vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Per 15 USC 1681, credit transactionS should not be included on a credit report THIS IS BY LAW A VIOLATION XXXX XXXX AND XXXXXXXX XXXX  AND XXXX XXXX HAVE PUT LATE PAYMENTS ON MY CREDIT REPORT WHICH IS ILLEGAL. 

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 complete your investigation aligned with 15 USC 1681 ( a ) ( e ) guidelines as Congress states.

15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer. I HAVE BEEN HARASSED BY BOTH OF THEM.

So i'm going to keep this simple. 

THESE ARE TO BE REMOVED IMMEDIATELY FROM XXXX XXXX AND XXXX AND XXXX XXXX OR YOU CAN LET THEM KNOW IM COMING AFTER THEM IN COURT FOR LOTS OF MONEY PLUS THE {$1000.00} FINE PER VIOLATION. 

I WILL ALSO MAKE AN ADDITIONAL REPORT ABOVE THE ATTORNEY GENERAL

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 2022-11-10 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: AMERICAN EXPRESS COMPANY
State: NM

Complaint narrative:
I am demanding that all the INQUIRES listed are removed from my consumer report. I did not give any consent to these companies to pull from my report. This is fraud and a violation, in pursuant to 15 USC 1681s-2, a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I demand that inquiries are immediately removed upon receiving this complaint. If they are not removed within 14 days I will take further legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
I am demanding that all the INQUIRES listed are removed from my consumer report. I did not give any consent to these companies to pull from my report. This is fraud and a violation, in pursuant to 15 USC 1681s-2, a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I demand that inquiries are immediately removed upon receiving this complaint. If they are not removed within 14 days I will take further legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-10 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:
I am a victim of identity theft and the fraud account it is ruining me and my families lives. I have sent over multiple documents including a FTC report showing and stating that this is FRAUD with all forms of my ID which was ask for to verify that its me. I will be reattaching the information again. I have did my research and according to the law any Fraud accounts must be blocked and remove within 4 business days. How much longer must I suffer with this account its not mine and I shouldn't be penalize for it. I know you wouldn't want to suffer with a Fraud account as well. Do the right thing and help me get justice my family is depending on it to buy our house.

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 2022-11-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I refinanced my mortgage in XXXX of XXXX, and part of that was paying off and closing my HELOC with Citizens bank NA. Citizens reported to my credit bureau the account was satisfied and closed on XX/XX/XXXX. 

In the beginning of XX/XX/XXXX I applied for a new HELOC with XXXX XXXX During the process they noticed that Citizens Bank was still listed as a lienholder on my house title, and told me I had to have them removed to proceed with my HELOC. 

I contacted Citizens Bank on XX/XX/XXXX to find out what was going on with this closed account. The account was never closed. They advised me to pay a {$80.00} discharge fee, which I paid over the phone and that it would be 10 business days to process the closure of the account and removing their name off the title as a lienholder. 

I followed up with Citizens Bank on XX/XX/XXXX to find out where they were at. I was informed that the process had not started and that they would start the process. They told me that I would have to wait an additional 7 business days for the loan to be closed and to remove their name as a lienholder. 

I called today on XX/XX/XXXX to find out where the letter of satisfaction was for this loan. I was informed that they still have not started the process and that it was take another 7 business days. The issue is now XXXX thinks I'm pulling their chain and they are going to close my loan application because i have not provided proper documentation of the HELOC being closed at Citizens Bank. If they close it I am going to have to reapply and be subject to an increased interest rate because it has changed since XXXX and not for the better. 

I don't know what to do at this point and need someone to investigate why they are refusing to help me. I feel like I'm being defrauded by Citizens Bank and they are forcing me into a situation where I will have to pay more for my loan elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: PA

Complaint narrative:
TransUnion : most recent certified letter of several is XX/XX/2022, and XX/XX/2022. 
They failed repeatedly to respond within 30 days. This means by law what I contest must be removed. 

All my life I have lived at XXXX XXXX XXXX, XXXX, PA XXXX All my life my phone number has been XXXX I've never worked at XXXX XXXX. Look it up. It's not a real company. 
NONE OF THE DEBT MATCHES XXXX, PA or MY PHONE NUMBER or MY EMAIL. 
Yet they repeatedly fail to update my information and insist I am someone in California delinquent on debt. I HAVE NEVER LIVED IN CALIFORNIA. I am the victim of identity theft. 

The follow XXXX XXXX XXXX debt are not mine XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Yet they don't respond in 30 days, which is illegal, tell me they " verified '' the information, which is also not true, as I opted out every known data base they use. Or they pretend they can't understand what I wrote them. WHAT PART OF THIS IS NOT MY DEBT, I AM NOT THAT PERSON IN CALIFORNIA, AND BY LAW YOU MUST RESPOND IN 30 DAYS ARE THEY NOT UNDERSTANDING?

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 2022-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, {$2500.00} was fraudulently transferred from my son 's XXXX Bank Account to my wife 's XXXX Bank account - and then XXXX amounts totaling {$1000.00} were fraudulently transferred by Zelle to XXXX XXXX ( XXXX ) XXXX with payment ID XXXX and XXXX. I immediately contacted XXXX bank that day to dispute the charges. I was told that I could not dispute them until they posted to the account - and to call back once they posted. They came out of pending status and I contacted XXXX Bank again and filed the dispute. The claim number is XXXX. 

On XX/XX/XXXX, I was told by a member of the Dispute Team, named XXXX, that my fraudulent charge claim was denied because they show that I replied to a text about the charges with an authentication code. According to XXXX, this charge would not have been allowed to go through unless I responded to the text message with the authentication code. According to XXXX, this code was sent to my phone number ending in XXXX and was responded to at XXXX. I maintain that I received no such code and that the transaction was never authorized. I can provide proof of this through my test message listing through XXXX and screen shots from my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
DEBT IS NOT MINE. IM A VICTIM OF IDENTITY THEFT. COMPANY IS AWARE OF THIS MATTER, BUT CONTINUE TO REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: IN

Complaint narrative:
I sold a house in XXXX of XXXX. I was current at the time of closing and was never aware of any missed payments or late payments. It is reporting 120 day late payments every single month for the past 2 years on that local. I have called the company XXXX XXXX XXXX every single month for the past year to inquire about these errors on my report and they can not supply me with any information. They can not find me in the system as ever having an account. This is preventing me from purchasing a house and is damaging and unfair. I have disputed this in XXXX of XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX of XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX of XXXX. They are still refusing to remove this from my report but yet can not supply me with that this debt ever existed.

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 2022-11-10 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have tried numerous times to have this fixed directly to XXXX and thru CFPB. I'm going to try one more time and provide a lot of documentation along with this complaint. LVNV account number XXXX is reporting twice on my XXXX credit report. No one is reading my complaint. I know this because every response I am getting back validates the accuracy of the account. Accuracy IS NOT MY COMPLAINT!! posting it twice on my credit file is my complaint. I even received and response from LVNV directly that only addressed the accuracy of the submission. Not the fact it is on the file twice!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Saint Services LLC
State: FL

Complaint narrative:
I have been desperately trying to correct my credit report after XXXX Bank and XXXX XXXX made entirely false reports of missed payments on accounts that were never late. The Credit Bureaus have illegally neglected to follow the law. In distress, I signed up for Credit Saint. Their offer was to refund the fee if the issues are not resolved within 90 days. They scammed me for money from me and have not addressed the false reporting from XXXX and XXXX XXXX. My XXXX  XXXX XXXX credit card has flagged them as fraud. I can not believe how injust this entire situation has become.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX ) XXXX Chase Bank, I am writing to request an investigation into several concerns. 

1. I opened this account as a secondary debit/checking account. I am concerned that I am being charged a monthly fee, despite meeting the requirements for a free account. I had to pause work direct deposits for my second part-time job, because I am dealing with some issues of identity fraud. First of which involves inquiries made for a Chase credit card that I did not make. 
2. I was charged an overdraft fee when I called Chase and confirmed that by depositing the cash to cover the fee that I would not be charged. 
3. My roommate has been sending her rent to this account on XXXX, so that I keep the minimum deposit requirements. Please refund the monthly fee and explain why this was charged. 

XXXX regards, XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-10 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: PA

Complaint narrative:
( DISPUTE CODE-103 ) My personal information was stolen in XXXX since then I've been seeing a lot of unauthorized inquires. I've attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple Inquiries have been found on my credit report please investigate and remove all inaccurate inquiries i have listed immediately. the following includes : XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : 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 non-monetary relief
Consumer complaint received 2022-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: IL

Complaint narrative:
ATM Machine took my money and did not provide a receipt nor was it deposited into my account, ATM machine has now been removed. See additional information below. I think I put the entire description in the wrong slot.

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 2022-11-10 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: RI

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 Account # : XXXX, XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
In XX/XX/2022 through a promotional offer, I accepted and applied for a VISA card at Wells Fargo Bank XXXX. This application led to an inquiry logged on my XXXX credit file, this resulted in my XXXX XXXX moving down from XXXX XXXX. 
I received an email from Wells Fargo giving me a reference number, XXXX, stating I should receive a card in 7 days or a reason for not granting me credit. 
Received a letter XXXX XXXX weeks later dated XXXX XXXX XXXX Wells Fargo stating that identity can't be verified, with same reference number and an XXXX # to call. 
I called the XXXX number and a XXXX said send a Government ID, and proof of residence to XXXX. This representative from Wells was talking to another person as we were disconnecting and stated that she was telling some old man to send documents and saying he thinks he is going to get a card, laughing as disconnection finished. That same day I faxed my USA Passport, my XXXX utility bill and my XXXX cable bill. The faxed was confirmed received by Wells Fargo XXXX. 

Again I faxed the same XXXX # on XXXX XX/XX/2022 asking about my application and requesting an answer, yes or no. To this day, XXXX XX/XX/2022 I have heard nothing from Wells Fargo, and I believe this is a overt act of discrimination as well as disparate treatment of a senior citizen. 
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 2022-11-10 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio Recovery has continued to report an account on my credit file without verifying with me if the account is mine. This reporting has caused me tremendous stress and resulted in denials of credit. I demand to see a contract that I have signed with Portfolio that proves I have a legal obligation to pay them anything. I also want to see proof of their agreement with XXXX XXXX that gave them authority to obtain my personal contact information and allege I owe a debt to them. I have never done business with Portfolio Recovery and according to federal law, they were to notify me that they were placing this negative information on my credit report 10 days before doing so, and they did not. They also can not provide proof that they have. This company has called and harrassed me constantly. I never gave Portfolio Recovery permission to report to provide any credit reporting agency ANY information about me, especially any negative information. In addition to reporting the negative info, they are reporting different info to each agency. No dispute was EVER resolved with me contrary to this lie Portfolio has communicated. There has been NO activity on this alleged account so how are there any recent reporting dates on it? I am in position to pursue Portfolio legally if they do not remove this from my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
In accordance with the Fair Reporting act XXXX  XXXX XXXX acct # ending XXXX, Kohls acct # XXXX, and Capital One acct # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

This creditor has reported to XXXX XXXX and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
In accordance with the Fair Reporting act Bank of American acct # ending XXXX, XXXX acct # XXXX, and XXXX  XXXX acct # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

This creditor has reported to XXXX 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 2022-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group
State: CA

Complaint narrative:
I have consolidated all my credit card debts with XXXX XXXX. I have been paying them for a year or so, until they keep extending my pay off date, I realized they are trying to rip me off so I canceled everything with them. They sent me a cancellation proof and documents, One of them was sent to collection Agency which is Velocity Investments LLC. The name was under my name but the address was not my address. The address was XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX. I was hacked years ago, I was a victim of Identity Theft and that address was used by those theft. I have not lived in XXXX California ever. I didn't know I have been paying debts that were not mine thru 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