vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Financial Management Solutions, LLC
State: GA

Complaint narrative:
I lived at this property for over a year I had ended up not being able to pay the rent due to covid the government ended up paying my balance to XXXX $ and paid up to the next month which was XXXX which was paid as well i called the rental office and they told me that I can move out and that I had to give them a 30 day notice I told them that I had already moved out which was now XX/XX/XXXX and that I didnt want to do a 30 day notice mind you I was on a month to month by that time I had my brother turn my key in because when I moved I moved to a new state and didnt want to leave it in the drop box they billed me for another month and the rent was XXXX when I lived there I have a XXXX $ balance on my credit report which is illegal to charge me when 1 i moved before they are saying I moved and 2 thats not the amount that 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 2022-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
This account is fraudulent and was opened from someone who broke into my vehicle and stole my person information. I do not owe any of this debt because it is FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: PA

Complaint narrative:
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 NO ADDRESS ON FILE Dear Sir or Madam, I saw that the companies above pulled my credit report on XXXX, EQUIFAX, XXXX. 

I do not understand why they believe they had the right to do this. I did not give a permissible purpose to anyone pull my private credit report. 

Please tell the credit reporting agencies to delete the inquiry or tell me in writing how you had the permission under the Fair Credit Reporting Act to pull my credit report. 

Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FinCo Services Inc DBA Current
State: KS

Complaint narrative:
On Monday XX/XX/2022 XXXX was taking out of my account with Current using my virtual card and used at XXXX. I have no knowledge of the charge and because current doesnt operate as a real bank or a decent mobile bank its hard to get any real answers. Today a rep XXXX which I have no idea if shes even a real person cause they dont have a phone number just support in the app said my XXXX kicked in, something I knew nothing about and never received a notification for but she said it was used. I believe someone from current stole my money cause theyre the only ones with access to my account other than me and knew about the overdrive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: MN

Complaint narrative:
Was victim of identity. And TransUnion refuse to move hard inquiries from my credit profile that was the results 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 2022-10-05 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2022-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: MN

Complaint narrative:
Affirm is claiming I owe a debt with there company when I was victim of identity theft. Affirm have 2 different addresses with this fraudulent account one wich I have never been resident at. Affirm claim that this account was being paid off. And thats there proper investigation of stating that I on this fraudulent account. Affirm refuses to send me proper evidence such as acc numbers statement or bank account wich this account was used to be opened. I spoke with affirm fraud department wich said they would do a proper investigation. They did not. I will be filing a complaint with my states attorney office as well. For discrimination and reporting false information thats fraudulent. Knowing that I was victim of identity theft. I never received any bank statements or application for this company to back there claim wich I so clearly asked for. They telling me its my account because the loan or whatever account was open with them under my name was being paid. And I guess the payments stop not sure because this company refuses to give me that information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: KEYCORP
State: NY

Complaint narrative:
I got a deposit from my uncle which is a loan for my debt with XXXX bank which is {$8500.00} and my uncle sent me {$11000.00} because thats the amount of the loan you requested and key bank has put an hold on it for up to 3 weeks now and also your social security came in also and they didnt allow you to take that out also asking for a prove of the {$11000.00} why your uncle has already made contact with them and key bank stole your {$65.00} from your account why you are in quarantine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
TransUnion, XXXX and XXXX are reporting account incorrectly stating invalid account # stating a balance of {$190.00} reporting incorrect day last reported, date last active and missing data on date of last payment. Stating account as being a Installment when true account type was checking account. There is no possible way that there can be a balance when I never borrowed money from this creditor. 
XXXX is reporting perfect payment history with one charge off on XX/XX/XXXX. This is not possible! Yet, missing data on date last payment. Account has been reporting a balance of {$190.00} since XXXX it is XXXX an account is still reporting a balance of {$190.00} with payments up to XX/XX/XXXX. If account is reporting payments up to XX/XX/XXXX the {$190.00} shouldve been paid off by now. Account is a total mistake delete 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 2022-10-05 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
XXXX, Experian and XXXX are reporting account incorrectly stating invalid account # stating a balance of {$190.00} reporting incorrect day last reported, date last active and missing data on date of last payment. Stating account as being a Installment when true account type was checking account. There is no possible way that there can be a balance when I never borrowed money from this creditor. 
XXXX is reporting perfect payment history with one charge off on XX/XX/XXXX. This is not possible! Yet, missing data on date last payment. Account has been reporting a balance of {$190.00} since XXXX it is XXXX an account is still reporting a balance of {$190.00} with payments up to XX/XX/XXXX. If account is reporting payments up to XX/XX/XXXX the {$190.00} shouldve been paid off by now. Account is a total mistake delete 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 2022-10-05 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: FL

Complaint narrative:
There appear to be a internal coding error of inaccurate information VIOLATION OF FCRA AND REQUISITE XXXX COMPLIANT REPORTING STANDARDS nonconsensual reporting to my consumer file in connection to said mentioned UNAUTHORIZED INQUIRY XX/XX/2021 XXXX my consumer right to privacy has been violated pursuant to 15 U.S. CODE 1681 section 4. congressional finding and statement of purpose : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumer right to privacy. 15 U.S CODE subsection 6801 protection of nonpublic personal information ( A ) privacy obligation policy It is the policy of congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumer customers and to protect the security and confidentiality of those consumers nonpublic information. 12 U.S CODE SUBSECTION 1843 Interests and nonbonding organizations ( k ) ENGAGING IN ACTIVITIES THAT ARE FINANCIAL IN NATURE 15 U.S.C CODE DEFINITIONS ( 3 ) ( A ) ( 4 ) NONPUBLIC PERSONAL INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: IN

Complaint narrative:
As of XXXX XXXX XXXX I recieved a correspondance from transunion regarding the results of the investigation file number XXXX XXXX, Upon carefully looking at the report i noticed that the investigations results regarding in anledged bankruptcy report XXXX XXXX XXXX Indiana XXXX # XXXX. Transunion is stating that they verified is accurate on a previous dispute I included a letter from the bankruptcy court stating that the court and the clerk does not sell or provide the information that is considered under the fair credit reporting act 15USC1681 I have a right to privacy and they have not contained consent as requied the fair credit reporting act to publish personal information under 15USC code 1681e compliance procedures section b the accuracy of the report states whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assume maximum possible accuracy of the information concerning the individual about whom the report relates. In 15USC 1681 section 602 states Congressional Findings and statement of purpose 15 USC 1681. a. ) Accuracy of fairness of credit reporting The congress makes the following findings. section 4 There is a need to insure that consumer reporting agencies exercise their grave responsibilties with fairness, impartiallty, and respect for the consumer 's right to privacy. Under section e the term investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a crditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. In the same report i recieved investigation results regarding XXXX XXXX XXXX finance account number XXXX I previously disputed some late payments that is being reported by XXXX XXXX. Transunion has failed to conduct a proper investigation regarding the accuracy of the late payments. 15 USC 1666b timing of payments the late payments are being recored by XXXX XXXX XXXX XXXX  is incorrect and must be deleted 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 2022-10-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Solutions, LLC (KY)
State: NC

Complaint narrative:
I keep receiving an invoice from a so-called debt collection company for medical procedures that my Insurance company said they did not bill me for. When I call the number on the invoice to talk to someone, no one answers, and a recorded message from a woman who sounds like she has been smoking for 100 years says I have to leave a message. I did not leave a message because I already called my Insurance Company to find out that all of my pathologies were sent to a completely different company. Plus I was not at the doctors on the day they claim the service was completed on. The letter implies it wants you to reach out to them so they can obtain additional personal information on the person they are scamming. The only info they have is my address which is public information. I just wanted to report this so others do not fall for this same scam. 

Information from the invoice includes : Company Name : CREDIT SOLUTION $ LLC Collection Amount : {$240.00} From : XXXX XXXX XXXX Date of service : XX/XX/22 NC XXXX XXXX XXXX XXXX # XXXX Account # XXXX Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2022-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I initiated an electronic balance transfer through " XXXX XXXX '' on XXXX XXXX XXXX XXXX on XX/XX/2022. XXXX XXXX states they paid the receiving bank " XXXX XXXX  '' on XX/XX/2022. XXXX XXXX has never received the payment. XXXX XXXX denies any wrong doing. XXXX XXXX has no information, because THEY WERE NOT PAID. XXXX XXXX refused help on XX/XX/2022, XX/XX/2022, and reluctantly opened a case on XX/XX/2022. XXXX XXXX still has not received payment and the date today is XX/XX/2022. XXXX XXXX will not provide more information. XXXX XXXX is reporting that I owe them the debt on all credit bureaus despite not paying XXXX XXXX XXXX XXXX states they will fine me, and report negatively on me if I do not pay them. I do not feel comfortable making a payment on a debt that is not valid. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted the following dispute letter outlining the blatant errors on my report. The bureau failed to investigate the error and instead returned a response that the item was " updated ''. They have also ignored my requests for proof of the investigation. By law credit information must be 100 % accurate or it must be removed. Disputes are also legally required to be properly investigated. This bureau has been using evasive tactics to violate the FCRA. 

Subject : Disputing Information in Credit Report I am writing to dispute the following information in my file. 
These credit accounts are reporting completely inaccurate information. The last payment date wrong. Transunion is reporting the last payment date as XX/XX/2021, but XXXX is reporting the last payment date as XX/XX/2021. This is an obvious discrepancy. Both payment dates are wrong as I have not authorized any payments from my bank to this company and all attempts were blocked by my bank. Both of these dates are inaccurate and are not consistent with what is being reported. 

The account is listed as : XXXX XXXX I also noticed another account that is reporting inaccurate payment history. The following account : XXXX XXXX XXXX XXXX Is reporting on Transunion that there is XXXX late payments and on XXXX it is reporting that there is one 30 day late, one 60 day late and three 30 day late payments. This is also a clear reporting error that is inconsistent and incorrect I am requesting that these items be removed. By Law, any erroneous or inaccurate information must be removed from the consumers credit report. 

Enclosed is documentation supporting my request : I have attached photos of the incorrect dates and payment history on the accounts The Accounts in question are listed as ; XXXX XXXX XXXX XXXX XXXX XXXX  Please investigate this matter and delete the disputed items I have attached proof of the discrepancies as well.

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 2022-10-05 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:
Please see my attached documents and have the companies remove all unauthorized items immediately. In the attached documents I have provided and stated all information necessary to have these items removed from my consumer report. These companies shall provide me with substantial documentation on how they made their decision if accounts are not removed promptly. They have to prove one, I gave them permission to furnish and two, I was clearly giving an opportunity to opt out of reporting in which the law allows if not public information is being furnished.

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