vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PRIVATE PERSONAL SOCIAL SECURITY ACCOUNT INFORMATION IS BEING/HAS BEEN SOLD/TRADED WITHOUT AUTHORIZATION AND REPORTED FOR PROFIT AS PER INQUIRY TRESPASSING AGAINST THE ESTATE CAUSING COMMERCIAL INJURY UNCONSTITUTIONALLY ENCUMBERING INTERSTATE COMMERCE THROUGH ORGANIZED CRIMINAL ACTIVITY FOR PROFIT. 

SECURITIES COMMODITIES EXCHANGE CIVIL AND CRIMINAL R.I.C.O. 
AT PRESENT IT IS REQUIRED THAT UPON YOUR FAILURE AN INABILITY TO VALIDATE THE FOLLOWING INQUIRIES AND WITH A WRIT OF INQUIRY OR LETTER OF AUTHORIZATION OR LETTER OF ATTORNEY EACH BEARING ORIGINAL WET INK SIGNATURES FROM MYSELF THE EXECUTOR, THE INFORMATION IS TO BE DELETED AND EXPUNGED FROM THE CONSUMER CREDIT REPORT WITHIN TEN ( 10 ) CALENDAR DAYS. NOTICE OF INTENT TO LIEN FOR CONSTITUTIONAL VIOLATIONS AND CRIMINAL RACKETEERING VIOLATIONS AS PER 18 U.S.C. 1962 AND 1963 PURSUANT TO 15 U.S.C 1 & 3 & 13 IGNORANCE OF THE LAW IS NO EXCUSE FROM THE LAW. SANS RECOURSE.

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 2022-03-15 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: First Advantage LNS Inc.
State: TX

Complaint narrative:
PRIVATE PERSONAL SOCIAL SECURITY ACCOUNT INFORMATION IS BEING/HAS BEEN SOLD/TRADED WITHOUT AUTHORIZATION AND REPORTED FOR PROFIT AS PER INQUIRY TRESPASSING AGAINST THE ESTATE CAUSING COMMERCIAL INJURY UNCONSTITUTIONALLY ENCUMBERING INTERSTATE COMMERCE THROUGH ORGANIZED CRIMINAL ACTIVITY FOR PROFIT. 

SECURITIES COMMODITIES EXCHANGE CIVIL AND CRIMINAL R.I.C.O. 
AT PRESENT IT IS REQUIRED THAT UPON YOUR FAILURE AN INABILITY TO VALIDATE THE FOLLOWING INQUIRIES AND WITH A WRIT OF INQUIRY OR LETTER OF AUTHORIZATION OR LETTER OF ATTORNEY EACH BEARING ORIGINAL WET INK SIGNATURES FROM MYSELF THE EXECUTOR, THE INFORMATION IS TO BE DELETED AND EXPUNGED FROM THE CONSUMER CREDIT REPORT WITHIN TEN ( 10 ) CALENDAR DAYS. NOTICE OF INTENT TO LIEN FOR CONSTITUTIONAL VIOLATIONS AND CRIMINAL RACKETEERING VIOLATIONS AS PER 18 U.S.C. 1962 AND 1963 PURSUANT TO 15 U.S.C 1 & 3 & 13 IGNORANCE OF THE LAW IS NO EXCUSE FROM THE LAW. XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: KS

Complaint narrative:
On XX/XX/2022 at approximately XXXX p.m. XXXX, I sent a MoneyGram 'wire ' for {$400.00} using their App which I have installed on my phone. I have used their service many times before without incident. The money was taken from my bank account and was supposed to arrive in my other bank account via " XXXX '' ( within minutes ). I received a notice on the App and via email that the money would be available in " minutes. '' I still don't have my money. 

All I get is a big runaround from " customer service. '' I have called and emailed no less than 10-15 times since that date as I needed that money to pay my bills. 

All I hear is that there is an " investigation. '' Does it take 2 weeks to " investigate '' in this day of electronic processing? 

Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This complaint to EQUIFAX was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX ; XXXX BANK XXXX XXXX Date opened XX/XX/XXXX Balance {$65000.00} ; XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$20000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: OPTUM BANK, INC.
State: NC

Complaint narrative:
On XX/XX/2022 I opened an HSA account with XXXX and submitted paper work to initiate a transfer from Optum Bank HSA to XXXX account. I contacted XXXX a few weeks after that to ensure I didn't have to submit any more paperwork and they said that the ball was now in Optum Banks court. 

Last week I called Optum Bank inquiring about the status of the account. I noticed i still had money in my optum bank account, when it all should have been liquidated. They had no trace of the rollover. I spoke to two different people. One of them requested I fill out this form : XXXX XXXX XXXX  even though this form clearly states its for transferring an account from an institution INTO optum bank, not the other way around. The person advised I liquidate my investing portion of optum bank, as they wouldnt be able to transfer what was invested. I have liquified my investments, and now I am worried that it is going to take a long time for them to straighten everything out and I could lose out on potential market gains. 

