vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-22 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 accordance with the Fair Credit Reporting act 1XXXX XXXX XXXX acct XXXX XXXX 2.XXXX XXXX XXXX  acct # XXXX 3.XXXX XXXXXXXX acct # XXXX 4XXXXXXXX acct # XXXX have violated my rights. 

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

15U.S.C 1681 section 604A. 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 2022-04-22 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: MD

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 confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX has violated my rights Opp Loans XXXX has violated my rights XXXX XXXX  XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX XXXXXXXX XXXX XXXX has violated my righ

ts 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 explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: UT

Complaint narrative:
This was removed from my credit report in the past ( but under a different name ) - the original creditor was XXXX XXXX. More recently, this company Portfolio Recov Assoc added back the collections account to my credit report and continues every other day harassing me with phone calls. They NEVER sent anything to me prior to putting this on my credit report and do not even know the history of my account. I told them this and they sent me the last few statements from XXXX XXXX which show no account history. They are unaware this was solved in XXXX and 4 years they continue to harass. They are unaware this is from chargeback activity that was approved, that much later appeared again. XXXX rules even state max liability is {$50.00} if that was/is the case- do i really need to speculate with a speculative shady account that reappears under a new name when removed from the major credit reports. They have caused harm to my credit file that is quite substantial and have done so in an illegal way. Copy provided to State Attorney General and this is a similar case that CFPB has against XXXX XXXX ( one of their sister companies ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: MI

Complaint narrative:
TRANSUNION is falsely reporting information on my account that I never gave consent to share, and further more I never gave consent to the companies that are reporting collections accounts to these bureaus. I've sent certified written communications to all parties involved and they continue to harass and violate my rights to privacy.

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 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I HAVE CONTACTED TRANS UNION SEVERAL TIMES REQUESTING FRAUDULENT INFORMATION ON MY REPORT BE REMOVED. I AM A VICTIM OF IDENTITY THEFT AND IVE TAKEN THE PRECAUTION OF ADDING A FRAUD ALERT AND PHONE NUMBER ON MY CREDIT FILE. THIS HAS NOT HELPED ANY AS SOMEONE CONTINUES TO USE MY PERSONAL INFORMATION TO KEEP APPLYING FOR CREDIT WITHOUT MY CONSENT. 
THERE ARE SEVERAL FRAUDULENT INQUIRIES ON MY FILE THAT NEED TO BE REMOVED IMMEDIATELY. I HAVE REQUSTED DISPUTE INTO THESE FRAUDULENT ITEMS MANY MANY TIMES AND TRANS UNION HAS NOT EVEN RESPONDED TO MY DISPUTE OR REQUEST FOR THE ITEMS TO BE REMOVED. THIS IS A VIOLATION OF MY RIGHTS UNDER THE FCRA.

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 2022-04-22 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: WA

Complaint narrative:
XXXX XXXX ACCOUNT XXXX XXXX is 30 days late on my credit report On XX/XX/2017. 

This is a false claim as this payment was not 30 day late.

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 2022-04-22 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: WA

Complaint narrative:
XXXX XXXX ACCOUNT XXXX XXXX is 30 days late on my credit report On XX/XX/2017. 

This is a false claim as this payment was not 30 day late.

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 2022-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have an auto loan with BofA that I refinanced in XX/XX/2022. 
The check was sent to BofA from XXXX XXXX and was supposedly cashed by BofA on XXXX. The funds were never applied to my outstanding auto loan. 
I have been going back and forth with both companies spending countless hours and time trying to resolve this and have had XXXX luck. Im now being harassed by BofA to make payments on my loan with them even though Ive been making payments to XXXX on my new auto loan. So now Im carrying two auto loan balances and two auto loan payments for my one vehicle. 
Ive asked for research into this matter and have not received any follow up with a resolution to this matter. Ive also filed a CFPB complaint on 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 monetary relief
Consumer complaint received 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: SC

Complaint narrative:
The issue I have is for a rental property ( with tenants ) with Mortgage. During the COVID-19 pandemic, the tenants could not make rent payment so I requested forbearance due to reduction of income. Mortgage was in forbearance from XX/XX/XXXX until XX/XX/XXXX. I ended the forbearance in XXXX and resumed making regular payments ( Starting XX/XX/XXXX ) since the tenants resumed paying rent. 

I requested a deferral for the 9 payments missed during forbearance over the phone. CMG ( the mortgage company ) said they will mail me a package to review and request it officially. I signed it and sent back to CMG. After few months, In XX/XX/XXXX, I called CMG to inquire about it again since the issue was not resolved. They said they will send the official deferral agreement again. I signed it and sent back to CMG. On XX/XX/XXXX, I finally received a letter confirming the deferral agreement approval and as of XX/XX/XXXX. XXXX, my loan will reflect that I am current with all payments. The 9 missed payments during the forbearance period will be moved to the maturity date of the mortgage ( end of it ). 

Today, XX/XX/XXXX I called CMG to inquire about this issue since it doesn't show that I am current on my payments. Last statement shows over {$10000.00} due for all payments. 

