vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-13 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: FL

Complaint narrative:
I have disputed account XXXX XXXX XXXX XXXX XXXX Balance {$460.00} and in two days this account was verified with no investigation. I do not recognize this Fraudulent account as I a victim of identity theft. It is your duty to protect consumers who notified you of identity theft and remove accounts no later than 4 days of receipt 15 USC 1681 C-2, FTC IS ATTACHED. in accordance with the fair credit reporting act ( consumer reporting agency ), has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. TRANSUNION BROKE THE LAW!!! 
Failure to respond satisfactorily with deletion of the above demands will result in legal actions taken against your company for which I will be seeking { {$1000.00} } per violation for : Defamation of character negligent non- compliance Civil liability Mental anguish Fair credit reporting act 15 USC 1681 violation for willful noncompliance - 616. Civil liability for willful noncompliance ( 15 USC 1681n. While reviewing the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? Furthermore, you have failed to conduct the proper method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

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 2023-03-13 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: MO

Complaint narrative:
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A section 2 : it also states a consumer report agency can not furnish an account without my written instructions 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 2023-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
wells fargo has not satisfied my issues, why was the payment for my fathers home not sent to the house in foreclosure, after he passed I became trustee of his trust I had all authority to have the payments sent to me, instead you sent me a document saying I needed a court representitive to do this but you allowed his girlfriend to change the address to her home, I would like to see her court representive allowing her to do XXXX XXXX was not the original trustee as you claim and ndex filed notice of default with the court before they were named substitute trustee and I have proof. so that would make the forecloser null. you claimed that we were getting help through some program and it seems that it was after the forecloser. and you also claim that you had no corospondence with us in which I have proof that you did, you admitted yourself by showing how we supossedly weree being helped with a loan modification, so you lied about that, this is crazy you need to fix this no more lies

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 2023-03-13 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: LD Holdings Group, LLC
State: CA

Complaint narrative:
We optioned to enter a forbearance period for our mortgage after experiencing financial difficulties after having XXXX XXXX and losing hours of work and the subsequent reduction in weekly pay benefits. We only needed one month but was given approximately 6 weeks. Prior to ending the forbearance period I spoke to Loan Depot about my payback options and how the whole procedure would or would not affect my credit. I was told that I would have 45 days to pay back the missing months as well as catch up ( or make ) my payments for the coming months as well. XX/XX/XXXX was the first official date to exit forbearance and I could not access any payment options online. Tried to reach out to LoanDepot on paying but I didnt get a response. Today ( the XXXX of XXXX ) I paid back the full amount of the forbearance but was told that I would incur late fees for XXXX and that I have been reported as 60days late to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Smith Debnam Narron Drake Saintsing & Myers LLP
State: NC

Complaint narrative:
I am currently going through a Federal Case in the XXXX XXXX XXXX North Carolina. 

XXXX XXXX has broken a plethora of Federal laws stated below under the FCRA & FDCPA. They have now shared my personal information with an " attorney '' which is violating my consumer rights. 

XXXX XXXX XXXX has violated the FDCPA on many counts in there " agreement '' provided below. 

Please help me with the proper enforcement of law against the tyrannical corporations

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: GOLDMAN SACHS BANK USA
State: MN

Complaint narrative:
PLEASE MAKE THIS INFORMATION PUBLIC. 

False Advertisement by Apple Card. 

I bought two XXXX  XXXX and was double charged. 
I bought two XXXX XXXX tickets and was charged for Three tickets. 
Several unsuccessful attempts had been made. Apple Card only act with the intervention of CFPB. 

Apple Card promised a 3 % cash back. 
Where is my 3 % cash back. 

My Apple Card account is unilaterally closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC
State: CA

Complaint narrative:
On XX/XX/2023 I received a notice on my phone that a medical debt was placed on my credit report. The debt company that placed the unfair mark on my credit report is Phoenix financial services at XXXX. The amount of the debt that was placed on my credit report is {$1600.00}, I received no notice that the company was attempting to collect this debt nor did I receive any mail of an attempt to collect this debt. This debt was placed on my credit report in violation of US credit reporting fair practices. As a consumer I deserve better treatment and courtesy before derogatory information is reported to the three credit bureaus. 

I called Phoenix financial services today and informed them that I never received any notice or messages about any attempt to collect a debt. The guys said yes I'm aware of the ambulance company not notifying people. 

Please advise. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: GA

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. 

Account XXXX : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
We optioned to enter a forbearance period for our mortgage after experiencing financial difficulties after having XXXX XXXX and losing hours of work and the subsequent reduction in weekly pay benefits. We only needed one month but was given approximately 6 weeks. Prior to ending the forbearance period I spoke to XXXX XXXX about my payback options and how the whole procedure would or would not affect my credit. I was told that I would have 45 days to pay back the missing months as well as catch up ( or make ) my payments for the coming months as well. XX/XX/XXXX was the first official date to exit forbearance and I could not access any payment options online. Tried to reach out to XXXX on paying but I didnt get a response. Today ( the XXXX of XXXX ) I paid back the full amount of the forbearance but was told that I would incur late fees for XXXX and that I have been reported as 60days late to the credit bureaus.

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 2023-03-13 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: NJ

Complaint narrative:
Incorrect information listed on my account. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ, XXXX D.O.B XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX, XXXX XXXX PA XXXX Dear Transunion, after receiving a copy of my credit report, I observed several errors and demand deletions of the accounts mentioned below. 


XXXX XXXX card service. Account number XXXX This account MUST NOT be on my credit report because it is a charge off account and is considered income earned. 
DELETE this account. 


XXXX XXXX dealer services Account number XXXX. 
This account MUST NOT be on my credit report because it is a charge off account, and I considered income earned. 
DELETE this account. 

XXXX XXXX account number XXXX I I need an investigation done on this account. I have no knowledge of this account and need proof with all documentation that includes a contract bearing my signature with this company and need the results including the method of verification used in this investigation mailed to me at the address shown above. if not DELETE this account. 

XXXX XXXX XXXX XXXX XXXX This account was involved in litigation! 
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of their alleged debt, nor therefore any such debt, in fact therefore exists! 
DELETE this account. 

Yours truly, 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 2023-03-13 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: GA

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. 

Account XXXX : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-13 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: GA

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. 

Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Im a victim of Identity Theft, Checking my Credit Report after years i saw 2 Bank Of America Credit Cards Open under 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 explanation
Consumer complaint received 2023-03-13 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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 11 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 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 2023-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I opened an account with citibank which was closed in less than 2 weeks, when i called and ask what happened they said you account is being close because of a deposit you made, i was like ok! i asked them if the account was close i was not able to received any checks or direct deposit? they said NO YOU WONT BE ABLE TO RECEIVE ANY FUND GOING FOWARD ( XX/XX/2023 ) i also told them was expecting my check from the irs and they said it would bounce back to them. I called them again to ask if they received my check from the irs they said no, so i called the irs and the state of NJ to find out about my refunds and it turns out that citi bank DID RECEIVED my checks after they account was closed, when i call to ask them ( AFTER THEM HANGING UP ON ME LIKE 5 TIMES ) why they accepted the check after they wasnt supposed to, they said that my account is not close but BLOCKED and now they holding my fund and want me to wait until they close the account but they dont know when they account will close which also leaves me waiting for my funds. Also When i call them to ask them if they can please release the funds i even went to a branch, they are saying i have to wait 30-60 days, but then again the account is still not close after 30 days. This has cause me a lot of stress and disappointed, i been behind on bills for three months ( i also explain this to them, but they dont care ) i dont know what else to do with this bank. If theres anybody that can get a hold of this situation because i have seen a lot of people going through this and nothing gets done this should not be acceptable to hold peoples money for so many days especially after they was the one that decided to not do business with us. CITI BANK NEEDS TO BE SHUTDOWN IMMEDIATELY.

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 2023-03-13 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: MI

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-13 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: MI

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the Right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor many 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