vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-20 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: PA

Complaint narrative:
I have no a knowledge of this account according to the FCRA This item must be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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: PA

Complaint narrative:
I have no a knowledge of this account according to the FCRA This item must be removed

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 2023-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In XX/XX/2022 my parents account at citibank was closed. My account was a custodial account of my parents account and therefore was blocked at that time. Since then I have called citibank many times to close the account and return my funds. They promise to look into it, however, no resolution for 9 months.

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 2023-02-20 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, XXXX XXXX XXXX am submitting this on my own behalf. In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 15 U.S.C 1681section 602 A. States that I have a right to privacy. 15 U.S.C 1681 Section 604A Section 2 also states that a consumer reporting agency CAN NOT furnish a account without my expressed WRITTEN consent. FEDERAL LAW SUPERCEDES ANY COMPANY POLICY. 
-Us Department of Edu account number XXXX  last updated XX/XX/2022 -US Department of Edu account number XXXX  -XXXX XXXX account number XXXX XXXX XXXX  account number XXXX last updated XX/XX/2022 -Us Department of Edu account number XXXX last updated XX/XX/2022 -Us Dept. of Educatio account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: GA

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 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 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 non-monetary relief
Consumer complaint received 2023-02-21 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXXXXXX ; XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2600.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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: SC

Complaint narrative:
On XXXX XXXX2023 XXXX Trans union Consumer Solutions, and XXXX XXXX XXXX XXXX, allowed XXXX XXXX XXXX XXXX, to place an unknown collections account on my credit report. First the company XXXX XXXX XXXX XXXX has no legal standings to collect on such alleged debt. There was no written notification regarding the alleged debt provided to me, the consumer. This is a Violation of the Fair Debt Collection Practices Act ( FDCPA ). This needs to be removed from the credit report immediately.

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 2023-02-20 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: SC

Complaint narrative:
On XXXX XXXX2023 XXXX XXXX XXXX XXXX XXXX, and Equifax Information Services LLC, allowed XXXX XXXX XXXX XXXX, to place an unknown collections account on my credit report. First the company XXXX XXXX XXXX XXXX has no legal standings to collect on such alleged debt. There was no written notification regarding the alleged debt provided to me, the consumer. This is a Violation of the Fair Debt Collection Practices Act ( FDCPA ). This needs to be removed from the credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S| Code 1681e ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

Account With XXXXXXXX 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 2023-02-20 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: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
XXXX XXXX open XXXX XXXX {$1300.00} XXXXXXXX XXXX open XXXX XXXX {$360.00} XXXX XXXX open XXXX XXXX {$5800.00} Credit Acceptance co also the i get denyed by banks never open a account a day in my life need everything gone from my report. 
its say i have a collection of over XXXX i called and i tryed disputing, people say i owe i get denied for house becouse of it, i know the person who used my identity to get things in my name i didnt give access to my credit report till this year my mother been using my name to get thing without my permission. also i got my last name changed due to marrage need everything updated my info and the info on my repoet is wrong. i was a victim of identity theft

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 2023-02-20 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account # XXXX 15 USC 1681 section 602.a states I have the right to privacy. 

15 USC 1681 section 604.a number 2 also states that a consumer reporting agency can not furnish an account without my written instructions, 15 USC 1681c. ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse items of information, other than records of convictions of crimes which antedate the report by more than seven years.

15 USC 1681s-2 ( a ) ( 1 ) states that 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 2023-02-20 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account # XXXX 15 USC 1681 section 602.a states I have the right to privacy. 

15 USC 1681 section 604.a number 2 also states that a consumer reporting agency can not furnish an account without my written instructions, 15 USC 1681c. ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse items of information, other than records of convictions of crimes which antedate the report by more than seven years.

15 USC 1681s-2 ( a ) ( 1 ) states that 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 explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
I have contacted this company several times in regard to the alleged debt and consumer violations. I sent a cease and desist with a request for information that was not supplied line for line and an affidavit of truth which is unrebutted. I have not received any further communication on the account and the account is reporting on my credit reports which is impacting my ability to obtain credit to properly take care of my family.

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 2023-02-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the surname/given name XXXX XXXX XXXX XXXX XXXX and have been appointed and accepted being the executor both public & private for all matter proceeding, and I hereby claim that I will D/B/A XXXX XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it. 

An agent of Target called me @ XXXX XXXX  PST on XX/XX/2023, however i was unable to answer. I gave them a call back @ XXXX XXXX PST XX/XX/2023 in regards to the call. The agent wanted to verify that I applied for an extension of my own credit when I filled out a credit application. I verbally notified them that I, the consumer and natural person did indeed apply for an extension of my own credit. However I was asked to provide Identification, which I notified them I can provide them with a passport. However an agent of Target advised me that they would only accept a state issued ID. I am not in any possession of a state ID, as the natural right of a natural person I can travel among the land without a License. I do not operate in commerce when in my private automobile. I also have the right to identify myself with my passport. 

