vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-04 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: UNIFOUR FINANCIAL SERVICES, LLC
State: NC

Complaint narrative:
The company is contacting references and informing them of the length of debt ( or lateness ) and amounts owed. Unsure of the exact date but was notified today ( XX/XX/2021 ) about being exactly 10 days behind. This practice violates the Fair Debt Collection Practices Act. My references should not be provided details of my debts such as the length of debts and amounts owed. References should not be used for a debt collection practice but instead used as 1 ) a reference to provide me a notification to make contact with the company to discuss the debt 2 ) for reference for the company to provide an alternative or updated points of contact such as phone number, email, or address.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Clear Recovery, Inc.
State: NE

Complaint narrative:
I have been contacted several times by Clear Recovery. I have asked them four times to please send me information through the mail of all that they are saying that I owe them. I have been finding that some of my accounts are not correct ( they have either been paid or weren't even mine ). I was told to go online to find out. I have been refused each time for something to be sent in the mail to me with what I owe and why I owe it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The following account listed below, the date where it shows that I am late in making my payments was an error. I have not received any billing information from them or any notification stating that I am late. I have reached out to both Bureaus and the furnisher but I have not received any forms of response from both parties. Thus, I am sending this complaint to seek help and assistance for me to have this account updated into positive and remove all the late statuses. 

XXXX  XXXX XXXX XXXX {$60.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: GA

Complaint narrative:
The following account listed below, the date where it shows that I am late in making my payments was an error. I have not received any billing information from them or any notification stating that I am late. I have reached out to both Bureaus and the furnisher but I have not received any forms of response from both parties. Thus, I am sending this complaint to seek help and assistance for me to have this account updated into positive and remove all the late statuses. 

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 2022-05-04 00:00:00
Product: Student loan — Private student loan
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: GA

Complaint narrative:
This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
TRANSUNION and the account name is XXXX XXXX balance {$0.00} account # 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 2022-05-04 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: TX

Complaint narrative:
So I sent a letter off on XX/XX/2022. Here is my tracking # XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting Act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer 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 non-monetary relief
Consumer complaint received 2022-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
So I sent a letter off on XX/XX/2022. Here is my tracking # XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting Act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I checked my credit report and noticed that the following account is inaccurate and fraudulent. I did not own the following debt. I am a consumer by law and my information was misused. I am not happy about it. Here are the listed details of the account with discrepancy : XXXX XXXX XXXX XXXX FL/ {$1000.00} / XX/XX/2022

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 2022-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I checked my credit report and noticed that the following account is inaccurate and fraudulent. I did not own the following debt. I am a consumer by law and my information was misused. I am not happy about it. Here are the listed details of the account with discrepancy : XXXX XXXX XXXX XXXX FL/ {$1000.00} / XX/XX/2022

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 2022-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I checked my credit report and noticed that the following account is inaccurate and fraudulent. I did not own the following debt. I am a consumer by law and my information was misused. I am not happy about it. Here are the listed details of the account with discrepancy : XXXX XXXX XXXX XXXX FL/ {$1000.00} / XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: MS

Complaint narrative:
We are exempt from paying county, city and school taxes. I submitted the necessary documentation to the mortgage company XX/XX/2022. As of today, XX/XX/2022, they refuse to adjust our monthly escrow payment to reflect the exemption. I called them on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and today, XX/XX/2022. Each time I called, I was told by the representative that the exemption documentation was on file and " an escrow analysis had to be done '' and it would take 2 weeks for the adjustment to take place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
On XX/XX/2022 a credit card with Bank of America was opened in my name. All information was correct in it but the address and phone number. On XX/XX/2022 after not receiving said card, I proceeded to call Bank of America and tell them I had not received this card. I asked where the card had been sent and it was sent to XXXX XXXX, Texas. Where I have not resided in almost a decade now. The customer service rep I spoke with then closed the account due to fraud. I was then told that it should be resolved by XX/XX/2022 and should also reflect on my credit report also. My credit report still shows that it is an active and opened account. It is now XX/XX/2022, and I spoke with XXXX this morning to try and resolve the issue still. My credit has taken a direct impact due to this fraudulent card being opened in my name.

