vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-10 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: CITIBANK, N.A.
State: NY

Complaint narrative:
On XXXX XXXX After making numerous called to XXXX about the multiple inaccurate inquires and accounts being reported on my consumers report they refuse to remove the information as requested. 

As per XXXX data sharing policy they mention they get permission from 3rd party sources to report information on my consumers report. I did not give consent to XXXX or any other person to furnish any data of mines. Im also suppose to receive a copy of me consenting to XXXX data sharing, but I never received this information to opt-in or opt-out which is a deceptive practice. As the consumer I did give consent to XXXX or any person permission to report/share any assumed data that I will mention in the complaint. 

XXXX and its 3rd party furnishers/person are in violation of their own data sharing policy, and my consumers right to privacy. Which are also in violation of 15 U.S. code 1682B Section A ( 1 ) ( 2 )., They are also in violation of the data protection act.

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 2022-08-10 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: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
On XXXX XXXX After making numerous called to XXXX about the multiple inaccurate inquires and accounts being reported on my consumers report they refuse to remove the information as requested. 

As per XXXX data sharing policy they mention they get permission from 3rd party sources to report information on my consumers report. I did not give consent to XXXX or any other person to furnish any data of mines. Im also suppose to receive a copy of me consenting to XXXX data sharing, but I never received this information to opt-in or opt-out which is a deceptive practice. As the consumer I did give consent to XXXX or any person permission to report/share any assumed data that I will mention in the complaint. 

XXXX and its 3rd party furnishers/person are in violation of their own data sharing policy, and my consumers right to privacy. Which are also in violation of 15 U.S. code 1682B Section A ( 1 ) ( 2 )., They are also in violation of the data protection act.

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 2022-08-10 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MI

Complaint narrative:
On XX/XX/2022, Toyota Financial Services, which is a debt collection agency, hired someone, without my knowledge and consent, to come to my home and take my vehicle which was fully paid for with my consumer credit application and said that if I didnt pay $ XXXX to them, I cant have my vehicle. They never applied the accepted credits to my account and without my knowledge nor authorization to falsify information and report to the credit reporting agencies that I have not paid and have missing payments. As a consumer, my rights to privacy were violated and are trying to coerce me to repay them even though they got paid the moment I submitted my credit application. The FDCPA states that any form of harassment, as well as the taking of illegal action, improper sharing information, and false representation is prohibited. They are in current possession of my vehicle and are determined to not give it back unless I pay an alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I was out of town when the payment was due, and while trying to call I got the message there was a problem at the time, and try to call back later. While calling later, I got the same message. Therefore, I tried using my cell phone to pay the bill and since I was out of town, I did not have my login information, thus taking a long time to login. At XXXX central standard time I finally got through to make the payment. The credit card company considered that late, because they said it had to be made by Eastern standard time. Thus it rolled over to the next day receiving a LATE fee of {$29.00}. The credit account is closed because the store closed. Because I try to do the right thing, I continued to make all payments on time. While explaining this to a representative, she indicated there was no chance of a one time waiver, even with my making payments on time. The company and bank is ComenityXXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: KS

Complaint narrative:
Multiple calls in attempt to collect debt from person that is not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SAMUEL I WHITE PC
State: VA

Complaint narrative:
XX/XX/2022 Complaint of an Illegal Collection of a Mortgage Activity. 
1. Complaint Party Estate oXXXX XXXX XXXX Subject Property : XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX Complaint Action : Illegal Foreclosure Attempt. 
Date of incident happen : XX/XX/2022 XXXX. Sublet of Complaint Party Samuel I. WhiteXXXX P.C., Attorneys and Counsellors at Law Licensed in : Virginia, Maryland, West Virginia and Washington D.C. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Tel XXXX ) XXXX XXXX, Fax XXXX ) XXXX 3. Questions on his attempt to foreclosure above property a ) Can Debt collector and Trustee be a same person? 
b ) Can a debt collector foreclosure a property? 
c ) Can a Trustee foreclosure a property with a broken chain of title? 
d ) Can a Trustee foreclosure a property with imperfect Deed of Trust and/or Note? 
XXXX ) Can a Trustee foreclosure a property without formal notice and necessary paper work to the Trustors ( in this case estate of deceased ) f ) If one of above is illegal, No one knows how many illegal activities he performed in the past but himself. An Investigation should be performed and give him a deserved discipline penalty for prevent further victims creation. 
g ) We remember his illegal and fraudulent collection activities in the past. 

