vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-25 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: NY

Complaint narrative:
XX/XX/2022 Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NV XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX. Validate Account XXXX XXXX  Account XXXX : XXXX Please remove it from my credit report. 

4. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following personal information is incorrect XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, 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 2022-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
In XXXX of 2022 I was in XXXX for the weekend. I left my card at a bar. I called the bar a few days later and asked if they had my card and they said they shred all cards left over the weekend. I called Capital One to get a replacement card and they sent a card with the same number to me. Then on XX/XX/XXXX someone made 6 fraudulent purchases with my card. I called Capital One again and they sent me a new card number. The fraud department is holding me responsible for these charges since someone used the physical card for them, despite me not being in XXXX and the fact that I called after my card was lost initially and they proceeded to send me a card with the SAME number on it. The supervisor I talked to told me that I can submit evidence but refused to give me examples of what evidence. I told him I have a COVID test appointment/result in XXXX 2 days later but nothing on the day of. He essentially told me that I had no chance of winning this case even though I have not physically been in XXXX in months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX XXXX did a hard hit on my credit indicating I opened a new account with them on XX/XX/2022, which I did not. I do have an old account with them from last year with no balance due. I have not requested an increase in credit or any other activity that would require or authorization them to run a credit report and hard hit on my credit history. ( certainly did not open a new account with them ) which is what is stated on my credit report right now. I contacted them by phone yesterday and they acknowledge that I did not authorize any such inquiry nor did I request a new account or any changes to my existing account and that they would be mailing a letter with an explanation at a later date. 
I requested that they re-track the entry on my credit report as I am currently rebuilding my credit and this could negatively affect my credit history they refused. My personal information is not for them to use at will. 
The account was NOT opened last week it is NOT a new account and I did NOT apply for that date and did NOT give them permission to run any type of credit inquiry last week or even in this year. They clearly state they are aware that I did not give them permission.

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 2022-04-25 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: NY

Complaint narrative:
The credit Bureaus never did a proper " investigation '' according to FCRA. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on with whom he is acquainted or who may have knowledge concerning any such items of information. 
they did not do such thing. 
Also, they have violated my rights even more in accordance with the fair credit reporting act everything has to be 100 % accurate on the credit report. 
the credit bureaus stated my account was property investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate an the date last reported is not accurate .this grounds for removal

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 2022-04-25 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: DC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX and this complaint is for an unauthorized ACH withdrawal from the HOA 's checking account with Bank of America. 

XX/XX/2021 XXXX XXXX  unauthorized withdrawal of {$500.00}. 

I opened a claim with Bank of America and on XX/XX/2021 received an email from them denying the claim on the grounds that the checking account has a contract with XXXX XXXX XXXX. As evidence, BoA provided a form titled " ACH debit authorization '' with the HOA 's information on it, with a space for the signature. The form is unsigned. No one in our organization has authorized this debit or even knows what XXXX XXXX XXXX is.

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 2022-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: John C. Heath, Attorney at Law, PLLC
State: TX

Complaint narrative:
From XX/XX/2021 until XX/XX/2021 I was a client of Lexington Law and paid them a monthly fee to help improve my credit and get things removed from my reports. However, during that tenure I had one or so items removed from my report even though I had multiple hits on my credit score due to things that have already been paid in full and should have been very easy to get off my reports. Unfortunately, that was not the case and I requested feedback on why certain things were not being removed and what was causing it and the Lexington Law staff member informed me that I was the problem and somehow it was my fault they could not get things off my credit. I was extremely taken back and then asked to be removed because I expected them to be the experts and it seemed like they did not care about my actual success in the program as long as I paid. Not only did the women disrespect me verbally she refused to close my account and attempted to continue charging me and demanding I owed them. I had to call back and speak to someone else to request cancellation of the program. I then saw a decline of over XXXX points in my credit score as soon as I left the program. This was done maliciously with the intent to destroy my credit in order for me to sign back up with the program.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have contacted the consumer reporting agency informing them that they are reporting inaccurate information and to have the information deleted. I have been trying to get this information removed for the past 4-6 months with little to no resolution. I haven't gotten any information in regards of the dispute. The only thing i see on my consumer report is that they " UPDATED '' the information but nothing was ever removed and/or continued to be inaccurate. They have also failed to do a proper investigation and resolve the issue. 
I do understand that anything that reports to my consumer report is suppose to be 100 % accurate and 100 % verifiable. Failing to do so and knowingly failing to do so is a complete violation of the FCRA. This is also a false representation of my character, this has prevented me from being able to properly use my credit for any simple credit application do to the negligence of the consumer reporting agency. I will pursue for any damages that this has caused me in the last few months. I was also told that they couldn't verify my identity, yet i sent in copy of my ID, SS CARD & PROOF OF ADDRESS! 

PLEASE REMOVE THIS INACCURATE INFORMATION. 

ALL 3 consumer reporting agencies are reporting inaccurate : Last day reported Date last active date of last payment high credit limit Reporting inaccurate late payments

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 2022-04-25 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: VA

Complaint narrative:
XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX XXXX accordance with the fair credit reporting act the list of accounts below has violated my federal protective consumer rights to privacy and confidential under 15 USC 1681 15 USC 1681 section 602 A States I have a right of privacy 15 USC 1681 Section 604 section 2 It also steaks a consumer reporting age can not furnish a account without my written instruction.

15 USC 1681c ( a ) ( 5 ) Section States No consumer reporting agency my make any consumer reporting contain any other following items of information any other adverse items of information other than records of conviction of crimes which antedates the report by more than 7 years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not Parrish 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 in accurate I will continue to send complaints until equifax and XXXX XXXX follow the Consumer law

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
on XX/XX/2022 I requested an investigation for my credit report because I seen some items reporting that I had no knowledge of. Then I noticed the inaccuracy of these accounts in which I wanted validation for them. 
XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX XXXX  ACCT # XXXX These accounts appear to all be closed with derogatory remarks. The information provided by each creditor can not be verified because the account numbers are incomplete.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
on XX/XX/2022 I requested an investigation for my credit report because I seen some items reporting that I had no knowledge of. Then I noticed the inaccuracy of these accounts in which I wanted validation for them. 
XXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX These accounts appear to all be closed with derogatory remarks. The information provided by each creditor can not be verified because the account numbers are incomplete.

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 2022-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Transunion, XXXX and XXXX are reporting different last payment for a closed account. Under the FCRA this is illegal ....

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 2022-04-25 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: IN

Complaint narrative:
Recently I did and investigation on my credit report which caused me XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct under 14 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that Under 15 U.S Code1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation and promptly notify the information that the information has been modified or deleted from the file of the consumer. If y are unable to provide me a copy of the verifiable information within 15 days after your investigation you must remove the accounts and the information listed below and they have not gotten back to me or removed the accounts

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 2022-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Remitly, Inc.
State: TX

Complaint narrative:
On XX/XX/2022 passed XXXX PM I received a text message saying. " Answer your phone, this is Remitly needing to verify a transaction that is posted on your account. '' I then answered my cellphone. The person on the other line gave me an instruction that a code will be texted to my phone and it is important for me to read it back to him in order to cancel the unauthorized transaction. And so I did. A minute later I received another phone call instructing me that another code will be sent to verify my E-mail address. This was when I realized that this was not a normal transaction with Remitly. I then contacted Remitly and informed their customer service. Next I checked my bank account that is link to my Remitly account. and I saw XXXX unauthorized withdrawals by Remitly within minutes I received that phone call. 
{$980.00}, {$980.00}, {$960.00}, {$960.00} that totaled to {$3900.00}. 
I contacted XXXX XXXX XXXX immediately not to release the money and reported the transactions as fraud. Since then I called and spoke to customer service of Remitly and XXXX XXXX XXXX several times. Remitly closed my account. I was instructed once that XXXX XXXX XXXX has to request the money for them to return the amount. I informed XXXX  XXXX XXXX by phone and letter but twice they closed my claim saying UNPAID. 
And since I did not have {$3900.00} in my account XXXX XXXX XXXX did an overdraft deposit from my credit card to pay the unauthorized transactions and charges me an interest on it. 
Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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 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

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 2022-04-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: VA

Complaint narrative:
We mortgaged the house in XXXX with XXXX XXXX XXXX XXXX. They sold our mortgage to Midland Mortgage Compnay same year. The issue is : When we bought the house in XXXX the initial loan amount was {$190000.00}. We have been paying for the house since XX/XX/XXXX. As of to date the balance that is indicated in the account is {$180000.00}. 
We did have two ( 2 ) modifications, the years are as follows : XXXX due to devorce, and XXXX due to loss of contract for the business. The amount that I was owing at this time of this modification was {$3000.00}. Since XXXX up to XXXX the mortgage amount {$1300.00} to XXXX was paid. Amount varies depends on the change brought by escrows, hence I mentioned {$1300.00} to {$1200.00}. Between XXXX and XXXX I was paying about plus or minus {$350.00} towards the loan principal. That is eight years ( 8 ). If I have to calculate {$350.00} XXXX XXXX a year, for eight years I would have paid {$33000.00} towards the principal. 

I questioned Midland mortgage about the high balance when I have been paying for 15 years. They told me that every time the loan was modify they add 10 years on the loan. Also, there are fees that are not justifiable. 

I also applied for modification during pandemic. I was told that the modification has been granted by they are waiting for deed confirmation to date. 

Also, they sent somebody to change the lockers at the house while I was gone overseas due to death in the family. The person they sent stole yard equipment that was stored in the shed. I notified Midland about the incident and I sent police report and the value. Names of the stolen items were attached to the police report.They told me they are investigating the situation. Since then I have never heard any thing from them. I have been calling them so may times about the issue, but I always get an answering machine and no one is returning my calls. 

In XXXX of XXXX, I sent a letter to Midland addressing my frustrations. They denied any wrong doing. They believe the loan balance and fees are correct. Also, they mentioned that in regards to personal property they do not have evidence to substantiate the allegations.

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 2022-04-25 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:
The credit Bureaus never did a proper " investigation '' according to FCRA. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on with whom he is acquainted or who may have knowledge concerning any such items of information.

they did not do such thing. 
Also, they have violated my rights even more in accordance with the fair credit reporting act everything has to be 100 % accurate on the credit report. 
the credit bureaus stated my account was property investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate an the date last reported is not accurate .this grounds for removal

Company response to consumer: Closed with explanation