vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-18 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX sold this assumed Debt to XXXX XXXX XXXX, which they then have since been reporting a collection to my consumer report. This was done with out following federal Laws such as Fair Credit Reporting act and Fair Debt collection practices act. My Rights to privacy as a consumer were violated nor did i give written Instructions to do so, Which are Both required by Federal Laws. I would Like for my consumer report with all 3 Credit reporting agencies reflecting the collection removed and updated to my report as Paid as agreed. 


Original assumed Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX In accordance with the Fair Credit Reporting act and Fair Debt Collection Practices Act XXXX XXXX XXXX XXXX has violated my Consumer rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) : 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.

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 USC 1681 s-2 7 ( e ) No provision of this paragraph shall be construed as requiring a financial institution that has provided a customer with a notice described in subparagraph ( A ) to furnish negative information about the customer to a consumer reporting agency.

15 USC 6802 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

Violation of The GLBA ( Gramm-Leach-Bliley Act )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southern Management Systems Inc.
State: AZ

Complaint narrative:
I contacted the company and asked them how they verified the debt and why did i not receive notice of this debt earlier. They also stated that the debt is {$360.00} which is not what is reported on my 3 bureau 's credit report. If that information is incorrect this information must be removed at once from my report. I was told to mail in a complaint.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
A person unknown to us withdrew from our Citibank XXXX XXXX Account { Account number : XXXX ] a total of {$4200.00} by issuing two checks to himself, drawn on his account at XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX ; XXXX ]. 

We have copies of both checks. They were issued on XX/XX/2022. 
( Check images attached. ) The first check is for {$2300.00} and made out to XXXX XXXX XXXX [ from XXXX XXXX XXXX ], XXXX XXXX XXXX XXXX, XXXX Ohio XXXX. It is marked for emergency. 

The second check is for {$1900.00} and also made out to XXXX XXXX XXXX from XXXX XXXX XXXX and marked emergency payment 2. 

We did not authorize the withdrawal or payment from our Citibank account and do not know the person whose name is on the checks. Our debit card was never missing or lost. We did not authorize any withdrawal by this person or his bank. 

As of XX/XX/2022, the {$4200.00} taken from our XXXX XXXX account has not been returned to us.

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 2022-07-18 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2022, there were three unauthorized charges posted to my Citi credit card. 

Each charge was for {$580.00}, for purchases at XXXX XXXX. I did not make these purchases nor authorize anyone else to do so. I contacted Citi and they sent out a new credit card. In a follow-up conversation with their " security '' department, I verbally confirmed that I did not make those purchases nor authorize anyone else to do. 

Citi removed the charges. They then investigated and contacted XXXX XXXX. XXXX XXXX provided information that showed that flights were purchased and used, and in their words, this was not fraud. The passenger on this flight used my credit card, and my street address but their name is not familiar to me. 

Around XX/XX/XXXX, based on the information from XXXX XXXX, Citi again asked me to confirm that " Neither I, nor anyone authorized by me, made this charge or received any benefit. '' I confirmed this, for all three charges. 

Around XX/XX/XXXX, Citi sent me a letter indicating that " the merchant provided documentation confirming that you participated in the transaction '' ( this is not true! ) and that they " found you are responsible for the transaction. '' and " we now consider this investigation closed. '' So despite my repeated declarations that I did not authorize or receive any goods or services from this transaction, the fact that XXXX XXXX has proof that *someone* took a flight from this purchase seems sufficient to override my statements. 

This is ridiculous- if someone steals a credit card and then uses it to purchase goods, how is the fact that goods were purchased proof of anything? Of COURSE someone bought flight tickets and then made use of them - that's the point of stealing something! That someone benefited from the theft doesn't not magically prove the theft didn't happen. And why does Citi not accept the word of their customer, me? I followed their process and they simply override my factual statements? As your site says " If you have not lost the card itself, but someone steals and uses your account number, you generally have no liability for unauthorized use. '' Note that there are three separate transactions, all on the same date and for the same amount. My documentation will provide a sample but not all three of them!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I received a Visa debit card in the mail from M & T Bank. I d I'd not apply for this card. I called M & T Bank to report that I did not apply for this card. They told me that their fraud department closed the account because the person who applied couldn't prove their identity. Then they advised me to call my banks to put them on alert and then call the XXXX XXXX XXXX to put an alert fraud alert on my information & contact you to freeze my credit & file a 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 explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: FactorTrust, Inc.
State: LA

Complaint narrative:
I, XXXX XXXX, am filing this complaint against Factor Trust. Factor Trust is in violation in regards to the information that is being furnished to my consumer report. I would like to state that Factor Trust is in violation of 15 USC 1681b ( a ) ( 2 ), which clearly states that a consumer reporting agency may only furnish a consumer report in accordance with the written instructions of the consumer. I, the consumer, never gave Factor Trust any written consent to report anything on my consumer report. NO CONSENT = IDENTITY THEFT. The following are fraudulently furnished inquiries. I did not authorize, benefit from, nor consent to any of the listed inquiries and I DEMAND they be removed from my consumer report immediately. 1. XXXX XXXX XXXX, XX/XX/XXXX 2. XXXX, XX/XX/XXXX 3. XXXX XXXX XXXX, XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX. IF THEY ARE NOT REMOVED, I WILL HOLD FACTOR TRUST CIVILLY LIABLE UNDER 15 USC 1681N FOR WILLFUL NONCOMPLIANCE AND AGGRAVATED IDENTITY THEFT PURSUANT TO 15 USC 1681A ( Q ) ( 3 ) SINCE FRAUD IS BEING COMMITTED USING MY IDENTIFYING INFORMATION. These negative and fraudulent items on my consumer report is preventing me from having an equitable consumer report according to 15 USC 1681b. If FACTOR TRUST can not provide to me a copy of when I sent a written permissible purpose to validate these inquiries, I demand they be deleted IN 4 DAYS. Enclosed is the FTC Identity Theft Report which states the inquiries that are being fraudulently furnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX  Account XXXX XXXX Account XXXX DPT EDXXXX Account XXXX XXXX  Account XXXX XXXX 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 : Also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX pulled a credit report on me using only my name and year of birth while I was applying for their apartment. They didn't use my exact date of birth or any other personal identifier. However, they still got a credit report from TransUnion with totally wrong information in it which I believe was from someone else with the same name and year of birth as me. Also, the credit report didn't include enough personal identifiers that could be used to prove it's my credit report. This could be a violation of Section 607 ( b ) of FCRA.

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 2022-07-18 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experian Dropped my credit score XXXX points for paying off a car loan. This hsould not be the case

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 2022-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Advantage LNS Inc.
State: DE

Complaint narrative:
On XX/XX/XXXX NATIONAL CREDIT AUDIT CORPORATION ( NCAC ) / FIRST ADVANTAGE ( FADV ), Has been contacting me via email, postal mail, and phone calls claiming I owe them a debt of {$1200.00}, also they sent me another notice on XX/XX/XXXX saying I can just pay {$750.00} to settle the debt for a one time payment. This company has been violating my ( FDCPA ) rights 15 USC 1692g ( B ) to be exact ; Since XXXX when I first disputed the debt they never reported to the 3 credit bureaus that the debt was being disputed they also didn't cease collection. Most importantly they never Validated the debt. This company have been hurting my credit worthiness for too many years now along with XXXX for not doing a thorough investigation to see if the debt was Valid or Accurate. I disputed the debt in XXXX and its XXXX, they are Willfully violating my rights as a consumer 15 USC 1692g ( B ) and 15 USC 1692e ( 2A ).

