vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-22 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 act XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-03-22 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 act XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2023-03-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I received a paycheck protection loan from Bank of America. The refused to process my repeated request for loan forgiveness or to appeal the full loan amount. I have fully paid back the loan and received several letters stating the government has forgiven the full loan amount, but Bank of America refuses to reimbursement for the several thousand I have pain back already. Everyone I contact them ( repeatedly for years now ) they act as if they have no information regarding my loan. Every time I have to repeatedly contact them escalate the issue and there is always a new reason why they wont reimburse me. These banks received insane amounts of money from the govt for these PPE loans and they just keep bullying and stealing from the small businesses they were supposed to protect. Please help me get this resolved i am under financial hardship and could Lose my business.

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 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

REMOVE ALL FRAUD ALERTS AND FRAUD MARKERS/INDICATORS FROM MY FILE

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 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
EQUIFAX is reporting a charge-off on my consumer report. That is incorrect and inaccurate information. The IRS clearly defines a charge-off as Gross or Ordinary income ; Publication 4681. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which in fact makes the reporting of this account inaccurate and also the reporting of this account as a debt, is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: LA

Complaint narrative:
Please See Attached account disputes documents detailing inaccurate reporting practices on my consumer report that are violating my consumer rights and damaging my reputation and credit history in the eyes of creditors past and present. 

As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. By definition, the IRS clearly states, the charge off is income, the reporting of this account as inaccurate.

I dispute any debt these companies claims to have on me.

You must stop all collection activities. Do not call my telephone number. If you were ever giving permission to call this telephone number I am revoking that now.

My demands are : For you to provide me the audit trail This is what I need included in the audit trail : * Account file * Ledger * All accounting documents * The transactional history

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 2023-03-22 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:
The credit agencies continuously disrespect the laws. I have showed them on many occasions, how they are violating the Fair Credit Reporting Act. 
According to 15 U.S. Code 1681i ( 5 ) the credit agencies must modify or delete accounts that are not reporting accurately.

According to 15 U.S. Code 1681b ( 1 ) the credit agencies dont have any written permission.

According to 15 U.S. Code 1681 I have the right to privacy.

According to 15 U.S. Code 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can further expand on the negligence. 

The credit agencies have no respect for the laws or me as a consumer. 

They should be held accountable for their daily actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: IL

Complaint narrative:
I'm extremely disappointed in the way this company has treated me for not responding to the dispute I sent a couple of weeks back. This company has violated my rights, and this is unacceptable.

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 2023-03-22 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have unrecognized and unauthorized credit inquiries on my report. I have never had any accounts with any of these named inquiries, nor have i applied for credit with any of them. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: TN

Complaint narrative:
In accordance with the fair credit reporting act. This creditor has violated my rights under 15 USC 1681 sections 602, which states i have a right to privacy.15 USC 1681 section 604a section 2 it alsostates that consumer reporting agencies can not furnish a without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open and consumer plan as late for any reason. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-03-22 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: TN

Complaint narrative:
In accordance with the fair credit reporting act. This creditor has violated my rights under 15 USC 1681 sections 602, which states i have a right to privacy.15 USC 1681 section 604a section 2 it alsostates that consumer reporting agencies can not furnish a without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open and consumer plan as late for any reason. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-03-22 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: AMERICA FIRST FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I have an auto loan from America First Credit Union, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called America First Credit Union and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 days late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and America First Credit Union with no successful resolution. XXXX, XXXX, and XXXX reported me 30 days late in XX/XX/2023. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied International Credit Corp., (US)
State: NJ

Complaint narrative:
To Whom It May Concern, This is an attempt to collect a debt by XXXX. 

I am wrongfully being charged for an amount of {$450.00} by XXXX to collect a debt for an item that i sold almost 2 years ago on XXXX. 

Here is the history regarding this transaction. 

I sold an XXXX XXXX Laptop to a buyer on XXXX. The buyer opened a case against me saying that he never received the item which was NOT true. Upon my own investigation of checking with his local post office it was determined that the buyer did indeed pick up the item from his local post office. 

When i contacted the buyer asking why he said he didnt receive the item he opened another a case again saying that the screen of the laptop had a pixel that was damaged which again was NOT true at least once the item left my possession. I made sure to check the item and take pictures of the item showing no signs of damage to the screen while in my possession. 

As a result and over time XXXX made an attempt to take the money out of my checking account for the full amount of {$450.00} which i put a stop to by removing my credit card on file which is why there is an outstanding balance. I didnt feel it was right for this buyer to try and scam me out of the item that i sold him and he still has in his possession saying that he never received it and than saying that it had damage to the screen all while trying to have XXXX reimburse him in full while i am out of a laptop and the money. 

