vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-29 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: City Enterprises, LLC
State: AL

Complaint narrative:
Payment was 4 days past due with XXXX XXXX, I was called numerous times daily, while at work. My references were called numerous times daily. I received a voicemail threatening repossession after only 4 days past due. I have paid a year on car, with no late payments. When I returned call to Creditor, I spoke with my Credit Manager. He was rude and Irate. I asked for copy of contract to be mailed to me. He wanted to speak about the payment that i made online earlier. Offered him a reference #. He yelled and screamed at me that if i made my payments on time then he wouldn't have to harass me. Asked him to stop calling my references, especially my elderly mother. He yelled no way, he will call all refs until i pay on time. Again asked him to stop calling my references. He refused. They will not work with you when needed and speak with you like you are stupid and worthless. I regret ever purchasing a vehicle through them. The car is always tore up, the warranty was worthless. I tried to explain that is is hard to pay for repairs and the car at the same time. I was told to either pay on due date or the car will be repossessed. Let him know that I would be reporting his actions to the CFPB and his response was a loud laughter with the reply " Have fun with that ''. Their phone calls are recorded. This happened today XX/XX/2022

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 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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

15 USC 1881 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: TX

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

15 USC 1881 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: NM

Complaint narrative:
MY SON CALLED ME ON XX/XX/XXXX AT XXXX XXXX HE SAID HE WAS JUST IN AN ACCIDENT, THE POLICE TOOK HIS PHONE AND HE COULDN'T TALK BECAUSE HIS NOSE WAS BROKEN AND HE HAD A NUMBER OF STITCHES ON HIS LIPS. HE SOUNDED LIKE MY SON THOUGH. HE SAID HIS LAWYER FROM LEGAL AID WOULD CALL ME. THE ATTORNEY CALLED ME ABOUT XXXX XXXX XXXX XXXX XXXX ON XX/XX/XXXX. I WAS CONTACTED BY XXXX XXXX WHO SAID HE WAS WITH LEGAL AID IN XXXX XXXX. HE STATED MY SON WAS IN AN ACCIDENT AND NEEDED TO POST BAIL ON FRIDAY MORNING TO BE RELEASED AFTER HIS HEARING. THE BAIL WAS XXXX $ BUT I COULD WIRE THE MONEY TO A NEW JERSEY BANK ( TD BANK ) TO THE LEGAL AID PERSON WORKING WITH THE XXXX XXXX COURTS. HER NAME WAS XXXX XXXX, HER ACCOUNT AT THE BANK WAS XXXX XXXX XXXX ROUTING NUMBER XXXX ... I WIRED THE MONEY AT XXXXXXXX XXXX FROM MY BANK, XXXX BANK IN XXXX. MY SON SUFFERS FROM XXXX FROM 23 YEARS SERVING IN THE XXXX. I DIDN'T WANT HIM TO BE IN JAIL. THE ATTORNEY SAID HIS BAIL HEARING WOULD BE FRIDAY XXXX XXXX AT XXXX AM.. XXXX XXXX XXXX THE ATTORNEY, CALLED ME AFTER THE HEARING WITH NEWS THAT THE JUDGE WOULD SIGN A RELEASE BUT THE OTHER PERSON IN THE ACCIDENT WAS PREGNANT AND SHE MISCARRIED. SHE WOULD DROP ALL CHARGES IF I COULD SEND XXXX $ TO COVER MEDICAL. I GOT SUSPICIOUS AND STARTED RESEARCHING XXXX XXXX COURT CASES AND DETENTION FACILITIES AND COULDN'T FIND MY SON 'S NAME ANYWHERE. THE LAWYER JUST CALLED ME AGAIN BUT I LET IT GO TO VOICE MAIL. PLEASE ADVISE AS TO WHAT I CAN DO TO RECOVER MY MONEY. I CALLED TD BANK AND THEY COULDN'T DO ANYTHING WITHOUT THE PERSON TO BE THERE TO OPEN HER ACCOUNT. MY BANK WARNED ME BUT I WAS SO WORRIED ABOUT MY SON I SENT THE MONEY ANYWAY. HELP PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SunTx Capital Partners
State: TX

