vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: AFNI INC.
State: NY

Complaint narrative:
Pursuant to 18 USC 8, owe no debt. This company is violating my consumers right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I received a notification that my credit score dropped a couple points and when I checked my credit monitoring account there was two accounts from Portfolio Recovery A in the amount of {$980.00} and {$420.00} ( opened XX/XX/2020 ) from XXXX XXXX credit card company. I currently have two XXXX XXXX credit cards in great standing and has never had any others. This is not my debt and I would like it remove from my name and social security number asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: MO

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-17 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: CT

Complaint narrative:
I've been getting denied for housing and employment. I decided to finally decided to sign up with a credit report and monitoring service. Thats when i seen a bunch of addresses, a name, accounts, collections, inquiries and many other inaccurate items on my reports.I then received a fraud alert to that my personal information has been compromised and has been found on the dark web. Its been found in a XXXX XXXX XXXX and other data breaches. I didnt understand what that is so I went on a few consumer law attorneys websites and they said that the law says that its credit reporting agencies duty to report only 100 % accurate information, or they can be held accountable. I sent one a copy of my report and they said WOW this is horrible. My report is filled with inaccuracies and accounts that are not mine. They then pointed me to this website because this is a bad situation for me and my kids. We can not find housing and I am running out of time and this is holding me back from moving and getting my family into a better life.Ive also filed a report with FTC I dont understand how this is happening My reports are very inaccurate The only name that should be on my report is XXXX XXXX XXXX The only address should be XXXX XXXX XXXX XXXX, CT XXXX. Also I didnt give any of these companies permission to pull my credit report. I didn't make the inquiries thats shown. XXXX XXXX  XXXX XXXX , US DEPARTMENT OF EDU, XXXX XXXX XXXXXXXX XXXX These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX, There are also accounts in collections that i dont recognize. I've never had an account with any of these companies and they are reporting false information. 
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 2023-05-17 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: CT

Complaint narrative:
I've been getting denied for housing and employment. I decided to finally decided to sign up with a credit report and monitoring service. Thats when i seen a bunch of addresses, a name, accounts, collections, inquiries and many other inaccurate items on my reports.I then received a fraud alert to that my personal information has been compromised and has been found on the dark web. Its been found in a EQUIFAX DATA BREACH and other data breaches. I didnt understand what that is so I went on a few consumer law attorneys websites and they said that the law says that its credit reporting agencies duty to report only 100 % accurate information, or they can be held accountable. I sent one a copy of my report and they said WOW this is horrible. My report is filled with inaccuracies and accounts that are not mine. They then pointed me to this website because this is a bad situation for me and my kids. We can not find housing and I am running out of time and this is holding me back from moving and getting my family into a better life.Ive also filed a report with FTC I dont understand how this is happening My reports are very inaccurate The only name that should be on my report is XXXX XXXX XXXX The only address should be XXXX XXXX XXXX XXXX, CT XXXX. Also I didnt give any of these companies permission to pull my credit report. I didn't make the inquiries thats shown. XXXX XXXXXXXX XXXX XXXX XXXX US DEPARTMENT OF EDU, XXXX XXXX XXXX XXXX These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX There are also accounts in collections that i dont recognize. I've never had an account with any of these companies and they are reporting false information. 
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 2023-05-17 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: Westlake Services, LLC
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights. under USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666 B a creditor may not treat a payment on a credit card account on 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 explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX

Complaint narrative:
On XXXX XX/XX/2023 I went to a MoneyGram service located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, to send money to an old friend of mine living in XXXX who needed help with her rental payment. Tracking number XXXX. 
I sent her XXXX for which they charged me XXXX as sending fee. 
Next day my friend went to collect the money and was told that there was a problem with the transference, which was no true. 
For some reason they never explained. They just retained my money, and first, lied to my friend and second, they said to me they can not reimburse my money and I will have to fill out some forms to release it. 
It was the first time I used this service here in the USA and got completely shocked. It was only XXXX XXXX and now I'm been treated like a criminal. Actually I feel this is a discrimination act because I'm a XXXX XXXX who's seaking XXXX, and now they are asking information which I consider is not their concern, first of all because they never answered when I went to sent the money. 
I filled a claim # XXXX on the web and someone from global support answered apologizing and giving me instructions to go to the store with a valid ID and call MoneyGram from there to release my money. 
Surprise, it was not released and some lady on the phone told me if I want my money back, the only way is to fill out some forms that she will send to my email or I will lose my money. 
I have already expend more money in gas going to the store to claim the money than the XXXX I sent. 
My complain is about their abusive policy and the discrimination act with the XXXX comunity. They have done this to many XXXX people afraid of claiming their rights. But I'm not afraid because I'm doing nothing illegal, I know I have rights as a person and as a customer, that's one of the reasons that made me come to this free country. I'm not willing to stay calm. In any other way I intend to recover my money which they have kidnapped. 
I will much appreciate your collaboration with this claim. 
Thanks in advance XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: NY

