vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In the accordance with fair credit act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX - account # XXXX, XXXX XXXX  - account # XXXX, XXXX XXXXXXXX - Account # XXXX, XXXX - account # XXXX, XXXX XXXX # XXXX, XXXX XXXX- account # XXXX XXXX  XXXX- account # XXXX XXXX XXXX  -account # XXXX, XXXX XXXX- account # XXXX, XXXX XXXX -account # XXXX, Has Violated My Rights. 

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

15 U.C.S 1681 section 604 section 2. It also states consumer reporting agency can not furnish an account without my written instructions.

15 U.C.S 1681c. ( A ) ( 5 ) section States. No consumer reporting agency may make any consumer report containing any of the following item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.C.S 1681s- 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: VA

Complaint narrative:
I switched carrier from XXXX to XXXX on XX/XX/2022, I was assigned an Account No. I am the account owner of that account. I had autopay enabled on it and every month the amount had been paid for the bill accurately But some how XXXX had accidentally or fraudulently opened a sub account under my Account and they claim that I have to pay XXXX + XXXX XXXX And it has been sent to collection agency Receivables Performance Management LLC This particular account dint even show up in my XXXX app where I check everything and do my payments. 
My credit score got hit by XXXX points I called XXXX multiple times- they said it is with collections agent and we cant comment about the account. 
My question is you ( XXXX ) created a sub account for me without my knowledge and have been assigning a bill for it and you are not taking responsibility for it? 

I called this collection agent multiple times and also mailed them to dispute this and they said they ll interact with XXXX and I will get an update in few weeks. 

I want to get the latest update on my dispute. 

I want this to be removed from credit history Please help me with it. 

My reference no. Printed in the collection agency mail is : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: VA

Complaint narrative:
On XX/XX/12, I received a paper statement for a new business checking account I opened with US Bank that shows they had assessed a {$6.00} fee on my account. There was no obvious indication what this fee was for as it only said " XXXX XXXX XXXX. '' When I went online, it also had no further descriptions on what it was, forcing me to call US Bank to ask what this fee was for. Around XXXX EST, I talked to a rep on the phone, who told me this fee was for utilizing paper statements. I asked where it's documented that this fee is charged, I was told that it is only documented in the original email that was sent to me when I opened the account and that it is not documented anywhere on U.S. Bank 's website. Not only that, the rep specifically says that it is " common '' for people to miss it. That immediately seemed like a red flag to me that this was a deceptive and dishonest practice. When I went onto the website and tried to set my account to paperless, I received an error, and instead had to again as the representative to do it for me. It is ridiculous and unethical for a bank to not advertise a fee, purposefully minimize documentation of that fee, then make it difficult for a customer to avoid it. Also, if it only exists in the welcome email, and not documented anywhere else, that means a customer will not know about it until AFTER they have opened an account. That's predatory and deceptive. 

In addition to this, even though I opened my account on XX/XX/XXXX, it did not show up until the THIRD statement, which I received today on XX/XX/XXXX, almost three months later. Because of this, the rep said even though I switched to paperless settings, I would likely still be charged again since I've received multiple paper statements. I had already received XXXX paper statements before they even charged the fee to my account. That is beyond predatory behavior. 

I honestly thought we were past these types of tactics in the finance industry, but apparently U.S. Bank still practices it.

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 monetary relief
Consumer complaint received 2023-06-13 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: FL

Complaint narrative:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12 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: AL

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.

The letters are stated with items and issues.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: AL

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.

The letters are stated with items and issues.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: GA

Complaint narrative:
Trans Union has failed to remove fraudulent inquiries resulting from identity theft. I have already provided all required documentation. These inquiries are not mine and I did not give anyone consent to use my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ATLANTIC BAY MORTGAGE GROUP LLC
State: NC

Complaint narrative:
Atlantic Bay Mortgage intentionally lied to the bureau and invented disinformation as part of a financial conspiracy that I did not pay my own home insurance to Members XXXX when in fact I did. Atlantic Bay Mortgage believes they are so special and exempt from federal criminal law that says you are not allowed to lie to federal banking regulators.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PROPEL FINANCIAL SERVICES LLC
State: WA

Complaint narrative:
on XX/XX/XXXX XXXX unauthorized transactions were performed on my account for XXXX or around that amount see notes. i reported these transactions upon finding out. a fraud form was filied out by me and sent to providers bank. they ( XXXXXXXX XXXX } XXXX liability rule that says all unuathorized transactions performed without card holders consent will be issued provisional credit while an investigation is performed if more than 10days elapsed. a finding that was made no more than a day of no fault was issued.. i imediately asked for a reconsideration of the findings as its impossible for me to have been at two places at once the fraud form i filed explains thatso an reinvestigation was idssued going on four weeks now and since then i find that my account has been closed, i fell was was a retalitory measure by providers bank and is also illiegal as i get my federal security deposited every month and providers had no right nor reason to close that account, so now iam filing a complaint for closing my account with a retalitory attitude by providers so iam seeking my provisional credit XXXX around XXXX and a federal XXXX for closing my account illegally.. this investigation has gone well over 10 days at that time provisional credit shoould have been issued up ontill a decision was made which one has not yet been made.

Company response to consumer: Untimely response
Consumer complaint received 2023-06-13 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Dispute Regarding Equifax 's Willful Neglect, Failure to Investigate, Provide Required Documents, and Compensation for Credit Damage I am writing to dispute Equifax 's willful neglect, failure to investigate, provide necessary documents, and compensate for the damage caused to my creditworthiness and reputation. Their actions have also violated my rights under the GLBA, FDCPA, and FCRA regulations. 
Equifax has displayed a willful neglect of their responsibilities by failing to conduct a timely and thorough investigation into the alleged debts. Despite my repeated requests, they have not provided the necessary documents and have continued to request identification that I have already provided, resulting in unnecessary delays and hindrance to the resolution process. 
This willful neglect has resulted in significant harm to my creditworthiness and reputation, causing distress and impeding my ability to access credit in good faith. I firmly believe that I am entitled to fair compensation for the damages incurred as a direct result of Equifax 's negligent handling of my credit information. 
I kindly request your immediate intervention to ensure Equifax 's compliance with the law. This includes a thorough investigation, provision of necessary documents, and appropriate compensation for the significant damage caused to my creditworthiness and reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
Unauthorized charge went through and vendor sent product which was returned for refund. Vendor did not refund and I disputed the charge. Both bank and vendor have refused to cooperate. Vendor insists bank must be on the line ( but they hang up when bank announces attendance ) Bank says the matter is closed and refuses to communicate with me. This has been ongoing since XXXX XXXX XXXX, and I am hoping your intervention will resolve this matter. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credit Corp Solutions Inc.
State: NC

Complaint narrative:
Today XX/XX/2023 I was contact by a young lady at credit corp solutions. He woke me up at a little after XXXX XXXX. They immediately went into their debt spew and how I was to pay. I asked for a validation of debt and they agreed to send it in email. Once they said it was sent I never received said email to both my inbox or spam. I told him once I get the validation of debt and I can confirm the debt I would call him back ( same day ). I also explained to him that I was trying to wake up still and he wouldnt take no for an answer. He kept telling me no I was stay on the phone and go over the debt with him. He continued saying no I was to stay on the phone with him no less than 15 times. Once I finally told him I was just going to get off the phone he told me he would contact my place of employment ( no longer where I work ). So I kept looking for the email and finally he hung up and immediately called me back. I stayed quiet and he said ok we will contact your place of employment. Then I hung up on him. He immediately called me back and said fine I will call your place of employment. 
I have included a screenshot of the amount of times they have called. The first is a spoofed number of theres then the actual numbers belonging to them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Persolve, LLC - Legal - Series 2
State: CA

Complaint narrative:
In 2020 during Covid I was working with A debt consolidation company named " XXXX '' to pay down my credit card debts however due to how the payments were set up a credit card was sent to collection. XXXX, the credit card company, was in talks with XXXX and was sent to collections and there was an agreement made with the Collections company XXXX. However, there was confusion in the contract because the name of XXXX was later found to have changed to XXXX Bank. In the contract, I was told that the collection would be removed once paid. However, once all the payments were finalized, I reached out to both of the companies and they both are saying they can not remove the collection. No action was taken on either part.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, *Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: NJ

Complaint narrative:
I had a fraudulent credit card opened for XXXX XXXX in the amount of {$1200.00}. When I disputed this I submitted documentation from the FTC as proof that this account is fraudulent and they refuse to remove this from 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