vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-07 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: OH

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 : # XXXX, XXXXXXXX XXXX XXXX : # XXXX, Dept of Ed/XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX dismissed : Ref # XXXX, XXXX XXXX XXXX dismissed : Ref # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX 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 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 2023-04-07 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: NC

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX DATE OPENED XX/XX/XXXX -- - IDENTITY THEFT. PLEASE DELETED XXXX XXXX - DATE OPENED XX/XX/XXXX -- - IDENTITY THEFT. PLEASE DELETED XXXX XXXX  XXXX XXXX XXXX -- - IDENTITY THEFT. PLEASE DELETED XXXXXXXX XXXX  XXXX XXXX XXXX -- - IDENTITY THEFT. PLEASE DELETED UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-07 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: NC

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX DATE OPENED XX/XX/XXXX -- - IDENTITY THEFT. PLEASE DELETED XXXX XXXX - DATE OPENED XX/XX/XXXX -- - IDENTITY THEFT. PLEASE DELETED XXXXXXXX XXXX  XXXX XXXX XXXX -- - IDENTITY THEFT. PLEASE DELETED XXXX XXXX XXXXXXXX XXXX XXXX -- - IDENTITY THEFT. PLEASE DELETED UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
[ Your company is a debt collector you are violating the FDCPA law in Florida. Debt collectors are not allowed to use unfair practices to collect a debt. Your debt collection agency has Misrepresentations about the debt, including the amount owed and the dates. You are not the original creditor and I have requested verification of your debt from companies or law firms collecting debts on behalf of creditors or for debts that have been purchased from original creditors. i AM UNSURE ON HOW YOU HAVE MY SOCIAL SECURITY NUMBER and the fact that you have been reporting negatively on my credit report is illegal. Do I need to file a Consumer Financial Protection Bureau and file suit against your debt collecting agency if so i will have attorney do so if you refuse to remove yourselves from my credit reports. The proof that payment was made was already submitted I HAVE PROOF YOU ALREADY REMOVED YOURSELVED FROM MY EXPERIOAN CREDIT REPORT NOW REMOVE yourself from my other credit reports or I will have my attorney file a lawsuit and set a hearing date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please look at the attached documents, the personal information you are reporting are not mine.

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 2023-04-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Account is reporting late payments during covid and while on deferment these are FCRA violations. Remove this late payment reporting in XX/XX/2020 on account 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 explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
After reviewing my accounts in my credit report, and disputing several accounts for incorrect information, Transunion has now reported all my closed accounts, that were closed within the last XXXXyrs, as having been opened within the last XXXXmonths, up to a year.

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 2023-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
I called USAA for a cashiers ' check on XXXX for deposit on a new home. They confirm that it was delivered, but I never received it. Since the funds were already taken out, I now have no money for the deposit for the apartment and will become virtually homeless as a single dad with two kid, all because USAA will not own up to their mistake. They will neither assist with check cancellation or reimbursement for the funds, as their policy states clauses that prevent them from assisting me in any manner. I had asked them if they can assist by providing me the money so that I can pay for the deposit ( and when they cancel the check, they can deposit it to themselves ), but they are not willing to come to any compromise on this situation. This is my last resort to find any type of resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
I received a letter on XX/XX/23 that was dated XX/XX/23. The letter was from Genesis FA Card Services, XXXX XXXX XXXX XXXXXXXX, OR XXXX. The creditor stated that the card had a balance of {$75.00} which was. The annual fee. The card was addressed to me at my current address. The letter said thank you for XXXX them know about my change of address. Weve updated your chance of address on your Destiny Mastercard Account It also stated if I had my mail forwarded another letter was sent to my old address. Genesis states to call XXXX if the address shouldnt have been changed. 

I called Genesis FS card Services who told me to get a police report and also report to Federal Trade commission. I called the Sheriff Department today and the Detective is supposed to call me on Monday.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BMO BANK NATIONAL ASSOCIATION
State: CO

Complaint narrative:
In XXXX, XXXX I had my accountant try to create an amortization schedule to match the loan monthly payments on an RV that I purchased. He was unable to so I called the bank. The first call was XX/XX/XXXX. The bank refused to discuss the loan and said I had to go to the dealer that sold me the vehicle. Between XX/XX/XXXX and XX/XX/XXXX, I made 6 calls to the dealer and three to the bank none were ever returned. Two additional calls that made where I manage to speak to someone at the bank customer service yielded no amortization schedule or any additional information. On XXXX XXXX XXXX I made my first payment and the ENTIRE amount was applied to interest. It turned out that the loan ( not known to me ) was a simple interest loan. I found this out In my conversation with the bank on XX/XX/XXXX, XXXX ( the customer service manager ) told me that the first payment was 45 days long. They did that so ( as he said ) I had time and money to register the vehicle. I did not ask for that time and the result was that I was charged an additional {$750.00}. in interest. Then in XXXX I paid extra money against the principal. The payment was made XXXX.The bank did not apply the principle to the loan until AFTER they calculated the interest for XXXX. That means I was charged interest on a the {$400.00} I paid towards principal. XXXX admitted that " yes the bank makes more interest this way but that is what we are business for ''. Now that the loan is fully in effect BMO Harris Bank is willing to send me an amortization schedule, XXXX said he would even wave the {$10.00} fee ( yeah ) .He further told me that I should have looked at the truth and lending statement. I said who would sit down and try to calculate the interest on a 20 year to make sure it agrees with the tota shown on the truth and lending report. I believe that the 45 day period on the first payment is to cover the money XXXXXXXX XXXX ( the seller of the vehicle ) gets form the 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 2023-04-07 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC
State: DE

Complaint narrative:
Added fees that was not suppose to be added and took my vehicle after promises they wouldn't in conversation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/2023 My car was repossesed. My auto loan is with WellsFargo. I was told that my loan was charged off and I could not reinstate. I am not aware of all the fees that were applied to my account. I was told that I had a deferment of 3 months and WellsFargo changed it to 2 months without my approval. I was not aware that my loan was in status of becoming defaulted. I have filed XXXX and WellsFargo still insist to deny me.They are currently in a class action lawsuit for this very reason.

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 2023-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: IL

Complaint narrative:
Im  making this complaint against SOURCE RECEIVABLES MANAGEMENT for identity theft. I have never given SOURCE RECEIVABLES MANAGEMENT any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until SOURCE RECEIVABLES MANAGEMENT can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and SOURCE RECEIVABLES MANAGEMENT continues its collection efforts, I will file for litigation for actual damages caused and SOURCE RECEIVABLES MANAGEMENT will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/2022, XXXX XXXX ( XXXX XXXX ), using the XXXX XXXX  XXXX system, sent an application XXXX No. XXXX to the XXXX XXXX, XXXX, XXXX for execution in the amount of USD XXXX to the address of the recipient XXXX  XXXX  XXXX XXXX XXXX in XXXX. 
The funds are transferred according to the details specified in the application. Due to the introduction of international sanctions against the XXXX XXXX  from XX/XX/2022, transactions in foreign currencies are limited. 
XXXX The payment was returned by the CITIBANK N.A. 
XXXX  XXXX, NY. ( the XXXX XXXX XXXX XXXX XXXX XXXX ) without execution. 
Currently, funds in the amount of USD XXXX are on the account of CITIBANK N.A. 
XXXX  XXXX, NY. 

Please provide the date and reason for blocking funds for the transaction 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 explanation
Consumer complaint received 2023-04-07 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: OH

Complaint narrative:
I recently pulled my credit report, and found numerous errors on my report. I am a natural person, I am a living human being. I have rights under 15 USC 1681 XXXX, XXXX, and Transunion is govern by 15 USC 1681 And they have violated my rights numerous of times. I demand these accounts listed below be removed because According to 15 USC 1681 : I have a right to privacy and I did not give XXXX, XXXX, and Transunion written permission to furnish these accounts. 

These are the errors I found XXXX & XXXX XXXX, account # XXXX, XXXXXXXX XXXX, XXXX, account # XXXXXXXX XXXX XXXX, account # XXXX, XXXX XXXX, account # XXXX, XXXXXXXX XXXX, account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX XXXXXXXX, account # XXXX, XXXX XXXX XXXX, account # XXXXXXXX XXXX XXXX, account # XXXX, XXXX BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, Some of these accounts are passed the statue of limitations allowed to be reported on credit report, therefore they should have already been removed.hhhh

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 2023-04-07 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: OH

Complaint narrative:
I recently pulled my credit report, and found numerous errors on my report. I am a natural person, I am a living human being. I have rights under 15 USC 1681 Equifax, XXXX, and XXXX  is govern by 15 USC 1681 And they have violated my rights numerous of times. I demand these accounts listed below be removed because According to 15 USC 1681 : I have a right to privacy and I did not give Equifax, XXXX, and XXXX  written permission to furnish these accounts. 

These are the errors I found XXXX XXXX  XXXX XXXX, account # XXXX, XXXX. XXXX XXXX, account # XXXX, XXXX XXXX, account # XXXXXXXX XXXX XXXXXXXX, account # XXXX, XXXXXXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX XXXXXXXX, account # XXXX, XXXX XXXX XXXX, account # XXXXXXXX XXXX XXXX account # XXXX, XXXXXXXX XXXX, account # XXXX, XXXX, account # XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX, account # XXXX, Some of these accounts are passed the statue of limitations allowed to be reported on credit report, therefore they should have already been removed.hhhh

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: MI

Complaint narrative:
In accordance with the fair credit reporting act the companies and accounts have violated my rights state of Michigan child support XXXX, state of Michigan child support XXXX, state of Michigan child support XXXX, state of Michigan child support XXXX. 42 usc section 666 and 15 usc 1681section 602a. States I have the rights to privacy also 15 usc 1681 604a.section 2 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 2023-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Assured Financial LLC
State: OK

Complaint narrative:
Complaint In XXXX XXXX  XXXX I had XXXX  XXXX. Several months later, in XXXX I received a bill from XXXX XXXX XXXX for {$950.00}. The bill did not indicate what this was for so I tried multiple times to contact them by phone to get more information. I left several messages, asked each time for a return call but never heard from anyone at XXXX. I threw the bill away and forgot about it. Several months later, I received another bill from XXXX. I tried to call them multiple times again, leaving multiple messages with my final message saying something to the effect that it was a rather large sum of money and that I didn't feel comfortable paying until I fully understood what I was paying for and that I hoped to hear from them to resolve the matter. On XX/XX/XXXX, I received notice from Assured XXXX, LLC that they would attempt collection of {$950.00} on behalf of XXXX XXXX XXXX. I tried to call XXXX XXXX XXXX via two different numbers obtained from the internet ( XXXX and XXXX ), both of which are no longer in use. I then called Assured XXXX, LLC at the number listed on the bill ( XXXX ) and spoke with a woman. I explained to her my situation and in the process of asking her to have the company contact me, she began talking over me by repeating " ma'am '' loudly and after several minutes of this she hung up on me. After this interaction, I contacted the XXXX XXXX XXXX XXXX and spoke with XXXX XXXX. As a result of that conversation I filed a complaint with the XXXX, filed a complaint with the state Attorney General 's office, filed a complaint with the FTC and have contacted the credit report agencies as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
Affirm was created fraudulently in my name. I provided them proof of a police report & they refuse to remove it from my credit report. There is several accounts that were opened and none of these were opened by me. They are fraud!

Company response to consumer: Closed with explanation