Unfortunately for this reason, I was discriminated against for not having an ID, and I, the consumer and natural person, was denied credit by TARGET when I applied for a Credit Card. 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k.

You are subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by TARGET due to the response I received.

TARGET is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued.

Furthermore, because my social security number ( credit card ) as defined in 15 USC 1602 ( i ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of TARGET. 

If TARGET fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make TARGET criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. 

I will also follow up with an invoice for said violations ( { {$10000.00} } per violation ). 

Thank you, XXXX : XXXX XXXX XXXX/ [ Agent/Beneficiary ] Without Prejudice, Without Recourse. All Natural Inalienable Rights Reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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: NJ

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under XXXX5 U.S| Code 1681e ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

Account XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: WA

Complaint narrative:
Back in XXXX, I was down of luck guy in my early XXXX. while I was XXXX XXXX in the XXXX where I came across a business who does spiritual life counselling. Now me being nave guy back then, I was like 'Hmmm this sounds cool maybe ill get this a shot. '' So I called the number on the door and few minutes later a short lady named " XXXX '' came behind the parking lot. " XXXX '' was being too friendly than usual and referring to me as " son. '' I went to her sessions after work and talked about my life thinking she's legit while shelling hundreds and hundreds of dollars for her services thinking I have nothing but the benefit of the doubt with " XXXX ''. Things started getting suspicious slowly but surely. She was relocating from her XXXX office to XXXX and frequently disappearing from XXXX to XXXX XXXX where she has close family very often. In XX/XX/, I've reunited with her where she was pulling that act that she's my mom. I went along with it but things went south fast. She put XXXX XXXX XXXX account under my name thinking she's got the funds to paid for it and it'll help boost my credit score. During XXXX  wasn't good year for me. " XXXX '' kept gaslighting and swindling more money for her services during that time thinking my life will improve. I've became increasingly irritated and realizing this isn't adding up. So around XXXX of XXXX, I started to get collection notices for XXXX XXXX XXXX bill, utility bill, etc. which she didn't pay a dime over. Also " XXXX '' got arrested in XXXX, Wa over another identity crime and haven't heard or seen her since XX/XX/2018.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: FL

Complaint narrative:
This company called me and stated I as the cosigner of my daughter 's rental lease owe {$600.00} after she moved out. They gave no reason and stated we both are the hook for an additional {$600.00}. I asked them to provide documentation and a reason why, I also reached out to the apartment company who told me I need to speak with the debt collector only. I called them back and they told me I must pay the {$600.00} and provided no reason. I asked for documentation and they never mailed or emailed or followed up. I contacted an attorney who I paid to request documentation of why we owed {$600.00} and requested documentation be sent to him. They did not send any documentation to him or us and then proceed to put this debt on our credit reports citing extremely past-due fees - we do not know what the fees are for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am having an issue with my Wells Fargo Credit card. 
I keep paying my bill on time with a little extra on it and Well Fargo keeps charging me a late fee. I am a disabled person on a limited budget and can not continue paying the late fee. 

I would like Wellfarg to please credit me back the late fee of {$29.00}

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 monetary relief
Consumer complaint received 2023-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
National Credit Systems is attempting to recover a debt of nearly {$6000.00} from me that was a result of identity theft. Someone had leased an apartment in my name in XXXX, GA and apparently walked away, resulting in an unpaid debt leading to collections. Secondly, the same individual took out an XXXX credit card in my name and purchased upwards of {$5000.00} in furniture, all in person, all within the State of Georgia. Keep in mind, I have never been to Georgia, and live/have lived in Arizona my entire life. I have filed a formal dispute with XXXX XXXX XXXX along with XXXX, XXXX and XXXX. Also, I have a police report filed with XXXX Police along with having reports with the IRS and FTC. Since these actions were taken in XXXX, XXXX and XXXX have since removed this " collections '' notice from my report as well as XXXX has approved my dispute of the credit card and has removed that from my information, as well. However, XXXX, denied my dispute and still reports this on my credit, on top of NCS still attempting to recover.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Friedman Law Associates, PC
State: PA

Complaint narrative:
Friedman Law Associates contacted me and said they could help me get a loan modification to avoid foreclosure on my house. We scheduled XXXX payments to be drafted from my bank account for {$970.00} which they presented as money that went to my mortgage but I later found out it was retainer fees. After speaking with the mortgage company they told me I did not need an attorney and they would help me with my mortgage. I then changed my mind about using the attorney for a loan modification after they had already drafted XXXX payment of {$970.00}. I asked them to please return the money since I chose not to use their services and they will not return the money. Losing {$970.00} is devastating to me as I need that money to put towards my mortgage. I would like the {$970.00} returned to me as I do not think it is fair for them to keep all of that money when I am not using them for a modification.

Company response to consumer: Closed with monetary relief