vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-20 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: AZ

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. 

XXXX XXXX XXXX Account # XXXX This account has violated my rights!!!!!!!

15 U.S.C 1681 section 602 ( A ) States I have the right to privacy 15 U.S.C 1681 section 604 ( A ) section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX, XXXX, and TransUnion violated my consumer rights and privacy act under the Fair Credit Reporting Act by fraudulently placing this account in all three of my credit Bureaus. This account is also undergoing litigation for deceptive practices which are listed by the creditor XXXX and XXXX XXXX XXXX for the amount of {$1600.00} starting with acct # XXXX. 

According to USC code 1695, USC code 1681, ( A ), and subsection ( B ) which states any directly or indirectly issuance of credit shall immediately be removed from the consumer 's credit report followed by my FDCPA. These accounts are inaccurate and are in civil litigation. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor did not verify to be valid and not fraud practices. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must Note that the collector has to stop all collection activities until it can provide all the evidence and remove all such directly or indirectly account from my consumer 's credit report. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed Inability to show the slightest evidence, the creditor must stop all collection activities and delete the collection account from my credit report. These accounts are in civil litigation against the credit bureaus for fraudulent and unauthorized deceptive practices being committed on their behalf.

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 2022-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Netspend Corporation
State: NY

Complaint narrative:
To whom it may concern My name is XXXX XXXX and I'm extremely upset on how Netspend has made a error and now won't fix their mistake. On XX/XX/XXXX I made a transfer to my actual bank account of {$3700.00} and I have proof because I took screenshots and it said it will be available XX/XX/XXXX and said I only had a balance of {$100.00}. The next day my XXXX XXXX was hacked where {$2200.00} was moved to a wan na be XXXX XXXX and it the subject they put my I got you. I was sleeping when this hack happened. I noticed in the morning and called netspend right away. Im a victim of fraud and now no one can assist me. I saw recently that a XXXX XXXX was hacked and a lot of customers were hacked and money stolen out of their account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: VA

Complaint narrative:
CONSOLIDATED XXXX LOANS WITH XXXX XXXX. CREDIT REPORTS HAVE NOT BEEN UPDATED BY EITHER EQUIFAX XXXX OR XXXX CREDIT BUREAUS OR XXXX. MY ACCOUNTS FOR XXXX ARE STILL DISPLAYING OPEN AND CURRENT. ACCOUNTS WITH XXXX ARE PAID AND CLOSED. BALANCE NOT REFLECTING {$0.00} BALANCE FOR XXXX XXXX XXXX OR XXXX. XXXX XXXX XXXX ACCOUNT PAID IN FULL IN THE AMOUNT OF {$250.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX LOANS WITH XXXX XXXX. CREDIT REPORTS HAVE NOT BEEN UPDATED BY EITHER XXXX EXPERIAN OR XXXX CREDIT BUREAUS OR XXXX. MY ACCOUNTS FOR XXXX ARE STILL DISPLAYING OPEN AND CURRENT. ACCOUNTS WITH XXXX ARE PAID AND CLOSED. BALANCE NOT REFLECTING {$0.00} BALANCE FOR XXXX XXXX XXXX OR XXXX. XXXX XXXX XXXX ACCOUNT PAID IN FULL IN THE AMOUNT OF {$250.00}.

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 2022-04-20 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: SC

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. 
XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I had XXXXXXXX XXXX prior to Wellsfargo and always received my paycheck 2 days early because of direct deposits. Since opening and using Wellsfargo my direct deposits no longer come in 2 days early and the bank also lied to me that nothing was sent. My employer, XXXX always transmit direct deposits every other Wednesday in the morning and clear in accounts by no later than XXXX. I also received confirmation of the transmission. Yet Wellsfargo keeps lying to me and saying nothing was sent. I truly believe they are holding my direct deposit as a means of gaining interest on the money and I am filing this formal complaint against WELLSFARGO BANK

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 2022-04-20 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: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I HAVE NUMBER OF TIMES ASK SHELLPOINT MORTGAGE TO CORRECT MY MONTHLY PAYMENTS TO THE CORRECT AMOUNT. {$1300.00} IT IS NOT {$1600.00} SHELLPOINT MORTGAGE ACCT XXXX ALL 3 CREDIT AGENCY MUST BE CORRECT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: KLS Financial Services, Inc
State: NC

Complaint narrative:
Dispute Alleged medical debt with KLS financial prior. They sent me a fast med form which break my hippa rights. I had insurance so they should have been covered anyway. This alleged debt was from XXXX. They had a collection on my XXXX since XX/XX/XXXX. They update it every mth as unpaid but it was an old collection and it states disputed. Since it was and old collection I left it however as of XX/XX/XXXX KLS have re aged the collection to say the date assigned was XX/XX/XXXX. This makes it appear as new collection thus hurting my credit and unfair. I have disputed it with XXXX but KLS are using unfair practices.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: FIRST UNITED BANK AND TRUST COMPANY
State: TX

Complaint narrative:
First of all I would like to address a few issues here. Previously there was a dispute submitted for fraudulent charges on this First United Bank Checking for a XXXX Later I worked with that merchant after XXXX it to obtain the funds back from the fraudulent charges. First United Bank closed the dispute and told me no error occurred. When truly an error did occur. Secondly there was other fraudulent charges which required a dispute for a XXXX XXXX XXXX, XXXX XXXX. These were properly disputed as fraudulent transactions. At that time I worked for First United Bank. There motto is spending life wisely. I was fired from the company for filing these disputes. There were two other disputes filed which I cancelled. Which I showed proof I cancelled. This was done through online banking. They then proceed to advise me thats against their business policy to file disputes on transactions not valid on a checking account and terminated me. The following day I emailed in to make sure the disputes were cancelled. First United bank then proceeds to cancel ALL disputes including the fraudulent charges which then made my account have a negative balance of over {$6200.00} and then expected me to pay that back. When I wrote back in to ask why this was charged this way I was told they cancelled all disputes ( including the fraud ) and that I owed that back. Then they charged off my account. No where in their policy does it say you can not file a dispute on your own checking account as an employee. I do not feel I was fairly terminated. I do not feel I owe {$6200.00} either. The bank does a lot of shady things, they grant access full access to their it department to employee accounts / payroll and even lending. They discriminate against people who are victims of Identity theft and mismanage accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: FL

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2022-04-20 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: FL

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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 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 XXXXXXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
Speaking succinctly, I have had issues with Nationstar doing business as a debt collector as Mr. Cooper since they have had my loan! Having spoken with knowledgeable, reliable lawyers who are involved in a suit with them representing many former mortgagees who have lost their homes to foreclosure by the named company 's above, I am not going to let them do that to me! I have been with them since 2008 but not by choice! They bought out my former mortgage company! There are many issues! # 1, there is no clear monthly division of loan payments shown in the std format of amounts to : principal, interest, escrow, and declining loan balance!! I requested all of mine dating back to 2008 and in many years, there were very few amts applied to principal! Escrow always runs a deficit due to 2 deductions for taxes a day apart or the same day! My total loan balance would go down only to go back up several thousands of dollars! I have asked questions many times without concrete answers! I will be happy to share the name of an atty in XXXX, Illinois who has filed suits on them for property owners who lost their homes due to foreclosures by the above named entity! They are attempting to do the same thing to me! Please find my attempts to resolve my issue below!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: FL

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-20 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: FL

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
I was checking my XXXX credit report and found they placed a bad credit on my account Security Credit services. Said it was a lease agreement. I haven't had a lease agreement in more than XXXX XXXX. They stated it was for XXXX or somewhere in that area. I ask in my dispute for signature or contract or anything saying I signed and received what ever they say I leased. I had my card hit several times this year.they didn't even contact me to see if it was mine. I didn't even get a contrac

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EMCC Holdings, LLC
State: NY

Complaint narrative:
i have contacted this collection agency and told them that this account was never mine. my personal information was used without my consent. i need this fixed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: IN

Complaint narrative:
The credit bureaus say they have completed an investigation and have verified these inquiries. I have no idea how because these are not my inquiries. 
This is Inaccuracy and false reporting. And they are really hindering my credit report. 
TO WHOM THIS MAY CONCERN PLEASE HELP!! 

XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX  Mortgage Companies XX/XX/XXXX XXXX Finance/Personal XX/XX/XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX XXXXXXXX Mortgage Reporters XX/XX/XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Credit Union 1 Credit Unions XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX XXXX Miscellaneous XX/XX/XXXX XXXX Bank XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - Mortgage Reporters XX/XX/XXXX XXXX Mortgage Solutions Mortgage Brokers XX/XX/XXXX XXXX XXXX Mortgage Companies XX/XX/XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX All Banks XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: IN

Complaint narrative:
The credit bureaus say they have completed an investigation and have verified these inquiries. I have no idea how because these are not my inquiries. 
This is Inaccuracy and false reporting. And they are really hindering my credit report. 
TO WHOM THIS MAY CONCERN PLEASE HELP!! 

XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX  Mortgage Companies XX/XX/XXXX XXXX Finance/Personal XX/XX/XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX XXXXXXXX Mortgage Reporters XX/XX/XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX Credit Cards XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX XXXX Miscellaneous XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - Mortgage Reporters XX/XX/XXXX XXXX Mortgage Solutions Mortgage Brokers XX/XX/XXXX XXXX XXXX Mortgage Companies XX/XX/XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX All Banks XX/XX/XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX XXXX - XX/XX/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 2022-04-20 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: KS

Complaint narrative:
They didn't listen what I said to them went I talked to them on the telephone i told Equifax that they need to fixes both of of The back ground record and credit bureaus reports to didn't listen what I said to them on the telephone calls so I try to fixes my credit bureaus reports lots of times on the telephone call for a Yearly & or more or so And I try to solves All My problems with My credit bureau reports about ever things on my bad credit card account off My bureau reports & My back ground record and XXXX XXXX and XXXX XXXX credit bureau reports And XXXX XXXX credit bureau reports & XXXX XXXX back ground record to & I won't Equifax to fixes both of us credit bureaus reports XXXX XXXX and XXXX XXXX credit bureaus reports And XXXX XXXX back ground record to be fixed for back ground record and my credit bureaus reports to

Company response to consumer: Closed with explanation