vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting 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: NC

Complaint narrative:
I checked my XXXX and Transunion credit reports and noticed I had unauthorized inquiries for accounts I did not apply for. This is a violation of my rights and I would like these inquiries removed immediately or I will file for litigation against XXXX and Transunion. I have attached my dispute letter and identity theft report to this complaint for your review.

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 2024-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Revco Management, LLC
State: OH

Complaint narrative:
On XX/XX/XXXX, I received a notification of an outstanding collection account on my credit report. I proactively contacted the Collection Agency in writing via USPS and requested information about this debt and the company, which they provided. 

In this letter, I specifically stated : " You can contact me about this debt going forward, but only via USPS or email. Do not contact me about this debt in any other way, or at any other place or time. It is inconvenient to be contacted except as I have authorized. You may not contact my friends or family members in any way whatsoever concerning any accounts in my name. You can only contact me via mail at the address listed above or via email at XXXX. 

Please note that my employer prohibits me from receiving personal or business-related communications like this at work. '' They have yet to contact me via email, and I am now receiving texts and calls as of XX/XX/XXXX. 

Despite having received and responded to a letter that very plainly instructed them NOT to do so, their repeated calls and texts are harassment, and I will NOT stand for it. I want this agency held accountable for its illegal collection activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: NY

Complaint narrative:
They claim i owe XXXX XXXX XXXX this account has not been in existence since XXXX  this account was already settled 6 years ago with the creditor they have ruined my credit with this and know XXXX  has removed in less than three days after reporting and i have a dispute pending with XXXX as they have filed false claimand it is know on my credit report as well. I have disputed it as well they send me a document asking me to provide them with information regarding this matter i told them i dont have information for this matter you put this on my credit report you should have the information they asked me my name my social security number then told me they can take it off my credit report for a fee of XXXX trying to jeep put out of there moneyh

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
Deposited a check via mobile deposit on XX/XX/year> then received an email that my deposit will not be available until XXXX. 

Called Capital one and was told they cant cancel deposit and that they cant do anything until 24 hours after deposit is made. 

Called next day and was told nothing could be done because they cant override the system. 

They are messing with peoples livelihoods, I have a mortgage payment that will now be late because I dont have access to my own money for 5 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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.

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 non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting 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:
In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions.

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 furnishes an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
As a summary, the following reasons to amend my credit report are supported by the appropriate Consumer Financial Protection Bureau U.S. Code of Title 15 On going written complaints, disputes and calls trying to clean up credit report. Have asked several times for verification. From TRANSUNION with no response 1. Information is too old to be on a credit report. 2. The account payment history is incorrect. 3. Creditor agreed to delete account from the credit report. 4. Several addresses do not belong to me. 5. Incorrect status The statutes supporting my disputes are : I. USC 1681 a 4. Right to privacy II. USC 1681 a 2 Exclusions paragraph iii III. USC 1681 b e. False information IV. USC 1681 b Did not use a manner which is fair and equitable to the consumer in reporting negative allegations without permission. V. USC 1681 b a2 Need written permission. VI. USC 1681i ( 5 ) Removal of inaccurate/invalidated credit information. Please remove immediately. VII. USC 552a ( i ) ( 3 ). Failure to maintain any records with accuracy, relevance, timeliness and completeness as is necessary to guarantee fairness. VIII. USC 16812s-a Medical bills IX. USC 1692c. Consumer notification X. USC 1681a Charge off. Rules of construction. Paragraph 2 section iii XI. USC 1666B9 ( a ). Late Payments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
About 18 months ago I had to buy a new furnace. The HVAC company set me up with Synchrony bank and I made payments of {$280.00} per month. When I called to make sure my payment information was correct they informed me I had missed the end of a " promotional '' period which they said ended on XX/XX/XXXX. Other than the information that I had made payments every month, they did not forewarn me that the promotional period was going to end. I'm guessing it was the fine print in emails littered with fine print. So that furnace, which as XXXX} I had paid down to roughly XXXX Now they said they are charging me XXXX  in interest. I'm XXXX XXXX XXXX and on a fixed income. I feel cheated that these people did little or nothing to take inform me of such a critical amount of money was due at a very particular due date. Their services should at least come with a warning.

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 monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting 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:
So I requested to have my utliization stop being reported and requested to opt out and withdraw any and all authorization given to to report to a third party per law 16CFR313 the privacy of consumer financial information Rule under the Gramm-Leach-Bliley Act they refused and said I CAN NOT opt out and they will still report to the credit bureaus.

