vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: MO

Complaint narrative:
This is why I am going public. To warn and protect others from having a supposed representative calling from US Bank fraud department. I had never used XXXX nor even realized it existed. I was completely clueless and very panicked when a ( representative ) of US Bank fraud department called and said XXXX had been taken out of my savings account and telling me the steps I need to take to get it back. Let me repeat that someone claiming to be from US Bank fraud department contacted me representing your company from a number that is actually your fraud line department telephone number. My savings is almost wiped out and my bank account has been frozen for weeks now because of this. If you think I am going to let this go you are very wrong. And people need to be made aware of the scam using your bank. XXXX and 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 2022-08-20 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: Nelnet, Inc.
State: TX

Complaint narrative:
I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions unknowingly authorized. There are variation of companies name, account numbers are incomplete, variations of balances. If there are 36 entries on my consumer credit file combine with all three of the major consumer reporting agencies which are XXXX XXXX and XXXX XXXX. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include XXXX XXXX and XXXX XXXX all three agencies have had data breaches. Within the last 60 days some of these transactions have appeared on my credit file. On XX/XX/2022 my credit score has plummeted over 100 points.

SEE ATTACHMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I refinanced both of my automobile loans to receive a lower interest rate. Initially, all of the credit bureaus had both accounts for both cars listed on my credit report. They ( Transunion, XXXX, and XXXX ) dropped my credit score by almost ( 70 ) seventy points because of the transfer of the loans. It is inconceivable that the reduction was warranted and fair, as I have a caucasian friend who sold his house and his credit score didn't drop a point. The blatant disregard for Consumers is obvious or should be and warrants an investigation of the entities.

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 2022-08-20 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello, I disputed US DEPT OF EDXXXX XXXX XXXX and on XX/XX/XXXX I was notified that US DEPT OF ED/XXXX  XXXX XXXX was deleted per the image below ; report XXXX. Then I was then notified on XX/XX/XXXX the same account ; US DEPT OF EDXXXX XXXX XXXX was updated with with Report number XXXX. Then another notification US DEPT OF EDXXXX XXXX XXXX was updated again with report number XXXX. The account was deleted and then reinserted with account US DEPT OF EDXXXX XXXX XXXX. It contains same information such as the name, date opened, payment history, balance, etc. as the deleted acct but with a different account number. 

My rights were violated by Experian is in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). Which states : 5 ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency ( ii ) Notice to consumerI f any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 

I was not notified and I received no mail from Experian within 5 days of the reinserted account despite Experian having my current address. I'm unsure why I wasn't notified, please remove this account.

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 2022-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: California Business Bureau, Inc.
State: FL

Complaint narrative:
CALIFORNIA BUSINESS BUREAU , INC has been reporting amounts to XXXX for medical debt allegedly owed to XXXX in XXXX XXXX. The Collection Agency refuses to provide me with any documentation of these account balances and continues to report each amount to XXXX four or five times each month. Each time I ask the collection agency for an account statement I am told that the collection agent is waiting for the original creditor to send them documentation that they have requested. I have contacted the original creditor and been informed that no information has been requested by the collection agency for any of these accounts. California Business Bureau , Inc. refuses to provide account statements, reports the balances to XXXX several times per month, refuses to attempt to actually collect any money they allege I owe and has been negatively impacting my credit score since XXXX without just cause. I have filed complaints with XXXX and they have accepted Certifications and Verifications from the collections agency in lieu of requiring documentation to substantiate the amounts owed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 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:
I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions unknowingly authorized. There are variation of companies name, account numbers are incomplete, variations of balances. If there are 36 entries on my consumer credit file combine with all three of the major consumer reporting agencies which are XXXX XXXX and Trans Union. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include XXXX XXXX and Trans Union all three agencies have had data breaches. Within the last 60 days some of these transactions have appeared on my credit file. On XX/XX/2022 my credit score has plummeted over 100 points. SEE ATTACHMENTS

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 2022-08-20 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: AL

Complaint narrative:
n accordance with the Fair Credit Reporting Act 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 instruction.

