vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
15 U.S. Code 1681a ( D ) ( 2 ) ( A ) ( i ) and 1681a ( D ) ( 2 ) ( B ) states that ... .... except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; A authorization or approval of any account would be anything like a credit card, mortgage, auto loan etc should not be on consumer reports also transactions either discover has been reporting these account without my permission as well as they shouldnt be there anyways as it should not be included in a consumer 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 2022-01-18 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: MN

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mountain Run Solutions, LLC
State: IL

Complaint narrative:
This account does not belongs to me. I have never had any account with this company.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Hi CFPB, thank you for your help in advance. Starting XXXX, 2021, I started to contact debt collector Portfolio Recovery to settle debt. Attached is copy of their email for lump sum settlement amount. This amount is already paid. The money already cleared from my bank. I disputed this with the credit reporting agency XXXX. I checked today XXXX. My credit report has been updated INACCURATELY. Portfolio agreed to accept less than the full amount to satisfy the full amount of debt but they are reporting my debt only paid 50 %. Therefore my report still indicate that I still owe 50 %. This is not what I agreed. Also, my understanding is that Portfolio will remove the tradeline from my credit report. So not only is Portfolio reporting this account inaccurately, they are still reporting it. This inaccuracy is harming me and my family. I am unable to co-sign for my kids ' student loans because of this inaccurate derogatory account. Please help me correct this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have been corresponding back and forth with Bank of America since XX/XX/2021 on an auto loan that was fraudulently obtained in my name. I have disputed this account numerous times with all 3 credit bureaus and each time Bank of America responds '' account verfied ''. I requested Bank Of America send me a method of verification and a validation of debt which they have refused to send. I have certfied mail with return receipts of correspondence with Bank Of America and the fraudulent account to which was never resolved.Under FCRA, By law, Bank of America is to follow procedures concerning fraudulent accounts to include providing consumer proof of debt ( validation of debt ) and the methods used to verify the debt.Bank of America was supposed to cease reporting this debt when i reported that it was fraudulent, instead Bank Of America kept reporting this debt as charged off on my credit report.On XX/XX/2021, Bank of America removed {$14000.00} from my account for this fraudulent debt that was never resolved.I 'm demanding Bank Of America put the {$14000.00} back into my account and remove the negative reporting from my credit report as Bank of America has not proven this is a valid debt and they had 30-45 days to do that.Under FCRA, if they have not proven a debt is valid, they can not report or collect on said 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 2022-01-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
I received a letter stating that my savings account has not been used in an unspecified period and the bank was going to have to turn the funds over to the state in 45 days if there was not activity or if I did not return the letter signed that I wanted to keep the account open. This savings account is linked to my checking account and only used as over draft protection. It is also part of my online banking. 
When I went on line to move funds from checking to this savings account I found that this savings account was no longer listed on line. I then called M & T Customer Services and after a significant hold time the customer service rep said she could return the account to active via a hardcopy letter or electronically via XXXX. After multiple attempts to get XXXX to accept my ID the document was approved only to find out that M & T had move my account from dormant to another category that they have and they would only reactivate it after receiving the hardcopy letter. 
Essentially they have frozen my funds via an M & T procedure. As I had been on the phone for 55 minutes I asked to speak to a supervisor. After 10 minutes of discussion the supervisor was no help and said that they would not reactivate the account electronically via a scanned document or XXXX or any other way except the hardcopy letter via US Mail. My funds are frozen. I could go to a M & T Bank that is 176 miles away but I am not sure that would help. 
I do understand that inactive accounts must be turned over to the state after a specific period of inactivity but this was a linked account to a very active checking account. Also there was not reason to move the account to inactive and take it off the electronic system making it impossible for me to make a transaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: FL

Complaint narrative:
Dear XXXX XXXX XXXX : I am responding to your contact about a debt you are trying to collect. You contacted me by mail, on XX/XX/2022 and identified this alleged debt. 

Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: MI

Complaint narrative:
I went to a local store to send my father XXXX through western union in XX/XX/2020. I received a transaction number and receipt. When he went to retrieve the funds the MCTN number was invalid. I contacted Western Union who confirmed an issue with the number and gave us a new transaction number. It still was invalid. I emailed western union who stated the funds are available for a refund and gave me a new transaction number. I was directed to return to the merchant with my photo id and the new transaction number for a refund. When they attempted to look it up, the transaction was invalid. 
I was told I would receive a check in the mail, but I have not, and was told again that the refund is available. 
I have sent numerous emails with out a resolution. Western union has tied up XXXX of my money since XX/XX/2020. All I want is a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tulsa Adjustment Bureau
State: TX

Complaint narrative:
XX/XX/2019 I received a collections account from XXXX XXXX  for " XXXX XXXX XXXX XXXX. XXXX for the amount of {$810.00}. I have no knowledge of this practice or doctor as I have never seen them before. I have tried to dispute it several times through XXXX and XXXX XXXX but have failed to have it removed. I have reported it as fraud and identity theft. I have also contacted XXXX XXXX and sent in for a dispute with them as well. When calling the number for " XXXX XXXX XXXX XXXX. XXXX '' you hear what sounds to be a child saying if you're calling for the doctor this is no longer their number and to leave a message. There are also numerous reviews on XXXX and the XXXX reporting the same fraud issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: NJ

Complaint narrative:
Block and remove the following accounts on the FTC report I attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: NJ

Complaint narrative:
Block and remove the following accounts on the FTC report I attached to this complaint.

