vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-09 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:
As a federally protected consumer, I am hereby expressing my right to privacy and this an OPT OUT NOTICE per 12 CFR 1016.7. I am now opting out and rescinding any and ALL authorization, I the consumer may have given you. I mean ANY and all consent whether it be written, unwritten, verbal, implied, and non verbal is revoked per 15 USC 6802.

Per the FCRA 1681b ( a ) states that " In general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instructions of the consumer to whom it relates '' Therefor any furnisher of information to credit agencies and the consumer reporting agencies do not have my consent to furnish this information, and they surely do not have my written consent.

According to the Privacy Act of 1974, the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, " NO AGENCY shall DISCLOSE any record which is contained in a system of records by any means of communication to any person or to any agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. You have violated both the FCRA and also the Privacy Act of 1974 Per the FCRA 15 USC 1681a ( 2 ) Exclusions, a report containing information solely as to transactions or experiences between the consumer and the person making the report ; Therefore REPORTING transaction history is illegal.

Please comply with my DEMAND regarding the removal of the account immediately, being that you have continued to violate my rights as Consumer. I have suffered mentally and emotionally. This is not my first complaint. You have a full understanding of the violations. You are aware you are breaking the law. Immediate action will take place Per the FCRA 15 U.S. Code 1681n for willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: FL

Complaint narrative:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: FL

Complaint narrative:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 explanation
Consumer complaint received 2023-02-09 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: FL

Complaint narrative:
I am interested in disputing all incorrect information on my credit report with transunion.

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 2023-02-09 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: AR

Complaint narrative:
I HAVE REACHED OUT TO XXXX XXXX XXXXXXXX ABOUT A LATE PAYMENT ON ACCOUNT NUMBER XXXX. THEY TOLD ME THEY HAVE UPDATED THIS MATTER, BUT HAS FAIL TO UPDATE THIS ON MY CONSUMER REPORT AS I AM PREPARING TO BUY A HOME. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT XXXX HAS VIOLATED MY RIGHTS. 

15 USC 1681 SECTION 602 STATES 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.

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 2023-02-09 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:
Equifax continues to violate 15 U.S. Code 1681b and 15 USC 1681a ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: NV

Complaint narrative:
Afni collection agency is trying to collect the amount of {$440.00} from XXXX XXXX XXXX. XXXX failed to activate service and account was closed within 24 hours, failed to provide detailed for the bill and resolve the issue. XXXX supervisor of offshore billing office stated that " there nothing we could do as the bill sent to the collection agency, you have to contact them. '' Collection agency contacted issue was not resolved. 
I went to XXXX XXXX XXXX store back in XX/XX/XXXX to change my provider. I opened the account and left the store, when I got home I had no service, their representative did something wrong and failed to activate the service. Next day I went to the same store to close my account, XXXX XXXX XXXX representative confirmed that account is closed and I don't own anything. I wasn't getting any bills from XXXX. XX/XX/XXXX I received the letter from the collection agency Anfi that attached above. I went to the XXXX store in person, their representative failed to provide details for the bill, I still don't know what I was charge for if there was no service provided as activation failed, they could not even charge me for activation. XXXX representative was willing to help, he dialed billing department we explained the situation to supervisor of XXXX office XXXX, she stated that " there nothing I can do, as bill sent to the collection agency, you have to contact them. '' I contacted Afni collection agency, issue is not resolved as of today. XXXX sent " blank '' bill to the collection agency, as service never was provided, they failed activation, account was closed within 24 hr.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: MO

Complaint narrative:
My student loan balance PRIOR to receiving any refunds was {$8600.00}. I then received a letter from Mohela stating I received a total of {$18000.00} in refunds, & now my current student loan balance says I owe {$30000.00}. This is an incorrect balance. {$8700.00} plus {$18000.00} = XXXX. NOT {$30000.00}! I have tried to fix the issue via phone with Mohela few times without success. I spoke with supervisor XXXX, who said she sees the discrepancy in the balance & would reach out to another dept & call me when she hears back with corrected info. She called me the next week without any new information & said she still sees the discrepancy but will have to send to accounting to fix. My credit score has been negatively impacted by this discrepancy in my total loan balance. I haven't heard anything else regarding Mohela correcting the error. My balance is INCORRECT

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 2023-02-09 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: NC

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act, Experian 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. Experian continues to violate my rights by publishing without my written instructions. I find that my consumer file is being irresponsibly tampered with. over the past year I have made several attempts to remind you of your duty pursuant 15 USC 1681. it appears you're intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that i am due, promised accuracy in my report based on federal law. I am making this effort as another attempt to have these errors corrected on my consumer report. 15 USC 1681i ( A.5 ) says that after the reinvestigations all of the unverified information must be promptly removed. You can see in your system that this account was previously disputed without being thoroughly investigated thus I know that can not be verified or validated. 
XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 2023-02-09 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: AR

Complaint narrative:
I HAVE REACHED OUT TO XXXX XXXX XXXX ABOUT A LATE PAYMENT ON ACCOUNT NUMBER XXXX. THEY TOLD ME THEY HAVE UPDATED THIS MATTER, BUT HAS FAIL TO UPDATE THIS ON MY CONSUMER REPORT AS I AM PREPARING TO BUY A HOME. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT XXXX HAS VIOLATED MY RIGHTS.

15 USC 1681 SECTION 602 STATES 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF THE WEST
State: OK

Complaint narrative:
On XX/XX/XXXX I sold a diamond ring to someone on XXXX market place for XXXX dollars. I then transferred the funds into my checking account from cash out on XXXX XXXX XXXX Then on XX/XX/XXXX cash shop withdrew the money back out of my account without my knowledge or consent. I contacted the bank customer service and filed a dispute with regards to the funds then taken from my account. Where I believe the bank was at fault for for allowing cash out to withdraw {$400.00} for my account making my account be negative. For Bank of the West and give me the opportunity contest or see what my side of the story was in regards to this action against my account. On XX/XX/XXXX Bank of the West denied my dispute and rude in favor of cash out based on the fact that they said I gave them access to my account. First of all Bank of the West has the absolutely right to safeguard my account and funds in my account, XXXX had no good Reasons to withdraw any money from my account after me, XXXX on XXXX completed our transactions. Bank of the West made itself libel when they allowed cash out to withdraw These funds from my account. I wasn't even given the even given benefit of the doubt by my bank which has left a bad taste in my mouth.

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 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
The name, address, social, and all other instruments have been wrong as they have been documented.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Due to the recent Wells Fargo settlement of XXXX, I believe I am entitled to compensation due to the terms outlined. I was a Wells Fargo Banking Customer from XXXX, the time in which the settlement says Wells Fargo harmed its consumers with illegal activities. I have not been contacted about my involvement with the settlement as of yet, which was required. I have cause to believe that I am eligible to be compensated from this settlement, and would request communication of that.

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 2023-02-09 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: TX

Complaint narrative:
I reached out to Experian via mail sent out on XXXX. I followed up with a complaint in the CFPB on XX/XX/XXXX. In my complaint, which will also be attached to this complaint, I asked Experian to open an investigation into account XXXX on XX/XX/XXXX in my complaint I asked them to verify this account because I reached an agreement with XXXX where they agreed back on XX/XX/XXXX we agreed that If I make a lump sum payment, XXXX XXXX  Bank would remove all negative information from my credit file associated with the debt. I kept my end of our agreement and paid the complete {$2400.00} hoping that XXXX XXXX XXXX would do the same. However, I obtained a copy of my Credit report and as of Today XX/XX/XXXX XXXX XXXX XXXX is still reporting negative information regarding this account. According to the FDCPA has a strict list of laws that Debt Collection agencies must follow and XXXX violated the law by misleading me and continuing to report information that they agreed would be removed. To make matters worse I also went to the CFPB regarding the XXXX XXXX account where they neglected to address my complaint. This is a clear factor that XXXX XXXX  not only violated the law by breaking Section 808 ( 1 ) but they also continue to submit information to the Bureau that is INACCURATE and goes against the FDCPA. The Bureaus have a duty to ensure that consumers have a credit report that is 100 % accurate. This is my second Formal complaint to the Bureaus regarding this account. It is against the Law to report information that is knowingly inaccurate. This account should NOT be on my credit report and needs to be deleted IMMEDIATELY. I have also included the copy of my CFPB complaint sent directly to XXXX XXXX regarding this account as means to prove that any and all negative information regarding XXXX  I still appreciate Experian 's swiftness in responding. However the FCRA allows companies 30days for a investigation into an account. We have lost several days for Experian to investigate a account that is legally NOT allowed on my credit report. I expect them to expedite their investigation and remove this account from credit profile!

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 2023-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hi, Acc. Num. XXXX, Ive created this account in XXXX in CITI XXXX XXXX. 
The bank staff input my cellphone as a wrong number which last 4 number as XXXX, not as my correct one as XXXX XXXX 
I just give it in written and the bank staff do it without any double-chk or SMS validation, so I took 1hr+ to contact the customer svc, XXXX told me that required XXXX to update, it is such unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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:
My consumer right has been violated according to 15 us code 1681... inaccurate information is listed on my report which should 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 2023-02-09 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: Cooling & Winter LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX for more than four 4 Years reported as charged off, and bad debt to the Credit Reporting Agencies in the amount of {$4800.00} In view of such fact said report is inaccurate according to the IRS manual where a charged off is considered income which should be reported for tax purposes and income is excluded from the consumer report. Further, it's an impossibility for the report to ever be accurate as said amount can not be debt and income for me simultaneously.

Notice this account is being currently litigated in Court by a third-party debt collector COOLING & WINTER on behalf of XXXX XXXX XXXXXXXX who also at one point had another debt collector that attempted to collect this debt without any form of verification. 

The record reflects numerous correspondence between all parties. There is evidence in abundance that support XXXX XXXX XXXXXXXX XXXX. acts and omissions are deceptive, abusive, and inconsistent with the Provision of Several Federal Statutes including but not limited to the FDCPA and or FCRA The Consumer has been denied extension of credit on several occasion which constitute actual damage. 

I have attached a copy of a notice dated XX/XX/23 that was sent to XXXX XXXX XXXX XXXXXXXX of my intentions to commence an action. Said notice sent is accompanied by a copy of the present case being litigated in a County Court on behalf of XXXX XXXX XXXX XXXX. by COOLING & WINTER LLC against the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Select Management Resources, LLC
State: TX

Complaint narrative:
The truck was illegal repossed they are trying to say I surrender the truck but I told them no refused. They do not even have valid XXXX. I went and tried to refinance again with then and was told it 2000 but I have to physically meet a rep at the XXXX stand in line with their manager and sign over my title before the would release the truck and before they would refinance my truck. If I paid for the lot and towing fees from them illegal repossession of my truck. They damaged it when doing so and will not let me see the damages either. Help please

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: GA

Complaint narrative:
The procollect has been disputed the mortgage debt multiple times even after I have contacted them and provided all the details regarding the identify theft and Im not involved in it. I also contacted the primary source company XXXX XXXX XXXX  and gathered the details : they also informed that they have no records under my name :

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