vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-14 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: MN

Complaint narrative:
in accordance with The Fair Credit act XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account XXXX XXXX, XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX ( Original Creditor XXXX XXXX XXXX  ) Account # XXXX, XXXX XXXXL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX  ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX 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 instruction.

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 2022-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: IL

Complaint narrative:
TrueAccord, a debt collector, has contacted me multiple times about a debt that it know that I do not owe. This company and I have never had any contractual relationship. And its partner/agent, XXXX, likewise has no contractual relationship with me either because XXXX voided our transaction due to a failure to provide a contracted for good. 

As such, TrueAccord is violating federal law my trying to collect upon a non-existent debt, claiming to have bought a right to enforce a non-existent debt and for failing to stop communicating with me about a non-existent debt after being put on notice. I ask the CFPB and other regulators to enjoin, fine and otherwise sanction this debt collector and its partner/agent XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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:
In accordance with the Fair Credit Reporting Act. The following accounts are violating my rights. 


DEPT OF EDXXXXXXXX Last reported XX/XX/2022 {$3700.00} Reported balance DEPT OF EDXXXX Last reported XX/XX/2022 {$3400.00} Reported balance DEPT OF ED/XXXX  Last reported XX/XX/2022 {$3400.00} Reported balance 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 an account without my written authorization.

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 2022-10-14 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The following accounts are violating my rights. 


XXXX OF XXXX Last reported XX/XX/2022 {$3700.00} Reported balance XXXX XXXX XXXX Last reported XX/XX/2022 {$3400.00} Reported balance XXXX XXXX XXXX Last XXXX XX/XX/2022 {$3400.00} Reported balance 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 an account without my written authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The following accounts are violating my rights. 


XXXXXXXX XXXX XXXXXXXX Last reported XX/XX/2022 {$3700.00} Reported balance XXXX XXXX XXXX Last reported XX/XX/2022 {$3400.00} Reported balance XXXX XXXX XXXX Last reported XX/XX/2022 {$3400.00} Reported balance 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 an account without my written authorization.

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 2022-10-14 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: LEXISNEXIS
State: TX

Complaint narrative:
In dispute on my XXXX credit report is Reference # XXXX / Closing Date : XX/XX/2017 / Court : U.S. Bankruptcy Court ; XXXX VERIFIES this account without verified proof of investigation, which is a violation against Texas XXXX XXXX XXXX and Fair Credit Reporting Act. Additionally, In accordance with the Fair Credit Reporting Act ; 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account # XXXX / Closing Date : XX/XX/2017 / Court : U.S. Bankruptcy Court ; Because the Courts and LexusNexis Do not share this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Resurgent stated that they purchased this alleged debt and they have " all rights to ownership, they have the right to collect and the right to report to the consumer reporting agencies. Please provide that proof and the FORWARD FLOW AGREEMENT between the " Current owner '' and the " Original owner ''. Also, provide an invoice/ bill of sale of this alleged debt. I am also requesting the aggregated value of the purchase OF THIS ALLEGED DEBT between the CURRENT OWNER AND ORIGINAL OWNER ... RESURGENT IS REPORTING THIS ALLEGED DEBT TO MY CONSUMER FILE, IS ALSO A VIOLATION UNDER FCRA, ACCORDING TO 15 USC 1681b ( a ) ( 2 ) I, the federally protected consumer never gave written instructions to furnish anything on my consumer file. Please send me proof that I gave the " original OWNER '' or the " current OWNER '' WRITTEN permission to report or furnish anything on my consumer file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: GA

Complaint narrative:
Filed a dispute with Equifax on the XX/XX/2022, and today XX/XX/2022, they respond. Not only my dispute took over 30 days, which is a violation of my rights under FCRA section 611. They also responded that I have never applied for credit in the past 10 years nor do I have a social security card, but I have fraudulent negative items being reported on my credit report from their company. Please investigate thoroughly and resolve within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: Monterey Financial Services LLC
State: MA

Complaint narrative:
XXXX and other credit agencies did not delete a debt reported by Monterey Collections of appx {$2000.00} in XXXX XXXX from an original creditor identified as " XXXX. '' XXXX is a defunct business headquartered in XXXX XXXX and XXXX which sold interests in a vacation club that did not exist. I personally paid almost {$50000.00} to XXXX but in XXXX  legally transferred my interest which had been sold to XXXX, but which ceased to have any value whatsoever. 

Every effort of XXXX to XXXX was disputed as was every attempt at collection by Monterey. Neither entity submitted proof that the debt was valid. I also contested with XXXX, and they only verified that the debt was valid. They did so only by reviewing information from Monterey as XXXX no longer exists. The owner of XXXX is apparently in XXXX for XXXX and it is my belief that Monterey is knowingly attempting to collect on a fraudulent debt from a fraudulent company that no longer exists.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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:
I have submitted over XXXX letters to the credit bureau and nothing has happened I feel humiliated and frustrated now the lender ( XXXX XXXXXXXX XXXX ) has sent me a letter to have XXXX XXXXXXXX blocked and removed from my file they request the removal and so do I of the account immediately! I have attached proof this is me XXXX XXXX not a third party

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 2022-10-14 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:
I have submitted over XXXX letters to the credit bureau and nothing has happened I feel humiliated and frustrated now the lender ( XXXX XXXXXXXX XXXX ) has sent me a letter to have XXXX XXXXXXXX blocked and removed from my file they request the removal and so do I of the account immediately! I have attached proof this is me XXXX XXXX not a third party

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: Avant Holding Company, Inc.
State: GA

Complaint narrative:
Avant violated 15usc6802 also known as the Gramm-Leach-Bliley Act, they disclosed my non public personal information ( loan balance, amount of the loan, etc.. ) to non affiliated third parties ( XXXX, XXXX, and XXXX ) without giving me the proper disclosures, one of which would have given me the ability to opt out of having my information reported to the credit bureaus. They also violated 15usc1681a ( 2 ) ( A ) ( i ) of the Fair Credit Reporting Act by reporting transactions between me ( the consumer ) and the person making the report ( avant is a person by legal definition because they are a corporation ) 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
I initially contacted MOHELA on XX/XX/22 to receive reimbursement for my student loan payments made during forbearance. I was told my reimbursement would be received via direct deposit up to 30 days. Currently as of XX/XX/22 I have not received any deposit to reflect my request. 

I have been attempting to contact the servicer to request an update on this matter but customer service is unreachable due to unrealistic wait times. The call menu is a blockade of automated messages followed by confusing selections to be added to the waitlist of callers. Once added to the waitlist the wait times have been XXXX minutes or longer. I have had no ability to speak to a representative due to this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to you, as I was a victim of wire fraud during a real estate transaction recently, and I was unable to get information regarding my claim until an email was received today from Wells Fargo, with incorrect information and stating that I would not receive my money back. Prior to today, XX/XX/2022, every time I called I am transferred a minimum of 7 times, and everyone states that they can not help me and need to transfer me again. After an hour of this or more daily, I hang up. I also have had Wells Fargo employees telling me different things, and some who have stated that they can not find the claim. I have emailed the Board of Directors at Wells Fargo last week, and still not one of you has had the decency to contact me regarding this matter. Today, I spoke with XXXX XXXX. To follow up on the email I received and explained that I had wired the money on XX/XX/2022, and on XX/XX/2022, I reported that the title company that the money was sent to, just notified me that they didnt receive the money and report that the wire instruction email was intercepted by fraud.. XXXX stated that the records show that it was reported that I notified them on XX/XX/2022, and there was nothing else they could do to help me. That {$18000.00} was my entire savings and I am currently homeless, have no money and in a state that I recently relocated to. I have been in tears daily, explaining this over the phone or in person to Wells Fargo employees, and nobody will help me. I was initially told by your Wells Fargo that I would receive my money back in a maximum of 10 days, and that was on the day reported, XX/XX/2022. however, It has been much longer than that and I can not even receive an update. The FBI was notified after I was aware of the situation too. This is ridiculous and horrible customer service, and I need I am definitely going to remove the little bit of money I have in Wells Fargo and transfer to a better bank ; Wells Fargo has been incompetent and not following their own CODE OF ETHICS. Why would anyone want to have their money in your bank when this is what happens. Banks are supposed to protect customers and treat them with respect and as a human being and protect their money when things like this occur. I have spent so much time and energy on this issue and have not received any further information than was given to me the day that I reported the claim. This situation is extremely stressful, and Wells Fargo has just made it much worse than it needed to be and they are not assisting me with this situation. I would appreciate anything you could do to help me or guide me in the right direction, as I lost my entire savings. 

