vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-15 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: GA

Complaint narrative:
A notice was sent several times to Transunion, XXXX, XXXX. I humbly requested Transunion, XXXX, XXXX to send me valid proof of bankruptcy and other accounts that they claim that they verified dated XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. I advised them that this was not a dispute, this was a consumer permissible request. I do not dispute accounts. I give proper directions and permissible requests for Transunion, XXXX, XXXX to act as an agent and correct misleading information. 

This notice was not a request for verification of the account or proof of my mailing address but a request for VALIDATION made pursuant to the FCRA and FDCPA laws. 

Further, any correspondence must be made in the form of a commercial affidavit under penalty of perjury and sent by certified mail. Any other form of service shall be deemed defective upon its face. 

I understand Transunion, XXXX, XXXX are not a bureaus nor is the agencies backed by any government agency. I am aware that Transunion, XXXX, XXXX are in fact a consumer reporting agency that has assumed, not given, a vital role in assembling and evaluating consumer credit and other information on consumers. 

Under these circumstances, I am aware of pursuant to the FDCPA & 15 U.S. Code 1681b - Permissible purposes of consumer reports. As Third party agencies, Transunion, XXXX, XXXX must comply with my written instructions. I have given Transunion, XXXX, XXXX written instructions to REMOVE multiple fraudulent and misinformed Tradelines from my consumer report. 

Transunion, XXXX, XXXX has continued to update my report with no proof of proper verification. Also that accounts are exactly the same! I will be contacting the Attorney General in regards to the matter as well. There is no way a proper investigation was done to receive these fraudulent misinformed results! 

- XXXX  XXXX  / XXXX XXXXXXXX - XXXX XXXX / Account # XXXX - XXXX XXXX XXXX XXXX / Account # XXXX - XXXX XXXX XXXX  XXXX Account # XXXX - XXXX XXXX XXXX XXXX Account # XXXX - XXXX XXXX Account # XXXX - XXXX XXXX / Account # XXXX XXXX XXXX XXXX XXXX / Account # XXXX XXXX XXXX XXXX XXXXc / Account # 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 2022-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Hayt Hayt & Landau, P.L. (FL)
State: GA

Complaint narrative:
I HAVE NEW INFORMATION. On XX/XX/2022, I notified HAYT, HAYT, and Landau, P.L. to cease communication with me and to only notify me the ( consumer ) that they have terminated further efforts or invoked specified remedy. I also demanded that they validate this debt pursuant to the FDCPA. They have not complied ; they have continued attempts to collect this alleged debt without providing validation of the debt. on XX/XX/2022 I received statements, I notified HAYT, HAYT, and Landau, P.L. that a " statement '' is not an " invoice ''. HAYT, HAYT, and Landau, P. L 's non-compliance has violated my federally protected right to assess and validate the debt FYI ( The 139 paged statement file is too large to attach to the complaint as supporting documents ).

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 2022-02-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX, I filed a dispute for the inaccuracy of this account and submitted it to Experian and the company itself, but no one has responded. On XX/XX/XXXX, I filed a Validation of Debt to Experian but still no response coming from them and refused to remove the inaccuracy from my credit report. The account was last updated in the sum of {$8800.00} on XX/XX/XXXX, which is incorrect.

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 2022-02-15 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: Convergent Resources, Inc.
State: MN

Complaint narrative:
On XX/XX/XXXX a letter was sent to Convergent Outsourcing to verify a debt report to the credit bureau. On XX/XX/XXXX a letter response was received from Convergent Outsourcing claiming the debt was validated and attached was bill. 
On XX/XX/XXXX, I replied back to Convergent Outsourcing that as per FTC opinion letter from attorney XXXX XXXX XXXX, A print out of a bill or itemized document does not constitute verification. 
After more than 30 days there was no response. 
On XX/XX/XXXX, I sent a letter to convergent outsourcing a notice of their violation of Fair Credit Reporting Act 623 ( a ) ( 3 ) by not responding within 30 days of receiving my dispute.

At this time I have exhausted all of my good will attempts and will be seeking a minimum of {$1000.00} in damages per violation for Defamation, Neglect of Fair Debt Collection Practices Act ( including but not limited to section 807-8 )

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 2022-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I have received by mail a XXXX from Wells Fargo stating cancellation of a {$1200.00} debt from an " overdraft deposit account ''. This debt is not mine, and Wells Fargo is unable to provide validation of the debt. 

