vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-22 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:
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 602 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 purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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:
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 602 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 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 2022-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
This is not my debt. I sent a certified mail letter to them on XX/XX/22 asking for written signature validation of debt. They have not been able to supply me with this information. According to the USC they must validate each debt before reporting it to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
While TransUnion allows people to freeze, unfreeze and check credit reports online, I have been unable to access my already existing account for technical problems at their end. I needed to apply for a new credit card and was not able to log in to either check my report or freeze/ unfreeze my credit. I spoke to XXXX in technical support on XX/XX/2022 at XXXX who assured me this will be fixed and told me to call another number ( yet another wait in the queue ) to get the credit unfrozen. 
As of the time of this writing the problem has not been fixed and I am still unable to access 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 2022-08-22 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: Self Financial Inc.
State: TX

Complaint narrative:
almost 2 years ago my wallet and cell phone was stolen and my self credit card was maxed out and im left with the debt and interests fees

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: OPTUM BANK, INC.
State: PA

Complaint narrative:
My employer uses OptumBank to manage XXXX account funds. They charge a {$1.00} quarterly fee for any mailed statements. In early XXXX after receiving my first quarterly statement and noticing the fee, I changed my elections to online only. 

In XXXX I transferred the assets out to another custodian that I prefer, and they closed the account without my permission. I complained at that time about the closing and they reversed the closure on XX/XX/XXXX. 

In doing so they did not restore my preference for online statements and defaulted back to mailed statements which caused a second {$1.00} fee to be assessed on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I co signed for a auto loan that has been paid off but still shows open on my credit reports

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 2022-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I AM WRITING TO UPDATE MY CREDIT REPORT WITH THE CORRECT INFORMATION. I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE FOLLOWING CHARGES ON MY CREDIT REPORT. ALL CORRECT INFORMATION FOR ALL 3 CREDIT REPORTS ARE SUPPOSED TO BE 100 % ACCURATE. THE INFORMATION IS INCORRECT. TO PROTECT MY ACCOUNT I INCLUDED THE ACCOUNT, DATES, AMOUNTS OF THE IDENTITY THEFT OR INCORRECT INFORMATION. ALL CREDITORS LISTED ARE RESPONSIBLE FOR UPDATING MY FILE. THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: ID

Complaint narrative:
I received a bill from ( I.C. System Inc. ) XXXX XXXX XXXX XXXX XXXX MN. XXXX For the amount of {$5200.00} on XXXX with my name and address. I did call and make a complaint to them and to my understanding they put it in their system as fraud. I spoke with customer service at XXXX XXXX and asked to speak with a XXXX and they wouldn't let me without giving my email. I asked for proof of the account and They didn't give me any answers. I live in Idaho, this is not my bill and I have never had XXXX XXXX The name and address of the original creditor is : XXXX XXXX XXXX HWY XXXX XXXX. 
XXXX MD. XXXX I Spoke with the XXXX and they said this creditor address doesn't even exist. I need my name and any information of mine cleared

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 2022-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
TO WHOM THIS MAY CONCERN I AM WRITING TO REPORT ALL OF THE INCORRECT INFORMATION LISTED ON MY CREDIT REPORT. I AM A VICTOM OF IDENTITY THEFT. I AM INTRESTED IN ALL ORIGINAL CREDITORS REVIEWING THE FILES WITH THE DATES, ACCOUNTS, AMOUNTS LISTED AND REMOVE THE INFORMATION IMMEDIATELY. THIS HAS HENDERED ME FROM MOVING FORWARD DUE TO ERROS. MY CREDIT REPORT IS SUPPOSED TO BE 100 % ACCURATE ON ALL 3 CREDIT REPORTS. THAT IS NOT CASE, PLEASE REVIEW THE DETAILS IN THE FILES.

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 2022-08-22 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/XXXX, I submitted a complaint on three credit bureaus reporting wrong information on my credit report. The companies responded that some information is accurate and took no actions on my credit report. I asked for a full investigation AND proof that the companies that are reporting negative items on my credit report by providing contracts signed by me with the companies that are reporting on my credit report. There was no proof provided, therefore I request that all the companies that are reporting negative items on my credit report that are in my original complaint be removed from my credit report. 

Companies Designed Receivable solution XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Grain Technology, Inc.
State: SD

Complaint narrative:
I had withdrawn XXXX  us dollars from a mobile app called grain XXXX. I used the app before and paid it back on time. I then pulled from it again and when I got the money in my bank account grain wouldnt let me log in and keeps locking me out of my account saying Ive failed my password attempts too many times even though I hadnt even tried it. It also disconnects from my bank so theres no way for me to pay them back now. Ive emailed them two times and filled a report but they never get back to me. Its been two weeks now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I have made 2 attempts via certified mail ( XX/XX/XXXX & XX/XX/XXXX ) to request validation of a debt being reported on my credit report by Credence Resource management listing the original creditor as XXXX XXXX XXXX in the amount of {$340.00}. Credence has failed to respond to my request for validation. Furthermore I have never received any communication regarding this debt nor how to dispute. I have disputed with all 3 credit bureaus and each is reporting different information from account closed due to no response from collection agency. I am requesting all records of Credence Resource Management on all credit bureaus be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-22 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: CT

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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: DE

