vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-17 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: FL

Complaint narrative:
By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates. 
EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury. 
Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACT Title 1 sec. 151.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: TX

Complaint narrative:
TransUnion is Violating my Right as a consumer. Under 15 U.S. Code 1681c2 ( a ) ( 1-4 ) and 15 U.S. Code 1681b.

This is my third complaint for TransUnion!

These accounts below are a result of identity theft! One complaint was filed XX/XX/XXXX and the other XX/XX/XXXX. 

XXXX act # : XXXX XXXX Act # : XXXX Ive attached all the original documents from my first two complaints and one where XXXX has blocked and deleted the account. Therefore by law you should do and report the same.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Re : Marcus I was given different information about transferring an old cd account to a new one using the same joint owner. The joint owner is my daughter who doesn't live with me and travels a lot so its difficult to do a 3 way call. Because of the different information given to me. i decided to close my savings and cd account and transfer my monies to my XXXX XXXX checking. When i go on line it shows my savings as pending a transfer. i was told it can take a few days which is fine. However, no where shows the status of the cd account or the amount, my account just shows 0. I called and ask that i need some assurance my money is being transferred or at least pending. Marcus shows no reference to my cd or the bank I'm transferring it to, XXXX XXXX. i ask the supverisor why my money does not show pending or anything. Her response was once the transfer is completed i will be notified. That is of course obvious, i just want to see where my money is at this point and that it is still protected. i ask the sup if she could just email me that its pending a transfer she said she could'nt. The system shows my money in the saving is pending, why not my CD? 

My Marcus act # XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: EQUIFAX, INC.
State: NY

Complaint narrative:
The reason why I'm following this complaint is because this repossession date is XX/XX/2015 and I spoke to the creditors multiple times over three months and they stated that they have sent a request to this bureau to have the repossession remark removed off my credit report for over three months and it still on my credit report it's been over seven years from the time of the repossession and the remark is affecting me and I have tried my best I've sent numerous letters to this credit bureau and still nothing has happened this is a violation of my rights because I know it should be not it should not be on my credit report no more than seven years from the time the delinquent has happened and it is over seven years now I need this repossession for remark remove my credit report it has been removed off of XXXX XXXX but not this credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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:
By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates. 
EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury. 
Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACT Title 1 sec. 151.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Financial Data Systems
State: SC

Complaint narrative:
I had been disputing a bill with Imaging Specialists in XXXX. XXXX for service in XXXX of XXXX. I had them confused with XXXX XXXX in XXXX XXXX who I also received imaging from. 

Last time I spoke to Specialty Imaging in XXXX I was told I had no balance. In XXXX I realized I had the two companies messed up. I contacted Imaging Specialists on XX/XX/XXXX or XXXX. Explained the mistake and can they send me a bill. 

On XX/XX/XXXX, I received a notice from XXXX that a connection account has been added to my account from Financial Data Systems LLC. XXXX XX/XX/XXXX I received a notice from XXXX that a collection account has be put on my credit report from Financial Data Systems LLC.

The bill is for {$200.00}, its not a lot of money. I am more aggravated that I was put into collection while I was asking of a detailed bill of what I was charged and what was covered by my insurance. The reason is I had XXXX XXXX on XX/XX/XXXX and I hit my yearly deductible in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not consent to this inquiry. I demand the creditor remove the inquiry. If they fail to remove the inquiry it will be a violation under Fair Credit Reporting Act ( FCRA ). 

Remove inquiry immediately or pay {$1000.00} per violation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: 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 an account without my written instructions.

15 U.S.C 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: Westlake Services, LLC
State: NY

Complaint narrative:
My repossession date with this company is XX/XX/2015 I have spoke to multiple representatives I have spoke to supervisors and multiple supervisors the supervisor I spoke today name was XXXX and I keep explaining to them that this repossession needs to be off my credit report because it's been over 7 years from the time of the delinquent repossession she have stated that they have contacted the credit bureaus to have the the remark removed for over three months and it is still on my XXXX and my XXXX credit report this is a violation of my rights and it's affecting my life I can not get a car or anything because the remark is still on my report even after the statue of limitation I have exhausted my resources I have sent out multiple letters numerous of times and still nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Before I explain, I want to say my demand is clear and I demand a knowledgeable representative looks over my complaint. Thank you. I pulled my credit report and noticed an alleged student loan account from US DEPT OF EDUCATION that had been deleted from XXXX because they realized that the information is inaccurate, but it is still reporting on Experian and XXXX. I sent a debt validation letter to the creditor requesting validation of the alleged account. They failed to provide me validation, because they didnt provide me adequate validation since they didnt provide me with a record AUTHENTICATED ; so this reported information is not only invalidated but inaccurate and a clear violation of the Fair Credit Reporting Act ( FCRA ). 

Experian and XXXX is participating in fraud with US DEPT OF EDUCATION and violating the Fair Credit Reporting Act by willingly still reporting this invalidated and inaccurate information that still has not been deleted from my consumer report and I am willing to take legal action against both parties should this information continue to stay on my credit 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 2023-01-17 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 this creditor Experian ( membership # XXXX ) has violated my rights under 15 USC 1681 section 602 which states I have the right to privacy. Under 15 USC 1681 section 604 A section 2 says a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 602 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 explanation
Consumer complaint received 2023-01-17 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 602 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 2023-01-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Bank : CapitalOne I have a XXXX Money Market Savings account that is currently paying interest of XXXX XXXX I thought it was very low and looked on their website and found that they do not show the XXXX Money Market account but now show a XXXX Performance Savings account at an interest rate of XXXX XXXX with no minimum balance. The manager I talked to could not explain any difference in the rules for the new account vs the old. 

The bank states that they have no way to retroactively make this right. My only option is to open a new account and transfer the funds after the fact. 

My complaint is that banks can simply change the name of the account and offer a higher rate while the existing customer is not notified that higher yields are possible. This practice is deceptive and only benefits the bank. It is very costly to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
I went to log in to Milestone ( link below ). When I logged in, I was prompted by an alert to enroll me in paperless statements ( which I'm certain I had already enabled ). When I clicked, " Accept '' it came up with an error page and to " retry ''. When I clicked retry, it popped up the exact same prompt as the enroll in paperless statements except that it had changed to " Enroll in credit monitoring service ''. It looked exactly the same and it wasn't until I hastily clicked accept ( since I was under the impression that I was retrying to enroll in paperless statements ) that I realized what it said. There was nowhere online to unenroll in credit monitoring so I had to call to cancel the $ XXXX monthly service it had just tricked me into cancelling. Luckily, they did not charge me for it yet. The representative took my call and I didn't have to explain. The tone of his voice sounded like " Another one of these ''. Like that was his job to take in an influx of calls about unenrolling people that had been tricked into the service. As this was a normal sign-in and wasn't repeatable I don't have logs or screen shots. 

- Tricked me into a credit monitoring service be bait-and-switch - Enrolled me and then made it inconvenient to cancel by calling ( a whole lot easier to enroll that cancel ) - Seemed that they knew of this practice when I called. 

https : //milestone.myfinanceservice.com

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-17 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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These accounts are unknown to me please view attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Back around XXXX. I had funds left over from my employee since I was retired. It was in my checking account for Wells Fargo bank and I had this account since XXXX. So I was under the impression that myself being a loyal customer and I was always reminded of this, I figured that would give myself a little leeway to my account. So to protect myself I had opened up two more account and just to be safe. Well. I wasn't aware that I was going to get scammed but I told the bank official and I guess with the new XXXX things change. Without warning they closed my account didn't call but mailed me letters after the fact.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Peter Roberts & Associates, Inc.
State: MA

Complaint narrative:
Dear Peter Roberts & Associates ; Cfpb ; XXXX XXXX XXXX ATTACHMENTSXXXXNot only this is fraudulent reporting on my credit report from Peter Roberts and Associates , but I was under understanding from reading some articles here on cfpb and FTC that there was a new law that was passed by the government that effective XX/XX/2022 any XXXX XXXX under {$500.00} shouldn't be reported on consumer 's credit report. However, upon reviewing my credit in the last few months, i noticed 3 separate entries of XXXX XXXX reporting violations of this law. For example, there are 3 separate accounts : XXXX balance of {$200.00} plus account XXXX for a balance of {$290.00}, and account XXXX for a balance of {$370.00}. read this ( https : //www.consumerfinance.gov/data-research/research-reports/paid-and-low-balance-medical-collections-on-consumer-credit-reports/ # : ~ : text=Specifically % 2C % 20the % 20companies % 20announced % 20that, on % 20consumer % 20reports % 20at % 20all. ). 

Plus this is a violation of HIPPA violation of reporting. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. And I honestly do not believe to ever had any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

1 5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This account was closed in XXXX of last year with a balance that I have continued to pay, XXXX is showing account was closed in XXXX of last year which is incorrect with 30-60 day late which payments have been paid monthly. At no time has my payments been 30 days late or 60 days late. I have statements showing payments made well within the 30 day time frame. It was brought to their attention and they blatantly stated there was nothing they can do about it. I am going to hire an attorney for defamation of character.

Company response to consumer: Closed with explanation