Thank you 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 2022-10-14 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 aggrieved and damaged due to the fact it is well over 90 days since I have notified Transunion to please investigate my credit report. Account # XXXX showing credit limit {$3000.00} past due {$80.00} is disputed ; On my XX/XX/2022 credit report lists account as : " Dispute Resolved '' I do not consent and I DISPUTE this account in its entirety! There was no thorough investigation, and Transunion is violating my Texas consumer rights and federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account XXXX XXXX is violating 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 an 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 2022-10-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/2022 I paid {$1100.00}, {$550.00} each transaction, to XXXX for one way flight tickets to XXXX from XXXX, using PayPal Credit. These tickets had rebooking terms that stated I would only be responsible for fare difference and monies paid would go toward the rebooking cost. When I needed to rebook on XX/XX/2022 the terms were honored, but they were not honored when I needed to rebook on XX/XX/2022. I disputed both {$550.00} transactions, one of which I had already fully paid off, the other I had made over {$100.00} in payments towards, with PayPal Credit aka Synchrony Bank on XX/XX/2022 and on XX/XX/2022 I received an email from Synchrony Bank stating they could not continue with my dispute because I already disputed these transactions with my financial institution. I reached out to Synchrony Bank via live chat the same day, as I paid with PayPal Credit aka Synchrony Bank, so its impossible for those charges to be disputed anywhere else. I was told by the agent that the disputed had been resolved in my favor and credits for the amount of both {$550.00} transactions had been credited to my account permanently. I made sure to confirm these were not temporary credits while the dispute investigation was ongoing ; I was assured it was permanent and the dispute was resolved. However, one credit was reversed on XX/XX/XXXX with no explanation.

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 2022-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: LendingPoint Holdings LLC
State: MO

Complaint narrative:
I am filing this complaint about lendingpoint LLC regarding an alleged debt that is in dispute. On XXXX XXXX, I mailed a notarized affidavit certified mail to the company citing various violations of the FDCPA and requesting a response from the company as well as compensation within a months time. No response was received, and the company continues to violate my consumer rights as well as harass and defame my character. Their repeated phone calls during business hours interrupt my daily business as I am currently self-employed as well as their emails inundating my mailbox with correspondence including harassing language about reporting information to the credit reporting agencies and attempts to collect a debt. Lendingpoint has failed to rectify the situation and/or respond in any manner and continues to attempt communication when they were asked to cease their harassment. They were also invoiced for XXXX worth of violations. They are in violation of the following : 15 USC 1692b. ( XXXX ), 15 USC 1692b. ( XXXX ), 15 USC 1692f. ( XXXX ), 15 USC 1692d. ( XXXX ), 15 USC 1692c. ( XXXX ), 15 USC 1692c. ( XXXX ), 15 USC 1692c. ( XXXX ). They continue to violate my right to privacy and their reporting of negative information to all three credit agencies has resulted in emotional distress, loss of the ability to conduct proper business and is a direct defamation of character which includes my credit score and ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My credit usage and balances went down and Equifax dropped my credit score XXXX XXXX There is also a fraudulent account XXXX XXXX XXXX that remains on report after disputing with identity theft report and police report.

Company response to consumer: Closed with explanation