4. XXXX XXXX XXXX above questionable collection activities put us a serious problem, please answer above 7 questions that we can decide to hire an attorney or not as soon as possible 5. XXXX XXXX, if you feel anything above questions are illegal, please stop, cease and cancel your collection activities immediately. 
6. The Authorities of above XXXX XXXX XXXX, reply us as soon as you can that well have enough time to prepare to answers XXXX XXXX XXXX questions. 
7. Contact a. Estate of XXXX XXXX b. Address : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Email : XXXX Thanks, Estate of XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account, 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 2022-08-10 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account, 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 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Charged on XXXX and XXXX for trans union XXXX $ monitoring that i never set up. Disputed on XXXX with my bank they resolved it. Then tried to cancel on XXXX and the customer was XXXX  no help at all and constantly transferred.

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 2022-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
I did not authorize nor consent to the account opened with Vystar. I had an account with Vystar and closed it in XXXX. Today I called to help someone get a personal loan, but I was told by Vystar that I had an account opened in XXXX and had a charge off. I was never aware of this charge off and I refuse to pay it because the account does not belong to me. I spoke with several representatives, and everyone is trying to force me to pay the amount, and no one is looking into the situation and investigating if the account has been fraudulently opened, which it has. I was employed around that time, and I had a job with my income going to a different financial institution. I have never received any communication about this charge off and no one will help me validate the information. I have little knowledge of this debt, and no one is willing to help me resolve the issue. I refuse to pay for an account that is not mine. I want this debt to be out of my name and I do not owe it at all. This is very unfair to me. I have filed an FTC report, which is attached, and I have called and tried to resolve the issue, and no one would 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 2022-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: NJ

Complaint narrative:
I am requesting validation, made pursuant to the Fair Debt Collections Practices Act and the Fair Credit Reporting Act. I am also requesting " validation '' that is competent evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to this debt collector.

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 2022-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
On numerous occasions I have call to resolve any issues with taxes or Insurance increases on my account. I have spoken with many representatives, all giving me the wrong information and telling me the issues has been resolved, only to receive a reversal on the fees they took off my account. All of which I would have paid if told or given the correct information. I get a huge bill for late fees fir over a year! 
No one every communicated correct information about my account or late fee occurring. If I had know I would have paid them. Only to find out my payments were sitting in my Escrow account allowing large late fees to continue to increase. I think this is taking advantage of the comsumer only to benefit them.

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 2022-08-10 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I overpaid my XXXX XXXX account in XX/XX/2022. I should not have any payment for XXXX. XXXX XXXX reported me as missing a payment. I pulled my credit today XXXX XX/XX/2022 and the balance is incorrect XXXX. I paid XXXX XXXX in full on XXXX XX/XX/2022. I haven't missed any payments and overpaid them in XXXX. XXXX XXXX refuses to correct this on my credit report. I have filed multiple disputes with XXXX, XXXX and Experian to no avail.

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 2022-08-10 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # xxxxxxxxxxxx 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 Dept of Ed XXXX XXXX XXXX XXXX XXXX XXXX Dept of Ed XXXX XXXX XXXX XXXX XXXX XXXX Dept of Ed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Debt collector has been calling from restricted number and will not provide information about who they are or why they are calling and become aggressive when I ask for that information. I traced the restricted call to a phone number associated with commenity bank who is attempting to collect payment from me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10 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:
In accordance with the Fair Credit Reporting act XXXX Account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 non-monetary relief
Consumer complaint received 2022-08-10 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: NY

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. 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 Transunion more than 21 times. transunion 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 XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-08-10 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
IT'S absurd how this is! This account is unknown to me. Why does it show my credit report? This account has to be verified, please! I am not under any obligation to this account.

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 2022-08-10 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: MA

Complaint narrative:
I am reporting that Transunion Credit Reporting Services lowered my XXXX XXXX XXXX points because I paid an extra {$20.00} on my credit card balance to XXXXXXXX XXXX XXXX XXXX on XX/XX/2022. I have attached the information to this complaint. I am thinking that the credit reporting agencies are in collusion with the credit card companies somehow. The credit card companies want you to pay and pay and pay!. This dramatic decrease happened before, but I didnt document it. There is no reason for such a decrease when I am trying to pay off my bills. PLEASE LOOK INTO THIS!!!!

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 2022-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation