vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting 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, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 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 1681 C ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes with antedates the report by more than seven years.

15 U.S.C 1681S-2 ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Comenity Wayfair was in fact contacted and sent multiple police reports in XXXX, XXXX of XXXX along with same information to XXXX. The account was charged without my permission by unauthorized user. The account was closed and I was informed in XXXX an investigation would take place and my credit would NOT be affected. This has not been the case. For over a year this is still appearing as negative on XXXX report. I contacted Comenity in XXXX, XXXX and spoke with XXXX in collections and he informed me that if I paid XXXX comenity would send a reversal of late payments for multiple months and XXXX report would only show paid in full and closed. It is now showing paid, charge off closed and over a year of charge off. Comenity has never sent investigation of unauthorized use and the wayfair card was sold to XXXX XXXX. I have disputed called complained. The unauthorized user has never been located. My XXXX  report is pristene all accounts paid on time and mortgage of XXXX paid off in 3 years there is no way Id let a XXXX bill ruin my credit. My other two reports are good. I just want Comenity Wayfair updated to reverse all charge off and lates as promised and XXXX to investigate properly. I filed a XXXX  complaint against XXXX as well for reporting inaccurate and erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting 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: SC

Complaint narrative:
In accordance with the fair credit reporting act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 rights to privacy.

15 U.S.C 1681 section 604A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes with antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the fair credit reporting act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 rights to privacy.

15 U.S.C 1681 section 604A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes with antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX Report Number # XXXX XX/XX/XXXX XXXX XXXX  collection account added in XXXX report, Credit score dipped by XXXX points XX/XX/2023 : Raised dispute to XXXX XX/XX/2023 : Got response from XXXX without any details XX/XX/2023 : Decline new credit card due to derogatory comments I am writing to dispute against credit score impact ( related complains XXXX and XXXX ) due to collection account listed on my credit report under XXXX  account # XXXX, reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The original creditor for this account is a medical providerXXXX XXXX XXXX XXXX XXXX XXXX XXXX, and the account is related to in-home medical services rendered. I am disputing this debt for the multiple reasons, against unfair practices, unequal treatment and unclear policies. 
Lack of Communication : I havent received any written communication either from original creditor XXXX  and collection company XXXX XXXX XXXXXXXX XXXX XXXX  ) regarding accounts being transferred or sent for collection. Dispute was raised through XXXX, have XXXX verified if XXXX have followed all the procedure as per Fair Debt Collection Practices Act ( FDCPA ). Can XXXX have proof of any mail correspondence from XXXX to me for this account. 
Lack of Validation : I have not received adequate validation of this debt and proof of services as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). I havent received any details from XXXX against dispute filed against this account, what all aspect XXXX have validated before account was added to credit report and during dispute resolution. 
Lack of Customer focus and voice : Being customer to XXXX and exceptional credit history then why credit bureaus dont have pro-active policy to re-check facts before adding collection account and credit impact. If a customer has raised a dispute, then why XXXX dont have additional safety for customer to first investigate and not to let such account impact credit score.

Clarity on Credit score : How credit score is calculated, what is weightage of third-party medical debt and why a collection account has too much impacted-on credit score while 30+ other accounts are 100 % in good standing?

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 2023-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
Who this my Concern this Company was involved a class action law suite was inaccurate information on credit report my loan Dated Back XXXX. Ally financial just report this to my credit on XX/XX/XXXX they are in violation of the law suite they Need removed this immediately. From all report agency

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 2023-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NORTHWEST BANCSHARES INC
State: NY

Complaint narrative:
Hi there they won't help out by having me open a account online because I ca n't drive to a XXXX XXXX XXXX  there so they won't open a account there and now I need some assistance there form them to get a account open online my XXXX money is on hold

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 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
My information was sold and bought illegally because I was a victim of the XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc.
State: OH

Complaint narrative:
My information was sold and bought illegally because I was a victim of the XXXX data breach.

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 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I keep trying to remove an account from my credit report. XXXX XXXX, account number ends in XXXX. I have been trying to get this account removed since XX/XX/2023 through myequifax.com and through equifax information services. they still refuse to remove the account. I have reached out to equifax and the lender about this. the lender informed me that the account information is reporting incorrectly. I have documentation showing this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I filed a complaint # XXXX in which I was complaining about inaccurate information being reported on my credit report. LVNV and XXXX XXXX is showing incorrect information on my file, and it is not being deleted. I have sent letters to verify information and they keep coming back as accurate, but the reports are not. Attached you will have the files showing where the information is not correct. The date of activity is not the same on all three reports. Two reports are showing open and one is showing closed. The dates opened are not the same on all three reports. Based on FCRA section 611 15 USC 1681, the accounts are not being reported accurately and must be deleted due to inaccuracy of credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
I have NO knowledge of the account/s being reported by this company!! I HAVE NEVER SIGNED A CONTRACT WITH THIS COMPANY. I HAVE NEVER HEARD OF THIS COMPANY!! I AM VERY UPSET THAT THIS COMPANY HAS MY PERSONAL INFORMATION. I AM HIGHLY EMOTIONALLY UPSET THAT THIS COMPANY IS CONTACTING 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 non-monetary relief
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
Write-In accordance with the fair credit reporting acts the account below has violated my federally protected consumer rights privacy and confidentiality. Under 15 usc1681 XXXX XXXX Account number XXXX Opened- XX/XX/XXXX Upstart Network INC/XXXX Account number XXXX Opened-May XXXX, XXXX XXXX XXXX Account number-XXXX  Opened- XX/XX/XXXX XXXX XXXX Account number- XXXX opened- XX/XX/XXXX 15usc 1581 section 602a states I have the write to privacy. 
15usc 1681 sec 604a section2 it also states a consumer reporting agency can not furnish my account without my written instructions.

