vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Furnishing my report without consent. In accordance with the fair credit act, my rights have been violated. 15 U.S.C 1681 602 A. States I have a right to privacy. 15 U.S.C 1681 section 604 A section 2. It also states that a consumer reporting agency can not furnish a account without my written instructions. I recently viewed my credit report and notice some unauthorized accounts on 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 non-monetary relief
Consumer complaint received 2022-08-23 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:
Delete Late payments from XXXX from XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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:
Delete Late payments from XXXX from XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, 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 2022-08-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Giggle Finance Inc.
State: FL

Complaint narrative:
I applied online for a payday business loan from Giggle Finance on XX/XX/2022 and signed a one page contract ( company only made one page visible to me upon signing ) by email. I immediately decided I did not want the loan and tried to contact the lender repeatedly to cancel the loan entirely and they never answered or responded to my phone calls. This was an immediate red flag. I received an ACH deposit in the amount of {$450.00} on XX/XX/2022 & contacted my bank right away to block the merchant transactions as I suspected this lender may not be trustworthy. I attempted to repay the funds that were disbursed prior to cancelling my card, but their website does not give the borrower any option to set up an account and make payments and still they were not answering any calls to their company phone. Now 3 months later after NO CONTACT from the lender they have forwarded the matter to a collection firm and filed a UCC lien with the state against my business assets that caused a random cash app account to be frozen. Per the collection firm, they are demanding over {$1000.00} to settle the debt which is laughable. The collection firm has also stated that issue has occurred with several other borrowers on behalf of this company. Again, Giggle has made zero effort to contact me directly and they have not answered any phone calls to their company phone, which I suspect they do on purpose to avoid listening to consumer concerns about their predatory lending practices. I have only been in contact with them through the debt collection firm over the past week of XXXX and they are lying and deceiving even them! Please beware!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Atlanticus Services Corporation
State: MO

Complaint narrative:
In XXXX of last year an account was opened in my name for a credit card with a limit of over 2000 USD and was maxed out instantly using incorrect personal information. When i contacted the credit company they had incorrect phone number and address on file for this fraudulent account proving it was made by someone else. This was 100 % fraud. Late payments started showing up on my credit report damaging my score. The account was closed and then reopened when i attempted to rectify the issue with the credit company. I have tried several times to receive help from the company but they have done everything to ignore my issue and continue to claim the account is mine while sending late payment notices every month. I hired a credit repair company to investigate the matter but were only able to remove one item from my credit report. They were able to prove the account is fraud but for some reason they couldn't get the major credit companies to go further into removing more than the one item from my credit report.

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 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am an elderly lady who doesn't check my credit report a lot but when my child showed me how I realized someone rented an apartment using my name, The name of the creditor is XXXX XXXX XXXX they are on my credit report 3 times with a total debt of XXXX which is not mine. Also there were several hard inquiries on my report XXXX XXXXXXXX, XXXX XXXX. XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX DBA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Company still REFUSES to provide account statements and bills. Asked multiple times by phone and electronically- they keep ignoring. CFPB complaints also ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Cannon & Cannon Firm PC
State: CO

Complaint narrative:
Process server has harassed the current owner where I used to live and had been repeatedly told I now longer live there. They have also harassed my former neighbors, gotten angry with the current occupant, and after being told I do not live there several times STILL SERVED THE PAPERS by leaving them on someones porch because I used to live there. This is absolutely illegal. They have crossed no trespassing signs, used abusive language, and even sat outside the house for half an hour before even though I do not live there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX BANK account # XXXX, US DEPT ED account # XXXX, XXXX account # XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX BANK account # XXXX, XXXX XXXX account XXXX XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXXXXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  account # XXXX, has violated my rights. 

You have VIOLATED multiple laws. 
15 U.S.C 1681i 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. 
You DID NOT have my written instructions to do so. If so, PROVIDE THEM. 

I command that these accounts be permanently deleted from my credit profile or you will be held accountable and responsible for {$1000.00} per violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MIDFIRST BANK
State: TX

Complaint narrative:
Dear CFPB XXXX, I'm reporting that I have been mistreated by XXXX Bank. I enrolled the XXXX Bank {$250.00} promotional program ( please see attached PDF ) by opening the new checking ( ending in XXXX ) and savings ( ending in XXXX ) accounts on XX/XX/2022. And I have met all of the requirements described in this program language/terms by early XXXX ( XX/XX/2022 ). However, today is XX/XX/XXXX, and the promised bonus ( {$250.00} ) has still not shown up on my XXXX account. I have been trying to contact their customer services by phone, however, no success. Therefore, I have to find a way to get the justice, and I'm glad that CFPB exists. I signed up today and it is the first time in my life that Im submitting a complaint. Please help solve it. Thank you in advance!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Account- XXXX XXXX XXXX XXXXXX/XX/2022 $ XXXX Inquiry- XXXXXXXX XXXX XXXXXX/XX/2022 inquiry- XXXX XXXX XXXX XX/XX/2022 inquiry- XXXXXXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXX accountXXXX XXXX XXXX XXXXXX/XX/2022 {$140.00} Account- XXXX XXXX XXXX XX/XX/2022 {$390.00} inquiry- XXXX XXXX XXXXXX/XX/2022 The above referenced accounts/inquiries were not authorized by me. Ive contacted companies in regards to the misinformation and given them 30days to comply. The companies who did comply are not list and they have removed any false info from my 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 non-monetary relief
Consumer complaint received 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Account- XXXX XXXX XXXX XXXXXX/XX/2022 $ XXXX Inquiry- XXXXXXXX XXXX XX/XX/2022 inquiry- XXXX XXXX XXXX XX/XX/2022 inquiry- XXXXXXXX XXXX XXXX XXXXXX/XX/2022 account- XXXX XXXX XXXX  account- XXXX XXXX  XX/XX/2022 {$140.00} Account- XXXX XXXX XXXX XX/XX/2022 {$390.00} inquiry- XXXX XXXX XX/XX/2022 The above referenced accounts/inquiries were not authorized by me. Ive contacted companies in regards to the misinformation and given them 30days to comply. The companies who did comply are not list and they have removed any false info from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account ( XXXX XXXX XXXX XXXX Open XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX $ XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX $ XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Fair Credit Reporting Act Section 611 ( a ) 6 & 7 you are to provide me with your method of verification.

I demand proof that you went through all the proper and logical steps that would have been necessary to verify/validate or refute my dispute. 

Part 6 & 7 : Section 611. Procedure 1 ) The person you spoke with at the bankruptcy court 2 ) Provided me a complete copy of all the information that was transmitted to the data furnishers as part of the investigation as is required by FCRA : 3 ) Who did you speak with? 
4 ) What was the date of your inquiry?

5 ) How long was the conversation?

6 ) What was the position of the individual you spoke with?

7 ) What number did you call?

8 ) What is the name of your employee or their I.D . number of the person that spoke with directly?

9 ) What number did your employee call?

10 ) What is the position of your employee that spoke to the at the Bankruptcy court? 

Equifax did not follow the law, the Fair Credit Reporting Act section Under the Fair Credit Reporting Act Section 611 ( a ) 6 & 7 you are to provide me with your method of verification, I demand proof that you went through as listed above to include all the proper and logical steps that would have been necessary to verify/validate or refute my dispute. It not delete the Bankruptcy from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: FL

Complaint narrative:
Re : Selene Finance Mortgage loan # XXXX I was the primary borrower on a mortgage loan with Selene Finance. The co-borrower on the loan, my mother, passed away before the loan was paid off, she was also a widow. I paid the home off XX/XX/2022. The escrow reimbursement check was issued by Selene Finance XX/XX/2022, and sent to me in both names. 

Because my mother died with no assets, no will and no bills, the XXXX XXXX FL probate office refused to open probate or an estate and appoint an administrator as there was no need. 

My warranty deed to the property for which the mortgage loan was granted, is a survivorship deed granting any owner/co-owner of title the right of survivorship and property in case of the death of any co-owners without circumstance from other family members or persons who would feel they had claim to the deceaseds assets. In light of all this, On XX/XX/2022, I returned the check and included a certified copy of her death certificate and a letter of explanation and request, asking Selene Finance to reissue the escrow check in my name alone as it could not be cashed with her name on the check. The documents were received by Selene Finance on XX/XX/2022. To this date of XX/XX/2022. I have not received a new check. 

I have emailed Selene Finances customer service department multiple times only to get form letters back by postal mail stating they received my communication and by law they had 30 days to respond but with no updates or explanations. Thats all that I have received back to date. I have called customer service multiple times only to stay on hold 30 mins or more and then be disconnected. 

I feel that nearly 5 months is way more than long enough for Selene Finance to have reissued the check with the evidentiary document presented to them and the original check back in their possession. 

At this point, they are in possession of money ( {$1100.00} ) that does not belong to them but belongs to me, and it seems they are refusing to cooperate ( even in response to the possibility of legal counsel involved ) with the request of the reissuance of the check in my name alone. This neglectful or willful inaction and uncooperativeness could be construed as theft. It may not seem like a lot of money to them but it is to me because it is needed to pay my property taxes for the 2022 tax year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Furnishing my report without consent. In accordance with the fair credit act, my rights have been violated. 15 U.S.C 1681 602 A. States I have a right to privacy. 15 U.S.C 1681 section 604 A section 2. It also states that a consumer reporting agency can not furnish a account without my written instructions. I recently viewed my credit report and notice some unauthorized accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Furnishing my report without consent. In accordance with the fair credit act, my rights have been violated. 15 U.S.C 1681 602 A. States I have a right to privacy. 15 U.S.C 1681 section 604 A section 2. It also states that a consumer reporting agency can not furnish a account without my written instructions. I recently viewed my credit report and notice some unauthorized accounts on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
On XX/XX/22 I mailed Citibank money transfer check for 0 % interest rate x 9 months to Citibank. The expiration date on that offer was XX/XX/22. I received a text message 5 days later asking if I approved a transfer to Citibank for $ XXXX. I approved it. On XX/XX/XXXX I received an email stating the check had expired before it reached them, but they processed it and had executed the transfer using the APR of 14.5 %. 
I called Citibank to contest itvand was told that the check had expired when they transferred it and I should have 'declined the transaction '. The initial text message included NO information about expiration date and 14.5 % APR. The agent told me that they had processed the expired check and that there was nothing I could do. I advised him that Citibank 's actions were illegal and he reiterated that there was nothing I could do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I have an outstanding student loan with XXXX XXXX, and all information is wrong and repeated, the same account appears 3 times, XXXX XXXX, XXXX XXXX XXXX XXXX twice. it says the original creditor is XXXX XXXX XXXX. all three have wrong information, and I only had one student loan.

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