Fast forward to late last year and earlier this year... 

i contacted XXXX and and spoke with many different people in various departments ranging from XXXX to collections etc.. and after explaining my story to one of the support people they informed me that the buyer who purchased my laptop has been removed from the platform and is not verified coming from XXXX XXXX and i was informed by the XXXX support person that this was an attempt by this person to scam me out of the money and laptop and saying that this outstanding balance would go away and that i would not be held responsible for it. 

I called again and again speaking with different people and unfortunately nothing has been resolved as i check by logging into my XXXX account only to see that my account has been suspended as a result of this issue. 

Now most recently i have received a bill from a collection agency Allied International attempting to collect a debt for the {$450.00} which is the total amount for the sale of the laptop that was done on XXXX. 

This is totally wrong and i am extremely upset and can not believe a company like XXXX would favor someone trying to scam me. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, i lost my phone and wallet, within a week a see some chargers from XXXX XXXX on my bank account from Wells Fargo, I called my bank and tell them everything that I lost my phone and card, they filed a claim, for {$1400.00} which were all from XXXX XXXX as you can see in the pics, fyi I dont have cash app or use it at all, this claim was made as soon as I found out, they credited me {$1400.00}, past 20 days, {$1100.00} gets taken out of my account, remember my claim was for {$1400.00} I called Wells Fargo and ask them what happened, and they said that the merchant presented proof that I made those payments which I responded what proof? No answer, and then I said if they presented proof you wouldve taken the {$1400.00} all but you didnt and only took {$1100.00} which is already a lot, they lady on the phone just stay quiet and said that they couldnt do anything else, Im really mad and sick, this is not funny I want my money back, because I didnt authorized/make those transactions and it doesnt make sense why they didnt take the whole {$1400.00}.

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 2023-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Auto Advantage Finance, LLC
State: OK

Complaint narrative:
XXXX Spoke to XXXX and let her know that I was wrongfully terminated and that I am receiving unemployment. I told her I was waiting to receive my card from unemployment. I ask for a payment date change and was told that I could not change my payment date due to unemployment is consider temporary. I explained to her that my unemployment was approved due to being wrongfully terminated and that it was guaranteed until I find another job. She then lets me know that my car will be disabled but of course they dont tell you when. I also explained that I would continue to be late unless payment dates were changed. I literally have a {$6500.00} balance remaining until I pay off my vehicle. It would be nice if they would have let me provide proof to show that this is why I am having trouble paying my payment. If my car is disabled it would be a first since getting my car in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: WA

Complaint narrative:
This is the third complaint I have made to CFPB regarding this issue. 

Citizens has now said that we canceled the modification on two seperate dates. On XX/XX/XXXX a represenative in Loss Mitigation told me that there were notes on my file that I called on XX/XX/XXXX to cancel my modification. XXXX XXXX responding on behalf of Citizens ' to my CFPB Complaint # XXXX, states that bank records indicate I called on XX/XX/XXXX to cancel my modification. Attached is the 'No Oral Agreements ' page of the modification as well as my phone records for XX/XX/XXXX and XX/XX/XXXX. No call was made to Citizens ' or the VA. 

If the VA is communicating to Citizens that they can't use my original paperwork because of the error in numbers signed and accepted by all parties, then Citizens needs to write-off the mistake they made and honor the terms signed by all parties. Had they done this in a timely manner to begin with, all parties could have signed the new numbers and this would have been handled long ago. This is now 13 months of fighting to get this straigtened out. And there are a couple of significant reasons that we are not willing to complete an entirely new package. Number 1 - interest rates are significantly different than they were when this fully executed modification was put into place and we made eight payments as agreed on the modification. Number 2 - our credit score has taken a substantial hit due to Citizens ' errors. 

I received two letters both dated XX/XX/XXXX. One indicates that I have contacted Citizens requesting information regarding Foreclosure Prevention options and that XXXX XXXX would be my one and only contact person at Citizens. The second indicates that Citizens has received my request for Loss Mitigation assistance and my financial package that they are in the process of reviewing. Again, Citizens is contradicating themselves and providing information that is untruthful. At what point does someone take action and make Citizens fix THEIR mistakes without it having a substantial consequence to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
So, I owe money and I have my phone settings to have callers I dont know go straight to voice mail Everyday I get multiple calls from different numbers. I have not contacted them about it. 
For example, on XXXX XXXX I received three phone calls with two hours. One phone number was XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX The day prior to that day I received these calls XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX Every time Ive picked up theyve been looking for me and they always say theyre a debt collector calling about the debt I owe.

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 2023-03-22 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: Westlake Services, LLC
State: IL

Complaint narrative:
I'm extremely disappointed in the way this company has treated me for not responding to the dispute I sent a couple of weeks back. This company has violated my rights, and this is unacceptable.

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 2023-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have unrecognized and unauthorized credit inquiries on my report. I have never had any accounts with any of these named inquiries, nor have i applied for credit with any of them. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-22 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have unrecognized and unauthorized credit inquiries on my report. I have never had any accounts with any of these named inquiries, nor have i applied for credit with any of them. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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