vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax how are your reporting a XXXX XXXX XXXX  on my report when XXXX does not have this information in their system? I sent a dispute letter along with a letter from letter from XXXX stating that the XXXX was deleted from their system due to it be unverifiable. I also sent in a letter from the XXXX XXXX XXXX  stating that they do not provide court information to third party companies. 
So my next question is who provided you with the XXXX information? How did your properly verify this to be true and please provide me with the correspondence between Equifax and the entity that provided this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 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: WI

Complaint narrative:
In accordance with the fair credit reporting act, equifax and XXXX display XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights! 
15 U.S.C 1681 sec 602 A. States,, I have the right to privacy. 15 USC 1681 section 604 A.section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 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: FL

Complaint narrative:
See letters sent, personal info needs to be updated, unauthorized inquiries need to be deleted and the violations on the accounts listed need to be deleted

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 2022-10-29 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:
I see that someone is attempting to open accounts in my name I have several inquires that are fraudulent listed on my credit report and I want them off because its fraud these people just get on my nerves and I have completed a police report and included the FTC report with this complaint. 
inquires : 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 explanation
Consumer complaint received 2022-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: MI

Complaint narrative:
After being approved for a business credit card in XX/XX/2021, Comerica Bank was not able to explain how another bank account ending in XXXX was linked to my business credit card on XX/XX/2021. 'See Attachment. '' I have continuously been overcharged fees going beyond the amount of {$3000.00} which I was approved. The bank manager alleges that I had taken out one cash advance which is causing the high interest rate. I can not recall ever doing a one time cash advance. I am continuously being charged over the rate when I have not used the card in a while. Due to severe Identity theft of my business, i.e ghost companies being established under both my tax ID and Soc Security Number, I believe I am being charged for the illegal schemes that occurred throughout this bank.

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 2022-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
My bank, now Truist has charged me with over {$300.00} in overdraft fees for my account.

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 2022-10-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MO

Complaint narrative:
I have been trying to get a clear answer about old XXXX loans and loan forgiveness for MONTHS. I talked to MOHELA initially, and they told me that I might be eligible, but I'd have to consolidate, but they couldn't tell me for sure, and they couldn't tell me if I'd lose all the time I've been paying ( XXXX years ). So I tried studentaid.gov, but it's unclear on my specific situation. Now, I can't get through to a real person at either MOHELA or Studentaid.gov. The information is conflicting, and I don't know whether I need to consolidate to take advantage of debt relief or not. I think the deadline to consolidate my type of loan might have already passed, or is about to pass, and I STILL don't know whether I should consolidate. I can't figure out whether I will lose all my years of repayment if I consolidate into the types of loans it is offering. After almost 20 years of repayment and still owing more than half, I think I deserve a chance for debt relief. But I don't want to start over on the number of years I've been paying unless it will really help. By my calculations, if I consolidate and I end up not being eligible, then I will pay thousands more than if I just continue on my current path. However, I'm not 100 % sure, because I can't get a report that shows me how much I've already paid, total, in 18 years. The report only goes back to XXXX Further, it looks like the only loan I could consolidate into would more than triple my current payment. I can't pay {$1500.00} a month on the hopes that my loans will be forgiven. So frustrated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have attached a letter, my drivers license and my social security card so Equifax can update my info so I can see my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Continue to call stating my phone number is tied to debt. Asking for my ss #. Stating " I'm very behind on payments ''. I've never had a loan with this company, ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 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: AES/PHEAA
State: FL

Complaint narrative:
The fed loan account is in XXXX balance and it does show a balance of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUSTMARK CORPORATION
State: AL

Complaint narrative:
XXXX XXXX at Trustmark Bank XXXX XXXX Alabama pulled my credit 3 times for a loan to check my score which she said was a XXXX, and again she pulled it afterwards, and my credit score has dropped XXXX points since then. How I know is I have my credit score on alert from another company who sends me emails letting me know when it's pulled more than once.

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 2022-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
On XX/XX/2021 I was notified that an account that I had been actively paying on time had been charged off without reason. I have contacted Bank of America regarding this matter and was told my credit limit had been decreased due to my credit score change so my remaining balance was due immediately. I was told I was not allowed to continue making my monthly installment payments due to the change. My account shows that {$4200.00} was charged off on my account. This is the original debt amount. I only owe {$310.00} according to the representative I spoke with.

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 2022-10-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TrueAccord Corp.
State: MN

Complaint narrative:
On multiple occasions I have contacted that of TrueAccord related to such debt they claim that I owe. They claim to be licensed but they refused to provide me requested material and I discovered that TrueAccord is not reporting to my credit report. It is unethical for a licensed professional, or business, or collection agency, not to report their attempts and involvement to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: AZ

Complaint narrative:
Collection company : MRS BPO , LLC Creditor name : XXXX  I believe this is a phone account originating in Texas. I have never lived there in my life. Also, the account is under my birth name. I haven't used that name in more than twenty years. 

