vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I had a XXXX account before and I canceled it last XXXX and joined my friends att family plan. And I got a {$1.00} charge from XXXX XXXX XXXX, which I think its weird, I disputed it. XXXX didnt contact me at all for a year and sold it to a debt collection company with the late fee which is {$38.00} for total. And XXXX said they cant help me with it since they already sold it to debt collection companies and I can either pay the {$38.00} and talk to the debt collection company which dont even even to me just keep repeating my transactions from the XXXX bill they got. As a company I dont think they should just sold the customers information with not contacting or verifying with their customers for any unpaid bill. How can I know what kind is that bill after I canceled my plan and they closed my account on XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-06 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: PA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account number ( XXXX XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX XXXX ( XXXX XXXX  # XXXX ) ( XXXX Account number XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX Account # XXXX ) XXXX XXXX XXXX XXXXXXXX Account # XXXX ) ( XXXX XXXX Account XXXX ) ( XXXX Account # XXXX ) ( XXXX Account XXXX ) ( XXXXXXXX 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 instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 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:
In accordance with the fair credit reporting act XXXX  account number ( XXXX XXXX XXXX # XXXX ) ( XXXX XXXX  Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXXXXXX Account # XXXX ) ( XXXX XXXX ) ( XXXX Account # XXXX ) ( XXXX Account number XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX Account # XXXX ) ( XXXX XXXXXXXX XXXX Account # XXXX ) ( XXXX XXXX Account XXXX ) ( XXXX Account # XXXX ) ( XXXX  Account XXXX ) ( XXXXXXXX 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 instruction.

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 2022-11-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Attorney XXXX XXXX XXXX COLLUDED with Wells FARGO to COVER-UP the " EMBEZZLEMENT '' of payment received from XXXX XXXX XXXX 


BEWARE : Read XXXX NEGATIVE UPDATE on XXXX XXXXXXXX XXXX law firm ANSWER REQUESTED : XXXX XXXX, as a prominent BOARD-CERTIFIED Consumer Protection Attorney for 39 years.. 
How many times have you sued Wells Fargo? 

If, she takes your case, it will never make it to trial ... .WHY? she told the judge boldface lies, and had my NO DEFENSE CASE dismissed I was not able to defend myself. She denied me my " DAY IN COURT '' She is not a nice person... .at all. She will kick you when you are down ( and hang-up on you ). 

My doctors ( medical records ) will prove she lied to the judge. 

XXXX XXXX, I invite you to prove me wrong XXXX XXXX, WHERE IS THE MONEY?

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 2022-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NC

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 U.S.C 1681. 

Aldous account number XXXX under XXXX I don't know who this company is what debt that they say I owe. Aldous never received written notification from me the consumer giving them permission to report on my credit. Without verification of this debt violates my rights as a consumer. 
15 USC 1681 Section 602 ( A ) States I have the right to privacy 15 USC 1681 Section 604 ( a ) States a consumer reporting reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) 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 USC 1681n ( a ) ( 1 ) ( a ) states any person willfully fails to comply with any requirements imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum. Also, any actual damages sustained by the consumer as a result of the failure or damages of not than {$100.00} and not more than {$1000.00}.

15 USC 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 2022-11-07 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: Western-Shamrock Corporation
State: TX

Complaint narrative:
I have sent letters off for these creditors on XX/XX/22, and XX/XX/22 and I got no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-06 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: GA

Complaint narrative:
Despite two written requests, the unverified items listed still remain on my credit report in violation of Federal Law. it is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, it was stated in writing that they verified that these items are being reported correctly? 
Who verified these accounts? 
They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 

ACCOUNTS : XXXX ( XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX Transunion ) XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXXXXXX XXXX XXXX XXXX  ( Transunion ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX ( Transunion ) XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL 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 non-monetary relief
Consumer complaint received 2022-11-06 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: GA

Complaint narrative:
Despite two written requests, the unverified items listed still remain on my credit report in violation of Federal Law. it is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, it was stated in writing that they verified that these items are being reported correctly?

Who verified these accounts?

They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 

ACCOUNTS : XXXX  ( Equifax & XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX ( Equifax ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 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:
XXXX 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. 

Account name XXXX XXXX XXXXXXXX Account name : # XXXX Account namXXXX XXXX XXXX XXXX, Account name XXXX XXXX XXXXXXXX Account name : XXXX XXXXXXXX Account XXXX XXXXXXXX AccounXXXX XXXX XXXXXXXX Account XXXX XXXXXXXX violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2022-11-06 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: GA

Complaint narrative:
n 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. 

Account name : XXXX XXXXXXXX Account name : XXXX XXXXXXXX Account name : XXXX XXXX, Account name : # XXXX Account name : # XXXX Account # XXXX Account XXXX XXXXXXXX Account XXXX XXXXXXXX violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2022-11-06 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: TN

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 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 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 explanation
Consumer complaint received 2022-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
I was banking with usaa when my checking account was hacked. The hackers made bad check deposits and requested official checks with guaranteed funds from what I can gather. They also sent my wife a XXXX  for {$1000.00}. 

I told usaa about this issues within 1 hour of the attack on my account. They launched investigation and within days decided to end our banking account with them. 

They've continually hung up on me when I try to get answers on why I can't change my payment amount on my usaa life insurance. 

All in all I've lost over {$2500.00} because of this

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 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: PA

Complaint narrative:
In accordance with the fair credit reporting act XXXX account number ( XXXX XXXX  Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX ) ( XXXX Account # XXXX ) ( XXXX Account number XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX Account # XXXX ) ( XXXX XXXXXXXX XXXX Account # XXXX ) ( XXXX XXXX Account XXXX ) ( XXXX Account # XXXX ) ( XXXX  Account XXXX ) ( XXXXXXXX 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 instruction.

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 2022-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Inquiries have reached the statute of limitation. 

2. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 Inquiries have reached the statute of limitation. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Inquiries have reached the statute of limitation.

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 2022-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
Hello, I purchased my first home approximately XXXX XXXX  ago. I have NEVER been late or refinanced since Ive had the loan. I did file XXXX however, I NEVER included the mortgage company! I NEVER selected a mortgage company of my choice. I started with a reputable mortgage company, and the company has changed since I purchased those XXXX ago XXXX times. During my financial hardships the past XXXX XXXX, Ive NEVER defaulted on the loan! Payments were in regularly WITHIN the grace period of XXXX XXXX! Last year, end of XXXX my mortgage increased {$300.00} & Ive NEVER been late! This mortgage informed me by letter that I have an Escrow Shortage againand it was because of my property taxes! Now, XXXX, XXXX, I receive another letter and I called. My escrow is SHORT AGAIN AND MY MORTGAGE IS INCREASING ANOTHER {$100.00}! I HAVE NEVER HAD MORE PROBLEMS THAN NOW SINCE IVE BEEN WITH THIS COMPANY! How can you not explain to me WHY THIS HUGE INCREASE SINCE XXXX? A {$400.00} INCREASE IN MY MORTGAGE IN XXXX XXXX? AN EXCELLENT CUSTOMER DESPITE WHAT THEY SAY ABOUT A PAST XXXX  & THE COMPANY STILL RECEIVED THEIR PAYMENTS EVERY XXXX??? I could have refinanced and I was in the process but had to hold it due to family reasons. As soon as this the mortgage company found out, they harassed me to refinance with them! I DID NOT!!! AND NOW THEY ARE HARASSING ME WITH STATING MY ESCROW IS SHORT? How??? THEY ARE A SCAM AND FRAUD!!!! IVE HAD NOTHING BUT MONEY SHORTAGES SINCE THE OLD MORTGAGE COMPANY MOVED AND IT WAS SOLD OVER THE PAST XXXX XXXX I CANT KEEP PAYING THIS HIGH MORTGAGE AND I DO NOT WANT THIS SCAM COMPANY ANY LONGER!!! Its very sad!!! IVE NEVER HAD THIS PROBLEM BEFORE WITH THIS HUGE ESCROW SHORTAGE!!! Imagine what they are doing to customers of low-income, poverty families? What about diversity and inclusions in communities? What about loyalty of customers who make their payments despite whats going on in their lives? YOU DONT KNOW WHAT FAMILIES ARE GOING THROUGH! WE DONT REACH OUT TO TELL OUR PROBLEMS BUT WE TRUST OUR MONEY IS SAFE WITH THE MORTGAGE COMPANY AND THEY ARE DOING RIGHT BY US XXXX!! NOT THIS COMPANY! I need to know consumer financeDO I NEED AN ATTORNEY? PLEASE HELP!!!! Take a look at my loan and see how Ive NEVER BEEN LATE!! HOW IS MY ESCROW SO SHORT WITHIN A XXXX AGAIN??? I NEED HELP CONSUMER FINANCE!!! I PAY TAXES AND I AM A UNITED STATES CITIZEN!!! I HAVE RIGHTS!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I went on Capital One website to request an credit line increase and was denied. I have a credit card limit that I pay off several times a month because the limit is small ( {$600.00} ) compared to my income ( {$180000.00} ). The credit limits as they stand do not statisfy my current credit needs. I understand that my credit score is only fair but I have income that I can afford and maintain a higher limit card. I contacted Capital One but I am always referred to the automatic system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 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: TX

Complaint narrative:
I have been trying to clean up my credit to buy a new home and automobile. I have learned throught the CONSUMER FINANCE PROTECTION BUREAU on how to use your rights as the consumer. With that said ; I found out In accordance with the Fair Credit Reporting act these accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I NEVER AUTHORIZED OR GAVE WRIITEN CONSENT ANY OF THE THREE CREDIT REPORTING AGENCY TO PUBLISH ANY OF MY CONSUMER CREDIT TRANSACTION. 

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

I want action taken immediately to recover the lost of a higher credit score which had made me pay a higher interest rate on my CONSUMER TRANSACTIONS, because of the information on my credit report. 

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. 

I have uploaded a file with my current XX/XX/2022 credit report to show the evidence that their are inaccuracies on my credit report from all three CREDIT REPORTING AGENCY.

Company response to consumer: Closed with explanation