vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-27 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: NV

Complaint narrative:
In accordance with the Fair credit reporting act XXXX XXXX account # XXXX and XXXX  account # 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. 


XXXX XXXX  - Open balance {$710.00} Collection Account number : XXXX Date opened- XX/XX/XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX phone : ( XXXX ) XXXX XXXX  - Open balance {$390.00} Collection Account numberXXXX Date opened- XX/XX/XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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: VA

Complaint narrative:
In accordance to the Fair Credit Report Act XXXX the following account numbers, have violated my rights. 
XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX  Account Number XXXX, XXXX XXXX XXXX Account Number 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 stats 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 non-monetary relief
Consumer complaint received 2022-08-27 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: VA

Complaint narrative:
In accordance to the Fair Credit Report Act XXXX the following account numbers, have violated my rights. 
XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXXXXXX XXXX Account Number 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 stats a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS
State: NY

Complaint narrative:
On XX/XX/2022, I requested my lexis nexis report online and I called for confirmation and I still have not received it. I am demanding it immediately. My address XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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: TX

Complaint narrative:
There is information on my TransUnion and XXXX credit report that has already been removed from my XXXX report. All consumer reporting agencies conduct the same investigation process so these items need to be removed. The Fair Credit Reporting Act states that I have a right to privacy and the only way a consumer report can be furnished is with the consumers written instructions. I never gave any consumer reporting agency any written instructions to furnish my information. Also transactions and experiences between a consumer and a person making the report are not supposed to be on my report as well. All of this is federal law the consumer reporting agencies have violated several of my federally protected rights and I need XXXX XXXX removed from all of my consumer reports immediately as it is hurting my ability to provide for myself and my family and the consumer reporting agencies are to exercise their grave responsibilitys.

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 2022-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: CA

Complaint narrative:
I had phone services with XXXX XXXX for about ten years and decided to switch providers in XX/XX/2022 to XXXX XXXX paid off the remaining balance on XXXX of my devices. i am now getting collections letter from XXXX stating that i owe them {$1100.00} for nonpayment when they agreed to port all my lines over from XXXX to XXXX. I kept the same numbers as i had with XXXX. the only way they would allow me to do that was to pay off my last bill, which i did, and were able to keep my phones and numbers. Now they are trying to charge something that was already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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: TX

Complaint narrative:
There is information on my XXXX and Experian credit report that has already been removed from my XXXX report. All consumer reporting agencies conduct the same investigation process so these items need to be removed. The Fair Credit Reporting Act states that I have a right to privacy and the only way a consumer report can be furnished is with the consumers written instructions. I never gave any consumer reporting agency any written instructions to furnish my information. Also transactions and experiences between a consumer and a person making the report are not supposed to be on my report as well. All of this is federal law the consumer reporting agencies have violated several of my federally protected rights and I need XXXX XXXX removed from all of my consumer reports immediately as it is hurting my ability to provide for myself and my family and the consumer reporting agencies are to exercise their grave responsibilitys.

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 2022-08-27 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: IN

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX account 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

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 2022-08-27 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: IN

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, 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 account 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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:
This is NOT a Duplicate report and this is not filed by a 3rd Party. 

In accordance with the Fair Credit Reporting Act XXXX  these accounts below have violated my rights under 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. 

Account Name XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) Account XXXX XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # 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 2022-08-27 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:
This is NOT a Duplicate report and this is not filed by a 3rd Party. 

In accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights under 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. 

Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXXXXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) Account XXXX XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-27 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: FL

Complaint narrative:
This is NOT a Duplicate report and this is not filed by a 3rd Party. 

In accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights under 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. 

Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX XXXXXXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX ) Account XXXX XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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: Grain Technology, Inc.
State: MS