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 2022-08-20 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: AL

Complaint narrative:
n accordance with the Fair Credit Reporting Act 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 instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 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: CA

Complaint narrative:
I spoke to XXXX on numerous occasions about several accounts on my credit report that was a result of identity theft. Also I called the companies and they keep telling me that the information is factual. 

1. XXXX XXXX -This account was opened on XX/XX/XXXX, the account number that is listed on my XXXX report is XXXX in the amount of {$3100.00}. The company address is XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXXThis account was opened on XX/XX/XXXX, the account number listed on my XXXX report is XXXX. The company address is XXXX XXXX XXXX XXXX XXXX, MN XXXX. 

3. XXXX XXXX XXXXXXXX - This account was opened on XX/XX/XXXX, the account number listed on my XXXX credit report is XXXX in the amount of {$780.00}. The company address is po box XXXX XXXX XXXX, NY XXXX. All of these accounts are due to identity theft and fraud. I need them to be removed from my credit report permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America, located headquarters in XXXX, XXXX since XXXX XXXX XXXX via cashier check in amount over {$6.00} XXXX. 
Since then BOFA XXXX XXXX XXXX XXXX ( OCFG ), includes members such as XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and others financially terrorizing me by keeping me as Financial XXXX. 
They devise fraud scheme to steal my money with XXXX employees, which holds my funds against my will. 
The Bank of America and XXXX where I am a customer for a long time are affiliates and partners committed psychologically abuse, install fear, pain, letting me live under psychological duress are trying to kill me XXXX XXXX XXXXXXXX XXXXXXXX XXXX  citizen and XXXX XXXX, who came 43 years ago as a XXXX XXXX to America. 
Executive Management is punishing me because I refuse to aggressive tactics by employees of Bank of America to fore me their Credit carts, Merrill Lynch products and other unwanted financial items. 
For the past 15 years, they are claiming I am XXXX XXXX XXXX customer, but they withdraw money from my accounts for apparently unknown to me reasons. When I ask them they do not reply to me and in hiding from its customer. Do not reply to emails and telephone calls to discuss matter, If you need more specific information, please contact XXXX XXXX at XXXX XXXX. XXXX or email : XXXX. 
I am partially XXXX, with XXXX, post XXXX  and XXXX XXXX XXXXXXXX XXXX XXXX man barely surviving and Bank of America by Financially terrorizing me, XXXX  my money, keep me a Financial XXXX made me XXXX. 

Thank you very much for your help. 

Sincerely yours, XXXX XXXX XXXX Bank of America XXXXXXXX XXXX citizen

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC
State: CO

Complaint narrative:
I returned the cable equipment to XXXX that I am now being charged for. I have contacted XXXX and gave them my receipt number and I have tried to dispute the charge through XXXX. I have now been turned over to the collection agency, Waypoint, even though I returned all the equipment and have a receipt. When I talked to XXXX they told me everything is good now because I have returned the equipment and have a receipt. The amount the collection agency is claiming I owe is {$570.00}. I have my receipt, that is dated XX/XX/22 with receipt number of XXXX for the return of video equipment with the serial and model numbers of : Serial number XXXX Model number XXXX Serial number XXXX model number XXXX  and Serial number XXXX model number XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. Please send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/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 Inquired on XX/XX/XXXX Inquired on XX/XX/XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX 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 Inquired on XX/XX/XXXX Inquired on XX/XX/XXXX & XX/XX/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 2022-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: CO

