vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. 
Im opting out of : XXXX XXXX : Chargeoff XXXX XXXX XXXX : Chargeoff XXXX XXXX XXXX XXXX XXXX Chargeoff XXXX XXXX XXXX : Late Payments XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX : Collection account. XXXX XXXX XXXX : XXXX  XXXX XXXX  : Collection Account/Chargeoff XXXX XXXX XXXX XXXXXXXX : Chargeoff  XXXXPer the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a.

Per the IRS Publication 4681 any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication.

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 2023-10-01 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: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following accounts : XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account numbers : XXXX and XXXX has violated my rights. 
15USC 1681-602A states I have the right to privacy.

15 USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 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: I.C. System, Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following accounts : XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account numbers : XXXX and XXXX has violated my rights. 
15USC 1681-602A states I have the right to privacy.

15 USC 1681-604A section 2 : 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 explanation
Consumer complaint received 2023-10-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: SC

Complaint narrative:
This {$100.00} gift card was given to me for my birthday. The last two numbers of the 16 digit card are missing and the cvv is also missing. I was given this card on Thursday, XX/XX/2023. I have opened it today, XX/XX/2023, and tried to call and go to the giftcardmall to see how to replace this card. No prompts or customer support available by phone or online, except to claim it lost or stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 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: FL

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

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

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

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01 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: FL

Complaint narrative:
I recently received a copy of my ( XXXX, XXXX or TransUnion ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX  ( s ) # XXXX and XXXX ( Late date Both Accounts XX/XX/XXXX ) XXXX XXXX XXXXXXXX XXXX  XXXX XXXX ( Late Date ( s ) : XXXX XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX This Company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, The Law States ( b ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

These Consumer Reporting Agencies can not furnish any of these accounts because I Did Not give my written instructions.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; It is also an unfair act to report late payments inside their payment grace period most of the payments for XXXX XXXX XXXX was reported before grace period in the year of 2022. 
16 CFR & 444.4- late charges It is illegal to report late payments without the person consent.

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 2023-10-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently received a copy of my ( Experian, XXXX or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX ( s ) # XXXX and XXXX ( Late date Both Accounts XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( Late Date ( s ) : XXXX XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX This Company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, The Law States ( b ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

These Consumer Reporting Agencies can not furnish any of these accounts because I Did Not give my written instructions.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; It is also an unfair act to report late payments inside their payment grace period most of the payments for XXXX XXXX XXXX was reported before grace period in the year of 2022. 
16 CFR & 444.4- late charges It is illegal to report late payments without the person consent.

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 2023-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: UT

Complaint narrative:
i was sending {$200.00} to the XXXX  but they couldnt get and i dont know were the money went and they need the money now

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Today The Home Depot credit card was deleted on XXXX and they took away XXXX points from my credit report. This account was fraudulently opened XX/XX/23. I also seen on report that i lived in XXXX, Ca which is false. I also found out yesterday the Home Depot Card Fraudulently opened is also in XXXX, California. I believe at the address and only address in XXXX where i supposedly lived is where the thief lives and opened up The home depot card living at this address. Please investigate this address where i never lived. Thanks

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 2023-10-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: NC

Complaint narrative:
I closed on a FHA Loan from XXXX XXXX on XX/XX/XXXX, that is because they told me I didn't quality XX/XX/XXXX but I did. The loan was audit/Closed, same day. The loan was sold to XXXX XXXX Mortgage, without my approval. XXXX XXXX XXXX XXXX XXXX XXXX, took XXXX dollars from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX we was in the Foreclosure Court with XXXX XXXX Firm representing XXXX XXXX, and they towed my truck. XXXX XXXX law firm rushed my wife into signing all documents before I had the chance to get her to understand the house should not be added. They used her income. I just got back in the workforce, after XXXX Properties let me go XX/XX/XXXX, because they was caught by XXXX, frauding my identity/business, still was denied unemployment Claim from XX/XX/XXXX. I know we are supposed to have a comfortable payment, but instead they wanted XXXX a month for 60 months. I was told in the XXXX  meeting on XX/XX/XXXX that I needed not talk because the other guy wasn't pleasant. but this is who I suppose to trust. Same individuals who took my car after our XXXX Bankruptcy closed and A XXXX lien was attached to XXXX XXXX XXXX XXXX XXXX NC, XXXX to XXXX, still was about to get a house. My business insurance was to be audited a year from start date, state farm never told me about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have contacted XXXX ( my current credit card company of over 8 years ) multiple time in the last few months at their customer care phone number. I did so because I no longer have a checking/ savings account with them but opted in to use an external account ( my outside bank ) to make a payment on my XXXX credit card. Each time I spoke to XXXX reps, I was given a form to fill out which I did and returned. I then was walked through setting up the external payment online, which I did. I lastly was told that I needed to wait until two small deposits were made into my external account in order to verify it before I could use the external account to make a payment towards my Penfed credit card. Each time I called in to check on this, I was told it was pending. I got multiple calls from their payment collection team because I missed my payment due to this. Penfed allowed NO OTHER OPTION to make a payment towards my credit card since I did not have their checking/ savings. I also am not local to them to visit a branch. I requested a manager for callback multiple times which they never called me, only promised to have one call. THIS CAUSED A PAST DUE PAYEMENT record on my experian and XXXX credit report which dropped my credit score. I believe this was not in fault of my own, but a fault of XXXX system as well as customer care reps who lacked the knowledge and care when I would call about this issue. I am demanding XXXX remove the past due record entry on my credit report or I will seek further legal action. They have all calls monitored and recorded from the countless times I called in regarding this issue as well as every time I brought it up when they called me about payments. 
Desired Outcome/Settlement Desired Settlement : Correction to a credit report - Removal of past due

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 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This year I have disputed data from Credit Report to Equifax. Some of the information has been corrected or deleted after much effort, by mail and using their website. They list my CURRENT EMPOYER AS : XXXX, Position : Bond Clerk, Status : Current. I have insisted and said to then uncountable times, that I did work for XXXX but that my employment ended decades ago, that XXXX was liquidated and to delete that information. It is incorrect, it is wrong, I do not work for a company that do not exist. 
Have disputed data from Equifax 6 times this year, sometimes the disputed closed the same day. Obviously, they are not validating their information and they have made no effort in correct their error despite my demands to fix it/delete it. 
There is a note in the report in the section referencing employment : " ... it does not affect your credit score '' I do not care if it affect or not and that is not the issue. The fact is that they are providing and disseminating incorrect information about me. Also when disputing information as part of the " automatic process '' ask my current employer 's name and position. I am not required or obligated to provide Equifax any information about my personal, private, or employment life or any information at all. They have accumulated and sold and profited from my information that they have accumulated using other sources and references. It is not their business and I am not applying for credit. When the time comes, and I apply for credit I will provide that information to the creditor not to Equifax. 
Sent note to Equifax by mail to delete information and they ignored my last request to delete my employment history with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC
State: VA

Complaint narrative:
I am in the process of trying to purchase a home. I was unaware of a fraudulent debt on my account, until I was declined by the bank for a home loan. I have never received any notification of a debt, notification of right to dispute within 30 days, or any verification of these alleged debts from XXXX XXXX XXXX which is a violation of FDCPA. XXXX XXXX XXXX has destroyed my credit, without notifying me of the same, for accounts that I do not owe. I do not owe XXXX XXXX Services, nor any party that XXXX XXXX XXXX claims to represent. This is the last thing a consumer should have to be facing, especially in unprecedented times, such as these. I demand that XXXX XXXX XXXX remove this fraudulent debt from my credit report or I will sue, and seek the maximum compensation available under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following accounts : Commonwealth Financial Account # XXXX, XXXX XXXX XXXX Account numbers : XXXX and XXXX has violated my rights. 
15USC 1681-602A states I have the right to privacy.

15 USC 1681-604A section 2 : 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 2023-10-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IL

Complaint narrative:
Originally called in XXXX because payments were showing start date of XXXX. Talked with rep and created ICR plan and received clarification on payment start dates. Yet Mohela app continued to state payment start date of XXXX I had to call right before XXXX for clarification again. 
Contacted them XXXX with questions regarding XXXX plan. On the phone with a rep for 20 minutes before they informed me they're in training where I was then put on hold multiple times while they're conferring with someone else. The whole time I'm getting conflicting information until finally they transfer me to an experienced rep. Ask about SAVE plan vs ICR. Information was pretty confusing but eventually got it figured out. Rep informed me of using adjusted gross income. Updated income and rep told me they could take my statement of income and informed me of new monthly amount then stated it could take some time to process the change. On XXXX I get a notice from XXXX stating they need more time to research this request. Even though same notice states per Illinois Student Loan Servicing Act they have 14 days to inform me of this.. On XXXX I receive correspondence from XXXX that my request is being processed. Also on XXXX I receive notice from XXXX I'm put on administrative forbearance where my daily interest will continue to accrue and capitalize, payments are optional, and auto-debit will be suspended including the .25 % interest reduction. On XXXX received notice from XXXX stating interest not capitalized during XXXX Payment Pause. Same notice states interest will not be added to my balance after payment pause ends but also if interest remains unpaid it will be added to the balance after the payment pause.. 
On XXXX I get correspondence from XXXX of my new payment amount which is not at all what the rep told me. This notice states payments are optional until due date but that if I was on a payment plan prior then I have to make those payments.. 

Correspondence seems to be lacking accurate information and is extremely delayed. Hard to figure out what is even going on with my payments. When I tried calling in the meantime of all this I requested a call back. They called back and I answered. I was immediately put on hold without speaking to anyone, then the call disconnected and I received a voicemail that I missed their call. Wait times are excessive and I can not get through.

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 2023-10-01 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: DISCOVER BANK
State: MS

Complaint narrative:
I am writing to file a formal complaint against Discover Bank and XXXX XXXX regarding inaccurate information that has been reported to my credit report. I believe that I am a victim of identity theft, as I have no knowledge of any association with the accounts in question, nor do I acknowledge opening these accounts. 

Details of the Inaccurate Information : 1. Discover Bank Account : Account Number : XXXX Date of Alleged Opening : XX/XX/XXXX Nature of Inaccuracy : I am not aware of any association with Discover Bank, and I have not authorized the opening of any account with them on XX/XX/XXXX. 
2. Money Lion Account : Account Number : XXXX Date of Alleged Opening : XX/XX/XXXX Nature of Inaccuracy : I have no knowledge of opening a Money Lion account on XX/XX/XXXX, and I dispute any association with this account. 

Steps Taken to Resolve the Issue : I have already contacted Discover Bank and XXXX XXXX to dispute the accuracy of the information on my credit report. However, my attempts to resolve this matter directly with the institutions have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: V and H Portfolio
State: TX

Complaint narrative:
VANCE & HUFFMAN LLC Date Opened : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX Amount : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, XXXX KS XXXX Amount XXXX I DO NOT consent to, benefit from or authorize any of the following inquiries

Company response to consumer: Closed with explanation