vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
I was scammed in XX/XX/2021 and reported it to USAA which charged off and closed one of my checking accounts and froze all of my other bank accounts, making it impossible for me to conduct any banking transactions. After being scammed, I was unemployed and desperately needed the COVID economic stimulus check which I was counting on to make ends meet until I could find another job. Unfortunately, my checking account frozen by USAA was the recipient of my COVID emergency relief stimulus check. USAA has refused to release the funds which are intended for emergency assistance to me and are keeping me from that money until I am able to pay off the other charged off account. Having my accounts frozen ruined my credit because I was unable to access my stimulus to make any payments. When I needed the stimulus the most I was refused the emergency assistance due to an unrelated charged off and closed account. I have tried repeatedly to resolve it this with USAA and they have refused to help me. Their response to the scam ruined my financial standing worse than the scam itself as freezing my accounts and withholding COVID emergency funds ruined my perfect credit history.

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 2021-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OH XXXX, DOB XXXX SS XXXX XXXX. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file.

XXXX XXXX XXXX # XXXX account is reporting 30 DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.

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 2021-07-14 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: NC

Complaint narrative:
The three credit bureaus continue to allow XXXX XXXX XXXX to report 25 medical bills on my credit profile, due to HIPPA violations, but they refuse to fix the glaring issue. This collection agency is revealing specific information about the medical facilty where the bills originated to be seen by potential creditors. My medical information is private, and this collection agency continues to violate my rights of protection, covered under this federal law. I have made repeated attempts to have the credit bureaus take action to correct this issue, but they continue to be complicit in allowing this collection agency violate federal HIPPA law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: NY

Complaint narrative:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). Today on XX/XX/2021, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX  is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I use XXXX everyday for friends and family that need to pay me back, m & t bank has froze my account and took {$2400.00} from my account, i read m & t bank XXXX terms and conditions they do not do refunds/chargebacks for the other party. I already filled a cfpb consumer complaint, m & t bank responded M & t bank did not respond to my needs, i read this with my attorney the one who actually recommended i file a complaint with cfpb.We both agreed M & t bank completely talked about another topic.M & t bank responded and talked about the restraint on my account and never talked about the XXXX transactions they refunded without my permission or notifying me or refunding the money they took from me from there mistake, i use XXXX for strictly family and friends, i called XXXX, XXXX told me they do not do refunds or chargebacks.I will continue until i get those funds refunded, taking advice from my attorney, were both going to take this very serious.

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 2021-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I don't even know where to begin. On my credit report there are 3 collection account. Two of the three I have paid off, even though they did not belong to me, and the third one I am disputing because it is the banks error. Since two have been paid by me why should the collections still be on my credit report?? WHY does the company still get to harm me if they have been paid?? I am SO DISGUSTED with the credit reporting system. Then the one I am disputing should not be on my credit report until the company reporting the collection and myself have come to an agreement on the account. WHY am I being punished for something that has not been resolved?? I have ALWAYS paid my bills on time or before they are due.I had a home mortgage and then paid the loan off after 8 months, but the credit reporting agencies took points away from my score. This make no sense at all. The companies that put the accounts in collection that I have paid got their money. WHY do they get to do me harm for the next 5 or 7 years or however long they stay on a report. It is hurting me financially. I am trying to buy a new car, but I can't because the interest rate is too high due to the collections. Also, when I have gone to look at cars the dealerships have been trying to get me approved with multiple lenders. Now I can't get a good interest rate or I have been completely denied a car loan because of the collections and they say I have too many inquiries on my report. The car dealerships are so desperate to sell a car that they put my info through multiple lenders. This is also not right. I have low credit usage, pay ALL my bills on time and my credit cards are paid in full every month. None of this is acceptable to me. I am sick and tired of hearing things like " oh well your fico score to purchase a car is different then a regular fico score ''. WHY is this allowed?? Do you realize how harmful this is to not only me, but I am sure hundreds of thousands of consumers. I paid off a car loan a year ago and my score dropped. I paid off a personal loan and my score dropped. I paid off my house and my score dropped!! How is any of this acceptable?? I should be able to go buy a brand new with little to no down payment and an interest rate of XXXX or XXXX not XXXX based on my payment history, my low credit utilization and my stability at my job and my home. But instead, I am driving in a car that I question every day " am I going to make it to work today or am I going to breakdown?? ". I am so UPSET. iT IS UNBELIEVABLE HOW SHADY EVERYONE IS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I filed a complaint with the CFPB for harassing phone calls by PRA during the pendency of a lawsuit they filed against me.

The company responded by telling both the CFPB and me that they had a judgment against me.

They directed me to contact their attorney to pay the judgment. I am in a vulnerable group, I am totally and profoundly deaf. They are saying pay them now for a judgment they dont have?

THEY DO NOT HAVE A JUDGEMENT.

This is in violation of 18 U.S.C. Section 1001 for Lying to Government Agents, the FDCPA and Ohio statutes ( Ohio consumer sales practices act ).

I am aware PRA is under investigation for violations of its XXXX  consent decree, and I wanted to alert you that they are blatantly lying to both you and me. 

I need you to intervene on my behalf and contact Judge XXXX XXXX XXXX referencing case # XXXX ( XXXX XXXX XXXX. 

At : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Courtroom # XXXX XXXX XXXX XXXX, OH XXXX Civil Bailiff ( XXXX ) XXXX To alert her that PRA has decided the care for her, has not stopped calling, and now, in order to close complaint # XXXX ( attached as a file ), lied to a Federal agency so they can get me to pay a judgment they dont have! 

Their response was so detailed, specific and granular, this is a blatant lie. 

This all started bc PRA engaged in a practice called parking on my credit report, that was my first contact with them. In response to a credit report dispute, the next day, they referred it for a lawsuit without validating the debt! Help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: CA

Complaint narrative:
Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
XXXX XXXX Services : ( Original Creditor XXXX XXXX XXXX ) XXXX  Physical Address : XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Original Creditor : XXXX XXXX  XXXX XXXX Current Creditor : XXXX XXXX XXXX Creditor Account # : XXXX Date ( s ) of Service : XX/XX/XXXX Agency Name : XXXX XXXX XXXX, XXXX XXXX Reference # : XXXX Balance : {$0.00} This notice serves as confirmation that the above-referenced account with the above-referenced creditor has a XXXX bal- ance. 
Please note, if information was reported to the credit bureaus regarding this account, we will request the account be delet- ed from any consumer reporting agency files to which we have submitted information within one week of the account closing in our office as paid. Consumer reporting agencies may take up to 30 days or longer to update consumer reports and this is beyond our control. 
We appreciate your attention to this matter and encourage you to call our office if you have any additional questions or concerns. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, IN XXXX Toll-Free XXXX XXXX XXXX Calls to or from this company may be recorded or monitored. 
This communication is from a debt collector. 
PLEASE SEE PAGE TWO ( 2 ) OF THIS LETTER FOR IMPORTANT NOTICES REGARDING YOUR RIGHTS XXXX XXXX XXXX, XXXX is registered as XXXX  XXXX XXXX XXXX in the following states : AZ, IA, KY, NH, ND, SC, TN, TX,

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 2021-07-14 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: NY

Complaint narrative:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). Today on XX/XX/XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX  is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On 07/14/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have sent information to both the creditor & credit bureau regarding this violation. XXXX XXXX XXXX has violated my HIPAA rights. I have never consented with the above collector on any terms to access my personal medical records. I have notified the reporting bureau on several occasions about this situation. XXXX XXXX XXXX did not provide me with a HIPAA release that releases my medical information to them ; even more so, by providing such information they are in VIOLATION of my HIPAA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC
State: HI

Complaint narrative:
This letter is regarding a collections account on my credit with XXXX  only. CAPITAL ACCOUNTS LLC has not provided validation that an unpaid debt belongs to me. The account number shown on XXXX  is xxx. The collection amount is {$150.00}. Date assigned was XX/XX/XXXX. Original Creditor was XXXX XXXX XXXX. 
The original creditor is no longer in business when I called to ask for validation of debt. 
When I called on date of XX/XX/XXXX to CAPITAL ACCOUNTS to receive clarification, instead of finding the collection agency answering the phone number ( XXXX ) XXXX of CAPITAL ACCOUNTS is actually a call center for XXXX reward cards. CAPITAL ACCOUNTS Website is usecapital.com. Phone number above is listed on their site. Their email also is available on their website and they do not reply. 
I have also emailed CAPITAL ACCOUNTS without receiving a response. First email started on date XX/XX/XXXX. 
If you call the phone number provided on their website stated above, email them, write them a letter. It all leads to nowhere. 
Found Phone number XXXX XXXX XXXX XXXX. Date of first call was XXXX. Rep stated she and I couldnt have access to validation of debt. Rep stated that only sales dept has that info. Told rep my rights to receive proof of debt. She said I did not have those rights. I mention hiring a lawyer or debt company to defend myself. Rep hung up. 
Called back on XXXX. Spoke to new rep. Rep stated that previous rep I spoke to wrote in notes I claimed I was a lawyer. I clarified that is not the case and need a validation of debt. She said no. I asked if I pay this would they take it off my credit. She went silent and hung up. 
Called again XXXX. Called back asked for supervisor. None available. I Explained I have the right to validation of debt within 7 days of contact also that I have been in contact via email for 30 days without a response. Was told they will order it but cant tell me if it will come. 
Also On XXXX Sent usps mail letter requesting validation of Debt to their POBOX. I did not hear back. 
This company has violated my rights as a consumer. I have not received validation of debt. I have called numerous times. Emailed. They have not proven or even tried to prove I owe this debt. I asked if I pay will they remove it from my credit and was hung up on. 
I ask for this collection to be removed and dismissed from my credit. It has been 2 months of requesting verification of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: CA

Complaint narrative:
I have been waiting for the credit bills to fix the errors that they have put onto my consumer report! Under the law 1681a exclusion b clearly states that they are in violation of my consumer rights. Under exclusion it clearly states any specific extension of credit the was given from the extension of a card for the purpose obtaining money property labor on any services on credit under my social security card number should be excluded from my consumer report! THING THAT WAS OFFERED OR Authorize with my card should be excluded from my credit report! Please remove all these items immediately from my report or I will seek litigation immediately

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 2021-07-14 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: CA

Complaint narrative:
I have been waiting for the credit bills to fix the errors that they have put onto my consumer report! Under the law 1681a exclusion b clearly states that they are in violation of my consumer rights. Under exclusion it clearly states any specific extension of credit the was given from the extension of a card for the purpose obtaining money property labor on any services on credit under my social security card number should be excluded from my consumer report! THING THAT WAS OFFERED OR Authorize with my card should be excluded from my credit report! Please remove all these items immediately from my report or I will seek litigation immediately

Company response to consumer: Closed with explanation