vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-29 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: FL

Complaint narrative:
I reviewed my credit report and discovered several accounts in my credit report that appeared too not have been mine, i contact the companies trying to find out how they got my information and why they were reporting negatively to my credit report they were not having they just wanted me to pay for something that is not mine realizing i was not getting anywhere with them. i made a fraud report with the identity thief at the web site ( Will add report ) in accordance with the fair credit reporting act convergent the accounts have violated my rights 15.us1681 section 602a section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. I would like to have these account listed on my report to be deleted of my credit report permanently not to be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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: Affirm Holdings, Inc
State: AZ

Complaint narrative:
Pursuant to 15 USC 1681 ( a ) ( 2 ) Accuracy and fairness of credit reporting Affirm has thoroughly violated my Consumer rights by Fraudulently reporting an account that was never authorized or consented by me the original Creditor Account NumberXXXX and has reported this account 90 day 's past due and closed as of XX/XX/2021. When asked to conduct an investigation by the fraud specialist with XXXX XXXX and they reported that the account was opened by a phone number and bank account that has been closed and is on the dark web. I then refiled a police report and FTC report regarding the Identity theft and Pursuant 15 U.S. Code 1681c2 - they where to Block all the information resulting from identity theft and willfully refused to do so and has continued almost 8 months later to update and report inaccurate defaming information on my consumer report. Once I send the Cease and Desist letter to them in hopes for them to stop the inaccuracy of reporting they generated an entirely new account stating it opened XX/XX/2021 and closed in XXXX XXXX 90 days Account # XXXX which I never consented or extended my credit to validate this debt and they are a willfully violating the Fair Debt Collection Practices Act, 15 U.S.C. Section 1692e, provides, which states that A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. By changing the account number the amount and placing an entire new debt on my consumer file is with my validation is not only illegally criminally but they are 6. Pursuant to 15 U.S. Code 1681 ( n ) ( b ) - Civil liability for willful noncompliance.Civil liability for knowing noncompliance for violating the Federal consumer laws and causing me severe and distressful harm and denial of consumer credit for their inaccuracy and illegal reporting. I am seeking immediate removal from my consumer file all the Affirm Account that are reporting due to their deception and Illegal conduct and expect them to abide by the federal law which grants me the right as the consumer to have fair and accuracy in reporting on my file. The following proof is attached for immediate removal thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX, XXXX XXXX, ONLY NAME IS XXXX XXXX, ONLY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS

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 2022-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: TX

Complaint narrative:
I first received notice of the debt on XX/XX/2022 via phone call at XXXX XXXX. The company claims this is a debt of {$76.00} to an internet provider for an unpaid bill. Note that I had never even received notice from said internet provider for this bill. I requested verification of said debt, provided the company with my current address in order to receive letter verification of the debt, and the call ended. I have still yet to receive verification of this debt. On XX/XX/2022, the company reported my debt on my credit report and dated it XX/XX/2022. 

This company has not been able to provide debt verification, is still attempting to collect, and has reported incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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: TX

Complaint narrative:
I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : XXXX : XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Home shopping ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX EQUIFAX XXXX  XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX Equifax inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX. XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX  XXXX. XXXX, XXXX, XXXX XXXX, XXXX, XXXX. XXXX, XXXX, XXXX. 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
CITI BANK CRDIT CARD REPLACEMENT PROMISED WAS NEVER RECEIVED FO OVER A MONTH. I CALLED CITI CARDS ALMOST EVERYDAY TO FIND OUT WHAT HAPPENED O MY CARD. THIS BANK OVER & OVER AGAIN TOLD ME ME THAT IT WILL ARRIVE IN TWO BUSINESS DAYS, NEVER HAPPENED.

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 2022-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC
State: MI

Complaint narrative:
I have a card with indigo genesis the card was charged back in XXXX however they said it would be returned to me but has yet to be returned meanwhile Im still responsible for the bill and my interest Ive talked with several different people and no one can help they keep say within 10 business days I will receive my refund but I never do here it is about to be XXXX and nothing has been refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX  Account # 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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX  Account # 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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX  Account # 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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX  Account # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX  Account # 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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX  Account # 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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX  Account # 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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX  Account # 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 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 2022-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was banking with Bank of America one day I went in to cash my work check and they said I couldnt cash it due to unknown activity on my account which they said my account was in the negatives so I did everything I was suppose to calling customer service to resolve the problem cause it was suspected fraud I got sent around while on hold but no help to actually resolve the problem to help me get this problem recovered.

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 2022-07-29 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX and Equifax have violated Federal Consumer law.

1. Pursuant to 15 USC 1681 ( a ) ( 2 ) Accuracy and fairness of credit reporting. Reporting inaccurate, erroneous, fraudulent information on my consumer report after given the correct information constitutes your willingness and negligence in breaking the law.

2. Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft They have investigated and deleted in the past and reinserted without notice a violation and deletion is admission of error.

3. Pursuant to 15 U.S. Code 1681 ( n ) ( b ) - Civil liability for willful noncompliance.Civil liability for knowing noncompliance.

Consumer reporting agencies have the vital and grave role solely report infact they must correct or delete any and all inaccurate, incomplete, fraudulent or unverifiable information.Inaccurate, incomplete or unverifiable information must be removed or corrected, as pursuant to 15 USC 1681c-2 Block of information resulting form Identity theft within 4 calendar days and the above CRA 's are in thorough violation of that and I am seeking damages due to defamation of character liable and denial of credit due to their negligence and willful noncompliance with the below evidence that is attached below.

The Credit Reporting agencies provide dark web monitoring services and are privy to the personal data and account information that have been compromised by thieves however remained willfully noncompliant in removal of the fraud without cause, causing severe emotional and physical distress loss of creditability, creditworthiness an inability to extend credit and multiple counts of violations pursuant to 15 USC 1692 ( e ) ( F ) in which I am demanding immediate restitution from each individual Consumer Reporting Agency in addition seeking immediate removal and permanent correction of all the fraudulent, late and erroneous data that they have continuously been reporting despite verifiable evidence of otherwise and that as the consumer the transactions where not consented by my authority and therefore they have no permissible purpose in reporting any debt that I the original creditor have not validated as Pursuant to 15USC1692h.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  The accounts listed below, has violated my rights. 

XXXX ) XXXX XXXX XXXX XXXX Account # XXXX. XX/XX/XXXX for {$10000.00} XXXX ) XXXX XXXX XXXX account # XXXX. XX/XX/XXXX. 
XXXX XXXX XXXX  XXXX XXXX account # XXXX. XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX and XXXX XXXX XXXX ) XXXX XX/XX/XXXX and XXXX XXXX XXXX ) XXXX  XXXX XX/XX/XXXX and XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2022-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kingston Data & Credit International Inc.
State: CO

Complaint narrative:
I had a gym membership to XXXX XXXX fall of XXXX in XXXX. I cancelled the membership and moved to XXXX. I have a year worth of debt collections for a year membership and I 1 ) cancelled the membership because was not in the same state and more than 2 hours from any XXXX XXXX 2 ) the membership they are charging me for was for XXXX and was during COVID and all gyms were closed I have tried to contact the original gym in XXXX, the corporation of XXXX XXXX, and the debt collectors and have called all of them more than 50 times and I am not getting responses. Either playing phone tag or no calls back after leaving voicemails. I am extremely frustrated and want to get this figured out because it is effecting my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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:
The XXXX accounts were withdrawn and settled In Court. These accounts are still showing inaccurately on my credit file. Transunion has been contacted multiple times and there has been no update provided on the status of this 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 explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I was contacted by TSI ( bill collection agency ) to collect FALSE Discount Power electric ( past due ) bill for an address in XXXX, TX, that was using MY name and mailing address ( in XXXX, TX ) as the billing name/ address. Per discussion with power company, the account holder also has my social security number identity!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

NAVIENT XX/XX/2007

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Completed a Right of Rescission dated XX/XX/2022 and received by Allly Financial on XX/XX/2022 in XXXX XXXX XXXX of my vehicle. My vehicle was taken in the middle of the night on XX/XX/2022 and I never received an authentication notice of illegal repossession.

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 2022-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2022 my credit report showed I had a negative report. Upon looking at what meant I found a utility company trying to collect a debt from an address I have never lived. I am disputing this negative mark on my credit report because I believe it to be fruad.

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 2022-07-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I opened a Saftey deposit box rental with Wells Fargo in XXXX California. 
On that date we put items of value and importance in that box and did not access it again until XX/XX/XXXX. When I went to access my box which I have been paying a {$95.00} per year rental fee for was not there. The actual box was missing. It was just an empty vault. Every year I paid my annual box rental of {$95.00} dollars. This was was primarily for my mother so she could put her valuables and important document in. So I had no need to access it without her. My mother passed away in XXXX of XXXX so my sister and I jointly opened the Saftey deposit box with a bank representative on XX/XX/XXXX. 
The bank asked us to file a police report which we did. 
My sister and I have tried repeatedly to find out what happened and to see what the bank was going to do for us. After the bank did their own internal investigation they determined that it was not their fault or responsibility that the box is missing. I tried to at least get reimbursed for the annual box rental but the bank responded with that they were not at fault thus no reimbursement of the rental fees. The total amount that I was seeking was {$950.00}.

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