vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Webcollex, LLC
State: TX

Complaint narrative:
Thank you for the notification of the complaint filed by XXXX XXXX. CKS Financial appreciates the opportunity to respond to their concerns. Please note that upon notice of the compliant, a member of our Compliance team conducted an investigation into the allegations, including a review of all inbound and outbound telephone communications associated with the telephone number provided A summary of that investigation follows : We have conducted an investigation which included a review of the account data provided by the original creditor. The result of that investigation confirmed the name, address, and the amount owed is accurate, as listed on the account. Please note, XXXX previously responded to Consumers request for validation on XX/XX/2021, providing validation. The account has since been returned to the current creditor XXXX XXXX XXXX XXXX. We suggest XXXX XXXX contact XXXXXXXX XXXX XXXXXXXX, XXXX directly for any further concerns, including how it is being reporting to the credit bureaus. We invite XXXX XXXX to contact a member of our Compliance team if she has any questions. A member of our Compliance team is available Monday through Friday from XXXX to XXXX Eastern Standard time and can be reached directly at XXXX or by emailing XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from XXXX XXXX. I have contacted ( XXXX XXXX ) and ( XXXX XXXX ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2022-06-15 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX XXXX  
                                                  
                                                  

                                                   EXPERIAN XXXX XXXX XXXX XXXX TEXAS XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX
                                                TO WHOM IT MAY CONCERN.
THIS ACCOUNT LISTED BELOW IS A COMPLETE VIOLATION OF THE NO SURPRISES ACT, DELETE THE LISTED ACCOUNT(S) IMMEDIATELY FROM MY CONSUMER REPORTS.

XXXX XXXX XXXX  ACCT# XXXX XXXX XXXX XXXX  ACCT# XXXX XXXX XXXX XXXX ACCT# XXXX XXXX XXXX XXXX ACCT# XXXX XXXX XXXX XXXX ACCT# 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 2022-06-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Credit card payment of {$29.00} is XXXX month late due to unexpected financial congestion. Citi is harassing me with several phone calls a day - often in the early morning or late evening. Called and they refuse to postpone my payment the few weeks I need. The associate I spoke to in their hardship department says that they do not post pone 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 explanation
Consumer complaint received 2022-06-15 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: CA

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX CA. XXXX XXXX EQUIFAX XX/XX/XXXX THE ACCOUNT LISTED BELOW IS A COMPLETE VIOLATION OF THE NO SURPRISES ACT, ( DELETE ) THE LISTED ACCOUNT BELOW ( IMMEDIATELY ) FROM MY CONSUMER REPORT. 

XXXX ACCT # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, unknown account # XXXX, unknown account # XXXX, unknown account # XXXX, unknown account # XXXX, unknown account # XXXX, unknown 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I did not authorize any of these inquires on my credit report 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 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 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

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 2022-06-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
I just received an email stating, I was declined for a loan. I DID NOT APPLY FOR A LOAN!!! And I don't need ANYTHING NEGATIVE listed on my credit history and reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UMB FINANCIAL CORPORATION
State: KS

Complaint narrative:
UMB BANK took {$500.00} out of my account XX/XX/, 2021 because they accepted a fraudulent check. They are responsible for the fraudulent check in that they cut the check and did not follow procedures when accepting the check for payment. Since then they have agreed to credit my account the {$500.00} a number of times but have never done so. 

They have lied numerous times to me that they are going to redeposit the {$500.00}. 

They have blocked me from their phone system and will not return my calls.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored by my disputes. Section 622 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. 

THANK YOU FOR TIME INVESTIGATING THIS MATTER

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-15 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:
I have sent several Disputes to XXXX, Experian and XXXX about the inaccurate items on that are reporting on my credit reports last sent XX/XX/XXXX. I requested documentations to proof and verification of these reporting 's. I still have not received the fact findings of the accounts. The credit bureaus stated that my account was properly investigation, 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 A section 2 : It also states A consumer reporting agency can not furnish an account without my written instructions. It has been over 30 days they did not provide the verification of these accounts listed below that ae on my credit report that they have stated that they agree. 

XXXX XXXXXXXX Account number XXXX, Account name XXXX XXXXXXXX Account number XXXXXXXX XXXX  XXXX Account number XXXX, XXXX XXXX Account number XXXX, XXXXXXXX XXXX XXXX  Account number 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 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 2022-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, there were unauthorized XXXX transactions and a {$10000.00} wire transfer of money out of my wife and my Capital One accounts as well as internal transfers of money between our XXXX ( XXXX ) accounts. I called Captial One to report the fraud/unauthorized XXXX transactions and wire transfer. Captial One Bank provided me with a claim # XXXX for unauthorized wire transfer, and claim # XXXX & # XXXX for the XXXX ( XXXX ) unauthorized XXXX transactions taken from our account endingXXXX. Capital One Bank locked our accounts. Capital One assured me that they would do an investigation. The XXXX ( XXXX ) unauthorized XXXX transactions were unusual since I did not use Captial One Bank to transfer monies out of my account using XXXX. My wife and I did not add this criminal or his/her cell number or email address to our list of XXXX Recipients XXXX In the years that we have had these XXXX Capital One accounts, we have never wired money to anyone. There is no history of wire transfers out of our Capital One Bank accounts. It would be easy for Capital One Bank to flag such unusual activity on our accounts. Yet, Capital One Bank instead of safe guarding our money, permitted this fraudulent activity to take place. Even when provided with an XXXX Police report, Capital One has chosen to protect themselves rather than protect my wife and I. This was a crime and Captial One Bank has refused to restore the money that was stolen. I filed an police report with XXXX and a Identity Theft Report with the Federal Trade Commission. The following unusual activity and fraudulent transactions were never authorized : XXXX XXXX XXXX XXXX XXXX {$200.00} XXXXWithdrawal to Savings Now {$1000.00} XXXX to XXXX XXXX {$400.00} XXXXWire Convenience Charge {$30.00} XX/XX/XXXX - Wire {$10000.00} XXXX Deposit from Savings Now {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CADENCE BANK
State: MS

Complaint narrative:
XX/XX/2022. Someone transfer my money to another account without me knowing. They used the XXXX app through my bank. They took {$100.00} and {$2500.00} from my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Disputing inquiries that I did not approve of

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been a victim of identify theft I have reported the problem already with local police, FTC AND CFPB I did notice some incorrect addresses and employer information that needs to be removed as soon as possible because it is incorrect. I have reach out to the companies already and got no help I have attached my XXXX  drivers lice sec which has my correct address. The employer information is incorrect as well and needs to be removed I am monitoring my credit daily sense my ex boyfriend use my information to obtain fraud accounts in my name.

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 2022-06-15 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: IL

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.Section 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 an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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. 

1. CREDITOR : XXXX XXXX  XXXX ACCOUNT : XXXX ADDRESS : XXXX XXXX XXXX XXXX, OH XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$4600.00} 2. CREDITOR : XXXX  XXXXXXXX ACCOUNT XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX OPENED : XX/XX/XXXX BALANCE : {$270.00} 3. CREDITOR : XXXX  XXXX  ACCOUNT : XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$9300.00} 4. CREDITOR : XXXX XXXXXXXX XXXX XXXX ACCOUNT : XXXX ADDRESS : XXXX XXXX XXXX XXXX, OR XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$2500.00} 5. CREDITOR : XXXX XXXX XXXX ACCOUNT : XXXX ADDRESS : XXXX XXXX XXXX XXXX, WI XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$450.00} 6. CREDITOR : XXXX XXXX ACCOUNT : XXXX ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX, XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$3600.00} 7. CREDITOR : XXXX XXXX XXXX  XXXX ACCOUNT : XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, IA XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$3300.00} THESE ARE THE ALLEGED ACCOUNTS I WANT REMOVED FROM MY CREDIT REPORT IMMEDIATLY THANK YOU, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-15 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: NY

Complaint narrative:
In accordance with Fair Credit Reporting Act Portfolio XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX Account # XXXX XXXX Account XXXX XXXX XXXX Account # XXXX XXXX Account XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX  Account # XXXX has violated my rights .

15 USC 1681 Section 602 A : states I have the rights to privacy.

15 USC 1681 Section 604 A 2 : states a consumer reporting agency can not furnish an account without my written obstructions. 

I know for a fact XXXX, XXXX & TRANSUNION do not have my written permission to report these accounts on my consumer reports.

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 2022-06-15 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: NY

Complaint narrative:
In accordance with Fair Credit Reporting Act Portfolio XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX Account # XXXX XXXX  Account XXXX XXXX XXXX Account # XXXX XXXX Account XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX has violated my rights .

15 USC 1681 Section 602 A : states I have the rights to privacy.

15 USC 1681 Section 604 A 2 : states a consumer reporting agency can not furnish an account without my written obstructions. 

I know for a fact EQUIFAX, XXXX & XXXX do not have my written permission to report these accounts on my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Acct # XXXX XXXX  Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXXXXXX  Acct # XXXX has violated my rights. 
15 U.S.C 1681 SECTOPM 602 A. States I have the right to privacy.

15 U.S.C 1681 Sectopm 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 non-monetary relief
Consumer complaint received 2022-06-15 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Acct # XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXXXXXX Acct # XXXX XXXX XXXX Acct  # XXXX has violated my rights.

1

5 U.S.C 1681 SECTOPM 602 A. States I have the right to privacy. 15 U.S.C 1681 Sectopm 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation