vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-02 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: NY

Complaint narrative:
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2023-03-02 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
After reviewing my credit report I noticed and account that shouldn't be reporting inaccurately on my credit report by the following companies : XXXX, Equifax, XXXX. 
XXXX XXXX  ( original creditor XXXX XXXX ) XX/XX/2022 {$0.00} balance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I.C. Systems contacted me during working hours, which is an inconvenience to me. Also, my number is registered on the National Do Not Call List as of XX/XX/2022. I.C. System, IncXXXX is violating the Telephone Consumer Protection Act by continuously causing my phone to ring during my working hours.

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 2023-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX my computer prompted me to change my password, once I attempted, I received a loud blinking message that my computer was hacked and gave me XXXX number for XXXX. I dialed the number and a " technical support representative '' told me showed me on my screen that an international XXXX crime organization hacked into my computer and phone, and that I was in a grave danger and can't use my phone. He said he would contacted me with on his secure XXXX number XXXX XXXX. He contacted me with XXXX " XXXX representative '' XXXX XXXX, who gave me his XXXX ID # and personnel WF phone number. XXXX told me that the crime organization electronically transferred {$40.00} XXXX dollars out of my account. He told me that the transaction already went through, but if we put a duplicate transaction by XXXX, the bank would see there is fraud activity and stop the funds going through. He told me not to talk to anybody, since it might be an inside job, go to the bank and pull XXXX had to go to 3 separate banks to pull out XXXX in cash. Then he told me that the new most secure deposit procedure with banks is through XXXX ATM machine. I deposited {$39000.00} because XXXX machine for some reason wouldn't take {$450.00}. At that point I realize this was a fraud, but the line was disconnected.

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 2023-03-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have a checking and savings account with Bank of America. I recently purchased a car and had to transfer funds to my checking account. Being I passed the limit of transfers they charged me a fee of XXXX. Plus XXXX in withdrawal fees. I called the bank and asked if they could credit my account back the fees. I explained it was my money and I didnt think it was fair to charge a fee. The individual refused to credit my account. Explained the charges were correct. I know if I had a substantial amount of cash in their bank it wouldnt have been a problem. I want my feed back.

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 2023-03-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC
State: TX

Complaint narrative:
Due to COVID Pandemic I applied for a forbearance to assist through the difficult time period off the shutdown and loss of a loved ones, Planet Home Lending , LLC. ( PHL ) was very helpful during this difficult moment, lead me to believe the help was to review the account and continued to verify my hardship with assistance from Texas Homeowner Assistance Fund program, and the Veterans Affairs Loans Servicing Department. 

To my dismay, PHL agents contacted me and asked me to contact TX Homeowner Assistance Fund ( STATE ) program for the assistance to help with the payments that accumulated over the time of the forbearance, as well as contact the VA loan technician assigned to my mortgage because PHL wasn't able to get any response to move forward with the partial claim being processed. 

Upon the initial contact with the technician there was delays due to high volume of cases during the pandemic and the VA had been back logged for a longtime, per my conversation with the agents at TX HAF ( STATE ) program they were having a difficult time getting the necessary information needed to continue the process to assist and aide me through my time of need, and would email me asking for updated information PHL had failed to produce/provide to move forward with the process and the approval forward. 

I received a call XX/XX/XXXX from PHL stating that they received a lump sum pending on my account and I didn't have to make payments for few months or to the beginning of the new year, when asked was the payment sent from TX HAF program the agent wasn't able to identify all the pertinent information at that time... could only verify payment pending, I later found out that the payment came from TX HAF not VA per Loan Tech XXXX XXXX XXXX, stated that the VA doesn't send monies to the mortgage company ( XXXX ). 

This caused major concerns/ problems because PHL appeared to be waiting in the shadows for whichever opportunity that best suited their agenda leaving me having to get ready more difficult days ahead due to PHL issuing a statement of them returning the amount {$24000.00} that went from pending XX/XX/XXXX to posted XX/XX/XXXX, but the overall disappointment from PHL is the fact they've stated that the information given at the time was misinterpreted/misinformation delivery and then proceeded to apologize for the mix up, stating that the actual order of their process was the partial claim that became the initial payment accepted from the VA for the previous forbearance that was on file dated XX/XX/XXXX. 

PHL stated that the funds from TX HAF program would have to be returned to the State, regrettably that has not been case, nor has there been any returned or received funds per the TX HAF ( STATE ). 

Truly... Respectfully, Best regards to this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A, states I have a right to privacy.

15 USC 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 Section 604 ( A ) ( 5 ) 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 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or 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 2023-03-02 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 to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A, states I have a right to privacy.

15 USC 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 Section 604 ( A ) ( 5 ) 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 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or 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 2023-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I was scheduled for XXXX  XXXX on Wednesday, XX/XX/XXXX. I did research on finding XXXX XXXX and came across XXXX  XXXX XXXX. This facility marketed itself as having 24/7 around the clock nurse care. I booked my stay for 7 days and had to pay in full at the time of booking. I checked in on XX/XX/XXXX and began to notice problems right away. 

During this time, I received little to no help or care, post XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The staff tried measures such as giving me a liquid IV to keep me from going to the hospital. On XX/XX/XXXX, I finally convinced the unlicensed staff that I needed to go to the XXXX. I presented at the hospital with XXXX  XXXX XXXX and XXXX  XXXX. I was immediately admitted and treated with multiple XXXX XXXX 

During my time in the house, we had little care, they were low on food and cleaning supplies such as detergent. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We were told to duck and hide from neighbors as they were noisy and called the police on them before, due to suspicious activity.The house manager XXXX XXXX claimed to be a nurse, however, I can't find a nursing license under his name. This facility was not safe and I felt like I would die due to the lack of knowledge and care that they were providing. I was due to check out on XX/XX/XXXX. I was admitting into the hospital on XXXX. Upon release from the hospital, I changed my flight and immediately flew back to Texas. I paid for 7 days of care and I only received 3 days of care. I reached out the the owner via text and she advised that she would refund the money, but it never came. 

I filed complaints with my banking institution Navy Federal for 1. the XXXX XXXX and 2. XXXX XXXX XXXX. The bank refunded my money for the 3 XXXX I did not receive, however, they refuse to issue a refund for my stay which I was not present to receive services. Their reason is that I received some services. I have provided documents that I only stayed 3 days and they still will not refund my 4 days of stay they I was not at the property and did not receive service. 

Since filing this claim, the local news has investigated XXXX XXXX XXXX XXXX and she has shut down and erase anything related to XXXX XXXX XXXX XXXX. It was proven that it was illegal and did not have proper care and unsafe. The website and all social medias related to the recovery house are gone. Based on her personal XXXX @ XXXX she is now on to her next scam " XXXX XXXX  '' XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-02 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: NJ

Complaint narrative:
THERE ARE ITEMS ON MY REPORT THAT ARE NOT MINE. ACCOUNTS: XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX ADDRESSES: XXXX XXXX XXXX XXXX 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 2023-03-02 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: NJ

Complaint narrative:
THERE ARE ITEMS ON MY REPORT THAT ARE NOT MINE. ACCOUNTS: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-02 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: IL

Complaint narrative:
There wrong personal information on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02 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: IL

Complaint narrative:
There wrong personal information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report : XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccuracies in my credit report. After reviewing my credit report, I have found several errors that need to be addressed. 

Firstly, the charge off accounts from XXXX XXXX and XXXX are not accurate. I have never had any accounts with these institutions, and therefore, the charges are not valid. Similarly, the charge off account from XXXX is not valid, as I have never taken out a loan with them. 

Secondly, the inquiries from XXXX, XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX were not authorized by me. I did not apply for credit with any of these institutions, nor did I give them permission to inquire about my credit. 

These errors on my credit report have caused me a great deal of emotional distress, as they are affecting my ability to obtain credit and make important financial decisions. I demand that these inaccuracies be corrected immediately and that my credit report be updated accordingly. 

If these inaccuracies are not corrected, I may be forced to take legal action under the FCRA to protect my rights. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I filed a dispute with 2022 because I have never lived at this address and do not have any credit cards from this address. Experian reported is as being verified and updated the 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 2023-03-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ

Complaint narrative:
I was renting a one-bedroom apartment from the XXXX at XXXX and XXXX XXXX  XXXX XX/XX/XXXX to XX/XX/XXXX. As I did not plan to resign from my apartment I notified the office of my intent to vacate after my lease. I filled out the required forms in XX/XX/XXXX. This was well in advance of the 60-day notice they require. I officially moved out on XX/XX/XXXX after paying every month on time. Roughly two months after moving out XXXX got in contact with me stating I owe them for XX/XX/XXXX - XX/XX/XXXX. This is completely inaccurate as you can see from the attached lease. The office is very unorganized and they had a significant turnover in management while I was there the notice forms submitted must have been lost or not communicated to the parent company XXXX. 

Recently the Collection agency " COLUMBIA DEBT RECOVERY LLC DBA GENESIS '' has been in contact with me regarding the balance that I owe which is {$2700.00}. This inaccurate debt collection has recently penalized my credit score bringing it down from XXXX to XXXX. I have attempted to work with Genesis on resolving this issue but they are reluctant to agree to a compromise. 

This owed amount is inaccurate and I am reporting it as it is damaging my credit report. I am reporting this to help resolve the issue on my end and report this corporate fraud taking place within the organization.

Company response to consumer: Closed with explanation