vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-03 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: GA

Complaint narrative:
Ive reached out to each credit bureau XXXX, XXXX and a Transunion regarding the XXXX XXXX Credit card thats on my credit profile. XXXX XXXX Bank was aware that I did not authorize and make purchasing with that credit card. Upon speaking with XXXX XXXX Bank back in 2021 they assured me if I settled and pay a portion they would remove account from credit file. I also sent them a copy of the police report which states my XXXX XXXX card stating there were unauthorized charges on my account XXXX XXXX did nothing about it. I have both conversations saved on my phone. I recorded all conversations. XXXX XXXX Bank had me settled account stating they would move account from credit file and did not honor their word. At this point I would like for XXXX XXXX Bank to provide me a copy of every transaction along with signatures and copy of Drivers License used to open the account. XXXX XXXX Bank should be able to provide all this information if they are stating I allowed these charges. I know they wont be able to provide anything with my signature or acceptance. If account is not removed from credit file Im going to hold XXXX XXXX Bank, XXXX, Transunion and XXXX liable for punitive charges. Also, I would like for XXXX XXXX Bank to provide me with the agreement stating I have them permission to share my personal information with Transunion, XXXX and XXXX. According to the Fair Credit Reporting Act I have to consent and so never did.

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 2022-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NY

Complaint narrative:
XXXX who I have never signed up my services with at any time has a debt linked to my name that does not belong to me, they have sold this debt to companies which have then sold to others after ive said this is bot my debt and have disputed this information. I continue to be harassed by different debt collectors on a monthly basis for a debt that is not mine which is extremely illegal according to the following laws 15 U.S. Code 1692b - Acquisition of location information 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692d - Harassment or abuse My information continues to be sold & shared illegally which is a violation of my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I have an account on my credit report from the US Department of Education that I have no knowledge of, I did not apply for a student loan, I have never gone to college, I have no affiliation with that company. I have attempted to contact them multiple times with no success. The loan amount is for {$290.00} and it shows that the account was opened XX/XX/2019. I have NO knowledge of this, I believe this was a result of identity theft or perhaps a mistake with SSN numbers, I have no idea. I need this removed from my credit report NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LAKE MICHIGAN CREDIT UNION
State: MI

Complaint narrative:
I had an appointment with Lake Michigan Credit Union on XX/XX/22 to discuss mortgage forbearance from the CARES Act due to financial hardship from the pandemic. My mortgage is backed by XXXX XXXX and I'm not delinquent on payments. The employee handed me a Mortgage Assistance Application which required the following documentation : Borrower Assistance Form and Worksheet, Hardship Letter, 4506-T, last 30 days of pay stubs, most recent statements for all bank accounts, most recent utility statements, proof of obligations which contribute to your hardship, last two years signed Federal Tax Returns with all schedules, W2s and 1099s, and the most recent retirement account statement. I explained that the CARES act only requires that I report that I'm experiencing a pandemic-related financial hardship and that because my loan is backed by XXXX XXXX , I am allowed to request a mortgage forbearance without disclosing additional information. The employee made a phone call to another XXXX employee and shared what I said. After she got off the phone, I was told that even if the government said that there was no additional documentation needed, XXXX would still need it. I let the employee know that I would contact one of the agencies who help lenders navigate these requests and come back another time. After I left the office, I received a voicemail from another employee with XXXX. I returned the call and was pushed for more information about my need for a forbearance. I explained the CARES Act rules and that I could ask for a forbearance for up to 180 days and later request an extension. That my loan would still accrue interest but there would be no late fees and no report to the credit bureau that I was delinquent. How the missed payments would be repaid would be figured out between me and XXXX. The employee acted like she didn't know about these rules and kept pushing me for personal information so she would know which forbearance plan would best suit my needs. She also said that a forbearance might still negatively affect my credit and the missed payments would be due in one lump sum after the end of the forbearance. I explained that the CARES Act prevents mortgage services from requiring a lump sum repayment unless the borrower chooses to do so. I added that a foreclosure notice would be much worse for my credit than having a mortgage loan that wasn't decreasing in amount. I again shared that I would be reaching out to an outside agency to help me navigate this issue.