Complaint narrative:
Hello, I am having problems getting Freedom Truck Finance to do a full investigation on my account. I was approved for 4 extension on this loan. They only have 2 due to a new company buying them out. My love should have never have any late payment nor should they close this account on my credit report. They can 't provide any paper work showing my original loan. I paid the balance out in full when I was suppose to but according the FTF I didn't. I would like my account open on my credit report with no late payments. 
Here are my account numbers. 
Original loan- # XXXX New loan with new company-XXXX

Company response to consumer: Untimely response
Consumer complaint received 2022-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion is a deceptive company. There are lots of incorrect phone numbers, address and consumer things on my account that don't belong to me. When I tried to call, I was hung up on 3 times and online gave me a error message that said my report was unavailable. It was a mess. I have a XXXX score, a XXXX bankruptcy with 1 new credit opened from my credit union and thats it. No wonder I cant get credit, they have so much junk on my file its a shame. Also they have offshore Customer service people who you can barley understand handling American consumer reports. That is too important of a task to put in the hands of people from another country. TransUnion needs to be fined and abolished,

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 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance to the fair credit reporting act XXXX XXXX Account Number : XXXX XXXX XXXX XXXX has violated my rights.

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late and for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: TX

Complaint narrative:
In accordance to the fair credit reporting act XXXX XXXX Account Number : XXXX XXXX XXXX XXXX has violated my rights.

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late and for and purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/2022, AFFIRM INC added a derogatory mark on my credit report ( XXXX XXXX XXXX XXXX ). After I did some research, this account was sold/transferred and I am no longer responsible for this account. The debtor creditor never certified this collection. Also, there was no written document or form of communication, a contract or signature for this debt that I am being accused of at all. If there was a bill without a signature, that does not validate this debt which anyone can send a bill and say that it is mine. 
It is written in the FCRA ; that according the regulations, this collection agency has violated my rights as a consumer and I am exercising my rights to that legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: U.S. BANCORP
State: NV

Complaint narrative:
UPON RECEIPT OF FINANCIAL STATUS THE CONSUMER HAS BEEN FURTHER DAMAGED BY THE NEGILENCE OF US. BANK ( AKA XXXX ' ) TO CORRECT THE CREDIT REPORTING AND DEBT THAT DOES NOT BEYOND TO THE CONSUMER PER CONVERSATION WITH XXXX OF U.S. BANK ON XXXX XXXX, 2022 THE CONSUMER ATTEMPTED TO ADVISE OF THE DESTRUCTIVE ACT BY U.S. BANK NOT TO ACCEDPT ONUS THAT THE CONSUMER REPORTED MULTIPLE DEFICIENCY WITH PRIMARY CONCERN TO PROTECT THE CONSUMER FROM FURTHER DAMAGE SHOULD ENTITIES CONTINUED TO SUBMIT FALSE TRANSACTIONS TO THE CONSUMER CREDIT CARD BY THE STANDARD TECHNIQUE OF CLIMAING TO REQUIRE SAID CREDIT CARD WITH ALTERNATIVE INTEREST TO OVERCHARGE CONSUMER FOR FALES TRANSACTIONS THAT WERE NOT ONLY NOT ACCEPTED BYTHE CARDHOLDER BUT NOT WITHIN THE BASIS OF THE LAW OR THE FAIR CREDIT REPORTING ACT.

U.S. BANKS COULD HAVE JOINTLY WORKED TO PROTECT THE CARDHOLDER BY TRANSFERRING MEMBERSHIP TO ANOTHER ACCOUNT BUT DID NOT PROVIDE THAT ALTERNATIVE TO THE CONSUMER. 

HAVING MAINTAIN EXCELLENT STATUS WITH U.S. BANKS WITH EITHER NO LATE PAYMENTS OR DEFICIENT PAYMEN ( S ) U.S. BANK SHOULD HAVE PROVIDED ENTITLEMENT TO THE CARDHOLDER BY STOPPING ILL GOTTEN CLAIMS BY ENTITIES FOR THE PURPOSES OF ILL GOTTEN MONIES. 

TO DATE THIS HAS CONTINUED & REDRESS IS IN ORDER!

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 2022-04-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: LA

Complaint narrative:
On XX/XX/2022 CashApp ( XXXXXXXX XXXX  ) refunded payment made to me for services over a month and a half ago due to the paying party filing false disputes with the bank. These payments were made and received in good faith and services were rendered. To this point they have taken {$160.00} out of my account and " refunded '' to the other party without notification of dispute or cause for such dispute. I have tried to Contact the other party to no avail and the customer service department at the bank informed me that it was completely up to their discretion to remove funds from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: EQUIFAX, INC.
State: NY

Complaint narrative:
In late XXXX I received a Strange call from XXXX XXXX XXXX XXXX which stated my account has been compromised and they would be sending me out a new debit card. They also suspended my my online banking which revoked my access to all my account associated with XXXX XXXX  XXXX. Now mid way threw XXXX i receive another call saying my account was over drawn I told the rep i will not verify anything over the phone and I would like to call the number on the back of my card which i did right after the call and the rep said my account was fine and not overdrawn. Now XX/XX/2022 I received another strange call saying my account was over drawn again so i said ill go into the bank and I will not be talking to anyone over the phone because something weird is going on. So XX/XX/XXXX I went into the branch to clear everything up. After sitting with the rep they wanted to make sure I was the one that made certain transactions which we confirmed they banker then removed all the blocked on my account and online banking. That same day I made a payment of {$340.00} to my credit card account in which I've never been late on. Now today XX/XX/XXXX I receive an alert on my consumers report that I have a late payment reported from XXXX XXXX XXXX XXXX which is not true. I would like this matter resolved and the late payment removed from my consumers report. I will provide proof of my payment and how my account was not pass due ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In late XXXX I received a Strange call from XXXX XXXX XXXX XXXX  which stated my account has been compromised and they would be sending me out a new debit card. They also suspended my my online banking which revoked my access to all my account associated with XXXX XXXX XXXX Now mid way threw XXXX i receive another call saying my account was over drawn I told the rep i will not verify anything over the phone and I would like to call the number on the back of my card which i did right after the call and the rep said my account was fine and not overdrawn. Now XX/XX/2022 I received another strange call saying my account was over drawn again so i said ill go into the bank and I will not be talking to anyone over the phone because something weird is going on. So XX/XX/XXXX I went into the branch to clear everything up. After sitting with the rep they wanted to make sure I was the one that made certain transactions which we confirmed they banker then removed all the blocked on my account and online banking. That same day I made a payment of {$340.00} to my credit card account in which I've never been late on. Now today XX/XX/XXXX I receive an alert on my consumers report that I have a late payment reported from XXXX XXXX XXXX XXXX  which is not true. I would like this matter resolved and the late payment removed from my consumers report. I will provide proof of my payment and how my account was not pass due ever.

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 2022-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WEALTHFRONT CORPORATION
State: KY

Complaint narrative:
I had some unauthorized transactions that began on XXXX and ended on XX/XX/15. The bank decided against me even though I did not make the transactions. In total it was XXXX dollars money I do not have to lose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian has changed my name to a name that is not mine on my credit report without any legal documentation in that name on file. They are refusing to change it back without me submitting multiple forms of ID. And refuse to acknowledge their error.

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 2022-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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. 

- XXXXXXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXXXXXX XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX Here is a list of all my hard inquiries above that 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 an 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 2022-04-29 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: FL

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. 

- XXXXXXXX XXXX  XX/XX/XXXX - XXXXXXXX XXXX XX/XX/XXXX - XXXXXXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX Here is a list of all my hard inquiries above that 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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:
In accordance to the fair credit reporting act XXXX XXXX Account Number : XXXX XXXX XXXX XXXX has violated my rights. 

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late and for and purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Fay Servicing, LLC
State: NC

Complaint narrative:
I have a commercial loan that is being serviced now by Fay Servicing LLC. They have incorrectly increased my escrow amount by {$300.00} a month as a result of being unable to read an insurance policy. I communicated with them on XX/XX/XXXX and they told me they were going to fix it after I read the policy to them. However, it is still not fixed. 

For another loan they did not pay the insurance timely and the insurance would have been canceled if not for our efforts and loaning them money.

Company response to consumer: Closed with explanation