I am trying to apply for another mortgage for a different property ( from a different lender ) and underwriting will not approve me without showing that I am up to date with that ( CMG Financial ) loan. Last statement from CMG shows that I am 9 months behind, I am being charged a {$35.00} late fee EVERY month ( although I am making payments monthly and on time ) and there is no evident that my loan deferral was processed at all. They did not report my on time payments since XX/XX/XXXX to my 3 credit files and I am about to lose the new house I am trying to purchase. 

I was told today that someone will call me back on Monday XX/XX/XXXX and follow up with me. 

This is extremely frustrating. Please help... 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: CA

Complaint narrative:
There is a XXXX account on my report that is not mine. I was a victim of identity theft and made a police report ( approved ). There should be no reason why this is still on there. 

My rights have been violated through the Fair Credit Reporting Act .... 

XXXX # XXXX 15USC 1681 Section 602A states I have a right to privacy 15USC 1681 Section 604A sec 2 states a consumer reporting agency can not furnish an account without my written instructions or consent.

Please honor these laws by simply deleting this fraudulent account ... this does not need to escalate to the court.

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 2022-04-22 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: CA

Complaint narrative:
There is a XXXX account on my report that is not mine. I was a victim of identity theft and made a police report ( approved ). There should be no reason why this is still on there. 

My rights have been violated through the Fair Credit Reporting Act .... 

XXXX # XXXX XXXX5USC 1681 Section 602A states I have a right to privacy 15USC 1681 Section 604A sec 2 states a consumer reporting agency can not furnish an account without my written instructions or consent.

Please honor these laws by simply deleting this fraudulent account ... this does not need to escalate to the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
The Company Paypal Inc, Allowed a fraud chargeback into my business account with them a customer doing a false claim with XXXX credit card company that my job was not completed. 

We provided all necessary information to Paypal to explain to them that we completed the job and this customer is doing chargeback fraud to my business. 

Paypal mentioned to me that on the XXXX of XXXX XXXX has no answer yet they will pay me back the money and close the case because I'm covered with merchant coverage protection we have them recorded 2 times after a 3rd call we recorded another of their employees saying that the other 2 employees they lie to me and my money will be not paid back with a rude attitude. 

If the promise was fraud protection to my business on the XXXX why did they not give my money back and stop talking the wrong way?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: GA

Complaint narrative:
This complaint to Experian was the result of their non-compliance to my request and frothier refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the FederalCredit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

Incorrect Name : XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX XXXX XXXX XXXXXXXX

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 2022-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: TN

Complaint narrative:
I have spoken with my local gym ( XXXX XXXX XXXXXXXX, TN ), they have told me there is no record on file for a debt owed, a " law office '' from XXXX, UT ( XXXX ) is calling me saying they have a file from the gym. They have stated they have sent me a record for collections, but I have not received anything. The local gym has also stated they do not use an outside credit agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.

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 2022-04-22 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: Early Warning Services, LLC
State: NC

Complaint narrative:
Early Warning, is calling completely new complaints about how they break the law frivolous. I have the proof in their own letters they break the law. 605B of the FCRA in subsection C, gives the CRA 3 reasons to decline or rescind a block requested under subsection A of this same law. Early Warning has NEVER received a complaint about this issue, through the CFPB. Yet, their letter dated today clearly shows they lied and called it frivolous. 
Early Warning has blocked the XXXX account more than 6 times, yet, against the law, they have rescinded the block when NONE of the 3 reasons the law gives them exists. Breaking the law is NEVER right, and attempting to get the law obeyed is NEVER frivolous until the law is obeyed.

Early Warning MUST provide proof beyond a reasonable doubt, that 1 of the 3 reasons allowed by 605B has occurred. None has happened, so when they rescinded the block over 6 times, Early Warning in fact is breaking the law over 6 times. Stop allowing Early Warning the ability to lie and break the law to harm me or anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft and have attached my FTC report to this complaint as verified. there are multiple student loan accounts that have been placed on my credit profile using my identity, I have never applied for any student loans nor have I ever been late on my payments to XXXX  XXXX XXXX nor XXXX XXXX credit card accounts, nor have I made an inquiry to XXXX XXXX nor XXXX, nor have I owed a debt to XXXX XXXX XXXX. 

I have never lived at XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY 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 2022-04-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/21, a XXXX transaction for {$1000.00} was initiated from my Fifth Third checking account to a person whom I don't know. I have been attempting to dispute this for 14 months with no resolution. XXXX blames the bank, and even after filing police reports, fraud affidavits, contacting XXXX, and even requesting that they provide me with documents supporting their decision that the transaction was not fraud, they will not reimburse my money unless my wireless carrier ( XXXX ) provides a written letter stating that either my phone or computer was " hijacked. '' After speaking to a dozen people at XXXX, they agreed to verbally tell Fifth Third ( via conference call w/ XXXX & myself ). We spoke to both the Office of the President at the bank, and the disputes dept and they are saying this isn't sufficient and they need a letter. It's XXXX 's " policy '' to not write letters like this. I don't know what else to do and they are just treating me like I'm trying to get {$1000.00} from them. I have been a Fifth Third customer for OVER 20 years! 
They have no evidence or documents supporting their decision, and I have sent countless documents supporting my claim.

Company response to consumer: Closed with explanation