vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-27 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: CA

Complaint narrative:
I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} ; XXXX XXXX XXXXXXXX Balance {$5500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2022.

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 2023-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AXOS FINANCIAL, INC.
State: AK

Complaint narrative:
My business partner and I have had a business checking account with Axos Bank since late XXXX. I work overseas and have had repeated problems with Axos locking me and my business partner from our account after I attempt to log in from non-US locations. I have communicated with Axos business banking " support '' personnel approximately once per quarter for the last three years, explaining each time that I am logging in from overseas and using a VPN that typically connects to one of several XXXX countries. Each time the " support '' personnel tell me that this information will be documented so the lock-outs don't happen again, and each time the lock-outs continue to happen. This occurred most recently on Wednesday, XXXX XX/XX/XXXX. After an hour on the phone with " support, '' I was told I needed to contact business banking " support. '' Another 1.5 hours were spent with business banking " support '' on XXXX XX/XX/XXXX, at the conclusion of which nothing had been resolved and we were told we would receive a call with further information. No call was received. No emails were sent. 60 hours later we are still locked out of our business checking account, and Axos has provided neither information nor remedy, nor have they provided any contact information for further resolution. This should be a simple problem to fix, and yet Axos has not only been unable to fix it, they have blamed third-party security providers for the problem. The length of time that it takes to resolve simple log-in issues is unacceptable and directly impacts our business productivity. A basic tenet of banking rules is that customers can access the funds which they trust the bank to hold for them. Axos has removed our access to our our own funds, impacting our ability to conduct business and to prepare taxes within a timely fashion and effectively stealing approximately {$12000.00} from this customer 's business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION
State: FL

Complaint narrative:
RESPONDENTS FAILURE TO TIMELY RESPOND TO CONSUMERS REQUEST FOR INFORMATION PURSUANT TO 12 C.F.R. 1024.36 12 C.F.R. 1024.36 ( d ) ( 1 ) Response to Information Request provides that : ( 1 ) Investigation and response requirements. Except as provided in paragraphs ( e ) and ( f ) of this section, a servicer must respond to an information request by either : ( i ) Providing the borrower with the requested information and contact information, including a telephone number, for further assistance in writing; or ( ii ) Conducting a reasonable search for the requested information and providing the borrower with a written notification that states that the servicer has determined that the requested information is not available to the servicer, provides the basis for the servicer 's determination, and provides contact information, including a telephone number, for further assistance.

12 C.F.R. 1024.36 ( d ) ( 2 ) ( B ) Time Limits provides that : ( B ) For all other requests for information, not later than 30 days ( excluding legal public holidays, Saturdays, and Sundays ) after the servicer receives the information request. 

On or before XX/XX/2022, XXXXXXXX SN Servicing Corporation ( hereinafter, XXXX or SN ), received the Consumer XXXX XXXX ( Consumer or XXXX XXXX ) XX/XX/2022 request for information ( XXXX  ). The XXXX XXXX requested, among other items, call notes, loss mitigation documents and information, an accurate pay off balance, the mortgage loan owner/assignees contact information, and other information. In the XXXX, we specifically requested that RESPONDENT send all correspondence to our authorized third-party representative, XXXX XXXX XXXX XXXX  A copy of the XX/XX/2022 XXXX and a copy of the US Post Office XX/XX/2022 delivery confirmation of same, are attached hereto as Exhibits A and B, respectively. 

Unfortunately however, XXXX has failed to investigate and/or respond to the XX/XX/2022 XXXX, and has therefore failed to comply with section ( d ) ( 1 ) of 12 C.F.R. 1024.36. 

Specifically, XXXX failed to comply with Regulation X, 12 C.F.R. 1024.36 ( d ) by not providing the above items to me, the Consumer in a timely manner. By copy of this Complaint, we are once again requesting that XXXX immediately provide us with the items listed in the XX/XX/2022 XXXX  ( See Exhibit A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-01-27 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: VA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-01-27 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: GA

Complaint narrative:
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 1692C These companies below have continued to try an collect a debt that I have no knowledge of and I am protected under certain laws to not respond and to not also give them any money. I've recently filed complaints with the XXXX and my local attorney general office against all of these companies because it is impacting my credit in a negatively way and I get denied for things I should be getting approved for. They reported to XXXX, XXXX and Equifax XXXX XXXX XXXX XX/XX/2023 {$870.00} XXXX XXXX XXXX XX/XX/2023 {$570.00} XXXX XXXX XXXX XXXX. XX/XX/2023 {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Accurate Background
State: OH

Complaint narrative:
I believe that Im a victim of some fraudulent activities. And I want it looked into asap

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: VA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-01-27 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: DE

Complaint narrative:
Credit bureaus Experian and XXXX XXXX are violating my privacy rights according to the fair credit reporting laws15 U.S.C. 1681-1681x. My bankruptcy was XXXX XXXX however it still reads as a open discharge on. 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 2023-01-27 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: VA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-01-27 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: DE

Complaint narrative:
Credit bureaus XXXX and Trans union are violating my privacy rights according to the fair credit reporting laws15 U.S.C. 1681-1681x. My bankruptcy was discharged XXXX however it still reads as a open discharge on. 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 non-monetary relief
Consumer complaint received 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-01-27 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: GA

Complaint narrative:
Credit companies have for years refused to correct my personal information. XXXX has stated that " it's against the law to remove or update names and addresses they are connected to accounts on my file. The other XXXX just say they will and don't follow up even after I called them after 30 days. 

I see that Charges offs are being added to my reports after paying the original companies, All three Agencies see ( after I have called them ) this and have done nothing to remove this, again all three. 

Late payments - missed payments - collections - charges offs should not be listed anywhere on my reports. Soft inquiries and XXXX inquiries should not be anywhere on my XXXX or more reports.

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 2023-01-27 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: GA

Complaint narrative:
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 1692C These companies below have continued to try an collect a debt that I have no knowledge of and I am protected under certain laws to not respond and to not also give them any money. I've recently filed complaints with the XXXX and my local attorney general office against all of these companies because it is impacting my credit in a negatively way and I get denied for things I should be getting approved for. They reported to Transunion, XXXX and XXXX XXXX XXXX XXXX XX/XX/2023 {$870.00} XXXX XXXX XXXX XX/XX/2023 {$570.00} XXXX XXXX XXXX XXXX. XX/XX/2023 {$2000.00}

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 2023-01-27 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: GA

Complaint narrative:
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 1692C These companies below have continued to try an collect a debt that I have no knowledge of and I am protected under certain laws to not respond and to not also give them any money. I've recently filed complaints with the XXXX and my local attorney general office against all of these companies because it is impacting my credit in a negatively way and I get denied for things I should be getting approved for. They reported to XXXX, Experian and XXXX XXXX XXXX XXXX XX/XX/2023 {$870.00} XXXX XXXX XXXX XX/XX/2023 {$570.00} XXXX XXXX XXXX XXXX. XX/XX/2023 {$2000.00}

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 2023-01-27 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: TX

Complaint narrative:
Dear PayPal, I am writing to express my extreme dissatisfaction with the handling of my account by your company. On Tue XX/XX/2022 XXXX PM, a representative " XXXX '' from the " PayPal XXXX XXXX XXXX XXXX '' suggested that " We will make any remaining funds, less reversals or debits, available to you for withdrawal on or before XX/XX/2022, and we will notify you of this via email. '' However, on Wed XX/XX/2022 XXXX PM, I received an email from " XXXX '' from the " PayPal XXXX XXXX XXXX XXXX '' informing me that " the funds are now available in your PayPal account that were held for 180 days ( XX/XX/2022 ) from the date of limitation placed. '' I would like to inform you that holding funds for more than 180 days is not allowed under the XXXX XXXX XXXX. As per the Fair Credit Billing Act ( FCBA ), a consumer has the right to dispute a charge within 60 days of the billing statement. As per the XXXX Funds Transfer Act ( XXXX ), a consumer has the right to dispute an electronic fund transfer within XXXX  days of the transfer. 

Furthermore, I would like to inform you that I do not have any transactions specifically between XX/XX/2022, and XX/XX/2022, the XXXX personal payments totaling {$590.00} as you have stated in your email. I have attached a screenshot to prove this ( Please see attachment ). 

Regarding the statement in your email " We notified you of this action through email the same day and requested that you a photocopy of your valid government-issued identification, proof of shipping, and explain the activity on Account. Later that same day, we received a copy of a screenshot of a picture, which we could not accept '', I would like to inform you that I was not asked to provide any documentation as stated. Instead, I was placed with a direct permanent limitation when I received a XXXX payment from XXXX XXXX. 

In conclusion, I believe that PayPal has mistaken or misunderstood my account situation. I kindly request you to re-evaluate my account and release my funds or to restore my account access back to its normal standing. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Atlantic Recovery Solutions LLC
State: OH

Complaint narrative:
Monday XX/XX/XXXX XXXX make outgoing call because ATLANTIC RECOVERY SOLUTIONS XXXX XXXX where XXXX XXXX gave my debt to kept calling and harassing me to pay them when I told them specific dates that I will be able to make payments. And I made XXXX in payment toward a XXXX debt. Then they keep calling my father in law, husband and bestfriend to collect a debt from me all in a week when I am a broke XXXX XXXX  who isnt working at the moment but is applying to jobs. I have XXXX next week and I will be out for two weeks till I get recovered then can I work full time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: LA

Complaint narrative:
As a third-party intervener this company has negatively impacted me as a consumer. Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail courier or any person affiliated with the postal service or comes in contact with the envelope that alleges I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to XXXX one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation