vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-26 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: FL

Complaint narrative:
In XXXX, my mom helped me lease a XXXX XXXX XXXX and the financing was through XXXX XXXX XXXX. At the end of the lease, we turned the car in because I could not afford payments on it. The original sales person at XXXX XXXX XXXX wrote up my contract wrong for the mileage allowed during the lease, leaving my mom and I with a balance of {$1200.00} for the overage of miles. Neither my mom or myself could afford to pay XXXX XXXX XXXX at that time so we let it go to collections. On XX/XX/XXXX, I called and resolved this balance for full and final payment of the lien for around {$850.00}. They sent me a letter stating the account was paid in full and they would report it to the credit agencies as such. Fast forward to XXXX of XXXX, I tried to get a personal loan through a bank and they could not grant me the loan because my credit report was stating I still owed the full amount of {$1200.00} to XXXX XXXX XXXX. I called again in XXXX of XXXX, they apologized for the inconvenience and stated they would resolve it with the credit agencies. In XXXX of XXXX, I went to XXXX XXXX XXXX and bought a new car, but was told XXXX XXXX XXXX would not finance me because I still owed them {$390.00} from the original balance in collections. This is absolutely inaccurate and I do NOT owe XXXX XXXX XXXX a dime. This should be resolved as PAID IN FULL, not charged-off. This needs to be resolved ASAP. XXXX XXXX XXXX had 30 days from the day the {$850.00} was agreed upon and paid for to fix it with the credit agencies and they have still failed to do so. This is messing with my livelihood and is on my credit report to this day.

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 2022-04-26 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: FL

Complaint narrative:
In XXXX, my mom helped me lease a XXXX XXXX XXXX and the financing was through XXXX XXXX XXXX. At the end of the lease, we turned the car in because I could not afford payments on it. The original sales person at XXXX XXXX XXXX wrote up my contract wrong for the mileage allowed during the lease, leaving my mom and I with a balance of {$1200.00} for the overage of miles. Neither my mom or myself could afford to pay XXXX XXXX XXXX at that time so we let it go to collections. On XX/XX/XXXX, I called and resolved this balance for full and final payment of the lien for around {$850.00}. They sent me a letter stating the account was paid in full and they would report it to the credit agencies as such. Fast forward to XXXX of XXXX, I tried to get a personal loan through a bank and they could not grant me the loan because my credit report was stating I still owed the full amount of {$1200.00} to XXXX XXXX XXXX. I called again in XXXX of XXXX, they apologized for the inconvenience and stated they would resolve it with the credit agencies. In XXXX of XXXX, I went to XXXX XXXX XXXX and bought a new car, but was told XXXX XXXX XXXX would not finance me because I still owed them {$390.00} from the original balance in collections. This is absolutely inaccurate and I do NOT owe XXXX XXXX XXXX a dime. This should be resolved as PAID IN FULL, not charged-off. This needs to be resolved ASAP. XXXX XXXX XXXX had 30 days from the day the {$850.00} was agreed upon and paid for to fix it with the credit agencies and they have still failed to do so. This is messing with my livelihood and is on my credit report to this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: TX

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2022-04-26 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:
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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 non-monetary relief
Consumer complaint received 2022-04-26 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:
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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX a federally protected consumer, and I am making this complaint against Convergent Outsourcing , Inc for committing fraud and identity theft. I have never contracted with Convergent Outsourcing , Inc and I did not authorize nor consent to the use of any of my identifying information to commit mail fraud and unlawful extortionate activities by contacting me about an alleged debt they claim I owe them. These abusive, deceptive, and unfair debt collection practices committed by Convergent Outsourcing XXXX Inc have brought me severe stress and anxiety. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal and both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Convergent Outsourcing, Inc can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Convergent Outsourcing , Inc continues its collection efforts, I will file for litigation for actual damages caused, and Convergent Outsourcing, Inc will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

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 2022-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc
State: MN

Complaint narrative:
TODAY I SPOKE TO THE FRAUD DEPARTMENT AT XXXX SO THEY CAN FILE A IDENTITY THEFT FRAUD DISPUTE AGAINST AFFIRM FOR ACCOUNT # XXXX. DURING OUR CONVERSATION, THE AGENT ADVISED ME TO FILE A FEDERAL TRADE COMMISSION IDENTITY THEFT FRAUD COMPLAINT AFFADAVIT. ATTACHED IS MY AFFADAVIT FOR MY OPEN IDENTITY THEFT FRAUD CASE # XXXX WITH XXXX. I HAVE ALSO FILED A POLICE REPORT AND ATTACHED THE TEMPORARY REPORT TO THIS COMPLAINT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: IL

Complaint narrative:
On XX/XX/2022, I reviewed my mortgage statement for the principal balance outstanding, and the interest due for XX/XX/XXXX. I had sufficient funds to payoff the loan, so after reviewing my monthly statement, I wrote the check out for that total balance, and mailed it to the address on the statement for additional payments. I received a call on XX/XX/2022 telling me that because it was a payoff, it had to be certified funds. After talking with the customer service rep, she said the payment could be put through, and then any balance I could take care of the next day. I checked the system on XX/XX/XXXX, and saw the loan had not had the payment applied. I called and was told that they couldn't accept the payment because it wasn't certified funds, and I hadn't requested a payoff letter. I asked where on my monthly statement was the direction that I had to request a payoff letter, and then needed certified funds ( either cashier 's check, money order or wire ) in order to pay the loan off. I was told that they would be return my check to me, and I would need to get them the funds by XX/XX/XXXX, or the payoff would be a higher dollar amount since I would have missed the XX/XX/XXXX cut off. I am extremely frustrated, as this information should be included on the monthly statement, as mortgage loans are out there for several years, and since they are typically sold after closing, different servicers can have different requirements for paying off the loan. It was very frustrating as I have sent other checks for amounts in excess of my payoff check, and never had any issues, or were required to have those funds be certified. In order to get this loan paid off timely, I had to incur a wire fee to get the funds over to the servicer. I tried to discuss this with the servicer, but was told that was their process, and there was no other option.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: EQUIFAX, INC.
State: AR

Complaint narrative:
DISPUTE : Phone call to Equifax Credit Bureau XXXX XXXX XX/XX/22 Phone call to XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) data Supervisor, XXXX XX/XX/22. 
Notes included in uploaded documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
On XX/XX/2022, I purchased to XXXX XXXX XXXX, one for {$200.00} and the other for {$250.00} from XXXXXXXX XXXX on XXXX XXXX XXXX. On XX/XX/XXXX I gifted the cards. I received notification that the cards were not loaded, however I have the orignal receipt and the proof of activation. When the cards were purchased the funds were loaded to an unknown card and not the cards I physically walked out of the store with. I went to the store and they said to call the XXXX. I called XXXX and they said the cards were never loaded go back to the store. I have went back and fourth from store to XXXX on the following dates below and filed a claim XXXX with XXXX XXXX on XX/XX/2022. On XX/XX/2022, XX/XX/2022, XX/XX/2022, XXXX, XX/XX/2022, XXXX, XX/XX/2022. I have faxed documents five times with proof of transmittal and mailed hard copies twice. I get a new CSR everytime I call and have to start the investigation all over again. Nobody will take responsibilty or help me resolve. I paid XXXX XXXX and did not receive my purchase? Please help 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 2022-04-26 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:
I am concerned as to why I have previously filed a identity theft report for some fraudulent information on my file and the company did not do anything about it. 
I have filed the FTC identity theft report as required by FCRA [ Fair Credit Reporting Act ], and have provided my identification, made it clear as to what information resulted from the identity theft and provided a statement from myself as the consumer involved. I sent the documentation via priority express and received a return receipt however, the agent states that they do not see anything that I sent in. The agent stated that when this information is submitted ( FTC report or police report ) the information will be removed without any questions. 
I am sending the information via this portal so that I KNOW and have third party proof they received the documents since I keep having this error. 
I have submitted an online dispute and it did not let me add the documentation like the agent stated. The reference number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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:
In accordance with the Fair Credit Reporting act XXXX  account # XXXX has violated my rights. 

15 U.S.C 1861 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card 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 non-monetary relief
Consumer complaint received 2022-04-26 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:
In accordance with the Fair Credit Reporting act XXXX  account # XXXX has violated my rights. 

15 U.S.C 1861 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I met a guy on XXXX and he told me to invest XXXX and made good money. He taught me how to do XXXX. After one month he helped me to withdraw and the taxable income {$42000.00}. Later I got another error with incorrect account number cause it frozen and they asked to pay {$32000.00} to unfreeze. Additionally its not stopped. They said now they have to transfer to third party to do withdrawal with XXXX more. I called the mufg and found out it not doing XXXX invest. I called bank but they dont have any update

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 2022-04-26 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: CA

Complaint narrative:
The following accounts are being reported inaccurately. The accounts are listed in the good standing section yet have late payments that are hurting my credit. Please remove all of the late payments. I have attached a copy of my credit report so you can see. 

Account numbers : 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 explanation
Consumer complaint received 2022-04-26 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. My fico has me at a credit score over 709 Transunion has me at a score around 490. That is a huge difference. Transunion paints me as a XXXX. My fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rep but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX. PLEASE HELP ME PLEASE im XXXX  now.

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 2022-04-26 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX, TransUnion and XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 According to the 15 USC 1681 SECTION 602A. States I have the right as a consumer to privacy.

According to 15 U.S.C 1681- ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 


These addresses does not belong to me or belong my credit report. 

1.1300 XXXX XXXX XXXX XXXX, FL XXXX 2XXXX XXXX XXXX XXXX XXXX, FL XXXX 3.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 4XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 5XXXX XXXX XXXX XXXX XXXX, FL XXXX 6.XXXX  XXXX XXXX XXXX XXXX, FL XXXX 7XXXX XXXX XXXX XXXX XXXX FL XXXX This is not my date of birth XXXX These telephone numbers does not belong to me or belong on my credit report 1. ( XXXX ) XXXX 2. ( XXXX ) XXXX These names does not belong to me or belong on my credit report. 

1.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 explanation
Consumer complaint received 2022-04-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX, XXXX and Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 According to the 15 USC 1681 SECTION 602A. States I have the right as a consumer to privacy.

According to 15 U.S.C 1681- ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 


These addresses does not belong to me or belong my credit report. 

1.XXXX  XXXX XXXX XXXX XXXX, FL XXXX 2XXXX XXXX XXXX XXXX XXXX, FL XXXX 3XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 4XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 5XXXX XXXX XXXX XXXX XXXX, FL XXXX 6.XXXX  XXXX XXXX XXXX XXXX, FL XXXX 7XXXX XXXX XXXX XXXX XXXX FL XXXX This is not my date of birth XXXX These telephone numbers does not belong to me or belong on my credit report 1. ( XXXX ) XXXX 2. ( XXXX ) XXXX These names does not belong to me or belong on my credit report. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation