vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-02 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: GA

Complaint narrative:
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete for Violation

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 2023-05-02 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: FL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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
Consumer complaint received 2023-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have tried numerous times to get them to prove the debt which they have not. I won't to see the signed copy of debt from original creditor. I want to see copies of the paperwork where you legally bought the said debt and it was transferred to you by law I am entitled to those things and have not received them. I have tried repeadly to get them to provide it and they havnt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: AL

Complaint narrative:
My name is XXXX XXXX XXXX, yet I have tried several times to have transunion to remove incorrect information. Transuion have my name as XXXX XXXX XXXX XXXX. 

Im not a XXXX, yet along a male. I have sent over my drivers license several times along with a bill to show proof. 

Please correct my information!

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 2023-05-02 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: MD

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

Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX has XXXX 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 2023-05-02 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: Experian Information Solutions Inc.
State: MD

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

Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXXXXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX  # XXXX has XXXX 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 2023-05-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX has reported an inaccurate balance from Bank of America on my credit report for the month of XX/XX/2023.

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 2023-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: First Technology Federal Credit Union
State: MA

Complaint narrative:
I have met all the account opening bonus requirements and waited 30 days for the below account opening bonus and I don't see the bonus posted yet for XXXX. I did open my checking account in XX/XX/2022, and made 6 total direct deposits of over XXXX each month per the term, 2 also i made a XXXX purchase in the first 30 days in super market. The term did say to open a checking account not a saving account, I have mentioned that to the bank service team, and the term did indicate it is for the checking account, and the bank is now denied my bonus and said my checking account is not qualified. I would like to request my account bonus as soon as possible. 

First Tech Federal Credit Union is offering a bonus of up to {$350.00} when you open a new checking account using the promo code XXXX Receive a {$200.00} bonus when you set up a direct deposit. Must be set up within 60 days of account opening and receive 3 recurring direct deposits within 120 days. 
Get 10 % of qualified purchases up to a combined total of {$150.00} ( {$50.00} maximum per category ). The three categories are : groceries, online streaming subscriptions, and food delivery.

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 2023-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On or about XX/XX/2010, we applied for a conventional refinance of an existing loan with Wells Fargo and received a loan disclosure statement which contained the terms and conditions of the refinance loan. 
Within the required three-day rescission period, we sent a written notice of rescission to Wells Fargo by overnight mail, requesting to cancel the refinance loan. This notice of rescission was delivered to Wells Fargo as confirmed by the United States Postal Service and the postmaster. 
Wells Fargo failed to honor our rescission request within the required twenty-day period. 
Instead, Wells Fargo instructed us to continue making payments on what we believed was the original loan, pending Wells Fargos response to the rescission request. 
We complied with these instructions and made payments on the what we believed was the original loan for approximately two years.

During this time, we repeatedly contacted us Wells Fargo by phone and by mail, demanding a reply to the rescission request and an explanation of the status of the loan. We never received a response.

Upon advice of one of Wells Fargos mortgage specialists, we stopped making payments on the original loan, as a prerequisite for applying for a loan modification. 
Unbeknownst to us, the original loan had been extinguished by the new unapproved loan. This was not a conventional loan it was a modified loan. 
We agreed to a loan modification document with a trial payment plan, which required three monthly payments, but unbeknownst to us this process was not even possible because a modified loan could not be modified again so these trial payments were merely illegal debt collection tactics.

We made two payments under the trial plan but stopped making payments when Wells Fargo refused to provide any details of the new loan or confirm that Plaintiff qualified for a permanent modification.

In at least three instances Wells Fargo informed us through the XXXX Mail that we were never qualified for a loan modification because the conventional loan we thought we were getting was actually a XXXX  loan, ( therefore non convention and already considered a modified loan ). This was NEVER disclosed. 
Wells Fargo never recognized or acknowledged the rescission request or refunded any of the payments that we made on the new loan.

As a result of Wells Fargos actions and omissions, we have suffered actual damages, including but not limited to : negative impact on credit score ; physical health, emotional distress ; and attorney 's fees and costs.

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 2023-05-02 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: CITIBANK, N.A.
State: OK

Complaint narrative:
I applied for a CITY advantage card. Because if its design, tiny letters and numbers I could not activate it nor use the Card. I disguised this wit CITY bank and asked for an XXXX compliant card, and thy sent me a card I could not use. 

Thus I cancelled the City Bank card, without using it. 

I can not contact City Bank because I have no active City Bank accounts, no check book only XXXX credit and debit cards. 

CITY Bank are billing me fees for a card I can not use, and compounding the interest on the card, Which even if I wanted to pay, I have no method paying, and no method to contact City Bank to resolve this issue.

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 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: ID Analytics, Inc.
State: MN

Complaint narrative:
I want Sage Stream to mail me a full and complete copy of my Sage Stream Consumer Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX has reported an inaccurate balance from Bank of America on your credit report for the month of XX/XX/2023.

