vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.

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 2022-12-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
I use a Banana RepublicXXXX credit card supported by Barclays. I have XXXX dollars in reward. On XX/XX/2022, I made a purchase of XXXX USD at XXXX XXXX XXXX XXXX XXXX, FL. I was not able to redeem my rewards for the purchase. I had requested both Barclays and Banana Republic to resolve this by making the adjustment in my statement. The Banana Republic offered to give more rewards, but I have refused to accept that offer, I would rather prefer, the redemption of the reward and adjustment in my statement.

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 2022-12-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
My name is XXXX XXXX. Im client of Bank of America. 
I have my account XXXX. 

I'm traveling in XXXX and unfortunately on XX/XX/2022 I was robbed in XXXX, where the 2 thieves with physical aggression took my cell phone while I was using it. They blocked my XXXX password so that I couldn't block the cell phone having access to all my passwords and apps. 

Once I had access to my computer, I logged into online banking and changed my password online, and also blocked my debit and credit cards. 

I went to the police station to register the robbery : Report number : XXXX Departamento de Policia : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I told them I have the police report to send XXXX I contacted the bank to notify the robbery. I informed them that any transaction carried out from XX/XX/2022 onwards was not made by me on my credit card or bank account. 


2. XXXX XXXX XXXX XXXX I informed the attendant that 3 transfers were made but those werent made by me. 

1. XXXX XXXX {$200.00} to XXXX XXXX I informed him that I would like to notify that I did not carry out this transaction, the same was done by the thieves, however, the bank would not need to process a possible return of the amount because the amount was stopped in my XXXX XXXX I believe thieves did not know how to use the App. I could return the amount to my bank account myself. 

Resolution by the bank : Claim XXXX was opened to notify that I was not the one who carried out the transaction. They put a temporary credit adjustment in the amount of U {$200.00} and blocked any operation coming from my cash app. 

2. XXXX I informed the attendant that there were 2 transactions through XXXX that were not carried out by me. 

1. U {$10.00} to XXXX I did not carry out this transaction, however, XXXX is one of my contacts. I believe the thieves were learning how to transfer through XXXX. In this case, I could ask XXXX to return the value to me. 
The attendant said It would be better XXXX not to return the amount until the claim was completed. 

2. {$100.00} to XXXX XXXX I didn't carry out that transaction and I don't know that person. Also, the person is not in my XXXX contacts. I never made any transaction for this person. This beneficiary is tied to thieves. 


Resolution by the bank : They opened the claim but did not provide me with the number. They said I would receive it by email or could check it at the center but I have not received. 
No temporary credit adjustment has been made to my bank account and the process has not yet completed.

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 2022-12-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Ive reviewed all three of my credit reports and I've noticed that multiple of my accounts are showing inaccurate information. Ive tried countless of times to dispute via phone and online portal with no results. These accounts have inaccurate loan balances, late payments, credit usage and account type. Please fix the following so it can be accurate with all three credit reports XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( BALANCE ), XXXX XXXX XXXX ( BALANCE ), XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-26 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: AL

Complaint narrative:
Ive reviewed all three of my credit reports and I've noticed that multiple of my accounts are showing inaccurate information. Ive tried countless of times to dispute via phone and online portal with no results. These accounts have inaccurate loan balances, late payments, credit usage and account type. Please fix the following so it can be accurate with all three credit reports XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( BALANCE ), XXXX XXXX XXXX ( BALANCE ), XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 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: NY

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, Account name : # 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 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 2022-12-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Remove this unauthorized inquiries

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 2022-12-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
In around 2015 the cosigner of my vehicle ( we had equal responsibility of the car on the title ) illegally towed my car I had made all payments on time for and brought it to the XXXX dealership we got it from and had the loan terminated from wells fargo as they traded it in for another car for themselves. I contacted wells fargo and XXXX XXXX of XXXX Arizona and they wouldn't respond or comment.

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 2022-12-26 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: GA

Complaint narrative:
In 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 instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
XXXX XXXX performed a XXXX  test ordered by my doctor and submitted an insurance claim that did not contain the correct diagnosis codes ( these codes were provided by the doctor but quest failed to use them properly ). On attempt to resolve this, XXXX  refused to allow me to speak with a billiing representative and insisted that the claim was filed correctly ( XXXX XXXX XXXX XXXX XXXX XXXX  I can confirm they were not acting in good faith here ), and refused to correct or alter their claim. Knowing what the particular service is " worth '' ( based on public infomation provided by XXXX ), I made a payment to the collections agency with a " Final Settlement '' notation, knowing that I had paid over XXXX the reasonable value of the service ( though not the 1200 % charge amount they were attempting to collect ). They also refused outright to negotiate by even XXXX XXXX, when the representatives know very well that an insurance company would not ever consider paying over {$250.00} for a test valued under {$20.00}. This practice exists blatantly to take advantage of consumers and extort as much money out of them as possible. 

As most courts have historically upheld personal checks as binding contracts, the endorsement of the check marked Final Settlement by the collection agency represents a legal agreement by the debt collector as acceptance of the check amount ( XXXX ) as full and final settlement of the oustanding debt. There is no place for them to endorse ( aka, agree to the terms of ) a check and simply ignore SOME of the terms but not others indicatred on the front of the check. 

I have communicated repeatedly with XXXX XXXX and CCS ( the debt collector, " Credit Collection Services '' ) but neither corporation had any interest in resolving this matter with any sort of respect or understanding for the consumer/patient, nor were they in any way willing to admit that they are, in effect, price gouging and taking advantage of patients at their most vulnerable times, not even willing to provide any administrative relief ( ie., modifying an insurance claim to provide additional information that was initially omitted from the claim ), nevermind financial. 

All information/addresses/telephone numbers can be found on attached documents for XXXX XXXX and Credit Collection Services.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
My mom was contacted by someone pretending to be a XXXX XXXX XXXXXXXX on XX/XX/XXXX. He said she was involved in a XXXX XXXX XXXX  and she needed to send then money to clear her name. Over the course of a month she began transferring them money via wire with the first one dating XXXX for XXXX, the next XXXX for XXXX, the next XX/XX/XXXX for XXXX and the last amount XX/XX/XXXX for XXXX. They said they were going to transfer the money back but have cease all comtact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 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: LendingPoint Holdings LLC
State: MO

Complaint narrative:
I have requested proof of " consent '' from the referral source XXXX XXXX says that I gave and have not recieved it. I did not give my consent for them to have access to my personal data. By law they were suppose to provide this to me and they never did. Since they accessed my report and are showing up as an inquiry ; it is there responsibility to prove upon request they had my consent. They told me to reach out to the 3 credit bureaus but they are who should prove or delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 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: MD

Complaint narrative:
When I was with Wells Fargo theyve charged me crazy fees, they allowed made up companies to take money from my account which in return wells would take the money from my savings to put to funds that was over account balance, they didnt know how to fix it u til after thr 4th-5th time and reimbursed me for the last transaction. So I stopped using them and they closed my 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 explanation
Consumer complaint received 2022-12-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was told by XXXX  I was given a loan via my bank. I do not have a bank nor had one. I had in past 5 years gotten loans from them only in person and paid them all. I got a text saying I got a loan and had a payment due the same day. When I called them I was told money went to my bank. I had no bank. I complained to experian who told me it's accurate. It is not. Now I see payments were made except not by me. Please fix this. I've worked for 3 years and haven't been late on one of my XXXX credit cards and now it's ruined and experian can't tell me who's acct it is or who's making pymnts. 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 2022-12-26 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: FL

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 XXXX XXXX XXXX XXXX XXXX Account name : # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account name : # XXXX, has violated my rights. 

XXXX5 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 2022-12-26 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: FL

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 XXXX XXXX XXXX Account name : # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account name : # 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 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 2022-12-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX  and portfolio trying to collect a debt. That over 10 years old. I need them to show me first 90 days late and the original year this started from

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: SC

Complaint narrative:
This account from CREDENCE RESOURCE MANAGE for {$270.00} was added to my credit profile without my knowledge. I do not own this account and it was never verified with any parties. Please have the account removed. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I logged into my XXXX account and AWA Collections has flagged my account to attempt to collect {$200.00}. Letter below will be sent to them. 


AWA Collections XXXX XXXX XXXX XXXX, CA XXXX To Whom It May Concern : Be advised I am disputing this debt and collection. There was no signed financial responsibility form ever completed with XXXX XXXX XXXX. I would like to see documentation showing treatment rendered and my signature agreeing to charges and the charges listed. No statements/bills or attempts by the provider has ever been received. My insurance covered what was needed and that was agreed upon at time of service. 

Also, this is a HIPAA violation, and I will be reporting XXXX XXXX XXXX to the XXXX XXXX as I have a right to protect my privacy and medical and dental records from third parties. I do not recall giving any permission to XXXX XXXX XXXX for them to release my dental records to a third party. I am aware that HIPAA does allow for limited information about me but anything more is only to be revealed with the patients authorization. Therefore, my request is twofold Validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and dental charges.

Provide a copy of my signature with the provider of service to release my dental information to you. 
Cease any credit bureau reporting until debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the Fair Debt Collection Practices Act ( FDCPA ). Please note that withholding the information you received from any medical and dental provider is an attempt to be HIPAA Compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor, so they are also aware of my dispute with this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The personal information showing on my Experian credit report is inaccurate. There are misspelled names, outdated address and phone number. This is a big red flag for identity theft, pre-approved credit card offers could be sent to the wrong addresses. I only have one name, one address and one phone number. 

I've tried to correct this directly with Experian by sending a XXXX XXXX Mail on XX/XX/2022 requesting removal of inaccurate personal information, but they have refused to remove some of the wrong personal information and they remain on my Experian credit report to this date.

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