Complaint narrative:
A false debt appeared on my credit report from ABILITY RECOVERY SERVICES XXXX XXXX XXXX XXXX, PA XXXX for a medical bill that I never had. I was never a patient at this practice, never received care from This practice and even the XXXX  determined that this company is illegitimate. This medical bill is fraudulent and fictitious. This bill is not real. No one ever tried to contact me or send me any information. This just randomly appeared on my credit report for no reason at all. Completely fake. My insurance covers All of my medical expenses! This is a fraudulent account that does not exist. Please remove this from my credit reports. It is not real. One of the credit companies has already removed the information from my report because it is not real! It is fraudulent! Please Help! This company is creating false debt using clinics that went out of business and no longer exist, they steal your information and create false accounts and then place the accounts in collections! They never contact you, they just destroy your credit and try to trick you into paying XXXX  of dollars for fictitious accounts that they created by stealing your information! The accounts are not real, they are created illegally! A class action lawsuit should be the next step!

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 2022-08-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion is still reporting a property that I have NEVER lived at or owned at any point of my life. I need this off of my credit report. I KNOW for a fact it is FRAUD. XXXX XXXX XXXX XXXX. XXXX, NY XXXX On there since XX/XX/XXXX. My current address since XXXX and only address is XXXX XXXX XXXX XXXX XXXX, Illinois XXXX. I NEED THIS REMOVED PLEASE. I've sent several letters about this issue and it is STILL on my report. PLEASE HELP. There ae other things on my report as well.

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 2022-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Capital one we called in about XX/XX/XXXX, Capitalone Cancelout my wife Credit Card .Because supposely XXXX charge her c/c {$16.00}, Capital one never ask to cancelout her card.They said they replace card we never got when we was in XXXX, XXXX  . address, Than XX/XX/XXXX i called again there ask for copy my drivers licence front and back for me to get replacement card for my wife.We never got, i told the employees, this how i got scam on XXXX asking for me to up load driver license front an back, now it seems Capital one Scamming me which they did.We still never got wife Credit Card replacement.We tried online to change our resident address to POB? Capitalone would not let us.We moved back to XXXX  late XX/XX/XXXX update Mailing were we get our Capitalone statements.But as today XXXX XXXX My wife still donot have Replacement Card its been 6months without C/C furthermore Capitalone told me two weeks ago they Mail me main person update replacement c/c, as of XXXX XXXX i went to get my mail about 60 miles away, and i never got my C/C my Card expires XX/XX/XXXX and online website it keeps saying for me to Active now? Yeah right i dont even have my card how stupid is that.Capitalone is Employees are liars and they owe me Gasoline Reburstment charges on my C/C for XXXX XXXX to drive over and back were in live.XXXX, XXXX  XXXX XXXX {$29.00} and {$30.00} cost me in gas to go to XXXX, XXXX  and me drive back home to XXXX, XXXX  in XXXX it cost lot to drive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX and 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

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 2022-08-20 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX and 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: PLS GROUP, INC
State: IL

Complaint narrative:
This is regarding the transaction that I made today with PLS Check Cashers at XXXX XXXX XXXX, XXXX, IL, XXXX. I went there to purchase XXXX of XXXX car sticker. I explained to the Cashier that I moved from XXXX to XXXX recently. I presented to her various documents such as utility bills, USPS change of address notice, Mortgage Statement. She informed me that she needed a document from me to support that I transferred to XXXX. I presented to her the documents. She stated that, " this is not what I needed.I need a document that of a Lease of the new address. '' I informed her that I do not have the Lease since I bought the property and not renting it. 

The cashier insisted that I pay a late fee of {$60.00} for a XXXX of XXXX sticker. The reason that she charged me with additional {$60.00} late fee because I can not present a document that I moved to XXXX. I asked her that would it not sufficient that the change of address Notice date on USPS in XX/XX/XXXX? 

I think collection of late fee is not justifiable since I brought and presented to the Cashier all documents needed to prove that I transfer to XXXX. This is a form of unfair consumer charging in an unscrupulous way. 

I was charged for a XXXX XXXX Sticker for a total of {$160.00}. The car sticker is only good for 6 months ( XX/XX/XXXX ). I was charged of an additional fee of {$5.00} ( which it was not explained to me what this fee for ).

Company response to consumer: Closed with explanation