vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-05 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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction.

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 2022-12-05 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: Comerica
State: PA

Complaint narrative:
My atm/XXXX  was in my possession was not lost or stolen and US Direct Express Debit Master card issued by Comerica Bank XXXX Notified them on XX/XX/2022 of unauthorized electronic transfers from my account. I did not notice the money was missing until I tried to make a ATM withdrawal on that day. Direct Express said they would send me a new card and paperwork to fill out within 10 days and be provided a provincial credit if I returned the forms within the 10days. I did not receive the paperwork to fill out for the fraudulent activity until XX/XX/2022 which was 15-days and went to fax the documents to XXXX  on XX/XX/2022 but it would not go through and was going to cost me {$31.00}. I called XXXX  and they said I could email the documents, ( I asked if the documents could be emailed to me to fill out on XX/XX/2022, but they can not email me, I can only email them ). I sent all the documents they requested back to them on on XX/XX/2022. I called to find the status of my claim 10 days, 20 days and was told it was still under investigation. Needless to say I was never given the provincial credit nor was the amount on the initial documents for around {$600.00} less than the actual fraud on my account. Before I received a answer on my claim XXXX  sent me their brochure stating they were required to send me one every year, which I never received until now. My claim was denied via mail with out explanation 45 days after I filed. I disputed the decision and was told it would take 48 hours to get the answer. On XX/XX/2022 I was told my claim was still denied. I am a representee of a XXXX XXXX  child, and he lives on a very limited amount of money ( {$560.00} a month ). Direct Express allows someone to steal over {$800.00} out of his account which is in my name via XXXX XXXX  in the increments of {$2.00}, {$4.00}, {$9.00}. One would think if I have never paid a XXXX XXXX anything let alone spend every cent in my account this is fraud. This is not the first time Direct Express has allow a unknown entity without my card to steal money from me, it was not with XXXX XXXX  but XXXX XXXX last year. I can not see how when a person steals money from Direct Express via my account they hold me accountable. They actually let some one steal money from them, I should not be held accountable if they have a security breach.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have repeatedly tried to unlock my XXXX Report from the fraud alert that was placed on my credit profiles without my prior written consent to do so and it is currently hindering me from being able to qualify for the purchase of my home. This is causing great stress and frustration to myself and y family. I have called multiple times and mailed several letters but the problem still exists.

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 2022-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have repeatedly tried to unlock my XXXX Report from the fraud alert that was placed on my credit profiles without my prior written consent to do so and it is currently hindering me from being able to qualify for the purchase of my home. This is causing great stress and frustration to myself and y family. I have called multiple times and mailed several letters but the problem still exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have several charge offs on my credit this is effecting my score ... since a charge off is she as income it shouldn't be on my consumer credit account.. I had also paid a company to consolidate and make payments to each of these accounts as of today XX/XX/2022 they are still on my account and appearing as tho I have not paid anything on them.. please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Hello I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX so sometimes the XXXX payment comes on days I don't expect because it takes 3-5 business days to deposit. My schools first bank account was over drafted many times and they have given me 12 fees re-imbursed but now when I ask for the fees reimbursed they said they already reimbursed more than 12 fees and I have exhausted all help when it comes to this. I heard Biden say he made these fees illegal referring to them as junk fees. Please help I try to be a servant of all and this is how i'm treated no mercy from a XXXX dollar bank they need my money. It's written how you treat the least among you is how you would've treated XXXX. Please investigate Schoolsfirst XXXX for their blatant thievery and greed of taking from the least financially inclined individuals.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
On ( or about ) XX/XX/2022, a hacker gained access to my PayPal account and made over XXXX unauthorized transactions. As of XXXX, PayPal is currently limiting the fraudulent accounts and deleting the fake invoices, but I still have a negative balance in my PayPal account for {$4200.00} that was paid to a hacker or to someone who's account was compromised by the hacker.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-05 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
Reference Complaint # XXXX Notice -failure to comply with Validation Affidavit -15 USC 1681 Sec 604 a -15 USC 1681 C ( a ) ( 5 ) -Acct status incorrectly reporting open -no deficiency was reported -lender failed to communicate personal items and process on return.

-failure to communicate sale of vehicle -breach of peace from gated community Fee schedule is attached for appropriate collection of fees violated. 
Remit payment XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2022-12-05 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: WV

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. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602A states I have the right to privacy,

15 U.S.C. 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish an 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 privacy and confidentiality under 15 USC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: WV

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. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C. 1681 section 602A states I have the right to privacy, 15 U.S.C. 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish an 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 privacy and confidentiality under 15 USC

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 2022-12-05 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: WV

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-12-05 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: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX XXXX and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXXXXXX XXXX as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05 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: LA

Complaint narrative:
I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

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 2022-12-05 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I opened XXXX checking accounts with Capital One for the purpose of helping manage my business expenses and receive some customer payments through XXXX. After roughly 2 days of receiving no more than XXXX payments through XXXX, my account was frozen, and I was prompted to call the Capital One service line. The representative was very friendly and advised me to no longer continue using XXXX as the account I opened was a personal account and not a business account. She even supplied me with resources to help me in opening a new business account. She was however able to unfreeze my account and told me I should have no other issues so long as I dont use XXXX. I needed her advice and went on my way to research a business account with capital on, and I completely suspended all customer payments through XXXX. XXXX days later My account gets frozen AGAIN, only this time the representative I got in touch with said my account was frozen for undisclosed reasons and my funds would be on hold for an indefinite period of time. Since then, I have received nothing but the run around from every Capital One employee I attempt to connect with. My funds have been on hold now for nearly 2 months and it put a serious strain on my financial situation at the time. What Capital One is doing is unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-05 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: FL

Complaint narrative:
XXXX XXXX is still being reported as an incorrect balance of {$700.00} on all my credit reports. The balance is {$5.00} I have documents attached showing proof of the correct balance. All 3 credit bureus has still not updated the balance in there system.

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 2022-12-05 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: FL

Complaint narrative:
XXXX XXXX is still being reported as an incorrect balance of {$700.00} on all my credit reports. The balance is {$5.00} I have documents attached showing proof of the correct balance. All 3 credit bureus has still not updated the balance in there system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: NC

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-05 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: NC

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
In or around XX/XX/XXXX, I received notice from the National Credit Systems , Inc, that I owed a debt to Ascent at XXXX XXXX in the amount of {$1200.00}. I repeatedly made attempts to contact management about a notice that was left on my door, in which I told them I didn't understand, in which the notice was about resigning my lease, but they never answered the phone, nor were they in the office, which is around when Covid hit. On my lease it states that i should have given a 60 day notice, in which I linked up with management at and was allowed by XXXX XXXX, to give a 30 day notice. XXXX XXXX gave me a notice to vacate, she crossed out the 60 day part, and wrote 30 day notice, she also filled in the rest of the form and wrote, As of XX/XX/XXXX XXXX XXXX does not owe any more money to XXXX of XXXX, my lease was due to expire on XX/XX/XXXX. As they feel like the lease is a signed contract, I feel like the notice to vacate is a signed legal document also. XXXX XXXX chose to void the contract, and now wants to hold me accountable over a year later. I moved, and placed these apts as my previous residence, because I knew I left in good standing. They are trying to charge me for damages without proof, cleaning fee, in which I cleaned unit myself, and a lease termination. Had XXXX XXXX not agreed to honor the 30 day notice, I would simply have stayed in the unit and allowed myself time to present a 60 day notice, or I could have signed on to lease from month to month. XXXX XXXX refused to walk the unit the day of signing the notice to vacate, again because of covid, now they wan na come with made up charges. I have XXXX XXXX XXXX of XXXX XXXX XXXX for oven 15 years, I am not a nasty person. I cleaned that unit because I knew I wanted my deposit returned. I can also prove through their work order system, that the only damages to that unit, was because negligence on the maintenance staff, in which due to repeated flooding inside the wall and under the sink, the bottom of the cabinet collasped, and was full of mold. A square was cut out in the wall to access the leak, and was never repaired the entire time I lived in the unit. I feel as though, if I owed and money, it should have been noted in the Notice To Vacate, not when my new apartments contact you, when Im trying to move over a year later.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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