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 2023-05-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello! : - ) The FAIR CREDIT REPORTING ACT didn't give Experian enough incentive to correct and provide the accurate score. The score indicating XXXX after approximately 17 hard inquiries and a ( n ) XXXX XXXX collection deleted. I want the accurate score to be indicated, cards and all. XXXX : XX/XX/1977, XXXX. Address : XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX. 
XXXX. 
Sincerely, 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 2023-05-02 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: AL

Complaint narrative:
The inquiry made is not an inquiry made by me. Please have inquiry moved from credit reporting XXXX XXXX  - inquiry date : XX/XX/XXXX XXXX XXXX- inquiry date : XX/XX/XXXX XXXX XXXX - inquiry date XX/XX/XXXX XXXX- inquiry Date XX/XX/XXXX Transuion please remove inquiries from credit report. I sent over a letter and still nothing has been done

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 2023-05-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: GOLDEN 1 CREDIT UNION, THE
State: AL

Complaint narrative:
I have had an account with Golden 1 Credit Union for almost 30 years and was able to continue with the account when I relocated to my home state of Alabama. I have an ATM ( only ) card which is tied into my savings account. I do not have a debit card due to the fact that privilege was taken away back in XXXX when I had an issue with my checking account. I always receive a new ATM card via mail upon expiration of the old one. I had not used my ATM card since XX/XX/XXXX due to to the pandemic and attempted to use it on XX/XX/XXXX when I discovered I could not remember my pin number. I called Golden 1 Credit Union in an attempt to recover my pin number, but discovered that the ATM card had expired XX/XX/XXXX, so I needed a new ATM card and could not remember if I had received a renewed one.Instead of the telephone teller stating that a new ATM card will be mailed out immediately, she copped an attitude and stated that I needed to apply for another one. I immediately quipped that was not the proper procedure for an ATM card, perhaps a debit card which I do not have. She demanded I apply for a new card which was very odd because I had never encountered this problem with my ATM card ever!! It arrives in the mail like clockwork when the old one has expired. She refused my request for a supervisor and demanded information for an application. I complied because I know I have a XXXX credit score and excellent credit and she stated it would be a soft pull. She immediately comes back to the phone and states " you're not qualified. '' Not qualified for what I replied. I then remembered that there is a freeze on my credit report and wandered how she pulled the credit. I received the denial letter today, XX/XX/XXXX, and refers to XXXX XXXX which I am assuming goes back to XXXX when I had a problem. I have never done a credit pull in the past for the renewal of my ATM card. I hung up the call and called back and demanded a supervisor. The supervisor investigated the situation and was perplexed and stated " there is absolutely no reason why you should be denied an ATM card '' and that she would send one out immediately. The bogus denial letter is attached.

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 2023-05-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: GA

Complaint narrative:
I received a letter from Hunter Warfield stating that I owed them a debt. They sent me a statement with an account number with a balance amount that included interest. I requested verification of this debt and requested addition information from them as proof that I owe them this debt. This letter was dated XX/XX/2023 and sent by certified mail. The response received only included a copy of a signed rent contract. The contract was reviewed, and it did not include any agreement to pay interest on debt. Another certified letter was sent to Hunter Warfield questioning the reason for the interest since it was never agreed upon in the signed contract. They did not provide any validation for the interest charge and refuse to remove it from the requested debt amount. I am also not sure if they legally own this debt, or if they are authorized to collect in my state because they never provided me with this information that I previously requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Williams & Fudge, Inc
State: LA

Complaint narrative:
In XXXX XXXX, I received a letter from XXXX XXXX XXXX XXXX, that they were going to waive my prior debt, in order for me to continue school. As prior, I had to leave school, due to personal tragedy in my household. 
I was told the debt would be waived, in time for me to register for classes in XXXX. However, the debt was not cleared by that time. The classes I registered for, were dropped due to the debt still remaining. After contacting my Advisor of the issue, she assured me that, I would be able to start classes in XXXX, instead. In late XXXX, the debt was still not cleared. I did not plan to attend classes, in XXXX as promised by my advisor, because the debt still had not been cleared. I planned to start in XXXX instead. 
Suprisingly, after about a week into the new class semester, I received an email, stating that I was behind on assignments. I was in shock. I had not idea that I was registered. My advisor had not followed up with me, to verify that I was still prepared to take classes, at that time. Unfortunately, I was not, as my word load, at my full-time time had, grown. 

However, having dealt with XXXXXXXX XXXX XXXX and having dropped classes, before, ( reason for my prior debt ) I know that the school still holds the student responsible for the costs of those classes. I tried my best to complete the work, though being a week behind in assignments. Eventually, I had to withdraw, it was too much to catchup on. Though I felt it was not my fault. I received federal student loans and grants, to pay for classes. The school says that I am responsible for classes that were already paid for, by me, via student loans. 

After speaking with someone from the collection department, at the school. I was told that I could dispute the debt. IHe told me that he would email a dispute form. I never received the dispute form. 

Here, we are on XX/XX/2023, and I receive a notification that the debt was added to my XXXX credit report, on XXXX XXXX. I received no other communication from the school. I didn't receive the email with the dispute letter, not did I receive a letter stating that there was a possibility, it was going to collections. The school has my updated information, yet I received nothing in the mail, giving me t the ability to respond. The debt was sent straight to reporting at the bureau. Which is against my rights.

Company response to consumer: Closed with explanation