vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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

XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act these accounts have violated my rights. 
According to 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.

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 reason. 

Account Name XXXX, XXXX. 
Account Number XXXX Account Name XXXX XXXX XXXX  XXXX Account Number XXXX Account Name XXXX  XXXX Account Number XXXX Account Name XXXX  XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name DEPT OF EDUCATION/XXXX  Account Number XXXX Account Name XXXX XXXX XXXX XXXX Account XXXX XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX. XXXX, XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name OFFICE OF THE ATTY GENER Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX Account Number 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 2023-02-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: STAR ONE CREDIT UNION
State: CA

Complaint narrative:
On or around XX/XX/2022, I entered into a consumer credit transaction with Star One Credit Union. I was trying to purchase a car for my family. On or around XX/XX/2022 I received a letter from Star One Credit Union, deny an extension of my credit. 
As you may be aware, its against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 USC 1691 ( c ) and you assume civil liability pursuant 15 USC 1691 ( k ) Star One Credit union has violated my federally protected consumer rights as well as caused emotional damage and injured my family and myself with their actions.

15 USC 1642 15 USC 1681N 12 CFR 1002 Since the letter you sent me dated XX/XX/2022 is both proof and evidence that I have been discriminated against, you are also criminally liable. Star One Credit Union should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 

Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. Let it be known that I am ready to litigate in this matter for discrimination against my good faith in exercising my rights if your actions are not equitable. 

The transaction was {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 
XXXXXXXX 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 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately. 
XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 
XXXX XXXX XXXXXXXX

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 2023-02-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: College Foundation, Inc.
State: NC

Complaint narrative:
I ran out of derferments with the original lender XXXX. and the loans were in default back in 2019. Right after that, the student loan paise happened so I did not reach out since any collection was stopped. 

Theot legal counsel filed a civil case against me in XXXX and at that time they added my loans as XXXX default to my credit report x 2. I have been working with XXXX XXXX to consolidate my loan and have also applied for president bidens loan forgiveness. 

Please make the NC State Authority stop harassing me and remove their lawsuit againt me. I will also file a copy of the amount owed, the loan consolidation application and everything needed as a motiok to dismiss.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST PORTFOLIO SERVICING INC
State: NC

Complaint narrative:
XXXX makes it so that automatoc payments scheduled for the min due date post late and consumers incur crazy interest payemnt like {$80.00}. 

They have reporter a late payment to my credit report and when Ive asked to settle this and close my account in exchange for them removing this from my credit report they asked me for {$800.00}, but my account balance is only {$360.00}. 

Please make this company do the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: NY

Complaint narrative:
HWarfield at XXXX XXXX XXXX XXXX XXXX, FL XXXX has been sending me collection notices in the amount of {$2500.00}. The collection has been reported as a past-due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I asked XXXX in the CEO office to please give me the person frauding me from XXXX XXXX XXXX information since USAA would do nothing to help me. He refused but told me to contact XXXX XXXX XXXX. I have been refused access to the XXXX of XXXX XXXX. There is no one in charge of USAA bank. I have had to speak with subordinates who have not helped me. I gave XXXX name and phone number of the fraud person. USAA has been cited and fined for money laundering. That is not this situation. I also cooperated by deleting an external account to stop this fraud. USAA is out of control and needs to be monitored or closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: VA

Complaint narrative:
My mortgage was bought by Roundpoint mortgage servicing corporation effective XXXX. I still have not received a package with my loan number as of XXXX. I called and got a loan number and later got a different loan number via email. I have emailed twice and gotten a response today ( XXXX ) they are looking into this. I am very concerned this will affect my credit rating. The only reason I am unable to pay is I can ; t get a welcome package. I am also concerned because my escrow payments and home insurance are still listing my old mortgage sevicer.

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 2023-02-22 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 list accounts below has violated my Federally Protected Rights to privacy and confidentiality under 15 USC 1681. # XXXX # XXXX # XXXX # XXXX. 15 USC 1681A. States that I have the right to privacy.. 15 USC 1681 section 604 A. Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1691. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of conviction of crimes which antedates the report by more than 7 years. 15 USC 1681b permissible purpose of consumer reports, The Law Clearly States : 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I was searching for a work from home job. A company I applied with sent me a check for {$1800.00} and wanted me to purchase XXXX products for company software to do the job. 
I deposited the check on XXXX. 

Before I purchased the items, I contacted my bank, via my mobile app.to verify that the check was legitimate. I hit the " contact us '' option which directed to their virtual chat " XXXX '' She assured me that the check had cleared and the funds were there. I triple checked asking questions " Are you sure the check is legit? '' " Can they reverse the check at any point? '' If it is a bad check, am I responsible for the money? '' To all my questions, her response was that the check was good & the funds were there. 
Having confirmed with my bank that the check was legit, cleared & the funds were there, I proceeded with the job requirements. 
On XXXX I was notified by my bank that the {$1800.00} was a " Return item, chargeback '' & they had taken money out of my account to cover it. 
I called my bank to question as to why & how this could happen because I checked & then checked again with them to make sure the check was legit & I would not be held accountable for the money if there should be an issue with it in the future. Multiple times they reassured me that it as a legit check & the funds were there. 
They said that the check turned out to be fraudulent and that I was responsible for the funds. 
They should NOT have told that the was legit and the funds were " safe ''

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 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidential under 15 USC 1681. 

XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDEPT OF ED : XXXX, XXXX/DEPT OF ED : XXXX, XXXX XXXX XXXX : 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 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 the of convictions of crimes which antedates the report 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 agency if the person knows of has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: TRUIST FINANCIAL CORPORATION
State: WV

Complaint narrative:
I opened an account and closed it shortly after. In person. I signed papers. Now I'm receiving emails saying I have a credit card or an open account. I have called these people several times in my city and they don't answer the phone. I don't know what else to do.

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 2023-02-22 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: TX

Complaint narrative:
hello my name is XXXX XXXX a few months ago I checked my credit report and discovered that national credit system had been reporting fraudulent accounts on my credit report. My Social Security number was stolen and used to open up credit card accounts as well as other accounts that appeared to be National Credit Systems reporting on my credit. I have reached out to their corporate offer several times and all I keep getting is the runs around. During the conversation I had with them they said I needed to send proof of identity report and an affidavit, I sent in the requested documents proving that I was a victim identity they said they would remove the fraud account and never did. They are in violation of the Fair Credit Reporting act as my right as a consumer for reporting inaccurate information. I need for this fraud account to be removed or I will take my evidence and file a case with my XXXXocal county clerks office.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 


I demand the following accounts be verified or deleted immediately. 
XXXX XXXX XXXX XXXX  Unverified Account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: CLGF Holdco 1, LLC
State: AZ

Complaint narrative:
I have reached out to this company multiple times requesting that they review the " late payment '' shown on my credit report from XXXX XXXX XXXX. My dispute letters were dismissed, and never responded to. I am a long-standing customer and I make all my payments on time. Please correct this ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Different dates on last reported, different balances, different status as far as legally paid on some, different charge off/ settled The accounts are XXXX XXXX, XXXX XXXX, and XXXX XXXX  XXXX Ive included screenshots from my credit report showing the various inaccuracies and the particular accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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:
Accounts that's be reported are not mines and I asked verification of the accounts and I haven't received any showing my signature or the original contract also different spelling of my name also another social security number that's not mines shows on my report Some items that was deleted still show on my credit 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 explanation
Consumer complaint received 2023-02-22 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Accounts that's be reported are not mines and I asked verification of the accounts and I haven't received any showing my signature or the original contract also different spelling of my name also another social security number that's not mines shows on my report Some items that was deleted still show on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have attempted to remove the following inquires on several occasions with no success. 
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