vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX {$670.00}

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 2022-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
Midland Credit Management is reporting false information about 2 credit cards that I paid off and I closed the accounts. I had returned some items during the Covid lockdowns ( totaling less than {$200.00} ) which they didn't credit on my accounts, and I contacted the credit card companies directly to resolve it, sent them copies of my receipts. Instead of dealing with me, the credit card companies wrote the accounts off. MCM is sending mail and calling me stating the balance is {$1900.00}.??? MCM has multiple addresses and telephone numbers on their correspondence. They have different " account '' numbers on every piece of their correspondence. This is a scam. They are causing my credit score to be lowered. I'm sure they were paid by the credit card companies. It's all a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
The Credit bureaus stated the Account ( s ) listed below had been properly investigation but this is clearly fraudulent in nature & clear impossible based on the following fact ( s ) : a. Open Date is inaccurate b. Date Last Active i*s inaccurate c. Date Last Reported is inaccurate d. Payment History is Inaccurate Account : XXXX XXXX XXXX # XXXX - reported on XXXX Account : XXXX ( Original Creditor : XXXX  ) this account is XXXX XXXX same account reported on XXXX / TransUnion This, is immediate grounds The United States Code ( s ) specifically outline regulations which the Credit Bureau ( s ) continue to grossly / negligently do their job for what appears for profit selling said information to vendor ( s ).

a. Violation # 1 : Under 15 U.S. Chapter : 1681 S. 604 A ( Section 2 ) : The law clearly defines that a said consumer reporting agency can not furnish i.e. any said account without incorrectly or without said written instructions.

b. 15 USC 1681 Section 611 ( 2 ) ( a ) : Law Specifically indicates is " any '' said information is found inaccurate or can not be verified the consumer reporting agency ( s ) shall promptly delete the information from the file of the consumer. 

See attached copies of Credit Reports numerous factual violations by all credit bureaus which have been updated/ verified to date.

1. Document # 1 : Dated - XX/XX/XXXX XXXX 2. Document # 2 : Dated - XX/XX/XXXX XXXX & TransUnion 3. Document # 3 : Dated - XX/XX/XXXX XXXX 4. Document # 4 : Dated XX/XX/XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27 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: MA

Complaint narrative:
The Credit bureaus stated the Account ( s ) listed below had been properly investigation but this is clearly fraudulent in nature & clear impossible based on the following fact ( s ) : a. Open Date is inaccurate b. Date Last Active i*s inaccurate c. Date Last Reported is inaccurate d. Payment History is Inaccurate Account : XXXX XXXX : # XXXX - reported on Equifax Account : XXXX ( Original Creditor : XXXX  ) this account is XXXX XXXX same account reported on XXXX / XXXX This, is immediate grounds The United States Code ( s ) specifically outline regulations which the Credit Bureau ( s ) continue to grossly / negligently do their job for what appears for profit selling said information to vendor ( s ).

a. Violation # 1 : Under 15 U.S. Chapter : 1681 S. 604 A ( Section 2 ) : The law clearly defines that a said consumer reporting agency can not furnish i.e. any said account without incorrectly or without said written instructions.

b. 15 USC 1681 Section 611 ( 2 ) ( a ) : Law Specifically indicates is " any '' said information is found inaccurate or can not be verified the consumer reporting agency ( s ) shall promptly delete the information from the file of the consumer. 

See attached copies of Credit Reports numerous factual violations by all credit bureaus which have been updated/ verified to date. 

1. Document # 1 : Dated - XX/XX/XXXX Equifax 2. Document # 2 : Dated - XX/XX/XXXX XXXX & XXXX 3. Document # 3 : Dated - XX/XX/XXXX Equifax 4. Document # 4 : Dated XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: AL

Complaint narrative:
RE : XXXX XXXX XXXX XXXX XXXX When I moved from XXXX to XXXX in XXXX, my ex-wife and I shared custody of our daughter, and no child support was paid between the two of us. We had a verbal agreement to split any bills and expenses, which we did, from the time of our divorce in XXXX XXXX, which was agreed upon by the judge when our divorce decree was finalized. This continued well after I moved, and in XXXX of XXXX she decided to take me to court for child support ( even though custody remained shared ). Even though I never had an opportunity to appear and argue my side, this judge ruled against me and set a payment amount that was completely out of line from my income. I continued to fight this judgement. Two months later ( XX/XX/XXXX ), my daughter decided to move to XXXX to live permanently with me ( which her mom agreed ). All the while, enforcement continued from XXXX. While my daughter was living with us, XXXX transferred enforcement to XXXX ( not sure of exact date ). I went to court with a folder full of evidence and XXXXXXXX  stated they could only enforce, and any changes had to come from XXXX I continued to fight. From day one this account ( XXXX  ) has shown collection status. Fast forward to XX/XX/XXXX, my ex-wife has a change of heart and apologizes for the misery and torture she put me through and asks XXXX to withdraw enforcement. XXXX says they never received her request, and it was resubmitted by my ex-wife in XX/XX/XXXX ( after I brought it to her attention that the account was still showing open and unpaid ), which XXXX  acknowledged and withdrew. Even though I fought the legitimacy of this from the very beginning, XXXX  remains firm in reporting this as a collection account. I would like XXXX to either change the status from collection to paid ( or even unknown... as long as it's not negative ), or remove this altogether from my credit report. I find it odd that XXXX  doesn't report negatively against me, but XXXX does... and it was a XXXX judgement. How do we get XXXXL to correct this? I've filed disputes with Transunion, and they report it as accurate, but recently only changed the rating. I've added a consumer statement to my Transunion file, but I want the negativity removed from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27 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: NC

Complaint narrative:
Someone has been trying to fraudulently open up accounts in my names that I didnt have any knowledge of and dont consent to here are the names of the companies and the inquiries date please do whats right and remove these items XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Someone has been trying to fraudulently open up accounts in my names that I didnt have any knowledge of and dont consent to here are the names of the companies and the inquiries date please do whats right and remove these items XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: Aldous & Associates, PLLC
State: NY

Complaint narrative:
This letter is in response to your responds to CFPB with closed complaints with authorization needed, Is it not clear that I have attached my Driver 's License and Social ID to certify that is in fact me submitting the disputes and you guys closing it and did not precede with your investigation as per my request you to reinvestigate. I am writing to let you know that my credit report contains inaccurate and incorrect accounts that are ruining my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Credit card was charged for other peoples XXXX XXXX that I do not know, reported it to wells Fargo and they put it " under investigation '', meanwhile I ordered a new card with new numbers and have NOT activated it. Now being charged for XXXX XXXX again on a card that is not activated that only wells Fargo know the information to the card.

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 monetary relief
Consumer complaint received 2022-05-27 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: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
SunTrust unlawfully towed my vehicle. 
SunTrust acknowledged towing by vehicle, without having ownership rights to the vehicle. 
See their response to complaint # XXXX While they believe they are exempt from damages from the release waiver signed to retrieve vehicle, the tow was unlawful. 
Moreover, the document they provided from the third party tow company was altered to remove comments made about not attesting to the condition of the vehicle. 
Fraud can not be used as justification.

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 2022-05-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
A credit card was taken out in my name thru the company XXXX XXXX XXXX ) on or about XX/XX/XXXX. I never opened this account. There were charges made on this account of {$1700.00} This account has been sold to a collection agency named Midland Credit Management XXXX XXXX : Tel : ( XXXX ) XXXX spoke to XXXX This has been filed as a legal case in XXXX XXXX, XXXX XXXX Texas XXXX Case # XXXX and they are suing me for {$1700.00}. 
I did not open or use this credit card. 
I was divorced in XXXX of XXXX and am trying to pay off credit card debt that was put on me by the court. I would not open nor have I opened any other credit card. 
Talking with XXXX she told me to contact the FTC to alert this matter to them. 
I also wanted to see any paper work to show ( I ) opened this account,,, Nothing. 
Case number Thru Midland Credit XXXX is XXXX This has been reported as a sign off on my credit and is affecting my credit, and I will not pay this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I deposited a check on Tuesday XX/XX/XXXX i called XX/XX/XXXX to see when the funds will be available i was told they would be available that friday XX/XX/XXXX after XXXX on friday i checked my account the money wants there the check says posted but nothin is in my account i called the bank navy told me they were told by the federal reserve to put a 5 day hold on my check. i called the XXXX XXXX to verify the funds since that is who sent the check to get them to help they confirmed everything was done right on their side i called navy again and was told the same thing about the five day hold i then called the federal reserve where i was informed they can not tell the banks to put holds on checks they only handle the transactions and movement of the funds. navy has given me false information on several accounts and has done nothing to fix the problem im gravely disappointed and sadden by the the lies i have been told as well as with they customer service not to mention they had extremely long hold times and none of the reps were really understanding or trying to help they made me feel like i was the issue

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: KILOWATT FINANCIAL, LLC, A SPRUCE FINANCE COMPANY
State: DC

Complaint narrative:
I got a letter sent on XX/XX/2022 from Spruce, associated with XXXX XXXX XXXX XXXX. The information says that the Spruce Spending Account has been closed. 

I called the number on the letter on XX/XX/2022 to inquire about the account as I never opened a Spruce Account and have never heard of this financial institution. 

I have recently closed two credit cards on my own accord, one with XXXX XXXX and the other with XXXX XXXX. I asked if this account is associated with either card and was told no. 

I was told that because I pay my taxes on line this could be an account associated with that. I asked about when the account was opened and they can not give me that information. 

They said this might not be an account associated with my IRS payment. My IRS payment btw was paid as a direct debit from my savings account. 

They also said this account was closed because of fraudulent activity so most likely not associated with my IRS payment. 

They said they would open a fraud case and I can call back with case number XXXX. 

Why was a fraudulent account opened in my name? What charges were made? What controls does SpruceXXXX XXXX  XXXX XXXX have to prevent this from happening? 

When I did nothing wrong, why would I have to micro manage this issue with Spruce as opposed to them being proactive and doing something?

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 2022-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I'm victim of identity theft please delete or remove this item on my behalf. 
This item is not mine and this greatly affected my personal life. 
I request to block the following information and please let me know if you need any other information from me to block this information from my credit report. Thanks USAA SVG BK Account number : XXXX Date open : XX/XX/2018 Balance owed {$7000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
Its been two weeks since VystarXXXX  has been down. Members have been having an issue assessing their accounts online, including myself and my husband. There was waiting of over XXXX customers the other day just to access their accounts. Transfers are not going through. I have had transfers in place from our business to our household for payroll. Those are not going through. I am getting ready to switch banks but I want to make sure that my money remains safe while we are still banking with Vystar. I also cancelled payment protection with them on an auto loan three months ago and they have failed to reverse the fees and interest incurred from those months.

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 2022-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
Over 12 years ago, Lowe's/Synchrony Bank , closed my Lowe 's credit card for non-use, I paid the card in full, but they wanted to come back with interest charges, then late fees, etc. I told them and have proof that the debt was paid, except for the " after-the-fact '' interest charges, so I refused to pay the interest charges, so they started tacking on late fees, collection fees, legal fees, put it on my credit report ... it has rolled off my credit report and now I have collection agencies and this " arbitration '' firm, XXXX XXXX XXXX calling me , threatening to take me to court to collect. Calling me at work on my cell phone and threatening to serve me court papers at work, hanging up on me when I try to explain the situation, etc.

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