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 2022-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Data and Contact Management Solutions, LLC
State: WA

Complaint narrative:
My mother passed away in XXXX of XXXX. The debt collector is for XXXX XXXX XXXX XXXX XXXX in XXXX, my mother moved to XXXX state in XXXX. XXXX XXXX XXXX just sent me a check in my mothers name for a overpayment of {$6.00} which I dealt with in XX/XX/XXXX. The company sent my mother a letter, the company is called DCM services , LLC. No where on this letter does it mention that they are a debt collector or what the debt is for. The company is showing the last payment made on this account is for the same {$6.00} XXXX XXXX XXXX sent as a refund for a overpayment, and this company is asking me to pay this debt on my mothers behalf. DCM services , LLC address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX. There phone number is XXXX. I spoke to XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
Navient is giving me conflicting information for needing to complete my IBR/not complete it, whether in forberance/or not, and not accepting the online IBR application that I've completed -- despite being directed to it to reinstate my IBR. 

I need the CFPB to sort this out. 
Screenshots below. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I have been trying to have a satisfaction/ Release of mortgage recorded in public records on a mortgage that has been paid in full since 2004

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXXXXXX system violated my rights under credit fair act on XX/XX/2019. I mailed them supporting documents that the information that was reported was inaccurate 15 U.S.C 1681 section 602. A. States. I have the right to privacy.

15 U.S.C 1681 section 604.. 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 2022-07-18 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I looked at my report and noticed that there are many inquiries listed that I did not recognize or authorize. 
I will list those items here : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
regarding account as follow XXXX XXXX auto account XXXX has violated my rights is in clear violation of the law, 15 USC 1681 section 602 A states i have the right to privacy. THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : ( 2 ) In accordance with the writing instructions of the consumer to whom it relates. Did I give you written instructions to furnish this account on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusion from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experience between the consumer and the person making the report. Also violation 15 USC 1681e whenever a consumer reporting company prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2022-07-18 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I requested information that was being reported to my credit report on XX/XX/XXXX. XX/XX/XXXX I sent out another letter requesting an update. It is XX/XX/XXXX and i have yet to receive an response on requested information.

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 2022-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
On XX/XX/2022 I was induced into transferring money to a XXXX account ( first transaction {$350.00}, second transaction {$500.00} - Total {$850.00} ). I was scammed by a member of XXXX named XXXX XXXX ( email associated with XXXX account : XXXX ). We primarily communicated on XXXX, where he used the name XXXX XXXX ( XXXX XXXX XXXX  ). I buy and sell things that I no longer need on XXXX XXXX, and he asked if he could send the payment through XXXX. I said yes, but then I began to receive fraudulent emails from XXXX asking me to send more money in order to " upgrade my XXXX  account into a business account. '' I did so at first and unfortunately sent two XXXX payments -- {$350.00} & {$500.00} -- before catching on. I have filed a formal dispute with XXXX through USAA but after waiting ten business days and asking for an update, I was essentially told that they can not do anything about the lost funds because XXXX is a third party transfer service. When I spoke to a representative at XXXX to assist me, they told me to call my bank because they ALSO can not fix the issue. Although the two transactions were authorized, I was induced into transferring the money, which I believe is covered in Regulation E in the Electronic Fund Transfer Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/2022, I was informed by TransUnion that I had opened an account with XXXX XXXXXXXX XXXX On XX/XX/2022 I called TransUnion to let them know I did not open an account with XXXX XXXX XXXX. I was told that I would have to contact XXXX XXXXXXXX XXXX to get the account closed. I contacted XXXX XXXX who told me that there was no record of my social security number opening an account. I then contacted TransUnion who told me that I would have to get a statement from XXXX XXXX that I did not open an account. Contacted XXXX XXXX who told me they could not do that because I do not have an account with them. 
I submitted an online request to TransUnion to have this information removed on XX/XX/2022. I called TransUnion on XX/XX/2022 and was told that they would contact XXXX XXXX to see if an account had been opened in my name. 
TransUnion is the only credit reporting agency with the information that t I opened an account with XXXX XXXX. XXXX and XXXX are not reporting this information because it is incorrect.. 
On XX/XX/2022 called ) TransUnion XXXX per XXXX I was told to call XXXX XXXX. On XXXX I called XXXX XXXX XXXX XXXX there is no record of my social security number or my street address with an account with 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 explanation