The account number listed on the debt forgiveness matches with a checking account closed on XX/XX/XXXX. This account was closed in person at the XXXX CT branch office and remaining balance issued to me in the form of a cashier 's check. Overdraft protection was XXXX before the closure of the account. The account was not re-opened and has remained closed since the date of closure. 

In the proceeding 5 years post account closure, Wells Fargo did not attempt to notify me of debt, nor attempt to collect on said debt. The first notice of debt was the XXXX cancellation. This debt does not appear on any credit report, nor does it appear in a XXXX report. 

On XX/XX/XXXX I contacted Wells Fargo via phone for an explanation. The agent was unable to view my account info as the account was closed more than 2 years prior. I was transferred to the Wells Fargo collections department and informed solely that the debt exists in their system and that is was forgiven. When asked to prove validity, the agent was unable to provide validation as the debt was more than 2 years old and had been forgiven. I was prompted to follow up in a physical branch. 

On XX/XX/XXXX I visited the XXXX CT branch to receive information on the debt. The banker was able to lookup the closed account and print a copy of the final account statement. He was unable to see information about the debt nor validate the debt. 

I have attached a copy of the XXXX from Wells Fargo XXXX as well as my last account statement including the date of account closure. 

Per the final account statement. 
- Note the ending balance of {$0.00} on XX/XX/XXXX ( at time of account closure ) - Note the account option indicating " Overdraft Protection '' is not enabled - Note the benefits section stating " This account is not currently covered by Overdraft Protection. '' - Note the FAQ stating " You can close your account at any time if the account is in good standing ( e.g. does not have a negative balance... ) ''. The account was closed successfully with {$0.00} balance. 
- Note the FAQ stating " After 30 days, if your account balance does not reach zero, your account will be returned to active status and subject to all applicable fees ''. The account was not returned active and has been marked closed since XX/XX/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 2022-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY

Complaint narrative:
I have worked months with Community Loan Servicing to get my Loan modification agreement, I had told them that my loan is being transferred to XXXX XXXX XXXX and I need to get it done before its being transferred so I should not have issues with the new servicer but they kept telling me that the new servicer will have to honor it, I finally got the Loan modification agreement docs on XX/XX/XXXX, I have sent it back on XX/XX/XXXX and Community Loan Servicing had executed it later, the loan was transferred on the XXXX of XX/XX/XXXX and they have not provided the Loan modification agreement information to new servicer which is XXXX XXXX XXXX the new servicer are still waiting for them to give them the information so they can update their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: TN

Complaint narrative:
After viewing my most recent credit report, I noticed unauthorized inquiries. I have never give consent for these company to pull my credit report :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : 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 2022-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not consent to, authorize nor benefit from the following inquiries : XXXX. XXXX XX/XX/2021 XXXX. XXXX XXXX XXXX  XX/XX/2021 XXXX. XXXX XXXX XXXX XX/XX/2021

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 2022-02-15 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/2022 there was a {$6000.00} XXXX  transaction made using my Capital One credit card for a total charge of {$6100.00} I got a text from XXXX asking if i authorize this transaction and i replied no. I then immediately called capital one and closed the card number that was used and informed them of this charge, since capital one authorized the charge even though it was for more than my limit on the card. 

When i contacted capital one of the charge it was still pending and had not been processed yet. Capital one still allowed the charge to go through. Then they said thus was an authorized transaction and i was responsible because i had previously sent money by XXXX. 

I don't understand why capital one couldn't have just cancelled the transaction while it was pending instead of letting it process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: CA

Complaint narrative:
I settled the account with XXXX back on XX/XX/2021. PAID {$670.00} The agency gave my rep this Confirmation number # XXXX. They promised when I paid the {$670.00} they would fully remove the collection off my credit report. As you can see they did remove it from Trans Union however it is still reporting to XXXX and 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 2022-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I already sent a creditor letter and debt validation letter for the account listed under my name which is giving a bad impact on my credit report. I disputed it for lack of accuracy for the item added to my account. The account was last updated in the sum of {$540.00} on XX/XX/2021.

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 2022-02-15 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : 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 2022-02-15 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: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
Merchants and Medical has placed XXXX medical billson my credit report and I have asked them several times for validation of these debts toshow that they have my permission to have my personal medical information which they sent me a detailed statement which is violating the Hippa Law

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: R.M. Galicia, Inc.
State: CA

Complaint narrative:
I settled the account with Progressive Management back on XX/XX/2021. PAID {$1000.00} The agency gave my rep this Confirmation number # XXXX Payment Confirmation- XXXX # XXXX. They promised when I paid the {$1000.00} they would fully remove the collection off my credit report. As you can see they did remove it from XXXX XXXX however it is still reporting to XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: TX

Complaint narrative:
I did not consent to, authorize nor benefit from the following inquiries : XXXX. XXXX XX/XX/2021 XXXX. XXXX XXXX XX/XX/2021 XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021

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 2022-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST CITIZENS BANCSHARES, INC.
State: SC

Complaint narrative:
On XX/XX/XXXX I left to go out of town in a haste to take care of a widow friend of mine who recently lost her husband then I traveled more to go help a single mom prepare for XXXX. Before, I left I attached my XXXX debit card to my XXXX XXXXXXXX XXXXXXXX XXXX card as preferred method of payment. I did this because I knew that I did not have the funds to cover my trip in XXXX XXXX and did not have time to transfer money. On my trip I got a phone call that I needed to drive back to South Carolina and pick up my cousin from the airport on XXXX day so that we could go see my grandmother who was dying one last time..so I rushed home on XXXX XXXX and left early the next morning to go see my grandmother who passed a few days later. I did not have time to sit down at my computer nor did I see any notifications on my phone. When I did finally get home after my car broke down, which took a few more days to get fixed I saw on line that XXXX XXXX had charged me 12 Insufficient Fund fees and 5 over draft fees. So, I called XXXX to see why? And they told me that when you use your XXXX debit card it charges the BANK that is hooked to the account not the BANK card. So, I payed XXXX the XXXX I owed them. And went to my bank on XX/XX/XXXX to explain why this all happened and hoping they would have understanding especially with all things considered.. and showed them proof of the payment to XXXX. However, they were only willing to credit me XXXX out of XXXX in insufficient fees and overdraft fees. 
Despite the hard times Covid 19 brought into my life.. I managed to open two businesses and have been working very hard to manage everything and with the claims that First Citizens helps low to moderate income communities and that I have been a customer for years I was shocked that they did not help me any more than they did. I had one child support check come in XXXX that was applied and with the credit XXXX I still owe them XXXX It has been very hard and this has made it even more difficult. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Bank was contacted XX/XX/XXXX I do not know the name of the person I spoke with, but it took over a week to get a response, that they would only help me with three charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: TN

Complaint narrative:
After viewing my most recent credit report, I noticed unauthorized inquiries. I have never give consent for these company to pull 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 2022-02-15 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: TN

Complaint narrative:
I recently sent you a request to reinvestigate the information that I previously disputed. I do not allow e-Oscar or any automated method of verification, It is unacceptable and I am getting upset. If the information is not immediately reinvestigated and removed and If you continue with your willful noncompliance with the law under Fair Credit Reporting Act, I reserve the rights to file a law suit against your company or any company you represent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: Birchwood Credit Services, Inc.
State: FL

Complaint narrative:
Bureau : XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: OR

Complaint narrative:
I received a letter in the mail on XX/XX/2022 made out to my maiden name ( I've been married for 11 years ). It was for a debt from XXXX for {$540.00}. This is not my debt, I do not owe anyone any money. The company is called American Coradius International LLC. If you look them up online you can see a long list of other people posting that this is a scam and that they were sent a fake debt bill about XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I went into XXXX XXXXt today to buy a washer and dryer with my credit card from XXXX XXXX. 
When I doubled checked my credit limit it was {$700.00} and balance was {$530.00} but when I was first approved I had a credit limit of {$7000.00}. They lowered my line of credit with out informing me and that threw my debt to credit ratio out of whack and caused damage to my credit report. 
Because my balance was a little over {$500.00}. 
I called them to get a explanation and the agent just transfered me to a robo call with XXXX. But she confirmed they did in fact lower my line of credit.

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