vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-29 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights as a consumer. 

15 USC 1681 Section 602 States I have a 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 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 USC 1692 d ( c ) states that its a violation for advertisement for the sale of any debt to coerce any payment of debt.

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 2022-08-29 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights as a consumer. 

15 USC 1681 Section 602 States I have a 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 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 USC 1692 d ( c ) states that its a violation for advertisement for the sale of any debt to coerce any payment of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights as a consumer. 

15 USC 1681 Section 602 States I have a 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 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 USC 1692 d ( c ) states that its a violation for advertisement for the sale of any debt to coerce any payment of debt.

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 2022-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are inaccurate late payments on my credit report on Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights as a consumer. 

15 USC 1681 Section 602 States I have a 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 1666 B : A creditor may not treat a payment on a credit card account under 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 non-monetary relief
Consumer complaint received 2022-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: KY

Complaint narrative:
XXXX was taken from my account on cash app I called them instantly and said I did not authorize it to be sent and did not know this person and they have done nothing for 6 days now that person has been running around free time blow all my money instead of putting a hold on it till they investigate like they should have but is obvious I did not want them to have it I even called police and nothing done

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc.
State: GA

Complaint narrative:
I applied for a line of credit through the Grain XXXX. The initial process was fine, I was approved for {$1000.00} credit. I successfully made payments on time, as they were automated from the origination of the account. I did run into an issue where a couple months were not reported to the credit bureau ( XXXX ) and I was able to dispute this through XXXX and have it resolved. In XX/XX/2022, Grain implemented a new identity verification process that requires users to submit several documents ( ID, etc ) for identity verification in order to continue using the app. In the meantime, without having access to ANY of my account information - Grain still collected payments as before. I submitted verification documents which was supposed to take 5-7 days to verify, which is understandable. After over a week of my account being in " Pending verification '' status, I contacted customer support via email to report that I am still unable to access my account. This means I can not make any changes to the account from which my payments are auto-drafted and I can not access any funds available in the line of credit, while still making a regular monthly payment. I have tried several times since XXXX to contact customer support, but they are unreachable by phone and by email, they only send an automated response stating that someone will reach out, and they never do. I have a record of emails sent requesting assistance. Further reviews stating similar experiences can be found on the XXXX XXXX store for the Grain XXXX. I am at a loss because I need to close the account that is making payments, which will result in an impact to my credit score if I can not continue making payments to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: The Law Offices of Frederic I. Weinberg & Associates, P.C.
State: PA

Complaint narrative:
Agency used derogatory, XXXX and offensive language while communicating with me about a debt. 
I contacted the original credit company that contracted agency but there was no change of agency. 
Agency ( Law Offices of Frederick Weinberg & Associates ) contacted me again via phone after they were sent letter to only send communication in writing and informed of rep using derogatory and XXXX comments. 
The bank ( original credit company, XXXX ) was made aware of the tactics on more than one occasion but nothing was done to rectify the situation. The bank has a history of using companies that use these form of tactics with XXXX and XXXX debtors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights as a consumer. 

15 USC 1681 Section 602 States I have a 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 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX has violated my rights as a consumer. 

15 USC 1681 Section 602 States I have a 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 1666 B : A creditor may not treat a payment on a credit card account under 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 2022-08-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: IN

Complaint narrative:
After receiving notification of this debt I quickly asked for validation. I was not in agreement on the amount and the charges for the debt ( reasons stated below ). I sent letters to H & W and XXXX All I received was the exact same validation information from H & W and no response to my statements about the inaccuracies. 

I lived at an XXXX property ( XXXX XXXX XXXX ) from XXXX. I moved out in XXXX of XXXX and left a very clean apartment with minimal wear and tear. In the two years I lived there, the turnover for other apartments was very heavy. Every apartment that someone moved out of, got new carpet, I watched this many times. Even apartments where the tenant was there less than a year. It said pet stains but my dog was 100 % bathroom trained and there are no stains on the carpet ( as shown in my pictures ) Additionally, they charged for cleaning appliances when I personally cleaned appliances and took pictures of appliances and every room before vacating the apartment. Also, I never received anything from XXXX, although they had my forwarding address. I had no clue about this bill until a collection agency contacted me in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tri-State Adjustments, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reference : XXXX Creditor : Tri-State Adjustments, INC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Tri-State Adjustments After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2022. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail and via the Consumer Financial Protection Bureau, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account ( experian ) XXXX XXXX XXXX XXXX - XXXX late payments wrongly reported XXXX XXXX  XXXX XXXX XXXX XXXX late payment wrongly reported XXXX XXXX XXXX XXXX remove whole account or update every late payment XXXX XXXX XXXX XXXX and XXXX of XXXX  late payments wrongly reported XXXX XXXX XXXX XXXX, XXXX of XXXX late payment wrongly reported -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXXXXXX XXXX XXXX late payments wrongly reported XXXX XXXX XXXX XXXXXXXX XXXX late payment wrongly reported XXXX XXXX XXXX XXXX remove whole account XXXX  XXXX of XXXX XXXX XXXX remove whole account XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ( XXXX ) XXXX XXXX XXXX late payments wrongly reported XXXX XXXX XXXX XXXX late payment wrongly reported XXXX XXXX XXXXXXXX remove whole account or update all late payments 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 1666B : A creditor may not treat a payment on a credit card account under 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 non-monetary relief
Consumer complaint received 2022-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: NY

Complaint narrative:
received a debt collection letter XX/XX/XXXX from dynamic recovery solutions re a debt owed to XXXX. I currently have an acct with them but the acct number on the letter is not my acct number for do I have a balance with them. I called XXXX on XX/XX/XXXX to confirm no debt was owed and referred to their fraud dept where again no debt is owed. I called dynamic recovery solutions on XX/XX/XXXX to tell them I do have an acct with XXXX  but there is no balance as confirmed by XXXX  as well. I asked for the original contract with a signature, creditor information, payment history on the acct and proof of ownership. The man I was speaking with said they don't have that information. I proceeded to notify him they have 30 days to provide requested information. After researching this company it seems they are a scam of a debt collection agency trying to defraud people of debts they don't owe or debts that have expired under the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX has violated my rights as a consumer. 

15 USC 1681 Section 602 States I have a 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 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: CT

Complaint narrative:
I closed on a loan with Rocket Mortgage, for the purpose to payoff credit cards, At the time of closing, Tuesday XXXXXX/XX/XXXX, they informed me that funding would take place 3 days after, that would be Friday, Then Friday Mortgage agent XXXX XXXX informed me that the 3 days had to pass and that since it fell on Saturday that it would not take place until Monday. Checks to pay individual credit cards would be delivered via courier, which could have been done saturday. 
As of today Monday XX/XX/XXXX, there is no funding and all closing papers have been signed All the information has been misleading

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: FL

Complaint narrative:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the XXXX  you cause me.

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 2022-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
This complaint is about USAA. I bank with XXXX XXXX. I pay my house insurance bill on autopay through XXXX XXXX to USAA. This is the third time that USAA has bombarded me with late notices about this bill. The bill was paid on XX/XX/22. The payment changes from XXXX to XXXX to XXXX This must stop. I do not want to be on the phone with USAA about this bill when it is being paid on time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synovus Bank
State: GA

Complaint narrative:
On my credit report, there are 2 different amounts reported for the exact same account. I do not owe that amount of debt for a previously charged off account Synovus is trying to harm my credit report erroneously in order to harass me and make me pay more money than I owe by placing inaccurate account son my report. I have tried multiple times to dispute this with them and request proof of the debts but they have failed to provide me with any proof. The original account is being reported under # XXXX. Since I have began disputing the account, they have created the account # XXXX to add additional debt and history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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:
In accordance with the Fair Credit Reporting act XXXX  Account ( XXXX ) XXXX XXXX XXXX XXXX - XXXX late payments wrongly reported XXXXXXXX XXXXl XXXX XXXX XXXX 1-20 late payment wrongly reported XXXX XXXX XXXX XXXXXXXX remove whole account or update every late payment XXXX XXXX XXXXXXXX XXXX and XXXX of XXXX late payments wrongly reported XXXX XXXX XXXX XXXX, XXXX of XXXX late payment wrongly reported -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXXXXXX XXXX XXXXXXXX XXXX XXXX late payments wrongly reported XXXXXXXX XXXX XXXX  XXXX XXXX late payment wrongly reported XXXXXXXX XXXX XXXX XXXX remove whole account XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX remove whole account XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ( TRANSUNION ) XXXX XXXX XXXX late payments wrongly reported XXXX XXXX XXXX XXXX late payment wrongly reported XXXXXXXX XXXX XXXXXXXX remove whole account or update all late payments 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 1666B : A creditor may not treat a payment on a credit card account under 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 non-monetary relief