vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-13 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: NJ

Complaint narrative:
I did not consent to nor did I authorize the below information to be reported on a consumer report about me : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX. These inquiries were Not initiated by me : XXXXXXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX. XXXX. 

Your company do not have my written instructions to furnish a report on me. Correct this issue by deleting the about accounts and inquiries or else I will file suit in the United States District Court.

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 2022-06-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want to report, errors, fraudulent, incorrect accounts, unauthorized inquiries, miss spelled, personal information, address that's are in my credit reports ...... 
I have more than ninety-eight unauthorized inquiries twenty six different names in my credit report, I contacted Experian, XXXX, and XXXX FOR THE FRADULENT INFORMATION I HAVE IN MY CREDIT THE DONT WANT TO HELP ME. 
I need hep to get those incorrect information 's and account of my credit please.

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 2022-06-13 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: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
This is my 3rd complaint with Truist Bank. I have tried to get my mortgage refinanced for over a year. The first complaint was Truist was resolved. The second complaint appears to be resolved but is still open. This complaint is regarding my credit report showing delinquent payments, late payments for XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX. I was in bankruptcy and payments were not made during that time XX/XX/XXXX- XX/XX/XXXX but it was removed because of Covid related issues. The bankruptcy was paid in XX/XX/XXXX at which time late fees were added to the mortgage. The mortgage was paid on time for months that it is showing late on my credit report. Truist states that these payments were put on past payments making them late for the XXXX 2021 months. Once again I am trying to refinance my mortgage to get my exhusband off the mortgage. Every complaint I file with Truist gets cleared up only to bring out another issue that was not on my statement or credit report prior to my trying to refinance. Truist is interfering in my moving forward and keeping my home.

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 2022-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I recently got a copy of my credit report & I saw a company " Caine & Wiener '' stating I owe them {$5700.00} for XXXXXXXX XXXX XXXX XXXX. I've never rented a car from them. I contacted the police & they told me I may have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Per the contract I and XXXX signed, the loan was to be discharged due to the school closing and the owners of the school accepting me as a student while knowing they were going to close the school. Navient/Sallie Mae have never returned our phone calls in over 14 years. There has also been a recent settlement that our loan qualifies to be discharged under and we still get calls from various collectors saying we owe when we dont. We require the information to be updated accordingly to reflect the loan has been cancelled and the proper agencies notified. Thank you for your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: FL

Complaint narrative:
I HAVE FRAUDULENT INQUIRES ON XXXX, TRANSUNION, AND XXXX THAT I HAVE NO KNOWLEDGE OF THESE INQUIRES ARE FRADULENT AND I DIDNT DO INQUIRES ARE : 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 2022-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In Accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX. Account # XXXXXXXX XXXX. ACCOUNT # XXXXXXXX XXXX. ACCOUNT # XXXX XXXX. Account # XXXX LXXXX XXXX. Account # 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 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 2022-06-13 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ACS Education Services
State: MD

Complaint narrative:
Debt collectors at ACS have been predatorial in their behavior toward my girlfriend, XXXX XXXX, repeatedly calling in morning and night hours hounding her to pay bills they claim to be past due ( even though they aren't ) after her father passed away six months ago.

Even after mailing them the death certificate, setting up direct deposit and taking the necessary steps needed to reasonably deal with the loan, the collector continues to call and not recollect these conversations after repeatedly being told the same thing. 

The language this debt collector has been abusive, misogynistic, hurtful, and abhorrent in every sense of the word. It's one thing to try and talk down on others, it's another to make light of a family member 's death. The debt collector should not be allowed to be employed by ACS or any other credited financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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 consumer, I have a right to privacy. Pursuant to 12 CFR 1016 ( Regulation P ), I should have received a reasonable opportunity before the disclosure of my nonpublic personal information to the nonaffiliated third party, to opt out of the disclosure. Since Equifax created a profile with my nonpublic personal information without my authorization, I have yet to receive an opt-out disclosure via mail, electronic means, or an isolated transaction pertaining to the disclosure of my nonpublic information from Equifax. This is not fair, accurate, equitable for me as a consumer. The nonpublic personal information that Equifax is disclosing is forcing me to lose confidence in the banking system because of Equifax credit reporting methods.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
CITIZENS BANK is the institution that I want to file against. They Debt collecting team put an unauthorized lock/freeze on my checking account on XX/XX/2022. I was not able to purchase food and supplies for my XXXX XXXX XXXX XXXX children. I was told my account could not be unlocked until the next day. I was in the middle of XXXX XXXX, XXXX enjoying family time with kids and I couldn't pay for anything. I am highly upset and disappointed with this bank because they also charged me 4 separate times for over draft fees in which I talked to a gentlemen and told him that money will replenish by the XXXX of XX/XX/2022. He told me thats fine and they would not charge me anymore. 

In recap I was charged a total of about {$120.00} in over draft fees. 

Also they were in violation of the law by locking my account without my permission. Which is up to {$1000.00} fine in damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: FL

Complaint narrative:
I HAVE FRAUDULENT INQUIRES ON EQUIFAX, XXXX, AND XXXX THAT I HAVE NO KNOWLEDGE OF THESE INQUIRES ARE FRADULENT AND I DIDNT DO INQUIRES ARE : 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 2022-06-13 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: FL

Complaint narrative:
I HAVE FRAUDULENT INQUIRES ON XXXX, XXXX, AND EXPERIAN THAT I HAVE NO KNOWLEDGE OF THESE INQUIRES ARE FRADULENT AND I DIDNT DO INQUIRES ARE : 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 2022-06-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Net Pay Advance, Inc.
State: CA

Complaint narrative:
I updated my bank account to XXXX XXXX XXXXXXXX but they sent it to wrong account to a previous account I had and I called and asked them to stop and they said nothing cant be done but they say nothing cant be done.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX... I have previously disputed XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2017 with you and in response you verified the item as accurate stating that you have verified the information with the court. I contacted the Court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681l ) and the information must 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 explanation
Consumer complaint received 2022-06-13 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: GA

Complaint narrative:
THEY WILL NOT REMOVE AN ACCOUNT THAT DOES NOT BELONG TO ME. IT WAS REMOVED AND THEY ADDED IT BACK TO MY CREDIT REPORT. I DEMAND THIS ACCOUNT GETS REMOVED FROM MY CREDIT REPORT IMMEDIATELY OR I WILL MOVE FORWARD WITH FILING A LAWSUIT.

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 2022-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
I have no idea who CAINE & WEINER is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. CAINE & WEINER is indicating that an account with the account number XXXX was opened with their company on XX/XX/2022. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. I have requested to receive notarized validation from CAINE & WEINER via certified mail XXXX # and the company has ignored my request. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized CAINE & WEINER as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ CAINE & WEINER } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 

5. Provide the delegation of authority from the Director of the XXXX XXXX XXXX XXXX XXXX CAINE & WEINER, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 

XXXX. Provide the XXXX XXXX XXXX. 


Violation ( s ) : Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). 
Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

Failure to provide an Opt Out Notice.

Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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  the following accounts violated my rights : XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX  # 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 : 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 2022-06-13 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Avant Holding Company, Inc.
State: CA

Complaint narrative:
on XX/XX/XXXX i found charges on my avant credit card and reported them immediately and shut down the card. on XX/XX/XXXX found 2 more charges and called again to report the fraud. i have called a total of 12 times and each phone call is documented. avant refered me to shelbi in the fraud division last month, the charges on my account are XXXX XXXX- {$12.00} XX/XX/XXXX XXXX XXXX {$20.00} XXXX XXXX XXXX- {$20.00} XXXX XXXX {$20.00} XXXX XXXX XXXX- {$53.00} XXXX XXXX XXXX XXXXp- {$16.00} XXXX XXXX XXXX {$23.00} XXXXXXXX XXXX XXXX XXXX {$16.00} XXXX XXXX XXXX  {$35.00} XXXX XXXX XXXX {$21.00} i have no knowledge of the charges and now because no one will help me my credit score has decreased due to avant reporting I am over my limit and not doing their job. i'm XXXX and on a very fixed income and shelbi in the fraud division keeps telling me via email ( because she has not answered any of the 6 times i called nor has she tried to call me back and i have my call log from my phone company to prove and will give if needed ) that the charges that I am saying are not mine she can not find. can you please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: GA

Complaint narrative:
A STUDENT LOAN IS REPORTING ON MY CREDIT REPORT THAT I DONT OWN AND ITS FRAUD.

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 2022-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
According to a XXXX XXXX  with Wells Fargo, the below complaint contains no new evidence which I believe to be incorrect., his reply refers back to prior Wells Fargo reps replies which do not contain any new evidence... Please note, this rep request more time to reply than the normal 30 days period, unable to produce any new evidence, he simply refers back to prior CFPB replies... Please see complaint below.. 
I've requested the attached 1099 form showing a reported amount of {$5100.00} updated to show no such amount received, Wells Fargo replied by referring me to a tax professional. The tax professional as well as IRS reps advised the 1099 form needs to be corrected to show no such amount received. The amount, {$5100.00}, was sent to my old address, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CT XXXX, after I moved. The check was intercepted, signature forged, cashed at a XXXX. XXXX will not release funds as there are no funds in account which is now closed. Wells Fargo will not reissue payment, despite their error in sending to old address after moving and not verifying address.. Further, they will not correct 1099 form to show no amount received...

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 2022-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TD BANK US HOLDING COMPANY
State: ME

Complaint narrative:
on XX/XX/XXXX XXXX XXXX of the XXXX XXXX XXXX XXXX XXXX contacted my husband ( XXXX XXXX ) about an old debt in my name ( XXXX XXXX ) and had his social security number. XXXX XXXX said they would be serving court papers and a lien would be placed on our house but that my husband could pay {$1000.00} over the phone to stop the process. My husband said he needed to speak with me first. I contacted XXXX XXXX, who told me the original debt was over {$400.00} dollars from TD Bank XXXX, but that now with fees it would be over {$4000.00} if we went to court. He said they would be serving me court papers on Thursday. I told XXXX XXXX I did not ever owe TD Bank XXXX  that amount and that I had disputed a smaller amount back when I had the account, prior to XXXX. He said they would be serving me court papers. XXXX XXXX hung up on me, then 15 minutes later contacted my employer and asked for the physical address, telling the secretary they would be serving me court papers on Thursday. He then called and left another message on my voice mail. I did not acknowledge the debt, nor have we received any written correspondence in regards to this debt. I have not had an account at TD Bank XXXX in more than 13 years. His number is XXXX ext. XXXX. He said my case number is XXXX. I believe the statute of limitations for old debt in my state is 6 years and that XXXX XXXX is trying to scare us into paying money we do not ( and have not ever ) owed. I also pulled my credit report from XXXX to make sure I hadn't overlooked anything and there is no mention of this debt to be found on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: SC

Complaint narrative:
I happened to review my credit card with a financial adviser and I noticed these hard inquires that I have no clue of. We tried calling some of these places with no luck. They transferred us from one location to the next. Here is the list : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 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 non-monetary relief