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 2022-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I sent a certified letter to TransUnion on XX/XX/2022 ( Tracking Number : XXXX XXXX XXXX XXXX XXXX XXXX ) to remove inaccurate and non current personal information from my credit report. According to the FCRA 1681, I have a right to privacy. According to to 15 USC 6802, no financial institution can share my personal information with a third party. This is clear evidence that violations were made against 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 explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/XXXX my bank account was debited by ach for {$3000.00} and {$3000.00}. I did not authorize the transactions. The bank rejected the debits and charged me {$34.00} for each debit. I called the bank to inform them that the charges to my account were made in error due to a page that did not refresh properly on the vendors website. The bank informed me that they they rejected the debits. I said that ok because I didnt authorize them. The bank also charged me {$68.00} for the unauthorized transactions which they are refusing to pay back. I told them that I wish to dispute the transactions and the agent on the phone dropped the phone on 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 explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I didn't report this to Experian because I don't need any more idiocy. They sent me an email to sign up for free credit monitoring as part of the XXXX XXXX XXXX XXXX. It included an activation code and link to a signup site. I spent a great deal of time filling out the form, filling in the code they sent by PASTING it into their form so it would be accurate. After I spent a lot of time filling out the form, my XXXX browser returned an error, " The XXXX token assigned for this session is invalid. Please refresh the browser page. " and didn't process my application. So I tried the same process on XXXX, and this time, when I clicked the " Submit and Continue '' button, nothing happened at all. This process took almost an hour, with no results. I'm not sure why I would want incompetent XXXX like this to monitor my credit anyway! So they're not giving me the monitoring they're legally compelled to give me, and it might not be of any use anyway, given their track record. It's an absolute outrage that horribly-run companies like this have so much power over our personal data, which they seize without any permission, and that we can't opt out of doing business with these 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
Consumer complaint received 2022-05-04 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: MD

Complaint narrative:
Dear Sirs, Upon obtaining a copy of my credit report, I noticed there are inaccuracies being reported. I reached out several times to get these inaccuracies removed. I would appreciate the following items being investigated as soon as possible. According to the United States of America Fair Credit Reporting Act. My rights are being violated. 
15 U.S.C 1681 section 602 A. States I have the rights to privacy. 
15 U.S.C 1681 section 604 A. States a Consumer reporting Agency can not furnish a account without my written instructions. 
15 U.S.C 1681 section 604 A. I have never had any credit transactions involving these consumers. 
XXXX XXXXXXXX XXXX : Acct XXXX. {$2000.00}. XXXX XXXX 
XXXX XXXX XXXX : Acct XXXX {$920.00}. XXXX XXXX 
XXXX XXXX XXXX : Acct XXXX. {$3300.00}. XXXX XXXX 
XXXX XXXX BANK : Acct XXXX. {$2400.00}. XXXX XXXX 
XXXX XXXX XXXX XXXX : Acct XXXX {$13000.00}. XXXX XXXX 
XXXX XXXX : Acct XXXX {$460.00} XXXX XXXX 
XXXX XXXX CT XXXX : Reference # XXXX Year 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
Consumer complaint received 2022-05-04 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: MD

Complaint narrative:
Dear Sirs, Upon obtaining a copy of my credit report, I noticed there are inaccuracies being reported. I reached out several times to get these inaccuracies removed. I would appreciate the following items being investigated as soon as possible. According to the United States of America Fair Credit Reporting Act. My rights are being violated. 
15 U.S.C 1681 section 602 A. States I have the rights to privacy. 
15 U.S.C 1681 section 604 A. States a Consumer reporting Agency can not furnish a account without my written instructions. 
15 U.S.C 1681 section 604 A. I have never had any credit transactions involving these consumers. 
XXXX XXXX XXXX : Acct XXXX. {$2000.00}. XXXX XXXX 
XXXX XXXX XXXX : Acct XXXX {$920.00}. XXXX XXXX 
XXXX XXXX XXXX : Acct XXXX. {$3300.00}. XXXX XXXX 
XXXX XXXXXXXX XXXX : Acct XXXX. {$2400.00}. XXXX XXXX 
XXXX XXXX XXXX XXXX : Acct XXXX {$13000.00}. XXXX XXXX 
XXXX XXXX : Acct XXXX {$460.00} XXXX XXXX 
XXXX XXXX XXXX XXXX : Reference # XXXX Year XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: PENTAGON FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I have an issue with PENFED Credit Union. This issue has been going on for over a year and I am getting the run around. Initially, I was alerted through XXXX XXXX of a charge by PENFED for {$10000.00} that I did not recognize. Then on XX/XX/XXXX, I received a call from PENFED Collections. XXXX, from PENFED, said that they were wanting to collect on an account that supposedly I had co-signed for. She asked if I knew a XXXX XXXX and if I was related. I know of no such person and I never co-signed for anyone. Then she gave me their Fraud Department number of XXXX. I let XXXX know the I have reported Fraud to PENFED, XXXX and the Police Department of the city of XXXX. 

On XX/XX/XXXX, I spoke to XXXX at PENFEDs Fraud department asking for the status on the case. He was of no help. 

On XX/XX/XXXX, I spoke to XXXX at PENFEDs Fraud department. She said that she was going to relay a message to XXXX XXXX, the Fraud investigator and ask him to call me. He never did. 

On XX/XX/XXXX, spoke to XXXX in the Fraud department. All she did was give me a PENFED Fraud department address of XXXX XXXX XXXX, XXXX, NE. I mailed at their request the affidavit of FRAUD and Forgery form ( XXXX ). I also attached the XXXX Police Report Form. Per their request, a copy of my photo for identification purposes. We I have not heard from them. 

On XX/XX/XXXX, I called the Fraud Department ( XXXX ) XXXX ext. XXXX. I spoke to XXXX. He put me on hold and reached out to another Fraud Department processor. Being that the next step is to correct the issue. I never received a letter of Fraud Corrections from PENFED. All that was re-sent were the same forms of the Affidavit of Fraud and Forgery to fill out. It had already been mailed to them on XX/XX/XXXX. 

On XX/XX/XXXX, I called and spoke to XXXX. She said she will escalate this matter in the Fraud Department for her Manager to resolve. XXXX said she noted that this issue has been going on for over 1 year and should have been resolved. 

To this date I have not heard from them through mail or via phone call. It appears that PENFED has bad communications within their own work departments. I am totally being ignored due to their negligence. I dont understand how PENFED approved a loan without confirmation from the supposedly borrower. 

PENFED is not forthcoming with how the loan was created. Whether it was an on-line approval or at a credit union facility. This has affected my credit ratings negatively. I was once rated over XXXX and now I slightly above XXXX due to this issue.

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 2022-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I checked my credit report and noticed that the following accounts are inaccurate and fraudulent. I did not own the following debt. I am a consumer by law and my information was misused. I am not happy about it. Here are the listed details of the account with discrepancies : XXXX XXXX XXXX XXXX XXXX/ {$82.00} / XX/XX/2022 XXXX XXXX XXXX/ {$1300.00} / XX/XX/2022 XXXX XXXX XXXX XXXX/ {$1400.00} /

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 non-monetary relief
Consumer complaint received 2022-05-04 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:
In accordance with the Fair Credit Reporting act XXXXt XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXXXXXX ( original creditor ) Account 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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 the following accounts have violated my rights. 
BANKRUPTCY file # XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX  account # XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXXXXXX XXXX XXXX account # XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXXAccount # XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXXXXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 15U.S.C. 1681 Section 602 A states that I have the right to privacy 15U.S.C. 1681 Section 604 A Section 2 also states that 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 explanation
Consumer complaint received 2022-05-04 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: PA

Complaint narrative:
In accordance with the Fair credit reporting act XXXX  Account # XXXX XXXX Has violating my rights 15 USC 1681 section 602 states that I have the right to privacy.

15 USc 1681 section 604 a section 2 Also states that a consuming 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 explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I checked my credit report and noticed that the following accounts are inaccurate and fraudulent. I did not own the following debt. I am a consumer by law and my information was misused. I am not happy about it. Here are the listed details of the account with discrepancies : XXXX XXXX XXXX XXXX XXXX/ {$82.00} / XX/XX/2022 XXXX XXXX XXXX/ {$1300.00} / XX/XX/2022

Company response to consumer: Closed with explanation