vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc.
State: WV

Complaint narrative:
On XX/XX/2022 I was charged XXXX for a room on XXXX. I received an email about the room I just booked, but I hadnt booked a room. I had stayed In This hotel the night before and paid XXXX for that room. I contacted XXXX and told them it was not me and explained the situation and they said we have no contingencies in place and can not cancel so I called money. They disputed it and then denied it twice, once because of a transfer made before the transaction, and Im not sure why the other time. I did not book this room, I had just gotten back to my home when I got the email. I am so tired of filing complaints.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act, title XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC has willfully and knowingly and intentionally violated my rights furnishing XXXX XXXX # XXXX without my written instructions nor lawful consent. 

According to the Fair Credit Reporting Act 1681o ( a ) I, XXXX XXXX, Consumer am due for compensation from TransUnion LLC for noncompliance of the Fair Credit Reporting Act.

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 2022-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2022 I sent letters to XXXX, Transunion and XXXX credit bureaus regarding negative accounts reflecting on my credit report that aren't mine. I requested removal of the negative information impacting my credit. I haven't received a response from either three companies. I also demanded they update my only address to reflect the current address and they haven't done that either.

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 2022-08-14 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: GA

Complaint narrative:
On XX/XX/2022 I sent letters to Equifax, XXXX and XXXX credit bureaus regarding negative accounts reflecting on my credit report that aren't mine. I requested removal of the negative information impacting my credit. I haven't received a response from either three companies. I also demanded they update my only address to reflect the current address and they haven't done that either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
XXXX XXXX, homeowner, a received a " Denial Notice '' on XX/XX/XXXX, which ( 1 ) violated the Cares Act - Mortgage Letter for extensions. ( 2 ) Neglected/ Fail to Mention Covid-19 Forbearance Plan-Breached ( Agreement ) in the letter ( 3 ) Threaten foreclosure " As part of the review, we may order a Property Evaluation to determine the property value this is violation ( Consumer Financial Protection Bureau & Covid-19 Mortgage Loss Mitigation ( 4 ) Willful Neglect " Incomplete Information Notice by the specified date. '' Plaintiff, adds Reasonable Suspension as to defendant letter reference to " specified date as follows : ( Willful Intentional Neglect ) XXXX Letter " extending the COVID-19 Forbearance start date and HECM extension period to XX/XX/XXXX '' Navy Federal Credit Union is in violation of ( CFPB ) FINALIZES New Rule restricting Mortgage Foreclosures until XXXX. Under a ( New Rule ) Federal Rule Mortgage Services have to do more to help you avoid foreclosure if youve been affected by Covid-19.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 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: The CMI Group, Inc.
State: GA

Complaint narrative:
This account does not belong to me. My personal information is incorrect. There are several inquiries that were not authorized by me. There are accounts with incorrect information.

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 2022-08-14 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-08-14 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:
Equifax is not providing me with substantial proof of validation that they claim they've received. In light of recent investigations brought upon the credit agencies, namely EQUIFAX, XXXX AND XXXX I find that my consumer file is being irresponsibly tampered with. Over the past six months I have made several attempts to remind EQUIFAX, XXXX AND XXXX of their duty pursuant 15 USC 1681. 15 USC 1681 a ( 1 ) states the banking system is DEPENDENT upon FAIR and ACCURATE credit reporting. It appears they are intentionally and willfully being neglectful in remedying my affairs while impairing the efficiency of the banking system. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. I am making this complaint as another attempt to have these errors corrected on my consumer report. 15 USC 1681i ( A.5 ) says that after the reinvestigation, all of the unverified information must promptly be removed. You can see in your system that this account was previously disputed without being thoroughly investigated thus I know that it can not be verified or validated. Pacific concrete F.C.U. V. Kaunanoe Is clear case law that states A copy of a consumer credit contract is not sufficient to validate a debt. '' I never gave consent to ANY of the credit reporting agencies to furnish my private data AND per EQUIFAX privacy policy, I was not given full disclosure of my rights to opt out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
This account does not belong to me. My personal information is incorrect. There are several inquiries that were not authorized by me. There are accounts with incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
This account does not belong to me. My personal information is incorrect. There are several inquiries that were not authorized by me. There are accounts with incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act, title 15 USC 1681b ( a ) ( 2 ) Equifax Information Services LLC has willfully and knowingly and intentionally violated my rights furnishing XXXX XXXX XXXX XXXX Account Number XXXX without my written instructions nor lawful consent. According to the Fair Credit Reporting Act 1681o ( a ) I, XXXX XXXX, Consumer am due for compensation from Equifax Information Services LLC willfully noncompliance of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Midland XXXX is reporting is reporting a debt that is Ive rXXXX years old. I have tried to dispute it several times but the credit bureau keeps telling me that the account is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 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: TX

Complaint narrative:
EQUIFAX you reinstalled a account with out notify me XXXX days in advance that is a violation of the Fair Credit Reporting Act you also have on this account past due this account was sold TO A COLLECTION COMPANY when THE ACCOUNT WAS REMOVED FROM MY CREDIT REPORT YOU REINSTALLED IT WITH THE ORIGINAL CREDITOR STATEING YOU HAVE A CERTIFICATEENCLOSED ARE A LONG LIST OF U.S.C. CODES YOU AND YOUR DEBTOR have violated also XXXX XXXX States selling a vehicle without notifying consumer of where and when the sale of vehicle was taking place

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 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: Westlake Services, LLC
State: CO

Complaint narrative:
Westlake financial. Is show my auto loan as a charge off. It's not a charge off. I am making the payments to the XXXX  XXXX trustee XXXX XXXX XXXX. And XXXX  ( XXXX  ) I have attached a copy of my XXXX statement it shows not behind.

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 2022-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I did not authorize these inquiries for credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-08-14 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX is not providing me with substantial proof of validation that they claim they've received. In light of recent investigations brought upon the credit agencies, namely XXXX, EXPERIAN AND XXXX I find that my consumer file is being irresponsibly tampered with. Over the past six months I have made several attempts to remind XXXX, EXPERIAN AND XXXX of their duty pursuant 15 USC 1681. 15 USC 1681 a ( 1 ) states the banking system is DEPENDENT upon FAIR and ACCURATE credit reporting. It appears they are intentionally and willfully being neglectful in remedying my affairs while impairing the efficiency of the banking system. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. I am making this complaint as another attempt to have these errors corrected on my consumer report. 15 USC 1681i ( A.5 ) says that after the reinvestigation, all of the unverified information must promptly be removed. You can see in your system that this account was previously disputed without being thoroughly investigated thus I know that it can not be verified or validated. XXXX XXXX XXXX  XXXX XXXX Is clear case law that states A copy of a consumer credit contract is not sufficient to validate a debt. '' I never gave consent to ANY of the credit reporting agencies to furnish my private data AND per XXXX privacy policy, I was not given full disclosure of my rights to opt out.

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 2022-08-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: VA

Complaint narrative:
XXXX says I owe them {$1200.00}, but I haven't been using the service. How can I owe and the service is off?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have contacted Experian about furnishing these fraudulent accounts on my credit report and they are not cooperating. They claim to have " verified '' these accounts but have not been able to show me any document, bearing my signature, signed by my hand. The reporting of these accounts are a violation of my federally protected consumer rights under 15 USC 1681b under permissable purposes. My written consent was not given to report these erroneous accounts attached in the dispute letter below. I have also attached an affidavit of truth, an affidavit of cease and desist, and an affidavit of demand for verification, all of which have been notarized by a notary public.

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 2022-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CBC Companies, Inc.
State: GA

Complaint narrative:
I did not authorize these inquiries for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I did not authorize these inquiries for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 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: NEW CITY FUNDING CORP.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX ( Sub # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 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: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
We applied for a Frontier Mileage Credit Card and Barclay bank on XX/XX/XXXX. We were approved and never received the card but received a bill on XX/XX/XXXX for the {$89.00} yearly fee. 
We called and explained that we never received a card in the mail. We live in an area that doesnt use mailboxes and we have a po box , and apparently Barclay Bank does not send to po box ES so we gave our physical Address but explained that the zip code needed to add 4 extra numbers, which is typical, since the mail carrier would know that we use a Post Office Box. 
The representative said she was entering the situation in the notes and could clearly tell that the card had never been received or activated. She said she would try again as before the card was not received. Yet we did begin receiving late notice charges of {$29.00} for the initial yearly charge of {$89.00} yearly fee for the mileage card. 
We again spoke to a representative, XXXX employee # XXXX on XX/XX/XXXX. We clearly explained we wanted to cancel the card because we never received it and so could never activate it. At this point we were well past the amount of calendar days we had to spend the minimum charges to receive the award miles. He again said he could see that the card had not been activated and he again tried to assure us that the card would be resent and we would have the dates recalculated to receive the miles. 
At this time we are still receiving late fees on a card that we never activated and so this transaction was never finalized. There has never been an exchange of anything of value to constitute a legal transaction

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 2022-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX ( Sub # 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.

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 2022-08-14 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX ( Sub # 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 ConsumeXXXX reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX ( Sub # 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.

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