vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-12 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: GA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 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:
N Accordance with the fair Credit Reporting Act XXXX  AccounXXXX 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 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 2022-06-12 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: PA

Complaint narrative:
N 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 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 2022-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Heartland Resolution Group, LLC
State: GA

Complaint narrative:
Heartland Resolution Group has caused me stress, abuse and injury. I do not know Heartland Resolution Group. Heartland Resolution Group has stolen my identity. I have not given Heartland Resolution Group any form of written instruction nor verbal instruction to accept, furnish or report any information on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian refuses to remove an account from XXXX XXXX XXXX in the amount of {$1600.00}. I have now disputed this account no less than three times, as recent as XXXX of this year. Experian has returned with a response that the debt has been verified, but has refused to send me any proof or documentation of this debt or contact with the collection agency. I have received confirmation from both XXXX and Experian that this debt can not be verified as mine and it has been removed from both bureaus. Experian has not validated this debt or responded to me regarding it. If this debt can not be validated, it is my legal right that it be removed from my credit profile. 

I have additionally tried to obtain validation of this debt from the collection agency directly. The letter was returned to sender as the address on the letter of debt that I received is invalid.

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 2022-06-12 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: IN

Complaint narrative:
The following company, XXXX XXXX XXXX  used my credit profile improperly without my permission.

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 2022-06-12 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: IN

Complaint narrative:
The company XXXX XXXX  XXXX also operating under the name XXXX has improperly used my information and reported inaccurate information to my credit profile. I have disputed this information with all three major credit bureaus and only received resolve with XXXX. This account being reported was being reported as two accounts with the same account number and different historical payment information and dates. This account has been deleted and needs to be updated with the other credit bureaus.

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 2022-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NJ

Complaint narrative:
On XX/XX/22, I requested a transfer to {$2200.00} to my sister-in-law XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A fee of {$26.00} was charged on the transaction so the total amount debited from my checking account was {$2200.00}. The transfer was accepted by MoneyGram and the money was sent to the bank or agent in XXXX XXXX. 

When my sister-in-law went to pick up the money at the bank or agent in XXXX XXXX she was told that transfers in excess of {$2000.00} were not allowed and therefore they could not give her the money, not even {$2000.00} of the money. 

I contacted MoneyGram and asked if they could reduce the transfer amount o {$2000.00} and credit {$200.00} back to me. I was told that this was not possible, that the only option available to me was to cancel the transaction and do it over again. I was also told that I would not be refunded the {$26.00} service fee. 

MoneyGram holds themselves out as the expert in money transfers and they should have known of the {$2000.00} limit on transfers and prevented me from attempting to make a transfer for an amount greater than this, but they did not prevent me from attempting this. 

I believe that MoneyGram had an obligation to inform me that transfers in excess of {$2.00} are not allowed and they should have informed me of this, and they should have prevented me from executing this transfer. Therefore, they should refund the {$26.00} fee to me. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 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: AR

Complaint narrative:
In accordance with fair credit reporting act XXXX account XXXX Has violated my rights. 
15 U.S.C 1681 section 602 A. States that i have rights to privacy.

15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without 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 2022-06-12 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: Convergent Resources, Inc.
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-06-12 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following accounts violated my rights : U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED XXXX XXXX XXXX DEPT OF ED / XXXX XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX XXXX DEPARTMENT OF EDUCATION XXXX XXXX DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX US DEPT OF EDUCATION XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX DEPT OF ED/XXXX  XXXX XXXX DEPT OF ED/XXXX XXXX XXXX DEPT OF ED/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 an account without my written instructions. Thanks!

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 2022-06-12 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: IN

Complaint narrative:
The company XXXX XXXX XXXX also operating under the name XXXX has improperly used my information and reported inaccurate information to my credit profile. I have disputed this information with all three major credit bureaus and only received resolve with XXXX. This account being reported was being reported as two accounts with the same account number and different historical payment information and dates. This account has been deleted and needs to be updated with the other credit bureaus.

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 2022-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2022 a certified letter was sent to Wells Fargo to validate the debt and cease and desist collection activity. 

Wells Fargo violated the 15 USC 1692g : *Wells Fargo did not validate the debt.

*Wells Fargo sent an " Acknowledgement Email '' on XX/XX/XXXX, XXXX with case number : XXXX. 
*I received a letter dated XXXX XXXX which stated Well Fargo received a cease and desist communication. Wells Fargo advised they will continue monthly paper statements and advised that the communication was an attempt to collect a debt and that any information obtained will be used for that purpose. 
XXXX XX/XX/2022, Well Fargo sent a bill attempting to collect a debt.

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 2022-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for d purpose.

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 2022-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Midland Credit Management Inc. uses offshore call centers to collect debts. In telephone calls with me, their representatives used false names. It appears MCM instructs them to use an Americanized name in order to convince people to pay the debt despite giving their personal information to an offshore call center. 

By falsely representing the true name of the collector, and Americanizing their names, MCM is violating the false representation provisions of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 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: IN

Complaint narrative:
I recently had some fraudulent hard inquiries being reported on my Equifax credit profile that I disputed with Equifax directly. Based on the information Equifax sent to me three hard inquiries that were stated to be deleted are still reporting on my Equifax report even though they have sent me a letter stating that they were deleted. The following three hard inquiries include XXXX, XXXX XXXX XXXX, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
I was coming out of Forbearance and was contacted by Mr Cooper reps about next steps. They gave me no other option but to settle the entire amount of the forbearance period in XXXX payment. 
I contacted the VA and had them help me with this by having the VA make an extension. Paperwork was sent to me for me and my wife to sign and notarize. We called and scheduled the notary, paid and had the packet sent back. This was last XXXX. At the end of XXXX, a second packet was sent out to me, and I received an email from the Mr Cooper rep informing me that the paperwork was wrong and my wife signed in error, as she is not on the original loan- only the deed. So I was to have the paperwork signed and notarized and sent back in. They told me mr Cooper would schedule the notary for this. 
None was ever scheduled. I was also told, by an account rep, NOT to make payments as this would mess with the extension and payment schedule. 
At this time it was XXXX. It is now XXXX, no notary has been scheduled and I tried calling to make a mortgage payment. I was informed that I could not make just XXXX but that I had to make XXXX months worth of payments all at once and my house is in foreclosure as of XXXX XXXX. I was informed that a demand letter was sent to me in XXXX. After I told them I received no such letter, I was informed that not receiving it doesnt matter and I am still responsible for the payments and other issues in said letter. I still have not received any letter. 
My online account is disabled, so all I am able to do is see how much I owe and see the phone number to their customer service to make said payment as it is impossible to make an automated payment online. 
I have contacted my VA account XXXX and I am in contact with her, but I still have no idea how I am making XXXX  months worth of payments and avoiding foreclosure. I spoke to a loss mitigation XXXX at mr Cooper and all she could do was demand full payment and refer me to my state agencies for financial assistance I am about to become a statistic due to MR Cooper and their lack of administrative organization and demands that they are always correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX bankruptcy XX/XX/20 This has already been XXXX.on XX/XX/20 XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/20. This already been XXXX on XX/XX/20

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 2022-06-12 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: NY

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for d purpose.

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 2022-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for d purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I mainly used my Chase credit card for shopping and dining, but on XX/XX/XXXX and XX/XX/XXXX, I noticed two fraud transactions. One is under Professional services with an amount of {$310.00} and the other is under Education with an amount of {$110.00}. I immediately reported to Chase that they are fraudulent charges as my identity could be hacked. I also immediately changed all my passwords. Chase initially reimbursed my money and replace my card with a new number, but on XX/XX/XXXX it secretly reposted these two charges on my new card without calling me. I had to call Chase to get someone to tell me why it happened. Someone from fraud prevention team (? ) told me these two transactions are valid because it matches my information. Seriously? The identify theft of course got those information through illegal activities. Anyway I told Chase I disagree with the decision then they promised to look into the issue and contact me to get more information. Then two days later, I got a message in the Chase App ( Again no call, no formal letter ) that they insist the transactions are valid and threatened me to pay the amount otherwise I will break cardmember agreement. What a joke. I will never do my business with Chase again after this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Midland Credit Management Inc. filed a lawsuit in Arkansas against me. Even though the case was in court and they were represented by an attorney, they continued to have an offshore call center attempt to collect the debt. 

After they dismissed the lawsuit, they continued to report the debt to the credit bureaus. 

Despite knowing that I dispute the charges, and without having any information about said charges, they continue to assert the debt is valid and continue to refuse to investigate dispute I placed with the three credit bureaus.

Midland Credit Management is quite aware that the charges are not valid, that I did not authorize most of them, and that I am owed a refund on the account for amounts I overpaid XXXX  XXXX.

Company response to consumer: Closed with explanation