15usc 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following Items of information and other adverse items of informations other records of connecting of crimes which indicates the reports of more than 7 years.

15usc 1681 s-2 ( a ) ( 1 ) a person shall not furnish information related to a consumer to any consumer reporting agency of the person knows or have responsible cause to believe that information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
Write-In accordance with the fair credit reporting acts the account below has violated my federally protected consumer rights privacy and confidentiality. Under 15 usc1681 XXXX XXXX Account number  XXXX Opened- XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Opened-XX/XX/XXXX XXXX XXXX Account number-XXXX Opened- XX/XX/XXXX XXXX XXXX Account number- XXXX opened- XX/XX/XXXX15usc 1581 section 602a states I have the write to privacy. 
15usc 1681 sec 604a section2 it also states a consumer reporting agency can not furnish my account without my written instructions. 15usc 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following Items of information and other adverse items of informations other records of connecting of crimes which indicates the reports of more than 7 years. 15usc 1681 s-2 ( a ) ( 1 ) a person shall not furnish information related to a consumer to any consumer reporting agency of the person knows or have responsible cause to believe that information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Hello, I was recently phished by a email posing to be a XXXX opportunity from my school. I followed the instructions in the email and sadly fell victim to the scam by submitting a check to the bank that was fake. The check was for {$950.00} I have photo proof of the entire incident that will be provided in this complaint. My name is XXXX XXXX I called the day of to try and resolve the solution but was told my relationship with TD is over and its permanent with no resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I went to pay my car insurance and my debit card was declined my credit card declined for gas at my over night shift at XXXX. Its the first of the month and all my bills are due. I called navy federal Saturday morning to find out why all mu accounts are declining and advised that they cNt XXXX  me or talk to me as security department froze the account. I advised today the XXXX and my bills are due i have grocerys to buy i am a XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. I was told the branch cant help and i cant get any other information and nothing can be done. My savings is with this bank i just got paid friday and i dont have access to that as well this is wrong. I have no gas no good my bills are due and i still dont know why as i committed no fraud. XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd

Complaint narrative:
Dear Wise manager, With due respect, I am maintaining a membership account in your financial institution. 
I am sending this complaint on behalf on myself and the transfer sender, which authorization I got. 

On XX/XX/23 an ACH transfer, tracking number XXXX was sent to me. 

Last digit account number on XXXX transfer order was XXXX that do not match my Wise last digit account XXXX digit. 

Receiving Financial institution must control that both, account name and account number, matches sender ACH order instructions before releasing funds to a beneficiary account. In case that XXXX account name is not consistent with ACH account number funds must be returned to the sender. 

Wise was ineffective executing control mentioned above, as consequence funds were deposited on different account instead of returned to the sender. 

I first contacted Wise Customer Support on XX/XX/XXXX and they replied that funds will be returned to sender and that Wise can not trace ACH transfer because funds have not been paid to Wise. I got the same reply in the next XXXX emails I sent to Wise XXXX XXXX. 

On XX/XX/XXXX Wise customer XXXX contradicted its previous position replying that Wise denied a funds recall request because other Account XXXX withdrew the funds. 

Wise Customer Support has not shared any information about if it was a fraudulent transaction or any action to investigate a fraud will be taken from Wise side. 

The fact is that somebody who is not the XXXX transfer beneficiary withdrew funds that are not its property due to a Wise ineffective control. 

I request Wise to return ACH tracking number XXXX funds to sender. 
This request is sent on behalf of myself as XXXX transfer beneficiary, and on behalf ot the transfer sender, which authorization I got. 

I look forward to your reply and a resolution to my problem. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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 2023-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I have NO knowledge of the account/s being reported by this company!! I HAVE NEVER SIGNED A CONTRACT WITH THIS COMPANY. I HAVE NEVER HEARD OF THIS COMPANY!! I AM VERY UPSET THAT THIS COMPANY HAS MY PERSONAL INFORMATION. I AM HIGHLY EMOTIONALLY UPSET THAT THIS COMPANY IS CONTACTING ME!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: EdFinancial Services
State: CA

Complaint narrative:
I applied for the SAVE Income Drive Repayment plan on XXXX. The student aid government site indicates my application was processed the same day and it says the next step is for my loan servicer to decide which payment plan I qualify for and process the application. It has been > 3 months. Each time I call, I cant get through to EdFinancial ( my loan servicer ). When I XXXX this issue, I found many others with EdFinancial loans complaining of the same issue. All while my teacher colleagues with other loan servicers have had their applications processed in 1-2 weeks and are paying little to no interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On my credit report experian has my balance at {$210.00}. I owe {$120.00}. Not only that but they arent even reporting to my credit anymore and havent in months which in result is counting as late payment. I have had perfect payment history on my credit since Ive had credit. Ive also worked extremely hard to build my credit. With XXXX I also had perfect payment history for over a year, I was a day late on a payment they took my entire credit line away that took new over a year to build. I refuse to pay what I owe until this is fixed or removed from my credit since they are no longer reporting. I should not be considered as late payment because theyre not reporting. I have disputed twice and 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