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 2022-01-18 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:
I INCLUDED MY PERSONAL IDENTIFICATION WHICH IS MY LICENSE AND SOCIAL SECURITY CARD TO THIS COMPLIANT... 


The following accounts are fraudulent : 1. XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

2. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. XXXX XXXX Inquiry Date : XX/XX/XXXX Please remove it from my credit report. 

5. XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX Please remove it from my credit report. 



PLEASE SEE ATTACHED ALL NECESSARY DOCUMENTS

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 2022-01-18 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: TX

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
The bank Santander Consumer USA, I am waiting for the payment of my refund by Gap Insurance since last year, but the bank does not want to refund the money even though XXXX resided the car and that money was paid to the bank.The bank agrees to have received the check in XX/XX/2021, but has not sent the money to my house due to an error on their part. They ask me to call week after week and they never give me an answer when they will send me my money for a value of {$710.00} that they have in their possession and they don't want to send me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bliksum, LLC
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX and I am writing this complaint without the assistance of a 3rd party. This alleged debt was settled by tax write off. LoanMe nor their assigns have a UCC 11 lien, past or present, to prove alleged debt. I refuse to pay this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Your company broke the Law!!!! 

Your company is in violation of the following subsection of the Fair Credit Reporting Agency. 15 USC 1681b. Congress makes it clear, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : Pursuant to 15 USC 1681b ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give this company written instructions to furnish anything on my consumer report. 

As a consumer reporting agency, Capital One USA Na used my consumer report for monetary fees, dues that regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means of interstate commerce for the furnishing consumer reports. Pursuant to 15 USC 1681a ( f )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: GA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Hi, I went into XXXX XXXXXXXX XXXX  XXXX XXXX XXXX to receive my Covid-19 vaccine, XXXX. I had a bad reaction XXXX 's first dose. I was told by the hospital I would not incur any medical charges due to the fact that it was a bad reaction to XXXX and they said XXXX would take care of the charges. 
However, a year later I am still getting a charge from XXXX XXXX XXXX over the bill that was related to the Covid 19 vaccine. I had tried calling XXXX, but they outsource their call center to XXXX and they are not able to fix my issue without a contact person at XXXX XXXX 's XXXX XXXX XXXX. I was on hold trying to reach a supervisor, since they are the only ones able to fix the bill. I spoke to XXXX employee number XXXX. 

I need them to fix the creditor issues and the bill since it was related to the Covid 19 vaccine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dealt with XXXX after paying without any late payments for years negotiating a payoff amount of {$9100.00}. There was a discrepancy amount not negotiated for repayment and XXXX reported my account as a charge off dropping my credit rating over XXXX points ( XXXX ). After reviewing my account XXXX sent apology letter for mistake and reported car paid in full rendering only a partial replacement ( less than half ) of the credit rating points taken away for their mistake. Fast forward to XXXX XXXX XXXX I get a notice from XXXX XXXX indicating a credit score drop of XXXX points with Transunion and XXXX XXXX due to remarks made by XXXX before removing the account completely from my file. This is double jeopardy! I am losing more points in addition to the ones originally lost because of their mistake. I did call XXXX and spoke with XXXX who filed a complaint for me. I need to recoup all of my stolen points because I pay all of my bills on time and I am trying to buy a home. Transunion fell to XXXX from XXXX and XXXX XXXX from XXXX! Can you also help me to get all of my points back that I have worked years to build? Thank you!

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 2022-01-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Dealt with XXXX after paying without any late payments for years negotiating a payoff amount of {$9100.00}. There was a discrepancy amount not negotiated for repayment and XXXX reported my account as a charge off dropping my credit rating over XXXX points ( XXXX ). After reviewing my account XXXX sent apology letter for mistake and reported car paid in full rendering only a partial replacement ( less than half ) of the credit rating points taken away for their mistake. Fast forward to XXXX XXXX XXXX I get a notice from XXXX XXXX indicating a credit score drop of XXXX points with XXXX and XXXX Equifax due to remarks made by XXXX before removing the account completely from my file. This is double jeopardy! I am losing more points in addition to the ones originally lost because of their mistake. I did call XXXX and spoke with XXXX who filed a complaint for me. I need to recoup all of my stolen points because I pay all of my bills on time and I am trying to buy a home. XXXX fell to XXXX from XXXX and Equifax XXXX from XXXX! Can you also help me to get all of my points back that I have worked years to build? Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Spoke with XXXX XXXX, Experian, XXXX and XXXX XX/XX/21 and XX/XX/21. I sent supporting documents police report, letter from court. XXXX has removed it but the other agencies has not.

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 2022-01-18 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: Avant Holding Company, Inc.
State: GA

Complaint narrative:
Your company broke the law!!!!!!! 
Your company is in violation of the following subsection of the Fair Credit Reporting Agency. 15 USC 1681b. Congress makes it clear, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : Pursuant to 15 USC 1681b ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give this company written instructions to furnish anything on my consumer report. 

As a consumer reporting agency, XXXXAvant used my consumer report for monetary fees, dues that regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means of interstate commerce for the furnishing consumer reports. Pursuant to 15 USC 1681a ( f )

Company response to consumer: Closed with explanation