vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 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 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 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 2023-04-30 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: FC HoldCo LLC
State: AL

Complaint narrative:
I am writing to follow up on my previous communication regarding account number XXXX. As I have previously mentioned, I have been attempting to have late payments removed from my credit report associated with this account in order to obtain a home loan. 

I have called several times to get this issue resolved, but it has not been rectified. The latest paperwork that you sent me does not address the issues I have raised. 

As I previously mentioned, I believe that your company has violated my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 604 ( a ) ( 2 ) which states that consumers have the right to privacy and that consumer reporting agencies can not furnish information about a consumer 's credit report without their written instructions. 
Furthermore, I believe that your company has violated Section 1666b of the FCRA, which states that a creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any reason. 

I request that you take immediate action to investigate my dispute and remove the negative information from my credit report. I also request that you provide me with a written explanation of how your company plans to ensure that my rights under the FCRA are not violated in the future. 

I expect a prompt response to this request, as this matter needs to be resolved quickly. Thank you for your attention to this matter

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 2023-04-30 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: PA

Complaint narrative:
I, the consumer in this matter, first contacted the Credit Reporting Agency in regards to accounts listed on my consumer credit file, in an attempt to amicably handle this situation, before this goes to court. I noticed that there were multiple erroneous accounts listed, and requested that they send me the method of verification used, my written authorization giving them, the Credit Reporting Agency, to obtain or furnish any of my non public financial information. In reporting this information, the CRA failed multiple requirements of the FCRA, most notably, the requirement of maximum accuracy, and the requirement of necessary consent and permissible purpose. Without consent, the CRA has no authority to furnish any information related to the consumer, and doing so without authority is Aggravated Identity Theft.

This is my final attempt to get this information removed prior to filing a federal lawsuit, as the violation of the FCRA is a federal of law.

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 2023-04-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Explanation of Disputing : on XX/XX/XXXX I went to XXXX XXXX to get some XXXX XXXX I only had an XXXX and an XXXX but they could not do any other work because i had a XXXX XXXX and needed to take XXXX before any XXXX is done. My insurance company ( XXXX ) had been billed for the services of that date. They also billed and overcharged my Wells Frargo credit card for the same services that were not completed. I reached out to Wells Fargo to file a dispute on XX/XX/XXXX. On XX/XX/XXXX and XX/XX/XXXX I received a letter stating that they did not have enough information. I explained and attached all my supporting information to Wells Frago and I have also attached the support information/explanation to this dispute. According to my insurance provider my out of pocket cost should have only been {$61.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: NC

Complaint narrative:
I lost both my phone and my Cashapp Card on Saturday XX/XX/2023. I left them at a store. I was able to retrieve them in XX/XX/2023. Before I was able to get both back, two purchases were made - XXXX  XXXX for {$64.00} on XX/XX/2023 and one at XXXX for {$37.00} on XX/XX/2023. Neither of these were authorized by me and I have not shared my credentials with anyone or given anyone permission to use my card or account. Cashapp has denied my dispute for XXXX  XXXX and I am waiting to hear about the XXXX charge. I have asked support for the documentation used for the denial and am waiting to receive it. 

These were unauthorized transactions and I expect to receive my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PA

Complaint narrative:
Our mortgage lender who covered us for all of 2022, Rushmore Loan Management, failed to pay our XX/XX/2022 school tax ( {$3100.00} ) with our escrow funds. The money was in our escrow account. A month later they sent us an escrow refund for more than that amount ( {$3500.00} ) saying we had an overage and this was not meant to be used for taxes ( have this in writing ). So we used it to cover the costs for the birth of our child. Lo and behold months later we find out the taxes weren't paid and before we could resolve anything with them they sold our mortgage to XXXX XXXX. 

We contacted the PA Attorney General who tried to resolve this with them, but Rushmore ignored their requests. Our current lender ending up paying the taxes from our escrow so we didn't have a lien put against our house, but since Rushmore misappropriated our escrow funds and failed to pay a tax they should have paid, we need resolution and for them to reimburse our escrow account. This is a case of detrimental reliance. All documents are in the XXXX XXXX folder below. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Hard and soft inquires on my credit report i don't approve or validate. 

fair credit reporting act

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO BANK NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I signed up to receive my statements online because the bank charges {$3.00} per statement to deliver them via USPS. But I can not access my latest statement ( which should have been generated on XX/XX/2023, and it is now XX/XX/2023 -- and my latest payment based on the XX/XX/XXXX statement is due TODAY!! ). I contacted the bank by telephone to find out why the statement is not available to me online, and all their representative could tell me was that it was " delayed. '' She could not tell me why or when I would receive my statement. Yet I am still expected to make my payments on time!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-30 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: LA

Complaint narrative:
I have disputed the ownership and accuracy of XXXX XXXX account number XXXX with all three credit reporting agencies and the information comes back verified and/or updated There are many inaccuracies in the reporting of this account 1 ) The high balances report different dollar amounts 2 ) The last date verified is not listed 3 ) The dates the account was opened is inaccurate 4 ) The date the account was closed is not listed or inaccurate 5 ) The date of the last payment is not correct 6 ) The credit limit is inaccurate or not listed Per the FCRA consumer reporting agency must maintain maximum accurate information in a consumer report All three agencies are reporting different information

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 2023-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
On XX/XX/2023 a message popped up on my screen to call a number XXXX ) to protect myself from suspicious fraud/identity theft They identified themselves as from XXXX as did the pop up. I called the number and they said to secure my accounts I had to do a money transfer and told me I would get the money back in 20 minutes after the transaction to verify the account was locked down. In order to transfer the money they asked me to share my screen to direct me how to set up the transfer through XXXX which I never used then or had an account or app with XXXX. There was a total of 3 transfers.They could see the balance and I only figured out they were trying to take all the money by the 3rd transfer. XXXX XXXX XXXX {$280.00} confirmation # XXXX, XXXX XXXX {$290.00} confirm # XXXX  XXXX XXXX {$290.00} confirmation # XXXX ; all sent to me through XXXX confirmation emails. I went to my bank M & T who later denied the claim because I keyed in the transfer even though they admitted they knew 100 % that I was scammed. I filed a police report and have also never heard anything from them either. I was told by the bank that they would escalate my case and it was also later denied for the same reason. Everyone acts like theres nothing they can do but they also knew the money was transferred into a XXXX  XXXX XXXX account that is known to be scamming as is the XXXX telephone number. I believe the recipe I clicked into was on the all recipes website. The scammers are still operating with the same number because my daughter called the number and said she received a pop up just like I did but told them she wasnt home. They then called her 37 times within 2 hours to try to get her to give her info or pick up the phone. She then blocked them. The bank told me to file a police report the day after the transfers and I have not heard anything from them either.Police report XXXX XXXX XXXX XXXX, case no. 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 2023-04-30 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: MI

Complaint narrative:
On XX/XX/2023 I sent a letter to Transunion, XXXX, and XXXX to investigate my inaccurate accounts on my credit report. It has been over 30 days, and I feel like I'm being taken advantage of, these consumer reporting agencies are in violation section 15 US code 1681i it states that failure to investigate within 30 days gives a reason to remove those items from my credit report, it has been over 30 days so they should be deleted ASAP I demand these accounts be deleted ASAP or I will be filing for litigation due to the stress this has caused me, from getting a promotion with my company. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong persons. The evidence will be attached below.

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 2023-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have made multiple attempts to have this removed from credit card. This debt is medical 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 2023-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ZWICKER & ASSOCIATES
State: TX

Complaint narrative:
This is in regard to the law firm of Zwicker and Associates, XXXX XXXX XXXX, XXXX, XXXX, and Zwicker and Associates XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX 
I have been disputing this alleged debt since XX/XX/XXXX requesting the firm for a full validation proving this debt is indeed mine as well as information from the Department of Justice, recognizing me as a victim of identity theft and the status of its case status not knowing details of how my information was obtained or if other individuals were involved. Sending this information since XX/XX/XXXX I would only receive statements after informing them, no, this is not validation but information. Informing them the name itself is incorrect, did fully validate the actual card company as required and their surety bond information that is required to collect in Texas. I was sued and during the break-out session during the hearing on XX/XX/XXXX with the attorney, XXXX XXXX  he told me that he has additional information that proves the debt is mine, he asked me for my mailing address, e-mail address, and contact information in other words information that should be on file if there is an actual contact on file that was signed. Yet, wanted me to set up a payment plan, why would I do this any the firm failed in so many ways to violate the FDCPA? After further research, he said they work for the card company BUT they are identified as a third-party collector and they are not bonded with the state. 
One should not be either for their fitting or business operation. Needless to say, I never received these intimidation letters again that do not define the validation of a debt, that I am entitled. The only thing I received was a " contract, '' which is questionable since it is known there is a class action lawsuit, Lizette DiResta vs.Discover Bank, Caes 155611-2015, in the Supreme Court , pending due to XXXX 's questionable fake credit card agreement, even arising more questions since it's not my name or signed as such. I have nothing and I have nothing to lose but when the harassing calls are being directed to my husband that is another story. This firm believes they are above the law and act as such. This matter with my complaint and other current and past should be looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Colony Brands, Inc.
State: IL

Complaint narrative:
I do not recall having an account with this creditor. I have tried to get in contact with the creditor with no success. There is a debt on my account which I have not opened. I would like this removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 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: GA

Complaint narrative:
In accordance to 15 U.S. Code 1681i - Procedure in case of disputed accuracy, my personal information being reported is inaccurate My only name is XXXX XXXX, Date of birth 1XX/XX/XXXXAddress : XXXX XXXX XXXX XXXX Ga XXXX 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 XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the rights 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.

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Graves ( mo ) 281 Sw 715,719, I presume that no proof of the alleged debt, nor therefor any such debt, in fact therefore exists.

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 2023-04-30 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: GA

Complaint narrative:
In accordance to 15 U.S. Code 1681i - Procedure in case of disputed accuracy, my personal information being reported is inaccurate My only name is XXXX XXXX, Date of birth XX/XX/1994 Address : XXXX XXXX XXXX XXXX Ga XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the rights 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.

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Graves ( mo ) 281 Sw 715,719, I presume that no proof of the alleged debt, nor therefor any such debt, in fact therefore exists.

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