vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-29 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: FL

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 confidential information under 15 USC 1681. 

DEPT OF ED/XXXX-Account Number : XXXX DEPT OF ED/XXXX Account Number XXXX XXXX DEPT OF ED/XXXX Account Number : XXXX DEPT OF ED/XXXX  Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Credit Card, Terms XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX. 
Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX 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 1681c. ( a ) ( 5 ) Section 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 antedates the report by more than 7 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 resonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: NY

Complaint narrative:
n accordance with the Fair Credit Reporting act 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 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 2022-09-29 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: NY

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: Affirm Holdings, Inc
State: NY

Complaint narrative:
n accordance with the Fair Credit Reporting act Affirm Inc # 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Consumer Collection Management. Inc
State: OH

Complaint narrative:
XX/XX/2022 - I attempted to get a copy of my record from this company. I am currently trying to get an apartment and my rental report shows I owe them money. This account was included in a XXXX  XXXX bankruptcy, as confirmed by the representative I spoke to. She was unwilling to provide me a copy of my file. I am in need of this to show to the rental reporting companies so that I can clear my file. I asked multiple times and she refused, saying there are no files or records even though she was able to pull up an account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Hunt & Henriques
State: CA

Complaint narrative:
On XX/XX/XXXX I sent XXXX  XXXX a letter with supportive documents letting them know I was a victim of ID theft. I discovered my previous tenant had made photocopies of all my personal info I immediately reported this to the police. I filed a complaint with FTC, police and sent XXXX  XXXX a completely filed out ID THEFT AFFIDAVIT. I have provided XXXX XXXX with a copy of : 1. Police report 2. FTC report 3. Signed Affidavit explaining my position AS A VICTIM OF ID THEFT 4. A COPY OF MY DRIVERS LICENSE 5 Two utility bills. 

I checked XXXX XXXX XXXX and found out XXXX XXXX put a judgement lien on my house. When I spoke to XXXX XXXX about the fact that they never notified me of their intent to sue they simply stated they hired Hunt & Henriques XXXX XXXX for that and had to take up that problem with them. 

When I contacted Hunt & Henriques, XXXX they told me I have to contact XXXX  XXXX. 

Im stuck in a bad position- all because XXXX XXXX is drilling to many lawsuits into the courts that the court cant catch when the attorney is being negligent or behaving unethically. 

My case is one where a dutifully working attorney would not have acted the way that Hunt & Henriques XXXX XXXX did. 

In XX/XX/XXXX they mailed a notice of intent to sue to THE WRONG ADDRESS / different city. 

XX/XX/XXXX they file statement confirming they could not serve me ( by no fault of my own as I would never avoid being served bc I want to know what Im being accused of ) XX/XX/XXXX they allegedly served me, one month before hearing. They list that there was no one home and that they handed it to a XXXX XXXX woman at the same time! Which one is it? Was the house empty or was this stranger Ive never heard of at my house? ( My wife is a XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX but its a little funny the process server said it was a XXXX XXXX  woman at my door. 

The case should have started from the beginning once they realized they were going to the wrong house! I had been living there since XXXX a simple XXXX  search would have taken them there. 

Instead attorney submitted the documents and made it appear as though everything was done correctly. They won by default and placed a judgement lien on my house. 


The judgement lien should be removed immediately. 

This is debt collection abuse and an investigation would surely show the many many consumers harmed just like I have been.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: TN

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. in addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2022-09-29 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: Westlake Services, LLC
State: TN

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. in addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2022-09-29 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: DISCOVER BANK
State: AZ

Complaint narrative:
I first called Discover on XXXX XX/XX/2022. After talking to several individuals I was told a audit request was filed. I received a phone call on XX/XX/2022 and the Individual told me the account wqas credited with additional interest. I called back several times, ( don't remember all the dates ), spoke with several individuals including a supervisor names XXXX. He informed me that the paperwork required to perform all for audits were submitted and he would personally keep track of it and call me the next day. It has been well over a month and XXXX has not called me back and no audits were performed. I wrote a letter to the President/CEO of Discover on XXXX XX/XX/2022. To this date I have not received a reply. I have a total of XXXX XXXX XXXX all five were active during the same time frame with only one was corrected. If one account had a problem, which was indicated with my receiving additional interest, it stands to reason that the other 4 accounts have the same problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: DE

Complaint narrative:
It was brought to my attention that my Ex Fianc is currently dating an Experian credit repair employee by the name of XXXX XXXX of XXXX XXXXShes informed me that she used the database to inquire my address along with all of my most important information.Im scared that my identity is compromised, Ive reached out to the company but didnt receive any word back.Ive been trying to see how I can go about making sure my information doesnt fall into the wrong hands.Please help 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 explanation
Consumer complaint received 2022-09-29 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: NY

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX # 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: NY

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX # 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: NY

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX # 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: LA

Complaint narrative:
accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights tc privacy and confidentiality under 15 USC 1681. 


XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX h

as 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 turnisn a account wino my instructions 15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reportina agencv mav make an consumer report containina an of the followina items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven vears 15 U.S.C. 16815-2 ( 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: DC

Complaint narrative:
This involves Apple Card/GoldmanSachs . On XX/XX/2022 my bank ( XXXX  ) processed a payment of {$3200.00} which I did not initiate. Strangely, on XXXXGoldmanSachs Bank put an entry on my Recent transactions ledger, showing the amount of {$3200.00} Declined by XXXX ( in red ). 
I called GoldmanSachs right away when I realized this, but I was told that the money never reached them and that I should inquire with XXXX. I did that but was told that GoldmanSachs has not returned the money. I I called GoldmanSachs again to find out that it would take up to 9 business days for me to receive the money. I kept checking daily to see if the money was returned, to no avail. 
Finally, I went to my bank where after a thorough investigation, I was provided the ACH trace number and was told that GoldmanSachs still has the money. Again, I called GS where I was connected with a manager who told me that he set up the case for me. After another call today, I was told that the money will be returned as a check and it will take up to 9 days. I asked about my payment due date which is tomorrow, but I was told that no accommodation can be made. 
So, GoldmanSachs has been enjoying my money since XX/XX/2022 and is planning to enjoy for 9 more days that is a total of 27 days for FREE!!! I have to come up with funds to cover my Apple Card bill tomorrow because I have to keep to the demands of GoldmanSachs, while that very bank does what it wants.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
XXXX contacted a family member three times by phone, and at least one time by text. During the second call he told them that wasn't my number and not to call. They proceeded to call him a third time. They only stopped when I called them and told them they can't do that. On XX/XX/XXXX I requested they send me information about the debt in the mail, because I haven't received anything. They claimed they sent it in XXXX, but I never received it. I asked they send it again. I still haven't received anything. I talked to them again today, XX/XX/XXXX. I asked again to have the information sent to me in the mail, and they again claimed it was sent in XXXX. I again explained I never received anything in XXXX, and have already requested on XX/XX/XXXX that information on the debt be sent to me again since I didn't receive what they claimed to send in XXXX. I'm already paying the company they say I owe monthly, so I need to verify this isn't the same debt. I already called that company on XX/XX/XXXX, and was told they don't show anything was sent to collection on their side. I'm simply trying to verify this is a legitimate debt, and XXXX is being uncooperative.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX Account XXXX ( Equifax ) Amount in H/C column is credit limit of {$380.00}. Please remove from my credit report. XXXX, and XXXX does not show this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
XX/XX/2022 I have called all three bureaus Trans Union XXXX and XXXX requesting a credit report and they stated that my report would be arriving within the next 15 business days. prior to this call I submitted a letter asking for a free credit report and I did it through mail because I have ITIN number. it is XX/XX/2022 and I have not received anything from the bureaus. XXXX did send me a letter stating wrong spelling on last name and stating that they can not provide me a copy of my credit report until I provided additional information for identity. 

I have provided a copy of my ITIN sheet that was given to me by the IRS. It states my full name address and ITIN number. I have also provided a copy of my insurance card along with the bill statement from XXXX it states my name and my address as this is all I have for documentation. 

I have the right to a free credit report and I have provided the documentation that I have available to prove that the identity is mine.

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 2022-09-29 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: CA

Complaint narrative:
Experian is reporting a fraudulent account called XXXX on credit report. This is not my account and my information has been compromised. XXXX information does not match my personal information. Therefore, this account should be deleted from 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