Complaint narrative:
I am writing this letter in regards to the XXXX XXXX XXXX XXXX on my credit file. I am requesting a copy of the original agreement and original contract from the creditor with my signature that shows that I agreed to the terms and agreement provided by XXXX XXXX for the account above. This is not a request for a debt validation letter, but a copy of the original agreement that was signed when this account was created. If there is no legal contract binding me to any terms and agreements set forth by XXXX XXXX XXXX XXXX XXXX  and if you can not furnish an original agreement, please permanently remove this account from my Equifax credit file as there is no proof that legally I signed an agreement with XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio
State: CA

Complaint narrative:
I called the company today as I never received a call nor a letter to allow me to dispute this. Was told by the lady that answered the phone that they do not have to send a notice and can just place this on my record. Sent this to an address that I no longer reside at. I have no proof that this is my debt from 2017 and they are now trying to collect on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: Medical Data Systems, Inc.
State: NV

Complaint narrative:
Greetings, 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. This account from MED DATA SYS XXXX ( Alledged balance of 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.

I have reason to believe that this debt is invalid as I was never hospitalized in 2022, and upon calling I was unable to inquire about this due to HIPAA regulations. However as someone who allegedly owes a debt, I am entitled to an investigation and a debt validation provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VW Credit
State: OR

Complaint narrative:
I paid off my loan with VW Credit on XX/XX/2023. 
Account # XXXX. 
Financed vehicle VIN is XXXX. 
They refuse to provide my title. It's been 51 days and counting. They refuse to answer questions about when I can expect to receive my title. 

It's not like I want the title to put it in my filing cabinet. I am trying to sell the car and this inexplicable and unnecessary delay is costing me hundreds of dollars. What do I have to do to get my title?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Paid check XXXX XXXX in the amount of {$7000.00} dated XX/XX/2023 the check was returned. 
It clearly stated the loan address of XXXX XXXX XXXX ; loan account number XXXX. 

Also, other payments have been misapplied as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
TSI is trying to collect a debt that was never owed. XXXX, XXXX, the original company charged me for items they say were not returned, but they were returned and I have proof. Or the " debt '' is for something else. I do not know because it was never established, why the debt was owed in the first place.I have responded on their website that they need to send me proof, unpaid invoices etc but they ignore that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: IN

Complaint narrative:
I have requested incorrect information to be verified and proof of the verification process 3 times. I have asked for information to be corrected 3 times by certified mail. The information is still incorrect and still comes back verified. This is my final attempt to correct such inaccuracies before I take legal action.

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 2023-05-17 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: IN

Complaint narrative:
I have requested incorrect information to be verified and proof of the verification process 3 times. I have asked for information to be corrected 3 times by certified mail. The information is still incorrect and still comes back verified. This is my final attempt to correct such inaccuracies before I take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-05-17 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: OH

Complaint narrative:
This is my 3rd complaint after not getting results. After the 1st complaint, CRA 's claim a thorough investigation was done. I do not see how with some many inaccuracies still listed. Date opened, Date last reported, addresses that never belonged to me, duplicate accounts reporting more than once that shouldn't be there at all.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. 
after my second complaint was told I did not present enough evidence. It was hard with XXXX XXXX from a car accident that I wouldn't of been in if my report was fixed and I didn't have to buy a used {$1200.00} car with bald tires. It is ridiculous the responsibility these companies have and do not take seriously. They ruin lives. People must find time in their busy lives to go after the CRA for not following laws. 
While trying to upload my credit report I marked violations on it as too large of a file. But every I want to print my report I have to print 50-60 pages and it's still hard to read. Probably a purposely done deterrent. I had to separate my credit into 6 different scans so files weren't to big. Ridiculous!

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 2023-05-17 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: NC

Complaint narrative:
I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
I am the Executor of the Account in Question : originally I was told it would take 30 days to close this account. The explanation given was : " our backroom processing was behind in the closing processes ''. This was XX/XX/23, I explained to the Bank Officer/Notary that the account was only earning .10 % with an amount of {$180000.00} and the beneficiaries would like to have the money in a higher earning account. She said she would push the process along and we could expect the check in about 3 weeks. XXXX XXXX XXXX was the Officer. I called the Cust. Service number and went thru the entire process with another person for over 45 minutes. She said that the paperwork was misplaced and she would get it processed asap. ( XX/XX/23 ), our line was disconnected and I never heard back from her. XX/XX/23, still haven't rec 'd funds! Called a branch in XXXX, spoke with a wonderful banker there, XXXX, she told me that the branch dept. still hadn't processed our claim. XXXX was very helpful and assured me that she would personally finish this transaction and send the funds asap. After having spent 26 years in Banking myself, I find that the initial Banker involved should have taken the same tact and followed this request with the same attitude as XXXX. XXXX if you have questions!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: TX

Complaint narrative:
I would like to file a claim against XXXX, Equifax, and XXXX to remove in correct information from my credit report. I file a dispute through XXXX to remove information from my credit report that's not correct XXXX XXXX XXXX responded stating that all information was removed and requested XXXX, Equifax, and XXXX to remove the same information as well. However, all of the incorrect information still remains. 

Therefore, they are in violation of the following 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

Company response to consumer: Closed with non-monetary relief