vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-16 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX EQUIFAX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Whom It May Concern : I recently received a copy of my XXXX credit report, And I noticed some late payments posted on my credit report XXXX XXXX ..XXXX  : XXXX late payment XXXX XXXX XXXX.. XXXX : XXXX late payments XXXXXXXX XXXX XXXX XXXX : XXXX XXXX late payments XXXX. XXXX XXXX XXXX XXXX XXXX : XXXX late payment XXXX. XXXX XXXXXXXX XXXX : XXXX late payment XXXX. XXXX XXXX XXXX late payment XXXXXXXX XXXX XXXX XXXX XXXX : XXXX late payments XXXX. XXXX XXXXXXXX XXXX XXXX XXXX : XXXX late payment XXXX XXXX XXXX XXXX : XXXX late payments XXXX. XXXX XXXX XXXX : XXXX. XXXX late payments XXXX XXXX XXXX XXXX XXXX : XXXX late payment Your company is in clear violation of the law. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports. THE LAW CLEARLY STATES : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give u written instructions to furnish these accounts on my credit report? 

Furthermore, The FAIR CREDIT REPORTING ACT 15 U.S.C 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states : ( 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 ; Delete the above LATE PAYMENTS from my consumer report, this agency is in violation of 15 U.S. Code 1681 Failure to respond satisfactorily with deletion of the above referenced accounts, and send out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement Of Identity Fraud 3. Fair Debt Collection Practices Act 15 U.S. Code 1692g violations 4. Fair Credit Reporting Act 15 U.S. Code 1681 violations for willful noncompliance - 616. Civil Liability for willful noncompliance [ 15 U.S.C1681n Best Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : XXXX XXXX : XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Previous Name : ( Last Name changed : XXXX XXXX XXXX XXXX ) XXXX TRANSUNION Credit Bureau I have attached the following documents to verify my identity ; My XXXX - Showing Current Address ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ) and Current Legal Name ( XXXX XXXX XXXX ) Social Security- With Previous Last name, waiting for new XXXX to be issued with new legal last name. 
License - With current legal name and previous address. 
Credit Card Statement - Showing Legal Name ( XXXX A XXXX ), Current address ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. This also proves ownership of the missing account stated in this dispute request. 

You MUST fix this issue asap and not stall to Verify my identity or you will open up yourself to XXXX. 


It has come to my attention that my credit report is currently XXXX XXXX inaccurate. At the moment you are not reporting any accounts even though I had credit for years! 
I previously disputed some accounts that were open to identity theft and were removed, however it seems like XXXX of them has reappeared. It has also come to my attention that you have blocked my current address from reporting to my account. My current address ( XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX ) was previously involved in fraud from some accounts that were opened without my consent and charged off. I requested these accounts to be removed and blocked since they were a result of identity theft. 
However, this address is my actual current address and should not be blocking my legitimate accounts from reporting. A family member from this address was opening accounts without my consent, however that was already resolved and SHOULD NOT affect my legitimate accounts. Please remove this block on my current address and investigate the accounts not reporting on my report and add them ASAP. I never requested to put a block on this address, only requested to have a block on those old accounts that were actually a result of identity theft. 




ADD MY CURRENT ADDRESS IMMEDIATELY. 

I have pulled my report from a monitoring website and I will list all of the accounts that are missing! I demand an investigation and fix for my report! 

I ATTACHED A LIST OF ALL ITEMS THAT NEED TO BE ADDED TO MY REPORT.

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 2022-08-16 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: LA

Complaint narrative:
My name is XXXX XXXX and I am a federally protected consumer. I am filing this complaint against TRANSUNION for continuing to furnish unauthorized information to my consumer report. On XX/XX/XXXX I received a letter from XXXX XXXXXXXX stating that " On XX/XX/XXXX, we sent a request to the Consumer Reporting Agencies ( XXXX  ), asking them to remove the hard inquiries listed above. ( XX/XX/XXXX ; XX/XX/XXXX ) '' Furthermore, on XX/XX/XXXX, I received a letter from XXXX XXXX stating that they " have submitted electronic requests to have the inquiries, generated by the credit applications, deleted from your personal credit file. ( XX/XX/XXXX, XX/XX/XXXX ) Please allow up to XXXX days for the update to be reflected. '' I am aware Transunion has up to XXXX days to remove these inquiries but they are still inaccurately showing on my credit file as of XX/XX/XXXX, which is past XXXX days. DELETE THESE INQUIRIES IMMEDIATELY. Attached you will find letters confirming this information should be deleted by now.

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 2022-08-16 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: IL

Complaint narrative:
XX/XX/2022 I received dispute results from Experian stating an alleged debt was verified. I reached out to XXXX requesting a description of their reinvestigation procedure for an alleged XXXX XXXX account ( account number XXXX ) that was verified. Certified mail receipt number - XXXX, Exhibit A. I have yet to receive a response that includes a description of the reinvestigation procedure. Experian is in violation of my rights as a federally protected consumer. 

Experian Knowingly Broke The Law. Pursuant to15 USC 1681 a3 - ( 3 ) XXXX made it clear that your company assumed this role. I never gave permission to furnish a consumer report on my behalf. My reasoning is based on consent and privacy. I am not making a dispute, I am making a demand. You were not given express permission by me, the consumer, or competent court jurisdiction. So, not only did you fail in the initial investigation of this information. You also assumed this role, and assumed this information was valid. Which is a violation of my consumer rights.

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 2022-08-16 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: MA

Complaint narrative:
The account in dispute is # : XXXX being reported by XXXX XXXX XXXX XXXX reporting to Transunion. 

Date opened was : XX/XX/XXXX Account closed on : XX/XX/XXXX Showing multiple late payments from XX/XX/XXXX - XX/XX/XXXX High balance of {$10000.00} In accordance with the Fair Credit Reporting act XXXX  Account # 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 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 2022-08-16 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2022 I sent multiple disputes to the consumer reporting agencies. I have found numerous accounts that are incorrect & inaccurate on my consumer report it is now over XXXX days since I received any response from all XXXX reporting agencies. On XX/XX/2022 i also sent a demand to comply letter. This is now in violation of my consumer right and this has caused me hardship for me and my kids!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2022 I sent multiple disputes to the consumer reporting agencies. I have found numerous accounts that are incorrect & inaccurate on my consumer report it is now over XXXX days since I received any response from all XXXX reporting agencies. On XX/XX/2022 i also sent a demand to comply letter. This is now in violation of my consumer right and this has caused me hardship for me and my kids!

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 2022-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: MT

Complaint narrative:
XXXX on XX/XX/2022 i sent a written wire transfer request of {$50000.00} to Navy Federal Credit Union ( " NFCU '' ). 

XXXX on XX/XX/2022 the money to be wired was withdrawn from my account. 

XXXX as of this writting, XX/XX/2022, the money has NOT been received by the receiving institution- XXXX XXXX XXXX XXXX XXXX  XXXX. NFCU has yet to provide any confirmation by the receiving bank. 

XXXX despite DOZENS of calls, emails, messages to NFCU has not returned my money XXXX. XXXX despite DOZENS of calls, emails, messages to NFCU XXXX all that NFCU states is that they are " researching it '', " escalating to supervisor '', etc...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: TN

Complaint narrative:
On Saturday, XX/XX/2022, I was contacted via phone by a person who claimed he was representing US Bank & the phone number he called from was the true US Bank phone number. He indicated that there were ( XXXX ) charges scheduled to be taken out of my account within the next XXXX minutes and that if I wanted to stop them, I must act quickly. The payments ( {$900.00} ) + ( {$900.00} ) + ( {$700.00} ) were all shown as pending as XXXX money transfers. I do not use XXXX nor do I do this kind of money transaction... ever. 

He tricked me by saying that I need to transfer the funds back to my account using XXXX and assisted me in setting up how to use a XXXX account and walked me through the transfer process. He gave me an email address and phone number to transfer the funds to and I questioned this but he repeated that he was a US Bank representative and to check the phone number he was calling from ( XXXX ) - this is indeed the US Bank main phone number so I was inclined to trust him. 

He prompted me to enter my name, then an email address and a phone number. 
The email address he used was XXXX. 
The phone number he used was XXXX. 
Again I questioned this but was reassured that this was how to stop the money transfer. 

The next day ( XX/XX/2022 ) the funds from my account were gone and I realized that I had been scammed. I called US Bank at the same phone number but this time, talked to actual representatives of the bank. They confirmed that my funds were transferred and connected me with the fraud department. They are in the process of investigating this and I wish them well. It was not their fault I was scammed but I believed the scammer because he was using the US Bank phone number. 

I am elderly and this scam hurt me bad financially, but I have no one to blame but the scammer for doing this to me. I've filed a police report and will pray for the best.

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 2022-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
We have opened a missing XX/XX/2021 payment investigation with XXXX XXXX XXXX that is still outstanding and not resolved despite it now being XXXX and having provided all the information requested. Previous cases just keep getting closed without notice and we have to reopend them only to find out they needed something else and we have then always complied. Also despite the investigation, we keep getting calls daily for late payment and even after telling the callers to stop calling as we have an ongoing investigation and they agreeing to do so, they keep calling for late payment almost daily. 

Our bank has provided them a copy of the check that was sent and cashed. The latest excuse was full banking statement was not provided so when I went to do so for all the months they requested, I found a sent email where I did previously sent them a full banking statement for XXXX. 

I feel the case keeps getting closed and we have to reopen it and nothing is getting done. I also feel the company continuing to call us despite this investigation for late payment is wrong.

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 2022-08-16 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: Bepensa Capital, Inc.
State: AL

Complaint narrative:
Around XXXX I went to XXXX XXXX auto sales and the car I was financing never really worked it was in the shop from the XXXX day I had it until he went and got it from the shop. Which was about XXXX days down the line. By the XXXX day I had told him I didnt want to finance a vehicle that I have never drove. So about XXXX weeks ago I went to try and finance a car from another company and they told me that it was showing on XXXX that I was still paying on an auto loan for XXXX dollars a month and thats not accurate. It was erased from my experian report but its still on my XXXX report so therefore it is hindering me from getting a vehicle. So I went up to XXXX XXXX office the same day about XXXX weeks ago to inquire about the situation and he told me that nothing should be showing up on me bc he bought the vehicle from the finance company so then he gives me a number to dial and from XXXX weeks ago til today I am still not able to get with anyone about the account. They keep hanging up on me when I do call and Im not getting anywhere with this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
COMPANY EQUIFAX IGNORED MY IDENTITY THEFT AFIDIVIT FOR FRADULENT INQURIES! THIS IS AGAINST THE LAW! I DESERVE COMPENSATION AND REMOVEL OF THE FOLLOWING INQUIRIES. 

XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: TX

Complaint narrative:
On XX/XX/XXXX, I wrote a letter from my location at the XXXX XXXX XXXX Federal Low Security Prison to DISCOVER CARD ( see attached ), requesting copies of my statements for XXXX, as I had been incarcerated since XX/XX/XXXX and upon reviewing my Credit Report, I discovered past due amounts that could only be by fraudulent purchases that I did not make, as I was incarcerated. DISCOVER CARD never sent me the requested Credit Card Statements for my review and therefore, I was not allowed an opportunity to review these charges and dispute, accordingly. DISCOVER CARD did not reply to my request for account statements within the 30 days required for a response, therefore they have not acted within the requirements under the FAIR CREDIT REPORTING ACT, and are therefore in violation of the FCRA. 

Further, I notified the FBI of these crimes and others in the attached letter to Special Agent XXXX XXXX of the XXXX XXXX XXXX XXXX in XXXXXXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONGRESS COLLECTION CORP
State: MI

Complaint narrative:
I visited XXXX XXXX XXXX XXXX ( XXXX 's Urgent Care of XXXX on XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on XXXX XXXX, XXXX, for a XXXX XXXX test ; as part of the visit, a XXXX Face Time via phone took place from my car with the doctor on call. The provider billed XXXX XXXX XXXX {$200.00}, and that was paid by the insurance company, XXXX. A XXXX bill, to the clinic itself, was for an additional {$90.00} and has been " in process '' for the XXXX months since the visit. I have made many calls to both the urgent care and to XXXX, and have no luck getting this resolved. As a result, XXXX XXXX XXXX sent my account to Congress Collections, which now is on my credit reports as a " major derogatory. '' This despite my monthslong attempts to resolve this bogus claim. A XXXX test was not supposed to result in a bill and a credit hit. But I can not get this resolved. My latest call to XXXX was on XXXX XXXX, XXXX. Previously, in XXXX I talked with both XXXX and the XXXX XXXX. I have been unable to get this resolved through either entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I am making this complaint because I realized the FDCPA laws Effective XX/XX/2021, an amendment to Regulation F, says that a debt collector can't report a debt to the XXXX major credit reporting agencies, XXXX, XXXX, and XXXX, before first contacting the consumer. Specifically, before reporting a debt to a credit reporting agency. 

This company did not contact me or make me aware of this alleged debt specifically prior to placing it onto my consumer report!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16 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: PA

Complaint narrative:
I have a credit freeze and identity alert on my credit report but somehow EXPERIAN keeps letting company 's run my credit without my permission, which has led to inquires that are not mine along with collections that are not mine. I reached out to Experian today XX/XX/2022 and asked about my credit report I asked why were these items popping up on my report and every representative I spoke with was either rude, ignorant or had me on hold for hours waiting for a supervisor who never got on the line i was able to get XXXX of the ignorant representative 's name XXXX was XXXX and the other was XXXX if that's even their real names. The amount of disrespect I received today is disgusting!!! Experian should be ashamed I will be contacting a lawyer to discuss my options.

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