Complaint narrative:
This has been ongoing since XX/XX/2021 and current. Grain has lost connectivity mysteriously upon several occasions and indeed timely also to even create this entire long drawn out experience. Grain has also charged a 10 % fee before the small payment was reflected current. Which increased to an extra {$2.00} of inaccurate fee on a date that the new policy wasnt in effect. There has been numerous emails in correspondence with Grain yet at this present time would like to request an asking of forgiveness or relief of the inaccurate reporting of late delinquent derroragatory remarks prior and after the account was brought to positive good standing. Also a return of the security deposit in the amount of or equal to < {$200.00} returned to the linked checking account. The account password be reset and working properly and the updated information corrected with a reporting of closure of the account within and no later than 30 days from the date of this submission or whichever comes first. Thank you and I look forward to a favorable outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/XXXX, I was contacted by an individual named XXXX XXXX who was posing as a recruiter at XXXX XXXX, a sportswear retail company, and he said he was impressed with my work on XXXX and wanted to conduct an interview with me for a job opening via XXXX. On XX/XX/XXXX, I was ready on XXXX which I tried to call the person, no response, I then tried a video call, the call was rejected, then I texted him which he responded that he will begin the interview which was entirely text-based. He brought up the overview of the company, culture & diversity, job brief, responsibilities, requirements and benefits, and he even asked questions that would be used in an job interview which I answered the best of my ability. After answering the interview questions, he said that he will bring the results to the team and follow up the next day which on XX/XX/XXXX, he said that I got the job and he sent me documents to sign, XXXX of the company and the job position to sign in accepting the job and the other being a W-4 for me to fill out which contained personal details such as my address, SSN and more. Then on XX/XX/XXXX, he emailed me XXXX checks of large sums, XXXX being {$9500.00} and the other being {$6300.00}, that he said I would need to deposit via XXXX XXXX and transfer to a " accredited vendor '' of the company to get the work materials. After depositing the the first check which was {$9500.00}, the individual wanted me to transfer the money through Cashapp or XXXX which neither worked so he had me do a domestic wire transfer of {$9500.00} of my checking account to the recipient " XXXX XXXX '' at the XXXX XXXX XXXX. It was also at this moment that I reached out to XXXX XXXX on XXXX to ask him about the situation. On XX/XX/XXXX, the real XXXX XXXX on XXXX reached out to me that I need to call the bank and report to federal agencies to stop the transfer. So I called the bank to do a wire transfer recall that was sent to XXXX XXXX XXXX and then filed a report to the local police authorities. I also filed a IC3 report to the FBI and the another report to the FTC. Unfortunately the wire transfer recall didn't make through, but they said they had an investigation into the fraud/scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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:
On XX/XX/2022 I received an alert from my credit monitoring service in reference to a new account. I opened my report and found a new account that was open on XX/XX/2022 for a company called XXXX dropping my score XXXX points, I am in the process trying to buy a home and this just may have destroyed it for the time being. I called the the number listed on the credit report of ( XXXX ) XXXX that directed me to a recorded sales pitch for a medical alert bracelet. I researched XXXX XXXX XXXX ( XXXX ) XXXX when calling this number it states it is XXXX but they are closed despite being a Saturday at XXXX. I sent an email to the company, I found on the XXXX site this is an ongoing issue with this company allowing fraudulent cards to be opened. This also states it is a " secured '' card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc.
State: NC

Complaint narrative:
Conn APPLIANCES on XX/XX/2017 {$2800.00} this company is trying collect money from me that i dont owe this is a duplicate account they keep reporting it to credit bureau every month

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc
State: WY

Complaint narrative:
On XX/XX/2022 I received an email from Venmo stating someone had tried to reset my password. There was a link in the email to reset the password myself. Unbeknownst to me, my clicking the email triggered Venmo to freeze my account. Fast forward 23 days and my account is still frozen. I've provided ( according to Venmo customer service ) all necessary documentation requested. Is my account unlocked... nope. I have had NO ACCESS to my paycheck for 23 days!! They have held my money XXXX for 23 DAYS!! I have bills to pay, no food, no gas and no money. I have called and emailed to no avail! Please help. I get paid monthly and if this account isn't unlocked by next Thursday, I'll have no access to it either. Thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: VT

Complaint narrative:
I am constantly getting calls from LVNV Funding, and Resurgent from XXXX. I am sick of getting woken up on my only days off from work. I have changed my number twice and they still track me down.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-27 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: TX

Complaint narrative:
Transunion and XXXX violated my rights according 15 U.S.C 1681i ( A ) ( XXXX ) ( a ) and 15 U.S.C 1681i ( XXXX ) ( D ) they claim to have conducted a proper investigation into my dispute but how is that so if my credit report with both bureaus is still showing the same inaccuracies. I am disputing a charge off account XXXX XXXX XXXX the high credit limits are inaccurate, dates opened are inaccurate, dates last active are inaccurate. XXXX performed an investigation into my dispute and found the inaccuracies and promptly deleted the account off my credit report with their bureau. I asked both Transunion and XXXX what process was used to verify the account all it said was account updated. If they performed an automated investigation according to 15 U.S.C 1681i ( XXXX ) ( D ) they would have found the information about the inaccuracies processed by XXXX. I am also disputing inquiries put on my Transunion credit report. XXXX XXXX inquiry dates XX/XX/2022 and XX/XX/2022, Bank XXXX XXXX inquiry dates XX/XX/2022 and XX/XX/2022, XXXX CO XXXX XXXX XX/XX/2022 I was deceived by their pre-approval offer and was not aware hard inquiries would be put on my credit report. Also 15 U.S.C 1681 602 A : states i have the right privacy 15 U.S.C 1681 604 A section XXXX it also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-27 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: TN

Complaint narrative:
I have been disputing this account a number of time and the have not removed this account and it is 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 non-monetary relief
Consumer complaint received 2022-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Please reference attached... 

I filed a Complaint and Request for Chargeback on XX/XX/22 using the Wells Fargo.com Dispute/Claim Form . Since the form represents the bank 's capture document for Dispute/Claims processing, I assumed it holistic in both design and nature. 

I also took the liberty of mailing hard copies of the supporting documents referenced in subject Dispute/Claim the same day. Given the source and irrefutable nature of the supporting documentation provided in support of the Dispute/Claim, resolving the claim should have been a 'slam dunk '. Yet, it has now been outstanding for nearly 40 days. 

Although I took the liberty of following up w/ the bank in writing regarding the Dispute/Claim on XX/XX/22, the claim remains outstanding to date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
When I was with Navy Federal Credit Union there was fraudulent activity on my account in which I ask to have an investigation on the activity which resulted in them closing my credit card with a fraudulent balance along with my checking and savings with money still in it which I was unable to retrieve. Without me knowing they were paying the credit card bill from my checking and savings for a year and when I confronted them they didnt refund me the money they used but gave the remainder of the money in the account which was significantly alot less than was originally in there. Now I have late payments on an account where there was a fraudulent and a account in which i couldnt take my money out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation