vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-10 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: AR

Complaint narrative:
I declare under pentalty of perjury, 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.These items that are found on my credit report are not related to any transaction that i made or been apart of.These credit reporting agencies are in a clear violation of the United States Code Law 15 U.S. CODE 1681 1B- Permissible purposes of consumer reports they are reporting unknown accounts without my authorization. I never gave equifax, XXXX, XXXX  written consent to report anything to my consumer report. On XX/XX/2022 i sent a dispute to XXXX, equifax and XXXX certified mail letting them know of this violation and requiring proof of my of my written consent. As a consumer by law these accounts on this letter must be deleted immediately from my consumer report. This has caused me to suffer and its defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: AR

Complaint narrative:
I declare under pentalty of perjury, 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.These items that are found on my credit report are not related to any transaction that i made or been apart of.These credit reporting agencies are in a clear violation of the United States Code Law 15 U.S. CODE 1681 1B- Permissible purposes of consumer reports they are reporting unknown accounts without my authorization. I never gave XXXX, XXXX, experian written consent to report anything to my consumer report. On XX/XX/2022 i sent a dispute to XXXX XXXXXXXX and experian certified mail letting them know of this violation and requiring proof of my of my written consent. As a consumer by law these accounts on this letter must be deleted immediately from my consumer report. This has caused me to suffer and its defamation of my character.

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 2022-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, TX XXXX I just got my report and I think it is wrong! I was told I have the right to have an investigation done. The XXXX XXXX Account depicts an old account as a charge off. I paid the account opened in XXXX off completely. I opened a new account in XXXX and XXXX XXXX reported I opened it in XXXX and charged off the new account. The account on my credit report is false. The Credit bureaus laws report that the bureaus report 100 % accurate credit history. Every step must be taken to assure that the information reported is completely accurate. The following information therefore needs to be reinvestigated. Please make sure everything pertaining to my credit report is correct. 

Please provide me with the following items : 1. Pay Off Disclosure 2. Interest Disclosure 3. Balance History 4. Payment History 5. Credit Insurance Validate Account XXXX XXXX XXXX Closed ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION. 
( A ) IN GENERAL.If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2022-08-10 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, TX XXXX I just got my report and I think it is wrong! I was told I have the right to have an investigation done. The XXXX XXXX Account depicts an old account as a charge off. I paid the account opened in XXXX off completely. I opened a new account in XXXX and XXXX XXXX reported I opened it in XXXX and charged off the new account. The account on my credit report is false. The Credit bureaus laws report that the bureaus report 100 % accurate credit history. Every step must be taken to assure that the information reported is completely accurate. The following information therefore needs to be reinvestigated. Please make sure everything pertaining to my credit report is correct. 

Please provide me with the following items : 1. Pay Off Disclosure 2. Interest Disclosure 3. Balance History 4. Payment History 5. Credit Insurance Validate Account XXXX XXXX XXXX Closed ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION.

( A ) IN GENERAL.If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: OK

Complaint narrative:
My personal information was used to open accounts in my name. Those accounts do not belong to me and i would like to have the credit bureaus remove the fraudulent information. I have sent them letters and reports explaining this information. I have reach to the companies involved and now I am reaching out to you. 

XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX. {$250.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX. {$680.00} XXXX XXXX {$710.00} XXXX XXXX XXXX {$880.00} XXXX XXXX  {$360.00} XXXX XXXX {$9900.00} XXXX XXXX. {$5500.00} XXXX XXXX XXXX. {$100.00} XXXX XXXX XXXX XXXX {$0.00} DEPT OF EDUCATION XXXX  XXXX {$12000.00} DEPT OF EDUCATIONXXXX {$35.00}, XXXX DEPT OF EDUCATION XXXX XXXX {$27000.00} DEPT OF EDUCATION {$0.00} XXXX XXXX XXXX  {$0.00} XXXX BANK XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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:
Wednesday, XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, Texas XXXX SSN : XXXX | XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX I was just looking at my credit report and found some errors relating to my payment history on some accounts.The original creditors and Transunion have ignored my request for verification and Pursuant to 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 any purpose. I have outlined the following incorrect late payments. Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately. 

Account Name XXXX XXXX  Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were all on time. 

Clearly you have some faulty systems, because there should be NO late payments showing here. As in, ZERO late payments. So why are you reporting it incorrectly?

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 2022-08-10 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: NC

Complaint narrative:
In a accordance with the fair credit reporting act XXXX account # below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: NC

Complaint narrative:
In a accordance with the fair credit reporting act XXXX account # below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX XXXX # XXXXXXXX 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 explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am stating the situation of on complaint with bank of America, back in XX/XX/2020 i deposited a check of XXXX via picture due that the line to the atm was long. after doing so, 2 weeks later i receive a letter saying that they were closing my acct due to fraudulent activities. i immediately call the bank and they weren't clear of why i was being put as fraud in my account. i let them know my story and told them that the check i deposited was from my water and power stimulus they gave out for low-income families. i have the receipts and i have the actual check with all the information that explains where the check came from. that i needed help and answers but they just keep sending me to different departments and none ever helped me now i am in check system for no reason. i am here letting you know my story and that i have physical proof of my story. i am in check system and i cant open an account due to this matter. i am in a urge to open an account and clearing this matter

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 2022-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Payward Ventures Inc. dba Kraken
State: CA

Complaint narrative:
Hi, I opened an account with Kraken.com a few days ago. After they verified my account through my ID, I was told that my account is good to go for making a deposit and exchanging cryptocurrency. I was told that I can withdraw my money after 3 days of the first ACH transfer. First, I made a small deposit of {$50.00} to make sure it is safe and reliable. Once I realized it is safe, then I made another deposit of {$1000.00}. Now, that I want to withdraw my money, they have put a hold on my account and suspended my transactions. They are asking for ridiculous documents such as writing a note and taking a selfie with that. They should have let me know before if they are going to hold my money for no reason, and didn't let me make a deposit. They don't release my money despite of contacting them multiple times. I need help from you to get back my money from these scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: CA

Complaint narrative:
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 USC 1001. 
Additionally, these misstatements are punishable as perjury under 18 USC 1621. 
This item found within my credit report is 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 this account. 
This debt collector is in violation for putting this unknown account on my credit report. 
This has caused me to suffer and its defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: TX

Complaint narrative:
Last night I opened a account with Current Mobile banking and transfered almost XXXX dollars into the account. They said my card would be shipped but they had a virtual card that I could use till it come. I wake up today and I have zero access to my money the virtual card doesn't work at all I can't buy anything or get money out to survive. I made 10 phone calls today and everytime they told me they didn't have a supervisor I could speak with and they didn't have to let me talk to anyone that they would just sit there on the phone till I got bored and hung up. I asked for the number to someone above them and they told me they didn't have one I asked for there names they told me they didn't have to tell me there names.they didn't inform me that my entire account would be of no use till I get the plastic card in 2 weeks knowing I can't feed my kids or anything without it. They even have me suspended from sending my money online to other people to get it out.. they refuse to help me and told me that my money is gunna have to sit there till the card comes in and that can not be legal

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
I did two modifications one in XXXX with XXXX XXXX and another with M & T bank in XXXX. M & T bank claims that they made me aware of a second lien on my property over the phone. I alleging that that conversation never took place, moreover I'm under the assumption that no oral agreements exist. M & T Bank sent me the XXXX modification documentation with XXXX XXXX which shows a second lien that I did sign for, However the XXXX modification failed to inform me of a second lien ; I was lead to believe the modification I signed in XXXX with M & T Bank was for my total loan amount of {$100000.00}. I'm charging M & T Bank with failing to disclose full details of my loan and making me believe I only owed the amount I signed for in the XXXX modification with M & T Bank. I don't understand why the XXXX modification with XXXX XXXX has any effect on a different and separate modification with a different entity being M & T Bank in 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 2022-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
MIDLAND CREDIT MANAGEMENT LLC is stating i, consumer, XXXX : XXXX, owe them a debt ( violation of my federally protected rights ) ( 15 USC 1692b ( 2 ). MCM has contacted me multiple times- ( violation of 15 USC 1692b ( 3 ). The entity they purchased from ( XXXX XXXX ) as stated, did not give them the correct information because i never had a contract with them either. They also are contacting me at inconvenient hours ( harassment ). I do not have a contract with this creditor or debt collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Wednesday, XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, Texas XXXX SSN : XXXX | XXXX : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX I was just looking at my credit report and found some errors relating to my payment history on some accounts. Purusna to 15 use 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. I have outlined the following incorrect late payments. Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately. 

Account Name : XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX were all on time. 

Account Name : XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were all on time. 

Clearly you have some faulty systems, because there should be NO late payments showing here. As in, ZERO late payments. So why are you reporting it incorrectly?

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 2022-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: CA

Complaint narrative:
I was in a forbearance lost my job my tenants didnt pay rent for 18 months been trying to get a deferral on my payments since XXXX they keep telling me i didnt turn in documents which i did over 10 times tried paying back payments denied to take my money the day after sent default letter than canceled it they said, then said 30 days pay stubs when XXXX ran out then said i needed letter for bank account i didnt have and wanted proof of rent my receipts wasnt exceptable then spoke to management gave me her word foreclosure was placed on hold next day was in foreclosure they canceled my forebearance put me in foreclousure while in forbearance and said they couldnt locate forebearance they are throwing me around when this could of been resolved back in XXXX now im 8 months behind have a job tried setting up repayment plan say i cant because foreclosure status im scared of losing my house i have alot of equity in home and believe they are doing this to gain my equity can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: GA

Complaint narrative:
In 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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

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