350.00} -This is not my account. 


-- COLLECTION ACCOUNTS XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7400.00} -This is not 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 non-monetary relief
Consumer complaint received 2022-04-08 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: CA

Complaint narrative:
XXXX. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6600.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5200.00} -This is not my account. 


-- XXXX XXXX XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$35000.00} -This is not my account. 









-- OTHER ACCOUNT XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$350.00} -This is not my account. 


-- COLLECTION ACCOUNTS XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7400.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: NC

Complaint narrative:
I have disputed the XXXX  credit card account that Experian is reporting 2-3 times. Each time, Experian XXXX XXXX allows XXXX XXXXo report inaccurate information, changing the information reported each time. For example, upon updating the credit line was the investigation was completed ; it now reports my XXXX payment is 30 days -the XXXX payment is NOT DUE until XX/XX/XXXX. 
Furthermore, Experian XXXX XXXX continues to allow the account to report that the XXXX payment was 90 days late when- a partial payment was made on XX/XX/XXXX and another on XX/XX/XXXX ; so a payment due on XX/XX/XXXX was not 90 days late.

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 2022-04-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I got a XXXX forbearance for the months of XXXX, XXXX, and XX/XX/2022. I did not make payments those months and resumed monthly payments XX/XX/2022. I signed paperwork from XXXX stating that the amount of the payments I missed ( {$3000.00} ) was considered a loan that would be payable when I refinance or pay off the mortgage. My account was never properly credited for that amount nor was I given a check for that amount, so I was never given the money that I have a loan for. 
I have called many times in 2022 trying to get an explanation of the strange items on my mortgage statements and no one has given me any explanation except that they were mistakes and would be fixed. They have never been properly fixed and I gave up asking for an explanation. 
I have called more recently called to straighten this out, requesting a meeting to analyze the statements. Every person I talk to tells me that I need to talk to someone else. I have left messages for the XXXX that I am told can get this taken care of and she has not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: CA

Complaint narrative:
On XX/XX/2022 Some one hacked my XXXX account and made an unauthorized purchase with my Direct Express debit card ending XXXX in the amount of XXXX. 
On the XXXX of XXXX I opened a fraud claim with Direct Express # XXXX. 
After a 45 day investigation by Direct Express they decided to deny my fraud claim saying that the merchant ( XXXX ) provided them with proof that I approved that transaction. 
I requested a copy of that proof 3 times and have not yet received it. 
Nor will the merchant allow me access to that proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: TOYOTA MOTOR CREDIT CORPORATION
State: MD

Complaint narrative:
XXXX is a misleading lying organization. I was instructed to mail a payment paying overnight to lower the balance listed on the account. Only to be told that now they have transferred the account yet again to a business partner and neither entity can access the account as I am constantly being told that I will receive a callback or to call the next day. The check I mailed was cashed by Toyota Financial Services. So now I am out of money and the balance on the account has not been lowered nor has the balance been reflected the respective credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Link Management, LLC
State: AL

Complaint narrative:
They have harassed my family and friends with multiple calls and text messages a day whos numbers were not provided in any way, as well as called myself multiple times a day from different phone numbers. I have already requested that all communication of the alleged debt be provided in paper form. The calls often frequent upwards of 5 times a day if not more. They have previously been provided my current mailing address and refuse to change form of communication. A voicemail received from a family member on XX/XX/22 stated that I was the last attempt to reach information for XXXX XXXX, but they continue to harass with phone calls

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I sent out a letter for capital one auto finance to send me a copy of the original contact bearing my signature and all I received back was verified without any documentation with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NBT BANCORP INC.
State: CA

Complaint narrative:
I received a communication from the XXXX XXXX XXXX XXXX XXXX XXXX dated on XX/XX/2022. I replied to their communication that this debt is not mine and is as a result of Identity Theft. I thereafter, receive a second communication from this office dated XX/XX/2022 stating that they " have validated '' the account via a copy of records from their client- which they enclosed. After reviewing the enclosed information, I have never done business with XXXX XXXX or any doctor in XXXX XXXX, XXXX which is more than 75 miles away from my place of residence. This account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is XXXX XXXXXXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to the credit bureau reports, in writing... under such section XXXX, subsection ( XXXX ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX # XXXX failed to give me my " Mini-Miranda '' XXXX days prior to placing this derogatory item on all of my credit reports, per Section XXXX ( XXXX ) & FDCPA XXXX, Under XXXX. V lid i XXXX XXXX XXXX Mi XXXX Mi XXXX XXXX XXXX i XXXX ( XXXX ) XXXX XXXX XXXX # XXXX Validations of date and Mini-Mirandi under XXXX ( XXXX ) XXXX  XXXX XXXX # XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX  XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO XXXX. I also have reported this account to the FTC, and XXXX Police XXXX. I need this collection account to be removed from my credit report. XXXX XXXXXXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am filing a complaint on my own behalf. I have a few accounts that are showing me 30-60 days late and at the time my income was affected by the Pandemic shut down. I am aware that the CARESACTwas allowing for consumer protection under the CARES act with creditors offering accommodations. I have on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are showing late pays I have since paid my account off in full and I would like my account to reflect the current status to help protect the integrity of my credit profile.

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 2022-04-08 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: PA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions

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 2022-04-08 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-04-08 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-04-08 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: WA

Complaint narrative:
I initially sent out a letter three months ago. I have provided proper identifications and copies of the credit reports with inquiries that are not consented to by me. It is also a violation to furnish social security number on the credit report. That's can result in fraud and identity theft as well. I have also sent a separate letter disputing that error as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: NC

Complaint narrative:
I have disputed the XXXX XXXX XXXX  account that XXXX is reporting 2-3 times. Each time, XXXX XXXX Equifax allows XXXX to report inaccurate information, changing the information reported each time. For example, upon updating the credit line was the investigation was completed ; it now reports my XXXX payment is 30 days -the XXXX payment is NOT DUE until XX/XX/XXXX. 
Furthermore, XXXX XXXX Equifax continues to allow the account to report that the XXXX payment was 90 days late when- a partial payment was made on XX/XX/XXXX and another on XX/XX/XXXX ; so a payment due on XX/XX/XXXX was not 90 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: SC

Complaint narrative:
I reached a buyout agreement with The XXXX in XXXX of XXXX, the agreement was Id give 60 days notice and pay the rent owed during that time, once that time frame was up Id owe an additional months rent of XXXX and the manager at that time, XXXX XXXX advised I could even set up a payment plan if need be. I pay XXXX on full, XXXX in full, and the rent for XXXX was prorated based upon the date I gave notice. We moved and Id tried establishing the payment plan with XXXX, Id left the area to work out of town for a while. She kept putting the matter off, and we soon found out shed quit. The new manager stated she had no knowledge of the buyout and that shed moved me out of an apartment on XX/XX/XXXX but wed left in XXXX. They refused to adhere to the buyout agreement that was with their previous agent XXXX XXXX and began running a total again. The remainder of XXXX, XXXX, and XXXX, even though their manager admitted to allegedly moving me out. I have screenshots and emails of everything, even their website prorating XXXX rent. And the payment being made and is owing zero. I believe this to be retaliation from a legal matter we had months prior, they were the victims of a theft and had several money orders stolen and cashed. As a result they tried to charge us for their theft, we refused and they tried to evict us for XX/XX/XXXX rent. The judge found in our favor and they still kept that balance there for months, we had to contact the judge in order to have the complex remove the balance that wed legally established we did not owe! I still have a copy of the judgement as well. They sent the present matter over to IQ data, I disputed this using the method they provided. The apartment complex nor their corporate office ever responded to the dispute, IQ data kept calling stating I owed a debt even though I was in an active dispute period and their client never responded, they admitted as much on their recorded line. I disputed this matter in XXXX of XXXX with IQ data and their client The XXXX a living well homes community has still yet to respond, but IQ data placed the disputed matter on my credit report even though I supplied them with evidence supporting my argument and their client never provided a debt validation. This has caused my family and I to have to rent hotels spending mountains of money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DC

Complaint narrative:
Im requesting a deletion from Fair Collections and Out. I have requested a copy of the original contract between me and the Overlook who is the Alleged original creditor. I still havent received any proof of any contract with either party and its been over 60 days. The is has been an inconvenience to my life and I with like to be compensated

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 2022-04-08 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: Mercury Technologies, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX. 2022, our business checking account was fraudulently deducted {$1300.00} by a business called XXXX XXXX XXXX, in California, allegedly using one of our team member 's virtual account numbers. We absolutely did not approve this transaction and were nowhere near the state of California on that date. Additionally, there is no historic log of any of our virtual accounts being accessed by us on that date ( i.e. no IP activity ). Given this apparent hacking of Mercury 's systems, we immediately contacted the bank to request a claim on this money. We have attempted to communicate this issue to Mercury Bank, however, we have been given the runaround that our domain emails aren't working, and that if we can not reply to their emails ( which never arrive ) then they will have to close our window to claim this money back. We have even sent them timestamped screenshots affirming that our emails and domain have always worked, and they refuse to communicate in alternative emails. How does one even use a virtual card number at a car repair shop, anyways? It has been a few months of trying to communicate with them, but they are, as of XX/XX/2022, no longer replying to our emails. This, to us, is a serious violation of our account integrity and we feel violated that our money was so brazenly stolen. Additionally, Mercury 's poor customer service has resulted in serious miscommunications, and in our eventual 'ghosting '. Please contact us to facilitate a resolution at XXXX ( or XXXX if you are still having troubles sending emails ). Thank you very much for any help you can provide in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I noticed on my XXXX report that a credit line of $ 30k does not belong to me. I do not have a credit line this large. I called XXXX and they said " it belongs to me ''. I don't have an account with Citi Bank. I went to a Citi Bank location in my area and explained the same thing to them. I got the same result. This is not my account as I don't have any credit line with Citi Bank or for this large of credit line. Everyone refuses to remove this fraudelent account off of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-08 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX Has violated my right to privacy according to The Fair Credit Reporting Act under 15 USC-1681B Section 602A.XXXX XXXX XXXX has also violated my right under 15 USC-1681A Section 604A Section2 which also States a consumer reporting Agency can not furnish an account without my written instructions. This account is at a {$0.00} balance no further obligation on this account XXXX XXXX XXXX have not given a 1099-C form for filing as I am Required to file on tax forms in which would be counted as income. I have no other obligations to this account and is at a {$0.00} balance. This has been an embarrassment as well as a hinderance for my family and I moving forward in being Qualified for possible Mortgage lenders.

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