vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting 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: TX

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-11-16 00:00:00
Product: Credit reporting 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: NM

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NM

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I ws a victim of trafficking and my accounts ( closed, delenquent and collection status ) were overtaken by coercement from the criminals that had influence over my finances after XX/XX/XXXX and through XXXX XXXX I sent them a letter in compliance with their rules reguarding XXXX traffick victims. 

They have not responded to that specific claim of account being stolen and reported information as accurate. I have tried to resolve this several times. 

XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$1100.00} XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$1100.00} XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$1200.00}

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 explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Collection Bureau, Inc.
State: AZ

Complaint narrative:
I was never notified that I had an opportunity to dispute this debt. This has been added to my credit report and they haven't even sent me a notice validating the alleged debt -- This company is in clear violation of the credit collection laws -- also they never even stated if they can collect in my state, and they have never even confirmed that the statute of limitations have run out for this debt According to FDCPA codes ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX  XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX  XXXX of Inquiry XX/XX/2023, XXXX  XXXX XXXX  Date of Inquiry XX/XX/2023 & XXXX XXXX Date of Inquiry XX/XX/2023

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 2023-11-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: CA

Complaint narrative:
On XX/XX/XXXX, I paid XXXX to Ed Financial. This is XXXX over what is owed. I called the following week for a refund request and was given a timeline of up to 3 months. I see that my account says refund request on XX/XX/XXXX. I call Ed Financial again and was told that my refund was missing. I waited another week and was told that my previous conversation was wrong and that it would take 35 business days ( by XX/XX/XXXX ) to receive my refund. This call was made XX/XX/XXXX, and the customer service employee said she could not give me an actual time that I would receive the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC
State: MA

Complaint narrative:
They are charging a {$20.00} fee for monthly payments on a debt. I didnt know that they were doing this until I looked up my payment history.

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 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX is a company that is here to " help '' build credit however they are falsely reporting late payments on the following account # XXXX. Pursuant to XXXX U.S. Code 1681s-2 this company has reason to believe that they are reporting inaccurately because the truth in lending act states that a creditor may NOT treat any payments as late. 15 U.S. Code 1666b. Additionally, to verify that those " late payments '' are true, I am requesting that this company sends me all accounting records pertaining to this account. If they can not provide it, I demand that this company updates my consumer report to reflect PAANL status which is " Paid As Agreed Never Late ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Specialized Loan Servicing Holdings LLC
State: NM

Complaint narrative:
Specialized Loan Servicing online system is not user-friendly due to the security system. It requires a two-step verification system and makes it extremely difficult to log into the account to make a payment. It becomes a loop, requires you to check your email for the code, the code does not come, then requires you to change your password, then it gives you the recovering code, you use the recovery code, then it logs you out and you go through this loop several times. Since it requires an hour of being on the computer and then ending up making a phone call to unlock the login it has resulted in late payments. It is unjust that due to their system, it is difficult to make payments and then the consumer is assessed a late fee. I am computer savvy and I struggle. I am requesting an investigation. I am concerned about the elderly or people who are not used to using computers and how they may struggle more with this system. Are they purposely making it difficult to make money on the late fees?? Please note this is not an isolated incident, it occurs every month. I have notified Specialized Loan Servicing last month of my concern and again this month.

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 2023-11-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
After receiving notification that EMERGENCY BILLING OF XXXX sent me TO COLLECTION, I was confused and upset. With no resolution from either company named I contacted XXXX XXXX XXXX which is the insurance at the time of service. I also filed a complaint with the CFB to ensure we have a process. Attached is the following 1. Document from XXXX XXXX XXXX showing payment for date of service XX/XX/ in the amount of {$2100.00} 2. Document from XXXX XXXX XXXX showing payment for date of service XX/XX/XXXX  in the amount of {$2100.00} I also provided a copy of the complaint to the CFB and informed the credit report agencies that I was send to collection in error it need to be removed. I will also ask for the companies to do the same. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
On XX/XX/2023, I received an email from someone who identified themselves as XXXX customer service claiming that there was an unauthorized transaction on my account. I called the number and they confirmed that they were XXXX and used a 3rd party server to access my bank accounts in order to " reverse this transaction ''. 

They had me transfer money via Zelle and XXXX. The amount with Zelle was {$990.00} and also {$10.00}. The amount with XXXX was {$590.00}. 

I immediately notified my bank XXXX XXXX and they attempted to get this money back but it has been refused. 

This clearly falls under the new guidelines under the Electronic Fund Transfer Act Imposter Scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I went to a Truist branch located, XXXX XXXX XXXX, XXXX XXXX, FL to open a business checking account on XX/XX/2023. Account was setting and got access to online banking and receive debit card days later. But XXXX days later my online access was revoked and when I called to costumer services, I was told my account was taken down and canceled because fraudulent activity. Same day I went to the XXXX where I open the account with more IDs to fix the problem about fraud because nobody told me what this was about and the person in charge of the branch because there is no XXXX told me Back up office " close the account and aventually I will receive the refund of my deposit by check. So far, I have not received my check and this phone number XXXX opt XXXX. ( fraud activity ) do not know nothing about any check and they can not have access any longer to that account. And they want me to go again to the branch and request my money back. It's not this funny?

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 2023-11-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: DISCOVER BANK
State: WA

Complaint narrative:
On or about XX/XX/2023 my wife and I began a home equity loan process with Discover Home Loans and were approved. We were going through the process submitting requested documents. On XX/XX/2023 senior loan processor XXXX XXXX XXXX XXXX  XXXX ) stated that she needed me to contact my home owners insurance and add them as a XXXX XXXX holder. She specifically stated it could not be an insurance binder. They needed to actually be on the policy now. I contacted my insurance agent and he provided me with a binder. He stated that he could not add them until the loan was completely approved and closing paperwork was signed. He told me if the binder wasnt sufficient that they could call him and hed work with them on something that would work. My insurance agent called me a couple days later and stated that XXXX had just contacted him and she was trying to get him to add Discover on the policy. When he informed them that he wasnt allowed to do that, she got very inappropriate and began accusing him of fraud. He told me that he did not appreciate being treated that way and would not longer be working with them. I called Discover and they informed me that we wouldnt be able to proceed with the loan unless they were added now. Due to needing the loan, I then called the insurance company directly and added them. The loan process proceeded. On XX/XX/2023 I received an email stating that my loan was now denied and that my loan agent would be contacting me. I called Discover and my loan agent wasnt available so I spoke to another agent. She told me that my house didnt qualify for the loan due to having multiple buildings on my property. This didnt make sense because its a full house, a separate guest house and bath house and a garage. She told me it didnt qualify. I asked if they were going to take themselves off of my home insurance. She stated that XXXX had. I then emailed my loan agent, XXXX XXXX, and asked him to call me when he was available. As of XXXX, XX/XX/2023, I have not heard from him. I contacted my home insurance and they stated that Discover was still on the policy. Discover did not contact them to be removed. I explained that the loan never went through and asked that they be removed. At the beginning of each time I spoke to Discover they informed me that the calls were being recorded. So it is all documented on their side. This was a horrible experience and they missed out on customers with great credit scores.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Credit Control, LLC
State: PA

Complaint narrative:
On XX/XX/, I diligently took the necessary steps to address the unjust reporting of an account by sending a prearbitration letter via certified mail to XXXX XXXX XXXX XXXX XXXX XXXX. Despite my earnest effort to rectify this matter promptly, I have regrettably received no response from them to date. This lack of communication is not only disconcerting but also significantly impacting my financial credibility. It is important to underscore that I have no association with the account in question, and, moreover, I was never apprised by XXXX XXXXXXXX XXXX that they would be divulging my information to XXXX Funding or XXXX XXXX XXXX. Furthermore, the involvement of Credit Control LLC in the collection process on behalf of these entities compounds the complexity of the situation. The absence of a response and resolution exacerbates the adverse effects on my financial standing, and I seek a prompt and just resolution to rectify 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 2023-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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

Company 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