I initiated another transfer from XXXX hoping that this time it will actually go through.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: CARVANT FINANCIAL LLC
State: MD

Complaint narrative:
I have reached out to XXXX and Carvant on numerous occasions over the last two years to have Carvant listed on my credit report as included in bankruptcy. I have sent the paperwork to XXXX as well as Carvant and it is still listed on my credit report incorrectly. This is hurting my credit and I need this corrected quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: CT

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: CT

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: HW Holding, Inc
State: FL

Complaint narrative:
I called hunter warfield spoke with XXXX XXXX  tried to resolve balance with XXXX XXXX, she was rude and also stated I had a judgement placed against me which i am unaware of. i asked to speak to a supervisor she became rude and stated '' he's just gon na state the same thing I'm telling you '' finally transferred me to XXXX XXXX after leaving me on hold for a long period of time. I made an offer due to my income I was willing to pay XXXX due to what I got on my taxes, I'm a single mom of XXXX. I explained to him I had to move due to my daughter having XXXX XXXX XXXX. I explained to them my taxes were XXXX and I was willing to give them the whole thing, knowing that this debt is 4 years old. he then returned to me that it doesn't matter how old the debt is the client will only take 80 %. After he told me that I asked if he could take my offer back to the client XXXX stated that " HE WILL NOT TAKE THE OFFER OF XXXX BCK TO THE CLIENT CUZ HE DOESNT HAVE TO ''. I felt there was no option but for me to file a complaint due to them being rude and unprofessional and untruthful in regards to the judgement. Tried to setup payment plan they stated that it would not update on my credit report, again I am a single mom of XXXX and my daughter needing the extra medical services due to her XXXX my finances are very tight. After speaking to XXXX he did no try to help me with this at all and he hung up abruptly with out hope to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: MI

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2022-03-15 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: MD

Complaint narrative:
I still have not received any correspondence from this credit is reporting to my credit report stating that I owe a debt to them and I have no clue who they are. This negative reporting is impacting my credit score and preventing me from achieving my financial goals. I do not know about a debt to this creditor and I would like for them to submit to me the documents to state that I owe there company a debt. In the state of Maryland it is not legal for a third party to report to the credit bureau about a collection that they brought from XXXX and trying to receive additional funds from me. This debt was paid for by the third party back when they first reported to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
XXXX  XXXX XXXX closed an account and reported it as Account Abuse. During the time of the suspected account abuse I was hospitalized due to XXXX and provided the XXXX XXXX as well as Police Report. I was told by the banking center that this would not be reported and it was which negatively has impacted my ability to work as an XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: MI

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ACCEPTANCE NOW XXXX XXXX XXXX XXXX XXXX MI 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 2022-03-15 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: MI

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ACCEPTANCE NOW XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
My friend sent me {$200.00} via XXXX on XX/XX/22. I have not used XXXX in a while so I had to delete my old debit card and tried to link my new one. It said it was linked to another account. I only have 1 acct. I kept getting that message, so I XXXX XXXX XXXX telephone no. The number I called was XXXX. They guy said he was XXXX with XXXX. He said he would help me get my account fixed and card linked. I was on the phone with this person for 3.5 hours. We hung up at one point, and he called me back from XXXX. During this duration, he say he could not get it to work with my debit card and instructed me to purchase a XXXX XXXX card. I ended up purchasing XXXX of these in the XXXX hour period. I could see the money going into my bank account, so I thought it was legit. At the end of the XXXX hours, my XXXX account was down to {$2.00} from {$200.00}, and {$1100.00} was taken from my bank account. {$900.00} was from the XXXX XXXX XXXX card transactions and {$190.00} was a XXXX transaction. I have never used XXXX in my life! The XXXX transaction was done completely by the scammer. He had accessed my email, XXXX account, bank account, and even got my driver 's license. I filed a claim with Truist and was denied because I had done the transactions. I have since canceled my debit card, ordered a new one, and changed all passwords. This is the first time this sort of thing has happened to me. it was all part of the scam.

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 2022-03-15 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-15 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
EXPERIAN REFUSES TO DELETE FRAUDULENT ACCOUNTS AFTER SEVERAL DISPUTES.

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 2022-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.

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 2022-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I didn't authorize these Inquiries and I am not benefiting from these Inquiries. 
XXXX XXXX Inquiry date : XX/XX/XXXX, XXXX. XXXX Inquiry date : XXXX XXXX, XXXX, XXXX  Inquiry date : XX/XX/XXXX, 2021-EQUIFAX. XXXX XXXX : XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX and XXXX XXXX date : XX/XX/XXXX -XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: NY

Complaint narrative:
I didn't authorize these Inquiries and I am not benefiting from these Inquiries. 
XXXX XXXX Inquiry date : XX/XX/XXXX, 2021-EXPERIAN. XXXX Inquiry date : XXXX XXXX, XXXX, XXXX  Inquiry date : XX/XX/XXXX, XXXX. XXXX XXXX : XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX and XXXX XXXX date : XX/XX/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
Consumer complaint received 2022-03-15 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In XXXX I sent my ID, SS card, utility bill, FTC Report, and a police report to Experian and XXXX to remove several inquiries that were created fraudulently. Both companies removed a few items but failed to follow the law and remove all of them. 

Experian failed to remove : XXXX XXXX - XXXX XXXX failed to remove : 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
Consumer complaint received 2022-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
account was obtained by someone who used my identity, please remove this account from all credit reporting agencies and all negative remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
Toyota motor financial reported to my credit 30 day delinquent my score went from XXXX to XXXX. I called toyota they said the account has never been late and they did not report it as late and that the account is not delinquent. I asked why did they put it on my credit. She said her system shows they didnt, but XXXX was only 28 days and thats why it would show up delinquent. This makes no sense because 1st she says they didnt do it, there is no delinquent, then its dispute it, then oh XXXX is 28 days and thats why it was reported delinquent Please help me I went from XXXX to XXXX for NOTHING. And they wont help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: VA

Complaint narrative:
I didn't authorize these Inquiries and I am not benefiting from these Inquiries. XXXX  Date of inquiry XX/XX/2021, XXXX  Date of inquiry XX/XX/2021, XXXX XXXX Date of inquiry XX/XX/2021, XXXX XXXX Date of inquiry XXXX TRANSUNION XXXX 
XXXX XXXX  Date of inquiry 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