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 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
So I requested to have my utliization stop being reported and requested to opt out and withdraw any and all authorization given to to report to a third party per law 16CFR313 the privacy of consumer financial information Rule under the Gramm-Leach-Bliley Act they refused and said I CAN NOT opt out and they will still report to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions.

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 furnishes an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Following accounts i demand be immediately removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting 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: NC

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.

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 2024-01-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Got XXXX fell behind on the mortgage

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 2024-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Credit Bureau, Inc.
State: CA

Complaint narrative:
I went to XXXX in XXXX for a root canal procedure. I had dental insurance. They billed me for my portion and I paid to receive the service. XXXX is putting me on collection for portion that they anticipated to collect from my dental insurance. This debt is not mine. I paid what they billed me to receive the service at the time of service.

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 2024-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo since XX/XX/XXXX to present has not applied bi-weekly payments ( XXXX  ) correctly. We still have a 30 year mortgage. From XX/XX/XXXX to XX/XX/XXXX. We were overcharged in our Escrow account from XX/XX/XXXX to XX/XX/XXXX. We closed the escrow account in 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 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
This is my 2 request in regards to hard inquiries that I do not recognize and did not authorize. I am demanding that they delete XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/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. All the credit bureau did was look and see that I bought a car and said they have to stay but I got pre approved from XXXX  XXXX to buy the car so the dealership had no right to run the credit a million times. 
I did not authorize them to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: MI

Complaint narrative:
XXXX was told by myself that after losing my job due to COVID i could not continue to pay my cable/internet bill and asked them to send someone to come pick up their equipment as I was not able to drive to a drop off point nor was i willing to drive to a drop off point. They sent someone to install the equipment, they can send someone to pick the equipment up and that it would be in a box on my porch. Nobody ever came to pick the equipment up so I moved the box to my garage where it still sits. They then proceeded to charge me with failure to return equipment. I told them I wasn't paying for the equipment because I still had it and they never picked it up and that i would pay the balance of my bill at the time of disconnection and not a penny more. XXXX refused to pick up their equipment and then charged me for it and sent collections after me for the amount

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 2024-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: PA

Complaint narrative:
I have a " missing payment '' from XX/XX/2023 that has not been applied to my loan balances. I have submitted documentation for proof of payment. I have contacted the support line numerous times with no resolution

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
1. There is inaccurate reporting by Transunion the consumer report of the accounts XXXX XXXX XXXX XXXX account number ending XXXX and account number ending XXXX. It is against the law and violation of FCRA to report transaction history on a consumer report which Transunion is inaccurately reporting with the late payments listed on the accounts. These late payment shall be removed. 

2. The hard inquiries by XXXX XXXX XXXX dated XX/XX/XXXX, and XXXX XXXX XXXX dated XX/XX/XXXX, are unauthorized and had no permissible purposes to access report. Both of these inquiries ' shall be removed from the report. 

3. There is inaccurate reporting by Transunion the consumer report of the accounts XXXX XXXX It is against the law and violation of FCRA to report transaction history on a consumer report which Transunion is inaccurately reporting with the late payments listed on the accounts. These late payment shall be removed. 

4. There is an charge off account reporting by Transunion named XXXX XXXX. A charge off is considered income and a certificate of indebtedness and income is not reported to a consumer report. This account must be removed immediately

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 2024-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: GA

Complaint narrative:
I have XXXX loans serviced by MOHELA. I reached XXXX payments while working for a XXXX  for the XXXX XXXX XXXX XXXX XXXX  in XXXX of XXXX. From XXXX to XXXX of XXXX, I was placed into administrative forbearance by my servicer due to errors in calculating my required monthly payment under the XXXX plan. I was told at the time that these payments would count towards XXXX automatically. With this in mind I submitted my employment certification in XXXX, which shows that I have worked with the XXXX of XXXX from XX/XX/XXXX to XX/XX/XXXX. My payment count was updated, but now shows XXXX, XXXX, and XXXX as ineligible payments due to the administrative forbearance mentioned previously. Now I am being given the run-around from Mohela regarding when, or if, these payments will count.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I checked my Equifax and XXXX credit reports and noticed I had unauthorized inquiries for accounts I did not apply for. This is a violation of my rights and I would like these inquiries removed immediately or I will file for litigation against Equifax and XXXX. I have attached my dispute letter and identity theft report to this complaint for your review.

Company response to consumer: Closed with non-monetary relief