I contacted XXXX approximately 8 months ago and was told they'd remove the account. It in now on my credit reports and my score has dropped XXXX points.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: CDS Debt Relief, LLC
State: NY

Complaint narrative:
Absolutely horrible, horrible, horrible company!!! They steal your money and make a bunch of promises that they are in no position to keep! They are unethical, fraudulent, dishonest, thieves! When I called to cancel and stated I want my money back, over {$2400.00}, they told me they spent it all! I dont know where how or they spent it, but it wasnt on anything do with me! I asked for documentation on how my money was spent/distributed, and I was told they didnt have a record of that! That, is stealing!!! They took XXXX ACH drafts, {$400.00} each for a total of {$2400.00}. They did nothing, nor is there any record of where my money was deposited, let alone how it was distributed! None of my cc companies have been contacted. I received a letter from one of the credit bureaus that what the company is doing is against the law and they are not authorized to be doing what they are doing on my behalf and that their practices are illegal! I had been asking for documentation for several weeks! Sent several emails which questioned what they are doing. They just kept taking money! When they take your money there is zero visibility to any bank account tied back to me or what they promised they would be doing on my behalf. In fact, they just use an open ACH draft, so the only way to stop them from taking my money was to close my checking account! Its all sketchy and bait and switch scam!!! Run, run, run!!! I want my money back and I want it now! I will also be filing a claim with the attorney general and I would encourage anyone else who fell victim to their thievery to do the same. They need to be shut down!!! They also use the business name XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2022 I was approached by a person I did not know and forced to deposit fraudulent checks totalling {$980.00} into my bank account. I was then forced to withdraw {$980.00} in cash. 

The same day, I called Bank of America to inform them of the fraud and theft, filed a police report, submitted an FTC report, and began the process of submitting a claim through Bank of America. The claim was closed on XX/XX/2022 and was not resolved in my favor as footage shows me making the deposit and withdrawing the money myself. 

However, as my police report and FTC report indicate, I did not do this willingly. I was threatened with XXXX and cornered in a small space alone with a person I did not know.

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 2022-10-29 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: 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES PLEASE DELETE!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of 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 explanation
Consumer complaint received 2022-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF THE WEST
State: KS

Complaint narrative:
XXXX XXXX wis excited and she message me on my XXXX message out blue that she won and told me that my name was on the list I must sign up i sign up fill out form from XXXX Banker email XXXX ( deaf XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX ) He told me that i won winning check XXXX He been telling me to buy gift card and money I have no idea why I started to do that XXXX told me to buy i will get my money back to pay off my bills and need XXXX XXXX to get my winning check my credit card will not let me I knew something not right and i stop and we file police reports 6 times and i went to my bank that we change our checking account and my bank told me that that fraud people took my money out my checking account {$3200.00} out to paid XXXX XXXX and they turn down went back but we never came back that was not authorized ... that money went to Bank of West that is not my bank my bank is mainstreet XXXX  XXXXBank of West try to paid my credit cards bills they don't accept their payment Bank of West that where froud people

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Sent Bank of America, XXXX, XXXX and XXXX a letter to have my account checked for audit and accuracy. Bank of America Never responded ..... Please permanently delete this credit card account from my file. per 15 U.S.C. 1681S-2 ( b ) ( 1 ) ( E ) ( iii ) The response time was only allowed 30 days they are way over that period. 15 U.S.C. 1681S-2 ( b ) ( 2 ) and FCRA 611 ( a ) 1

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 2022-10-29 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: WI

Complaint narrative:
In accordance with the fair credit reporting act, XXXX and transunion display XXXX XXXX/XXXX  XXXX, XXXX, XXXX  XXXX  XXXX, XXXX XXXX XXXX Wisconsin XXXX XXXX XXXX XXXX XXXX well as XXXX XXXX XXXX has violated my rights! 
15 U.S.C 1681 sec 602 A. States,, I have the right to privacy. 15 USC 1681 section 604 A.section 2 also states a consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2022-10-29 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: 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. 

XXXX XXXX XXXX Case Number : XXXX UNAUTHORIZED INQUIRIES PLEASE DELETE!!! 

XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX 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 of 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 2022-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: 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. 

XXXX XXXX XXXX Case Number : XXXX UNAUTHORIZED INQUIRIES PLEASE DELETE!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The XXXX XXXX account is in XXXX balance and it does show a balance of 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 2022-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The XXXX XXXX account is in XXXX balance and it does show a balance of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 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: FL

Complaint narrative:
The XXXX XXXX account is in XXXX balance and it does show a balance of 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