vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-09 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: TX

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature.

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 2023-06-09 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: TX

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

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 2023-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09 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: TX

Complaint narrative:
Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, TRANSUNION used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. TRANSUNION reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.

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 2023-06-09 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: WI

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. 
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX 
However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect.

According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case Public Law 73-10 states all debts public and private are obligations of the government. 
In addition " And because you have my social security number, what is legally taking place is a trust action- with me as the beneficiary and with XXXX as the trustee. As the trustee, you are the authorized representative of XXXX that has the fiduciary obligation to act in a way that will benefit me, the beneficiary. However, your company is in violation of trust laws as your corporation is accepting my electronic funds transfers personal checks as payment while also redeeming the coupon which is receiving double the payment for the same obligation and that is a crime. This is malfeasance, a violation of trust law and may be reportable under the Sarbanes Oxley.I am indeed without a doubt the beneficiary of the social security XXXX XXXX XXXX XXXX XXXX XXXX XXXX and you the corporations and agencies involved are the trustee with a fiduciary responsibility/obligation to do whats best for me the beneficiary.The are also in violation of the FCRA and the FDCPA as well as other Uniform Commercial Codes.They also verified accounts and closed my previous disputes without a reasonable explanation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: Chime Financial Inc
State: NY

Complaint narrative:
Hi I filed a claim with chime bank my claim number is XXXX they denied my claim within a day so I reopened my claim and I still do not see any money back Into my account when ever I call or chat with chime bank they just keep telling me we are working hard to resolve this and they said i will not be getting the money untill XXXX i can not wait that long i did not authorize these charges please help me get my money back asap

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money
State: MD

Complaint narrative:
On XX/XX/2023, I enrolled in National Debt Relief Program, and contacted someone over at MintoMoney Customer Service. I explained that they must cancel and stop payments of {$230.00}, and the Representative stated that all payments were cancelled, and I provided him all of the National Debt Relief contact information. On XX/XX/2023, I received an alert from my bank which stated that MintoMoney violated the Consumer Financial Protection Act by submitting the payment of {$230.00} with a 481.650 % interest rate on your account, which in pending processing with the bank without your permission. I spoke with XXXX XXXX XXXX XXXX stated that they can do whatever they want, and when asked for a manager they are not available. This company is a fraud and need to be federally investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
An account from a company I've never heard of or done business with appeared on my XXXX and XXXX credit reports. The amount owed for this false account is {$1300.00} and was added on my accounts on XX/XX/2023. The company has yet to take any action so I'm taking action myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2023-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bastion Consumer Funding I, LLC
State: OH

Complaint narrative:
I received a court document in XXXX of XXXX stating I was being sued and owed {$1300.00} to XXXX XXXX XXXX, which I have never heard of before. It stated my wages would be garnished if it was not paid. I said a loan was taken out in XXXX for {$250.00}. In XXXX I started to file bankruptcy but got a large amount from the VA so I paid off all debt I had and the bankruptcy was dismissed. I have no record of this loan on any credit reporting agencies, I have no emails or records of a deposit from this agency either. When looking over the documents the signature also does not look like mine and Ive signed the same way since joining the XXXX XXXX back in XXXX. This was the first time I have ever heard of the company who was suing me. I do not believe this loan was even given to me. When documents were send over they blocked out the bank account routing and account number and have yet to provide it so I dont even know if it was sent to an account in my name. Looking up information on XXXX XXXX XXXX online they seen to get this complaint a lot. Please help me get this resolved!!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 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: American First Finance, Inc.
State: GA

Complaint narrative:
Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, AMERICAN FIRST FINANCE used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. AMERICAN FIRST FINANCE reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mortgage Lenders Investment Trading Corp
State: FL

Complaint narrative:
I mailed our first payment for our new home on XX/XX/23 for a due date of XX/XX/23. As of XX/XX/23 the payment has not been deposited by then yet and they now state I need to mail to a different address then the one I was provided at closing but I do not have any confirmation that this new address is correct. I tried to call and they hung up on me 8 times and they when I got to somebody they transferred me almost instantly. They then said they could not locate my loan, then transferred me 5 more times and still had zero information. I sent a second payment via certified oak on XX/XX/23 and that was delivered XX/XX/23 but also has not been cashed as of yet. They have also not paid my insurance company out of escrow as of yet even though I paid {$440.00} at closing into that account. They refuse to help me and refuse to take my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NM

Complaint narrative:
Dear PayPal Support Team, I hope this email finds you well. My name is XXXX XXXX, and I am writing in response to the recent permanent limitation placed on my PayPal account associated with the email address XXXX. 

I have always adhered strictly to the guidelines and regulations set by PayPal, and I believe that the action taken on my account might be the result of a misunderstanding or an error. Therefore, I am writing to formally request that this decision be reconsidered and my case be re-investigated. 

In the many years of utilizing your platform for my business transactions, I have always made a conscious effort to comply with the policies and terms of service as stipulated by PayPal. I am uncertain as to the specific reason why such a drastic measure was taken against my account. If possible, I would appreciate a comprehensive explanation of the particular policy or guideline that was purportedly violated, as I remain convinced that I have conducted my activities within the bounds of PayPal 's policy framework. 

In the spirit of fairness and mutual understanding, I humbly request that the recent decision to limit my account be re-evaluated. I am willing to cooperate fully with any investigations, provide further information, and take any corrective measures if required. I believe in the integrity of PayPal 's services and its commitment to providing a fair and reliable financial platform to its users, and I am confident that this unfortunate situation can be satisfactorily resolved. 

I would be truly grateful if my appeal could be forwarded to the appropriate department for a thorough review. If there is any documentation or other information needed from my end to facilitate this process, please do not hesitate to ask. My primary goal is to rectify this situation and continue using PayPal 's services, as they have been instrumental to my personal and professional transactions over the years. 

I am looking forward to your favorable response and I am hopeful that we can restore the trust and reliability that have defined our relationship up until now. 

Thank you very much for your understanding and your prompt attention to this matter. 

Best Regards, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc.
State: SC

Complaint narrative:
Multiple letters from ARM Solutions, and its client, XXXX, each week abut a {$50.00} " debt '' for document shredding services provided by XXXX on XX/XX/2021. The XXXX XXXX credit card I provided to XXXX before the services were rendered were used to overcharge me by {$50.00}, so I placed this amount was placed in dispute with XXXX in XX/XX/2021. On XX/XX/2021, XXXX XXXX resolved the dispute in my favor. 

On XX/XX/2021, I wrote to ARM Solutions, XXXX 's debt collector and provided documentation which showed the action taken by XXXX. Communication from XXXX and XXXX ceased for 20 months and resumed again about six weeks ago-in the form of multiple letters each week from XXXX and ARM requesting payment. Not only is the claim for payment without merit, the sheer volume of demand letters constitutes harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09 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: PA

Complaint narrative:
To Whom It May Concern : I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below account/s be deleted from my consumer report. 

XXXXDEPT OF ED The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( l ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report. 

Best regards,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09 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: PA

Complaint narrative:
To Whom It May Concern : I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below account/s be deleted from my consumer report. 

XXXXDEPT OF ED The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( l ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report. 

Best regards,

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 2023-06-09 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:
Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, EXPERIAN used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. EXPERIAN reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.

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 2023-06-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I closed on a home equity line of credit at the end of XXXX at local TD bank branch in XXXX, SC. There were 6 creditors to be paid off and as of XX/XX/XXXX, only 4 have been paid in full. I have contacted my loan officer numerous times and he told me that the checks got lost in the mail and would be resent. He told me to keep checking the accounts everyday and to keep him updated. I tried reaching out to him via email and phone and I got no response. I had to keep emailing and calling and leaving voice mails and then he finally called me back. I let him know my frustration and how disappointed I was in this process and that I shouldnt have to keep calling and calling and calling trying to reach him. And that this should have been resolved weeks ago. I have had to make all my XXXX payments for the credit cards that were supposed to have Been paid off when we closed back in late XXXX. And the TD bank loan for the home equity line of credit. Its now XXXX and XXXX XXXX  and XXXX XXXX  ( XXXX XXXX  ) still have not been paid in full as of this morning, XX/XX/XXXX. I have called and emailed my loan officer and he has yet to respond to me. So therefore I am filing this compliant and hope that this can be resolved once and for all.

Company response to consumer: Closed with non-monetary relief