vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation
State: VA

Complaint narrative:
Fortiva continues to not report my credit card data to all three credit!! This has been in existence for 17 months! Fortiva refuses to try to understand and or do anything about it! 
I have submitted complaints and Fortiva lies and says they have been working on the problem! They have not! My account is not even a tradeline for XXXX or XXXX! They just ignore this and as I continue to point out that updating a non-existent is not working! They have to establish Fortiva as a Tradeline for those bureaus but refuses to do anything about the problem! Can you please help me this time?

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 2022-10-06 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: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
On XX/XX/2022, charges were made on my TD Bank debit card account ending in XXXX in the following amounts by a company called XXXX : {$480.00}, {$500.00} and {$100.00}. I did not have anything to do with these charges. The fraud also occurred simultaneously on two credit cards of mine. The company name changed once it processed on the bank statement to XXXX XXXX XXXX XXXX XXXX. 

After one of the credit card companies called me to inquire about what appeared to be fraudulent activity on my credit card with them, I checked my bank account online and saw fraudulent activity as well. I called TD Bank immediately the morning of XX/XX/2022, to report these unauthorized charges. The representative confirmed she would put a hold on my debit card and she assured me I would be notified that once the transactions were posted, TD Bank would contact me with an update. The reference number is : XXXX. I have not heard from TD Bank fraud department to date. 

On XX/XX/2022, I went to TD Bank located at XXXX XXXX XXXX, XXXX XXXX NY XXXX, and spoke to a representative named, XXXX. He issued me a new debit card and assured me I would hear from the fraud department within two weeks. I have not heard from anyone at TD Bank unless it is me calling to which I am told that I will hear from them. 

It has been over a month since I asked TD Bank to reinstate my money into my bank account that was removed because of these fraudulent charges. Please note when I was at the bank getting a new debit card, the {$100.00} charge was removed before posting to my account. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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 Fair Credit Reporting act. The List 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 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 XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reports of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the 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 non-monetary relief
Consumer complaint received 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with Fair Credit Reporting act. The List 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 XXXX XXXX XXXX : # 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 : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reports of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the 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 non-monetary relief
Consumer complaint received 2022-10-06 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: LEXISNEXIS
State: FL

Complaint narrative:
Lexisnexis is the company I am having issues with. I have noticed that my information in my scores are incorrect or missing information. I have requested a hard copy of my report but still have not received it. I decided to opt-out on XX/XX/XXXX. XX/XX/XXXX, I decided to put a security freeze on the account, I gave them a call. They informed me that the freeze will be in affect after XXXX hours. On XX/XX/XXXX, multiple insurance companies were still able to check my account without my consent. I gave them a call back ( lexisnexis ) today XX/XX/XXXX, and the lady I spoke with told me to call those same insurance companies to ask why they did a search for my credit. I asked the representative from lexisnexis why were insurance companies still able to check my credit with a security freeze and she could not answer that, nor give me directions in solving it. For 4 years this has been affecting my insurance rates and me not being able to even obtain home insurance from most companies due to incorrect information. When I first spoke with Lexisnexis ( approx 3-4 weeks ago ) asking what was in my report and that I would like to dispute it, he just told me he can not help me. That I can not put a dispute in with lexisnexis. I have never had problems before with my scores. This is my XXXX XXXX, military family that moves alot. For some reason when I bought this house all my problems with this company started.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MRS BPO, LLC
State: CO

Complaint narrative:
On Monday the XXXX I sent MRS a dispute. Disputing the charges they claim to be trying to collect of {$2800.00} cents. And asked that they stopped calling me and emailing me until they mail a letter showing proof that I, XXXX XXXX XXXX, owe the debt that they claim I owe. Doing so I asked them to stop trying to collect, as well as to not report said debt to the credit agency 's as I do not own said debt. If they were to keep emailing and calling me, which they have been doing while I am at work. That they would be in violation of FDCPA. 
Today XX/XX/2022, they called me again to collect this debt, that has been disputed formally. I am requesting all debt collection to top and the debt that I'm being accused of owing, to be terminated from my record all together. As they are now in violation of FDCPA.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act ; XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 
15 U.S.C. 1681 Section 604 A. 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 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX as a US Department of HHS covered entity improperly shared information with a third party about my medical/dental debt and services to ( XXXX XXXX  XXXX XXXX XXXX XXXX regarding XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX XXXX HIPPA notice to customers is attached. 

FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) requires the removal of derogatory information that can not be verified. The account can not and has not been validated nor the original contract provided legally without violating HIPAA. My previous disputes with the CRAs ( Transunion, XXXX, and XXXX ) have been ignored to date. 

Please provide a FULL CONSUMER FILE DISCLOSURE. 15 U.S.C. Section 1681g ( a ) ( 1 ) for verification of debt and material facts supporting reporting the continued unlawful reporting of private consumer information.

The account has not been validated after request and no HIPAA release has been provided to me for any of the medical debt and reporting of dental services. The HIPAA privacy rule requires a " business associate '' ( collection agency or billing firm ) to reasonably limit the amount of information disclosed for such purposes to the minimum necessary as well as to abide by reasonable requests for confidential communications. HIPAA Regulations, the Privacy Rule requires an Associate to enter into a partner contract containing specific requirements with an Associate prior to the disclosure of PHI, as set forth in, but not limited to, Title 45, 164.502 ( e ) and 164.504 ( e ) of the Code of Federal Regulations ( CFR ).

Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of title 15, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal.

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 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX as a US Department of HHS covered entity improperly shared information with a third party about my medical/dental debt and services to ( XXXX XXXX XXXX XXXX XXXX XXXX regarding XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX XXXX HIPPA notice to customers is attached. 

FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) requires the removal of derogatory information that can not be verified. The account can not and has not been validated nor the original contract provided legally without violating HIPAA. My previous disputes with the CRAs ( XXXX, XXXX, and Experian ) have been ignored to date. 

Please provide a FULL CONSUMER FILE DISCLOSURE. 15 U.S.C. Section 1681g ( a ) ( 1 ) for verification of debt and material facts supporting reporting the continued unlawful reporting of private consumer information.

The account has not been validated after request and no HIPAA release has been provided to me for any of the medical debt and reporting of dental services. The HIPAA privacy rule requires a " business associate '' ( collection agency or billing firm ) to reasonably limit the amount of information disclosed for such purposes to the minimum necessary as well as to abide by reasonable requests for confidential communications. HIPAA Regulations, the Privacy Rule requires an Associate to enter into a partner contract containing specific requirements with an Associate prior to the disclosure of PHI, as set forth in, but not limited to, Title 45, 164.502 ( e ) and 164.504 ( e ) of the Code of Federal Regulations ( CFR ).

Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of title 15, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal.

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 2022-10-06 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: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries and information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06 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:
I was recently divorced and as a result I was relieved of all financial obligations of a loan with XXXX that was taken out by my ex-spouse. This decision was a judgment as a result of the divorce and separation of assets. XXXX is not honoring this judgment and continues to report this account to my credit file when I have no legal obligation to this account. Due to the abuse at the hands of my ex spouse, XXXX is continuing to allow the financial abuse to continue. XXXX should honor the court 's judgment and cease reporting this account to the credit bureaus. This ongoing fraudulent reporting has caused me emotional and financial hardship and distress. 

Loan Information : Account number : XXXX Account owner : 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 2022-10-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I contacted Santander about the account and asked about the several times i have asked for the debit to be verified I also advised that I wanted to Rescind said contract due to false and misleading practices used I was advised that my contract was not going to be settled and i am the one who is going to pay it I advised the employee/supervisor of the laws being broken and that the said debit was not verified and that I can rescind alleged debt / contract she advised me that that will not happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries and information.

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 2022-10-06 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: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries and information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: IL

Complaint narrative:
I sent a letter out on XX/XX/XXXXXXXX XXXX, 2022 to XXXX, XXXX and Equifax. Here are my tracking numbers ; XXXX : XXXX XXXX : XXXX Equifax : XXXX According to the law 15 U.S. Code 1681i -Procedure In case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such a dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the dispute information is inaccurate and record the current status of the disputed information, or delete The item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Supreme Lending
State: GA

Complaint narrative:
We recently closed on our mortgage back in XX/XX/2022. We received confirmation on our documents that the funds to cover our county taxes were collected up front and put into our escrow account. The amounts we were required to pay every month to go into and towards our escrow and taxes were analyzed by our lender. It is almost time for our taxes to be disbursed and we received the Property Tax bill, and it is much higher ( over {$2000.00} short ) than what was collected upfront and calculated to cover this cost. It is going to create a shortage in our escrow account and make our monthly payments go up higher. This is going to create a hardship due to an error on the lending company not calculating and collecting the correct amount up front. This should not be something we have to make up for, the Lender should be responsible for this shortage we are just starting off with obtaining our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: AZ

Complaint narrative:
Debt Collection Agency : I.C. SYSTEM, INC I NEVER heard of this company before, but I know their kind because I have been living in this nightmare for about 3 years. 

So an XXXX XXXX XXXX XXXXXXXX account was opened and closed promptly in my name but in a different state. Of course, I had no knowledge of it until someone dinged my pristine credit rating over and over again, resulting in a significant decline in my XXXX XXXX. 

To make the long story short, when I called XXXX XXXX XXXX did not even have a record of any account based on my information. But somehow, the original creditor is XXXX XXXX XXXX. Fortunately, my XXXX XXXX was restored after reporting that it was a fraud. I was so wrong! 

You see, these debt collection agencies sell the debt to " other '' collection agencies when they are not able to collect it. And promptly, without any notice, they would ding my credit ( some companies ding me more than 4 times a month ). And that charade continues while the victim ( that is me ) is helpless in doing anything. 

The credit bureau doesn't help ( XXXX ) because they said I need documents, but I don't have any and can't get any from those collection agencies. They just have my information, the amount of debt, and the POWER to ding my credit anytime they choose to do. It's about {$400.00}, and there is no way I would pay even a dime for such evil companies. 

Now, my credit score went down by more than XXXX points within a month because this company dinged me twice, I have to go through all these useless and unsuccessful steps once again to mitigate this situation. And XXXX XXXX wants me to file a fraud report to ftc.gov and send subsequent documents to them before they can " restore '' my credit score. 

Hope no one goes through what I am going through.

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