vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-04 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: LA

Complaint narrative:
After reviewing my consumer report I noticed that two new accounts were reporting negatively on my report. I have no knowledge regarding any of these accounts. This negative reporting is problematic because now I'm unable to apply for any type of credit and what adds insult to injury I did not open these accounts. I have made all reporting agencies aware of this identity theft issue and they irresponsibly reported this harmful information. I have tried address this matter but nothing was resolved. 

In accordance with the Fair Credit Reporting Act XX/XX/XXXX( Account # XXXX ), XX/XX/XXXX XXXX XXXX ( Account # XXXX ) has violated my rights. 
15 U.S.C 1681 SECTION 602 A states I have a right to privacy. 
15 U.S.C. 1681 SECTION 604 A SECTION 2 also states a consumer reporting agency can not furnish any 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 2022-06-04 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: LA

Complaint narrative:
After reviewing my consumer report I noticed that two new accounts were reporting negatively on my report. I have no knowledge regarding any of these accounts. This negative reporting is problematic because now I'm unable to apply for any type of credit and what adds insult to injury I did not open these accounts. I have made all reporting agencies aware of this identity theft issue and they irresponsibly reported this harmful information. I have tried address this matter but nothing was resolved. 

In accordance with the Fair Credit Reporting Act XX/XX/XXXX( Account # XXXX ), XX/XX/XXXXXXXX XXXX ( Account # XXXX ) has violated my rights. 
15 U.S.C 1681 SECTION 602 A states I have a right to privacy. 
15 U.S.C. 1681 SECTION 604 A SECTION 2 also states a consumer reporting agency can not furnish any account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
wells fargo has used my personal information back XXXX and XXXX XXXX XXXX to open fraudulent accounts in my name i have filed a police report, a banker name XXXX had open several checking and savings accounts and a wells fargo insurance services account and a credit card thats now on my XXXX credit report, wells farco open up checking savings accounts in XXXX aftet i came back XXXX XXXX and XXXX, i dealt with a claims rep name XXXX XXXX, he falsified information pertaining to accounts which was not settled by wells fargo, these issues are coming from reps that have abused and try to intimidate over the phone, i have been going through mediation for over 5 years, and still mote accounts are out there, wells fargo is trying to point thr finger back at me knowing they committed fraud and identity fraud, my information now is on the dark web because of wells fargo, my credit is damaged my name is damaged, they need ro be investigated and i want them to settle, XXXX XXXX falsified information stating he settled accounts. Checking and savings that was open in XXXX and XXXX I was in the military, these accounts were never resolved and I did not sign any documentation stating I took settlement for any of those accounts. Now theres a fraudulent account on my XXXX credit file from account that was open in XXXX, credit card with a balance of XXXX dollars, this account is fraud, now Wells Fargo needs to settle and resolve this before I file this law suite against Wells Fargo. This information plus witnesses I have, plus XXXX and his manager have been recorded using abusive tactics, and intimidation, I will run a story on XXXX XXXX and this story and my evidence will be turn over to an investigative reporter, im Tire of the threats and these tactics, I want this resolve or I will see this in court I got enough to get for actual damages, I have documents showing accounts attempt to open other credit cards and now this credit card on my credit report and an insurance account open fraudulently by Wells Fargo XXXX XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I attended XXXX university online They encourage you take out loans that you could get jobs once completing your degree. I have private loans and education loans for a XXXX  year degree I was told that i didnt qualify for student loan cancellation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Last Four of SSN # 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 2022-06-04 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: InDebted Corporation
State: CA

Complaint narrative:
XXXX and Indebted USA have violated my rights. 

I XXXX XXXX XXXX, as the beneficiary of the XXXX XXXX XXXX que trust, sent UPSTART ( Trustee ) a contract that was considered accepted per the mailbox rule on XX/XX/2022. Along with the contract I sent a coupon to settle the debt. Following the remittance letter and contract, I also sent XXXX, a notice of fault and opportunity to cure, followed by a notice of fault /Cease and Desist. XXXX remained silent and acquiesced to the contract. 

Per Public Law 73-10, which states that all debt, public and private are paid for, this account should have been removed from my credit reports.

Furthermore, I received a collection letter from Indebted USA, demanding that I send in a payment for a past due amount. I do not have a contract with Indebted USA. 

XXXX and Indebted USA have violated my rights.

15 usc 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, adebt collector may not communicate with a consumer in connection with the collection of anydebt_ 15 usc 1692b ( 2 ) not state that such consumer owes any debt ; 15 usc 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 15 usc 1692b ( 4 ) not communicate by post card ; 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 that a consumer reporting agency can not furnish a account without my written instructions..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: VYSTAR CREDIT UNION
State: GA

Complaint narrative:
I recently had a car stolen from me via Theft-By-Deception. I was selling a XXXX XXXXXXXXXXXX XXXX and was contacted by someone saying they would send me the money for it. Knowing I wouldn't proceed without proof of money, we proceeded on a call with my bank ( VyStar Credit Union ) and I was told he was transferring money, and it would be in my account in the morning. The next morning the full {$49000.00} was in my account as AVAILABLE BALANCE. I was still weary, so I went to the bank branch and was told the money was " As good as cash '' and " No chance it could fall back on me ''. I was then informed that the bank automatically put the money toward the loan, and that it was paid off and the account closed so they could start the title process. I later received a letter from the bank stating that the loan was paid in FULL and they released their lien on the title. A few days later, the funds reversed, and i was negative the full amount in my account. After contacting VyStar i was told that the External Transfer that was stated on my account was actually a Check-By-Phone, that had NO hold on it, and immediately went into my account without being described as " Bank Funds '', and paid towards my loan by the bank. VyStar then re-instated the loan after a week and was immediately sent to collections as i was late because there was no loan account at that time. I am now out a XXXX XXXXXXXX XXXX and {$49000.00}. I have filed police reports, reported it stolen, attempted to file a claim through insurance, and pleaded with all involved parties to help me in some way. All parties involved don't care about the situation, place me at fault, and refuse to cover any amount of funds I've lost. 
Even though VyStar admitted they can't see if funds are checks or not, and admitted it is IMPOSSIBLE to verify checks with them, and insurance is claiming the vehicle is " Legally Sold '', therefore it can not be covered even though police confirmed all information from the buyer is false, and the vehicle is still registered in GA in my name. I am looking to go after the bank for denying the claim, and refusing to follow their policy. 

In the Attached police report there are some errors.

1. The title was never signed, for the bank still had it at the time of the theft.

2. I did NOT transfer the money received toward the loan account, VyStar credit union did the transfer of the money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 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: FL

Complaint narrative:
The Credit Bureau equifax stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal You also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigations

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
XX/XX/2022 I Used Zelle thru my bank, XXXX XXXX to purchase an item for {$250.00}. The minute I realized it was a scam I called XXXX XXXX but was told there was nothing I could do

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 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: MI

Complaint narrative:
THIS DEBT IS ILLEGITIMATE. THE DEBT STATES THAT WE ARE BEING CHARGED {$1600.00} FOR NOT GIVING NOTICE. DESPITE THE FACT THAT WE DID GIVE NOTICE TO THE COMPLEX, OUR LEASE WAS A FIXED TERM LEASE. IN MICHIGAN, UNDER LAW XXXX, FIXED TERM LEASES EXPIRE ON THE DATE OF TERMINATION SPECIFIED IN THE LEASE. IF THERE IS NO REQUIREMENT TO SUBMIT NOTICE, THEN THERE'S NO LEGITIMACY TO THE DEBT. NOT ONLY IS IT NOT REQUIRED BY LAW, IT'S NOT REQUIRED IN THE LEASE AGREEMENT, WHICH WAS ATTACHED. THE COMPLEX FALSELY CLAIMED THAT THEY DIDN'T RECEIVED POSSESSION OF OUR UNIT UNTIL XX/XX/21. THIS IS BECAUSE OUR MOVE OUT DATE WAS ON SUNDAY, AND THEIR OFFICE IS CLOSED ON SUNDAYS. I HAVE TRIED TO COMMUNICATE THIS TO THE COLLECTION AGENCY BUT THEY DID NOT REPLY.

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 2022-06-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: CO

Complaint narrative:
XXXX  2021 my federal income tax return was placed in two Netspend account three checks in total in the amount of {$18000.00} of the checks were sent back to IRS the XXXX They have yet to return I have contacted him numerous times since XX/XX/2021 and to get no answers

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 2022-06-04 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: GA

Complaint narrative:
I filed a Dispute in regards to the incorrect items on my credit report with Credit Bureau Experian on XX/XX/XXXX. It has been well over 30 days and I haven't received any investigation results. Furthermore, I have been a victim of identity theft and XXXX XXXX XXXX and XXXX XXXX are fraudulent accounts that were placed back on to my credit report after being removed and /or deleted on report XX/XX/XXXX. You will find such information in attachment. 

Accounts : XXXX XXXX  XXXX  {$60000.00} XXXX XXXX XXXX XXXX {$25000.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  {$540.00} Kind Regards XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I repeatedly received voice messages from people identified as employees of the Comenity Bank regarding debt collection. According to their voice messages, it is about debt owed by another person that I do not know anything about. Based on my phone records, the most recent calls/voicemails they made to my number are on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2022. The calls were shown to made from XXXX and XXXX, but the call back numbers they gave are respectively XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-04 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: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C Section 604 A. Section 604 A. it also states a consumer reporting agency can not furnish a account with 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 2022-06-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NV

Complaint narrative:
We have been paying our mortgage a month in advance since XX/XX/XXXX. Received a letter from PennyMac, dated XXXX XXXX, XXXX, stating they would no longer accept our mortgage payment from our credit union and will not be sending ebill statements to our credit union. Our options, through PennyMac are to mail a check or money order, XXXX XXXXXXXX XXXX XXXX, OR BETTER YET, set up auto pay through THEIR website. We do NOT allow anyone to automatically WITHDRAW from our bank account! Mail system sucks here in XXXX and we have found another bank was sitting on our vehicle payments and not posting in a timely manner. We now drive to the bank and personally make the payments to end this process. We have been harassed by phone calls from Penny Mac to the extent that we have blocked their phone calls. Now we are getting harassed via emails on our phone. For example I have received 9 emails from XXXX XXXX XXXX this week alone. Our complaint is why this company DOES NOT comply as other companies do! It does not cost them to send ebills and receive payments ( with the proper acct information ) to/from our financial institution. This is a government backed loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX has used my personal information back XXXX and XXXX XXXX XXXX to open fraudulent accounts in my name i have filed a police report, a banker name XXXX had open several checking and savings accounts and a XXXX XXXX insurance services account and a credit card thats now on my Equifax credit report, XXXX XXXX open up checking savings accounts in XXXX aftet i came back ftom service and XXXX, i dealt with a claims rep name XXXX XXXX, he falsified information pertaining to accounts which was not settled by XXXX XXXX, these issues are coming from reps that have abused and try to intimidate over the phone, i have been going through mediation for over 5 years, and still mote accounts are out there, XXXX XXXX is trying to point thr finger back at me knowing they committed fraud and identity fraud, my information now is on the dark web because of XXXX XXXX, my credit is damaged my name is damaged, they need ro be investigated and i want them to settle, XXXX XXXX falsified information stating he settled accounts. Checking and savings that was open in XXXX and XXXX I was in the military, these accounts were never resolved and I did not sign any documentation stating I took settlement for any of those accounts. Now theres a fraudulent account on my Equifax credit file from account that was open in XXXX, credit card with a balance of XXXX dollars, this account is fraud, now XXXX XXXX needs to settle and resolve this before I file this law suite against XXXX XXXX. This information plus witnesses I have, plus XXXX and his manager have been recorded using abusive tactics, and intimidation, I will run a story on XXXX XXXX and this story and my evidence will be turn over to an investigative reporter, im Tire of the threats and these tactics, I want this resolve or I will see this in court I got enough to get for actual damages, I have documents showing accounts attempt to open other credit cards and now this credit card on my credit report and an insurance account open fraudulently by XXXX XXXX XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I submitted a dispute to Experian on XX/XX/2022 about account XXXX XXXX XXXX XXXX. I asked Experian to validate this account. On XX/XX/2022, Experian updated my consumer report basically removing a late payment from XXXX XXXX XXXX XXXX. I never received any information as to how this account was validated. According to 15 U.S. Code 1692g ( b ) - ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

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