vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: MECHANICS BANK
State: IL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREIDET REPORTING ACT XXXX XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS. 

15 USC 1681 SECTION 602 STATRS 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 MAT NOT TREAT A PAYMENT ON A CREIDET CARD OR LOAN ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR PURPOSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
XXXX account # XXXX XXXX account # XXXX XXXX  XXXX account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX ACCOUNT XXXX XXXX  account # XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX file XXXX XXXX 15U.S.C. 1681 Section 602 A states that I have the right to privacy 15U.S.C. 1681 Section 604 A Section 2 also states that 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 2022-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waterfall Revenue Group
State: NJ

Complaint narrative:
PURSUANT 15 USC 3002 I AM A NATURAL PERSON MEANING MY ALL CAPS NAME ISNT ME BUT IS MY PROPERTY. MY NAME IS XXXX XXXX and I am the executrix of my estate in the name XXXX XXXX. Whereas I believe them to be a debt buyer, WATERFALL REVENUE GROUP, must operate under the FDCPA. I am requesting all DOCUMENTARY EVIDENCE including all ledgers, books of accounts, correspondence, and financial and corporate records that pertain to account XXXX. Failure to provide such documentary evidence is a clear violation of 12 cfr 1026.13 ( a ) ( 6 ) as I am invoking my right to obtain it in accordance with 15 usc 44. Notice it is a fact that I also have never given written or oral consent for this account to be furnished on my consumer report, whereas that is a violation of 15 usc 1681 ( a ) ( 4 ) because I have a right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: NV

Complaint narrative:
My loan servicer Aidvantage emailed me on XX/XX/XXXX to inform me that my student loan payments will resume XX/XX/XXXX even though the federal pause on student loan payments does not end until XXXX of XXXX. I tried calling them but I have still not been able to speak to anyone about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: CA

Complaint narrative:
I have sent many letters, I have tried challenging the erroneus reporting, I have shown how inaccurate the reporting is across all 3 bureaus at least 5 times now and each time the bureaus use their automated system and somehow the creditor verifies it. How can it be accurate if it is not the same across all 3 bureaus?! How can I have different open and close dates, different payment statuses? I paid this account in full in XX/XX/XXXX as part of a settlement agreement. The account was never charged off or sent to collections. Every month they add a new random remark thus dropping my score even more when this was done in XXXX and there should be NO MORE reporting EVER past XX/XX/XXXX when it was paid and closed in full! This is completely against my consumer rights that no one cares that it is not reporting correctly when I point out blatantly inconsistent reporting! NO remarks/no reporting, no anything should have been reported past XXXX XXXX! Low and behold I log into my XXXX reporting and XXXX XXXX has added a new payment status : 120 days past due. Thats weird since it was been PAID SINCE XXXX! Incompetent and unacceptable! And how can they say this was charged off and sent to collections when it never was?! Which has also been one of their status updates! I did a settlement well before my account ever got to that point! Their own letter states that this will be updated as paid as agreed! So why is one bureau showing my CURRENT payment status as 120+ days past due and another bureau showing in collections/charge off if it is PAID! At this point I feel all of their reporting is malicious and I will sue if this is not 100 % correct or deleted from my reports in entirety. XXXX XXXX has bullied me enough the last 6 months with their poor reporting. As you can see by lying on their reporting as of TODAY XX/XX/XXXX and deciding to randomly go in and do a status update they stated my account is 120 days past due as the current payment status and it has yet again dropped my score XXXX points today?! Absolutely ridiculous. It needs to be corrected TODAY!

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 2022-05-04 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: CA

Complaint narrative:
I have sent many letters, I have tried challenging the erroneus reporting, I have shown how inaccurate the reporting is across all 3 bureaus at least 5 times now and each time the bureaus use their automated system and somehow the creditor verifies it. How can it be accurate if it is not the same across all 3 bureaus?! How can I have different open and close dates, different payment statuses? I paid this account in full in XX/XX/XXXX as part of a settlement agreement. The account was never charged off or sent to collections. Every month they add a new random remark thus dropping my score even more when this was done in XXXX and there should be NO MORE reporting EVER past XX/XX/XXXX when it was paid and closed in full! This is completely against my consumer rights that no one cares that it is not reporting correctly when I point out blatantly inconsistent reporting! NO remarks/no reporting, no anything should have been reported past XXXX XXXX! Low and behold I log into my Equifax reporting and XXXX XXXX has added a new payment status : 120 days past due. Thats weird since it was been PAID SINCE XXXX! Incompetent and unacceptable! And how can they say this was charged off and sent to collections when it never was?! Which has also been one of their status updates! I did a settlement well before my account ever got to that point! Their own letter states that this will be updated as paid as agreed! So why is one bureau showing my CURRENT payment status as 120+ days past due and another bureau showing in collections/charge off if it is PAID! At this point I feel all of their reporting is malicious and I will sue if this is not 100 % correct or deleted from my reports in entirety. XXXX XXXX has bullied me enough the last 6 months with their poor reporting. As you can see by lying on their reporting as of TODAY XX/XX/XXXX and deciding to randomly go in and do a status update they stated my account is 120 days past due as the current payment status and it has yet again dropped my score XXXX points today?! Absolutely ridiculous. It needs to be corrected TODAY!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened this account with Suntrust in XX/XX/2021, with the banker XXXX XXXX at XXXX XXXX XXXX, XXXX, FL XXXX. Since that date has been impossible to enroll in online banking, first with Suntrust and now I received the new visa debit card Truist. I tried to enroll on the new online banking page and is the same issue. 
I put the debit card number, my pin, zip code and email address. Also I tried to reach the bank by ustomer service, I was verified with the pin but that is not enough for them and they are unable to send me a SMS code to the number registered with the bank XXXX XXXX XXXX A long time ago the bank gave me the security word and even that is not possible to enroll.

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 2022-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: TX

Complaint narrative:
XXXX XXXX ( ) said that there are no upfront fees for the service they provide. They are paid by receiving a portion of the reduced settlements they negotiate on your behalf. I recently cancelled by account with them, because I didn't feel like they were actually getting results. Upon cancellation they informed me that I would receive the funds in my deposit account in 14 business days. I spoke with them on XX/XX/2022. I have yet to receive my funds as of XX/XX/2022 and when I checked my account with their partner Global Holdings LLC ( XXXX ) There is a small amount of the money that was being deposited with them left in my account. They claimed to have made a payment to one of my creditors ( XXXX XXXX XXXX ) on XX/XX/2022. According to my most recent credit report dated XX/XX/2022, there have been no payments made to XXXX XXXX XXXX. Some other payments are showing to a creditor ( XXXX XXXX XXXX ) that I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
XXXX  Account # XXXX, Acoount # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX has violated my rights. 

15 USC 1681 section 602 A 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 accounts 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 2022-05-04 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
XXXX  Account # XXXX, Acoount # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX has violated my rights. 

15 USC 1681 section 602 A 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 accounts without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: CA

Complaint narrative:
This is the response that I received from Equifax concerning my dispute on complaint # XXXX : The identification information you provided does not match our records. In order to properly assist you, we will need additional information in order to verify your identification and current address. Please provide a legible photocopy of a valid document that shows your name, current address and complete social security number. Listed below are examples of documents that may be provided as verification of your identification and current address : Pay stub or W2 with complete U.S. social security number, valid social security card, Driver 's license, rental/lease agreement/house deed, mortgage or bank statement, utility bill for gas, cable or residential telephone bill. Please return this letter along with the requested information to Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX. 

The original complaint was : I contacted Equifax to dispute inaccuracies on. my credit report with the following inquiries : XXXX XXXX XXXX  XXXX XX/XX/XXXX- This inquiry was solicted as a soft pull by XXXX  XXXX to see which Business credit card I quailifed for. The social security number was requested as a means to identify me and for the XXXX XXXX  which was not factual! XXXX - Card Service XX/XX/XXXX -This inquiry was solicted as a soft pull by XXXX XXXX to see which Business credit card I quailifed for. The social security number was requested as a means to identify me and for the XXXX XXXX which was not factual XXXX XXXX  XX/XX/XXXX - This inquiry was solicted as a soft pull by XXXX  XXXX to see which Business credit card I quailifed for. The social security number was requested as a means to identify me and for the XXXX XXXX which was not factual

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX ; XXXX  Account # XXXX ; XXXX 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 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 2022-05-04 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 accordance with the Fair Credit Reporting act XXXX Account # XXXX ; XXXX Account # XXXX ; XXXX FCU 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 written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: NV

Complaint narrative:
Called to try to set up a payment arrangement to help pay off a debt on my credit report, I paid {$100.00} to start the payment arrangement. Was told I needed to pay full balance by the XXXX of XXXX otherwise they wouldnt delete it off my credit. Was harassed and they were trying to force me to pay the full amount. Saying if I dont they will not take it off my credit at all. Continued to Harass me and when I mention going to court they hung up on me. I didnt get a confirmation number for my {$100.00} payment all they gave me was their names, XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
I refinanced with capital one auto XXXX of XXXX. I gave them all required documents documents even had an attorney help me to get a paper notirized by my ex husband. I refinanced so I could remove him off the registration and so I could sell my vehicle. It has now been 8 months and they are saying they have not received the title from the previous lienholder which was XXXX XXXX. After talking to XXXX they told me they released that electronically the week I refinanced. I have called every mo th and week and I still get the same answer and run around. I called them today XX/XX/XXXX for them to tell me they tried to get a hold of previous lien holder and had no luck. In the meantime I went to the dmv and they said that ally bank is listed as my lienholder. Meanwhile I am paying capital one for my auto loan but they have not given a new title to the dmv. I can not trade in my car or sell it since my ex husband is still on the registration. There is no Manger to talk to and they just keep putting in emails saying I will get a call back and never do. Capital one says they don't except electronic titles but there is nothing I can do. I just read under consumer report that many other people were experiencing the same frustration with them saying they don't have the title. Some people have been going through this over a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

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

15 U.S.C 1681 section 302 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 2022-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
On XX/XX/2022 I made a transaction for a local dumpster company to be shipped, but the order couldn't be fulfilled and I requested a refund on XX/XX/XXXX. 

Because I noticed that the refund did not reflect on my account yet, on XX/XX/2022 I called Aspire at XXXXXXXX XXXX  XXXX XXXX and I was told that the refund is on the account as a credit but was not applied yet. ( This conversation is recorded ) After the entire month of XXXX, nothing still wasn't applied. So today XX/XX/2022 I reviewed all the statements and transactions for XXXX and XXXX to double-check to see if the refund was applied before I called Aspire again and it was not found. 

I call Aspire on XX/XX/XXXX, and they told me that the credit was applied on XX/XX/2022. 

How is that possible if on XXXX the XXXX the employee told me on XX/XX/2022 that it was not applied yet? 

The employee also went on to tell me " maybe because I had a lot of transactions that I was unable to notice the refund ''. 

I check my balance every time before I spend, so I would have noticed if {$340.00} was put back on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: CA

Complaint narrative:
Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below is erroneous. I did not incur any late payments. Ive made every payment paid on time. You did not proofread the report and did not make sure it was 100 % correct. Here are the details : XXXX XXXX XXXX/ {$360000.00} / XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below is erroneous. I did not incur any late payments. Ive made every payment paid on time. You did not proofread the report and did not make sure it was 100 % correct. Here are the details : XXXX XXXX XXXX/ {$360000.00} / 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 2022-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below is erroneous. I did not incur any late payments. Ive made every payment paid on time. You did not proofread the report and did not make sure it was 100 % correct. Here are the details : XXXX XXXX XXXX/ {$360000.00} / 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 non-monetary relief