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 2022-12-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
As I have to move to a new apartment before the termination of my current lease, I posted an advertisement for my room ( website " XXXX.XXXX  '' ) for a transfer lease. An XXXX guy named XXXX XXXX XXXX contacted me and assured me he'd take over my room. We did a conversation using his email id ( XXXX ) and XXXX ( XXXX ( XXXX ) XXXX ). He sent me his driving license as proof ( DLN ) XXXX ). He said he'll send me a check of {$5000.00} as advance money so that I can be assured he is taking the room for rent, and I can proceed with the lease transfer. I would have to return the amount that would be extra. He sent me a check of {$5000.00} and asked me to deposit it. I deposited the check to bank of America, and after 1 day, the amount of {$5000.00} deposited into my account. One the money deposited to my account was shown up in my balance and money transfer was verified, he asked me to return {$3500.00} as it was extra. He gave me an account detail of XXXX XXXX ( XXXX ) and asked me to send {$1000.00}, {$1000.00} and {$950.00}, respectively via XXXX.. He again asked to send the remaining {$550.00} to XXXX XXXX ( XXXX ) but the transaction was refused this time. After sending these money to XXXX, the check amount ( {$5000.00} ) that came into my account ), went back. I called the bank and the bank associate ( customer care service ) why the {$500.00} was deducted from my account, and he convinced me that the amount might be returned to my account, as sometimes it happens, and it may not be a fraud/scam issue. I again texted XXXX that the check amount is reduced, and he said he'll confirm tomorrow why the check it happened. Even I was not notified by bankd why the the {$5000.00} that was reduced from my account. But another day, I could not see the check amount returned. After calling the bank associate again, we realized it was a scam, and he filed my claim for the check amount that I should recieved XXXX Bank of America has reported my case, case number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX has stopped responding to calls or 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 2022-12-03 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:
XXXX XXXX Consumer/living soul XXXX XXXX XXXX XXXX GA XXXX Cease & Desist Account # Account name I am writing this letter to inform you that I am issuing a cease & desist on this account # & name refer to see attachment Pursuant to state & federal law I am ceasing all Communications on this account through all medium except for paper mail at this address XXXX XXXX XXXX XXXX GA XXXX XXXX me that all activities and removal has been completed refusal to comply with this cease & desist will be continue in lawful action. 

Pursuant to law I did not give you a written or verbal consent to have or shear my personal information. 

Pursuant to law its a violation to have and shear my personal information without consent of any kind. And this action that you have taken has put my life in grave danger by invasion of privacy. 

pursuant to law transaction between the consumer and the person making the report is confidential Pursuant to law it is against the law/violation to be involved in racketeering activities, coercion, fraud & swindle, extortion, discrimination, & aggravated identity theft. 

You have also committed treason, depriving me of life liberty and the pursuit of happiness. 
So please stop reporting this account to the world remove these account seize all publishing activity clear my file of all inaccuracies AND RASE MY SCORE SUBSIQUENCIALLY Ignorance to the law is no reason to break it everyone must follow the law Notice is complete upon delivery This is not a dispute pursuant to your privacy police consent have/has to be given before any shearing takes place YOU HAVE 3 DAYS TO REMEDY THIS REQUEST Yours truly Original creditor XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: MS

Complaint narrative:
In XX/XX/2022, I requested to be provided with all original contracts along with my signature and all receipts from the original creditor to assist me in proving that I do not owe any debt. I also asked for the information used to validate this account. XXXX is violating Hippa Laws by sending what appears to be my medical records. This is in violation of my privacy and is also being used negatively against me as I have not be given a copy of my receipts showing that I paid for services when they were rendered in person.

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 2022-12-03 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
In XX/XX/2022, I requested to be provided with all original contracts along with my signature and all receipts from the original creditor to assist me in proving that I do not owe any debt. I also asked for the information used to validate this account. XXXX is violating Hippa Laws by sending what appears to be my medical records. This is in violation of my privacy and is also being used negatively against me as I have not be given a copy of my receipts showing that I paid for services when they were rendered in person.

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 2022-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
In XX/XX/2022, I requested to be provided with all original contracts along with my signature and all receipts from the original creditor to assist me in proving that I do not owe any debt. I also asked for the information used to validate this account. XXXX is violating Hippa Laws by sending what appears to be my medical records. This is in violation of my privacy and is also being used negatively against me as I have not be given a copy of my receipts showing that I paid for services when they were rendered in person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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 not received a response from the credit reporting agencies on any of my disputes. 

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 ; 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 report agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Fair Resolution To this Issue?

Delete These Accounts Immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
i've been trying to access my consumer report, credit score and apply a credit freeze to my Transunion and XXXX reports for the last XXXX months and all i keep getting is that my info is either unavailable or unknown i cant access none of my info it states that its not available for me to do anything the fact that i cant even place a freeze on my account puts me at risk for identity theft this is a violation of my rights as a consumer the FCRA STATES THAT : I HAVE THE RIGHT TO ACCESS MY CREDIT FILE I HAVE THE RIGHT TO CORRECT ANY INACCURACIES ON MY CREDIT REPORT AND I ALSO HAVE THE RIGHT TO SEEK DAMAGES AGAINST THOSE WHO VIOLATE THE LAW and more and I am in the process of taking legal action against this reporting agencies I've been denied auto loans, mortgages and credit cards do to this issue it is currently interfering with my livelihood and means to support my family

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 2022-12-03 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
i've been trying to access my consumer report, credit score and apply a credit freeze to my XXXX and Equifax reports for the last 4-6 months and all i keep getting is that my info is either unavailable or unknown i cant access none of my info it states that its not available for me to do anything the fact that i cant even place a freeze on my account puts me at risk for identity theft this is a violation of my rights as a consumer the FCRA STATES THAT : I HAVE THE RIGHT TO ACCESS MY CREDIT FILE I HAVE THE RIGHT TO CORRECT ANY INACCURACIES ON MY CREDIT REPORT AND I ALSO HAVE THE RIGHT TO SEEK DAMAGES AGAINST THOSE WHO VIOLATE THE LAW and more and I am in the process of taking legal action against this reporting agencies I've been denied auto loans, mortgages and credit cards do to this issue it is currently interfering with my livelihood and means to support my family

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
In XXXX 2022, I applied for the covid-19 forbearance that was offered on the company 's website, which stated it would not report any late payments during this process. XXXX XXXX XXXX  in XXXX 2022 and wasn't fully recovered, losing work time that decreased my income in half. I was informed by a company representative on or around XX/XX/ 2022 that I was approved and that my covid-19 forbearance loan representative would contact me with the details of the forbearance. my contact person XXXX XXXX XXXX. I contacted and talked to XXXX XXXX XXXX at or around Ending of XXXX 2022. I was informed that he would look into the forbearance and I informed him how I was informed that I was approved. I XXXX XXXX that I had a late payment for my XXXX payment I was informed by XXXX XXXX what I wanted him to do regarding my account and, I stated that my late fee is removed because I was informed that I was approved for the covid-19 forbearance. I wrote a letter to the CEO to address this issue and received an email from XXXX XXXX XXXX. I was informed that they would not retract to late charge on my XXXX even though I was informed that I was approved for the forbearance that on their website says they will not report late payments during the process of a forbearance. I was lied to and due to the company 's representative 's deception and error, my credit rating was decreased by 100 points due to this company 's error. The late fee in XXXX needs to be removed due to I was misinformed by this company.

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 2022-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: MA

Complaint narrative:
Hello, I have been keeping my money in Gemini for a long time. I have now decided to withdrawl our money and Gemini will not let me. I have reached out to Gemini but they have still not honored there commitment and my money is still pending a withdrawl. It has bee pending for weeks now. Please help recover our money as it is over {$41000.00}. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: Affirm Holdings, Inc
State: IL

Complaint narrative:
Since XXXX affirmXXXX XXXX XXXX XXXXe have reported late reports even after i paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Capio Partners, LLC
State: LA

Complaint narrative:
Company is reporting information on my report that is not validated and is incorrect. 
I dont have any outstanding medical bills with Capio Partners .

I have never had any contact or done any business with Capio Partners.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I let the company know about how I tried to make payments back in XX/XX/2022 but was not able to due to the company crashing. I also gave them multiple phone calls to pay my payments but was never spoken to anyone due to high demand calls. I was repeatedly hung up, redirected or never directed to anyone in the company to make a payment during any of this time period from XXXX XXXX XXXX of XXXX It wasnt until XXXX where they were supposed to put me on a payment plan of only charging me XXXX XXXX  for 3 months to erase the late charges they accused me of but once I called back in XXXX they mistakenly never put me on a payment plan. So now they have me on a new plan with another charge of XXXX XXXX plus the late fee charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This complaint is from me XXXX XXXX the person not from a third party company or any other person but me this is a real complaint. 
I am the victim of identity theft, i sent in a report and everything that ftc said that i should to get the identity theft removed from my credit but the credit bureaus did not remove any of the accounts that were included in the identity theft.

Company response to consumer: Closed with explanation