vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-06 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: NJ

Complaint narrative:
Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX  # XXXX, Account 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: VA

Complaint narrative:
This company has not furnished a contract with my signature on it in blue ink agreeing that I owe {$160.00}. 
Also In accordance with The Fair Credit reporting act this creditor has violated my rights. Under 15 USC 168 1 section 602 says I have the right to privacy.. Under 15 USC 1681 604a section 2 a consumer reporting agency can not furnish an account without my written instructions. Under 16 USC 1666b a Creditor can not treat a payment on an account that's open on a credit report as late unpaid or in collection. Private information was transferred without my permission. I have a common law copyright on my name XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting and 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 2. It also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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:
Equifax, There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transaction to be reported on my consumer report. I am requesting that the reporting of this information be blocked or deleted. MY REQUEST TO BLOCK IS NOT BEING MADE IN ERROR ; NOR IS MY REQUEST TO BLOCK BEING MADE ON THE BASIS OF MATERIAL REPRESENTATION OF FACT BY ME RELEVANT TO THE REQUEST TO BLOCK THE IDENTIFIED TRANSACTIONS, NOR DID I RECEIVE POSSESSION OF GOODS, SERVICES, OR MONEY. I AM NOT A THIRD PARTY OR CREDIT REPAIR SERVICE. THIS STATEMENT IS COMING DIRECTLY FROM ME THE CONSUMER. The identified transaction is not information related to any transaction by me the consumer. 



DELETE OR BLOCK THE FOLLOWING INQUIRIES : XXXX, XXXX XXXX You are required to do what I am requesting and block these transactions from being reported on my consumer report within 4 days from the date of receipt of this notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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. The list of accounts below has detrimentally affected me and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX 15 U.S.C

1681 section 602 A States I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2 Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : 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. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06 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: CA

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

Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A States I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2 Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : 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. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Recently I did an investigation on my credit which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate and questionable items! 
I have communicated with the reporting agency and told that these things were not accurate information.

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 2022-10-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: NC

Complaint narrative:
I was charged XXXX for and apartment I never moved into. I informed the leasing office prior to me moving in that I would not be moving in. I never had a lease agreement. They still charged me XXXX for unpaid rent but I never lived in the apartment. 

XXXX XXXX NC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting and 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 2. It also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting and 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 2. It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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:
In accordance with the Fair Credit Reporting and 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 2. It also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
I requested a transfer of an IRA CD prior to US Bank charging a maintenance fee. They failed to transfer the CD and charged a fee. After discovering the problem, they have finally transferred the IRA but still charged the fee and have not reimbursed me for it. In fact, the branch manager said they did not reimburse maintenance fees. I believe they owe me for the {$30.00} fee, since the request was made before the assessment and any error is theirs. The XXXX XXXX the account was transferred to had to contact the XXXX XXXX  in order to get them to transfer the funds.

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 monetary relief
Consumer complaint received 2022-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Service Company, INC
State: MI

Complaint narrative:
Credit Service Inc has violated my rights under the FDCPA. Pursuant to 15 ISC 1692a-3 I was never obligated nor responsible to pay you for an alleged debt. I have not received a notice that I have a right to dispute nor any correspondence from this company to validate they are collecting on the correct debt. I have not contracted with Credit Service and have no business with you or employees of Credit Services Inc as to the alleged debt. You are now on Notice to Cease Communications from me from all mediums including my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: GA

Complaint narrative:
My loans were transferred from XXXX XXXX to MOHELA on XX/XX/2022. Firstly, based upon information on the transfer page of their website, my account information should have been accurate as of XX/XX/2022 ( see attached document entitled " Servicer Transfer Status XXXX '' ). Secondly, based upon information previously viewable on my account page, my account information should have been accurate by no later than XX/XX/2022. Thirdly, based upon the explanation of the timeline of transfer, my account information should be visible ( see attached document " Welcome - Transfer to MOHELA '' ). Unfortunately, as of XX/XX/2022, my account information is currently inaccurate, showing good standing but a balance of {$0.00} ( see attached document " Mohela Account Home XXXX '' ). As I have not completely paid off my loans, my balance should not reflect {$0.00} and this information is incorrect. As a result, I attempted to call MOHELA on XX/XX/2022 about this discrepancy but the automated system informed me that they had no information about my account. Similarly, I can view no detailed information in my online account ( see attached document " Loan Detail Information MOHELA XXXX '' ). I do not understand why I am still unable to view accurate account information after being informed that my account should be up to date as of yesterday.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Got a call from a collector saying I owed money to Best Buy from XX/XX/2017. Yes I bought a tv and yes I paid it on a Best Buy credit card and yes I have all my on line receipts and yes its been paid off along time ago. Im thinking they got information from the breach that took place between XXXX through XXXX. Its not enough they called me but also my ex-husband with this debit.

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 2022-10-06 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor, XXXX XXXX, has violated my rights under 15 USC 1681 section 602 states, I have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b, a creditor may not treat a payment on a auto loan account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
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 has violated my right 15 U.S.C 1681 section 602A. States I have the right to privacy 15U.S.C. 1681 Section 604 A Section 2 : It also Sates a Consumer reporting agency can not furnish an account without my written instructions 15U.S.C. 166b A Creditor May not treat the payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2022-10-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
Im challenging Affirm placing items on my credit report. I called them starting in XX/XX/2022 to resolve an account that was opened in my name as identity theft. I came across the account when checking my credit report with XXXX. When I requested numerous times for the account to be shut down and charges removed I was denied. After seeing someone had an account and credit card attached as payment forms, I attempted multiple times for the payment to withdrawn out of the persons account but it kept declining. When I finally tried the credit card on file, one payment cleared but when I attempted to process the other loans they had open the person went in and removed their account leaving a balance of loans. I did this because Affirm refused to close the account with the loan balances even though they were able to see the payment types had no connection to my info. Eventually I paid the balance to keep the account from going into collections and hurting my credit but Affirm reported the late payment anyway causing my credit to drop XXXX points even though I tried for 4 months to get a resolution from them that ultimately resulted in my credit being negatively impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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:
In accordance with the Fair Credit Reporting Act, this creditor, XXXX XXXX, has violated my rights under 15 USC 1681 section 602 states, I have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b, a creditor may not treat a payment on a auto loan account under an open end consumer credit plan as late for any purpose.

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 2022-10-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc.
State: AL

Complaint narrative:
Got a loan from tower loan. Been struggling to pay. They wont work with us, but are harassing us, our family, friends, coworkers. Threatening, hostility, aggressive, dishonestly, screaming at me, accusing me of actual physical things that I did not do, stalking me, definitely, please call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
paypal is a fraud company they stole my money that I have received as donation to my paypal fundraiser they just withdraw all credit to themselves without even sending me a notice about it on the phone they hang up impossible to email them. they have taken away the email option I created a paypal fundraiser that was approved by paypal ( photo attached ) all the sudden it got blocked so I could not access my donations IT WAS A PAYPAL FUNDRAISER TO RECEIVE DONATIONS IN ORDER TO BUY A NEW CAR! WHICH I NEED FOR MY WORK! 
AND NOW THEY JUST STOLE ALL MONEY ALTHOUGH I WAS TOLD IT WILL BE PAID OUT AFTER 180 DAYS THEY OWE ME XXXX USD

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL

Complaint narrative:
Wakefield associates claiming I owe debt reported on my credit report never heard of company or did business

Company response to consumer: Closed with explanation