Complaint narrative:
TransUnion falsely claims that their company has did Investigations on 8 different occasions on the XXXX  XXXX XXXX # XXXX. According to the FCRA, 15 U.S Code 1681a - Definitions ; rules of construction- The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. TransUnion has failed to do a proper and accurate investigation on 8 different occasions from the dates they listed in their previous responses according to the FCRA and this is a violation of my rights and the FCRA. TransUnion has also failed to SPECIFY how the XXXX  XXXX XXXX # XXXX was verified. The file I have attached to this complaint is a Copy of the Judgement with original creditor XXXX XXXX WITH THE TOTAL AMOUNT {$940.00}. There is also another party on the judgement as well. The address for the COURT HOUSE is XXXX XXXX XXXX XXXX  XXXX, XXXX, DE XXXX, In The Justice Of The Peace Court Of The State of Delaware In And For XXXX XXXX, Court NO. XXXX. The Collection company XXXX  XXXX XXXX is reporting the amount {$5000.00} which is Inaccurate according to the copy of the judgment Ive included in this email and which Ive provided to TransUnion in the past which they have neglected to acknowledge the information provided. According to the FCRA, 15 U.S Code 1681i - Procedure in case of disputed accuracy- If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, AN ITEM OF THE INFORMATION IS FOUND TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED, THE CONSUMER REPORTING AGENCY SHALL PROMPTLY DELETE THAT ITEM OF THE INFORMATION FROM THE FILE OF THE CONSUMER, OR MODIFY THAT ITEM OF INFORMATION, AS APPROPRIATE, BASED ON THE RESULTS OF THE INVESTIGATION. XXXX  XXXX XXXX and TransUnion are violating the FCRA, MY RIGHTS, AND THE LAW BY REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT AND FALSELY CLAIMING THEIR COMPANY HAS DID A PROPER INVESTIGATION ON 8 DIFFERENT OCCASIONS. TransUnion credit reporting company are violating my rights and this is a defamation of my character. TransUnion Credit Reporting company needs to remove the XXXX  XXXX XXXX # XXXX from my credit report. 

Sincerely, 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 2022-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I am submitting this on behalf of my mom ( XXXX XXXX XXXX widower living alone ) who was scammed. A person over the phone indicated that XXXX was looking at her bank account and that moving money out and back in would help. He had her download XXXX XXXX XXXX on her iphone. With this, he gained access to her XXXX XXXX XXXX and performed a {$490.00} XXXX and {$1000.00} XXXX transaction to a XXXX XXXX ( probably a fake name ). My mother does not even know what XXXX is and it appears that she did not use that app, but it happened through her XXXX XXXX XXXX while the person was controlling her iphone using XXXX. I am hoping that submitting this will help with XXXX 's investigation and recovery of her funds. He also had my mom create a new gmail account and get the XXXX app, and a crypto XXXX  app, and had her wire $ XXXX into the XXXX app. Luckily, I was able to use my mom 's phone to change the passwords for both. The $ XXXX went into the XXXX  app and i was able to transfer it back to XXXX so that is not an issue. We made a police report, an FBI report, made new bank accounts, froze credit, etc. They had access to everything - even social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX account number # XXXX and XXXX  XXXX, Medical debt XXXX XXXX  XXXX violated my rights. 15 U.S.C 1681 Section 602 A. States I have rights 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 2022-08-22 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX account number # XXXX and XXXX  XXXX, Medical debt XXXX XXXX  XXXX violated my rights. 15 U.S.C 1681 Section 602 A. States I have rights 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 2022-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
On XX/XX/2022 I had signed up for autopay with M & T bank after receiving a popup urging me to do so. After doing so, the option to make a manual monthly payment had gone away, so I searched the page to make sure that my payment would still get drafted on time. I Received a letter from M & T about a month and a half later stating that my payments had not been made, and immediately made the payments. ( Including the incurred late fees ) By this time XXXX payments should have been automatically drafted. Today, XX/XX/2022 I reached out to M & T bank because I noticed that it had affected my XXXX XXXX severely. They had admitted that the Autopay was not working as it should have. I had let them know that my credit should not be affected by their faulty system. I had already payed the late fees, and had not asked to be reimbursed for them, just for my credit to be fixed. They stated that they had sent a uncertified letter stating the date that the autopay would take effect, and so they will not help me by fixing the credit reporting despite the fact that I had never received the letter in the mail, and even if I had, it still wouldn't change the fact that this was caused by a faulty system, However the banker I was speaking to stonewalled me and just continued stating that they were not going to help me. I have never been late on a payment for this or any of my other loans, and I feel like the only reason that they don't want to assist me with this is that they can not be bothered to clean up their own mess. This is the second time that I have gone through an issue like this. The last time They had dropped my insurance payments from my escrow without letting me know, which led to my homeowners policy being cancelled.

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 2022-08-22 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: OH

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Acct # XXXX. 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 also states a consumer reporting agency can not furnish an account without my written instructions.

I have contacted all accounts listed and none could provide me with a copy of any clear and conspicuous agreement between me and them or the original creditor giving consent to third party information sharing. 15 U.S.C. 6802B 1 ( c ) states : I must be given an explanation of how the consumer can exercise my non disclosure option. 15 U.S.C. 6803A states : that at the time of the relationship the consumer shall be provided clear and conspicuous disclosure of options. I have yet to be provided evidence from any reporting bureau of any process to va
lidate any information furnished to them despite my requests for such.

15 U.S.C. 1681C ( a ) 5 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 aggregates 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 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 2022-08-22 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: CT

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2022-08-22 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: FL

Complaint narrative:
Hard Inquiry of XX/XX/22 from XXXX XXXX is fraudulent. Please remove inquiry I have provided the following : A. Letter from XXXX XXXX with fraudulent verification. 
B. FTC letter of Identity Theft Report. 


Please remove Inquiry. 2nd request.

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