vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-11 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: OH

Complaint narrative:
I am not an attorney am not I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ) Pursuant .617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] The information under dispute is not accurate. The items that appear on my credit report as unknown addresses please delete : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX There are phone numbers on my file that do not belong to me plead delete remove the following numbers : ( 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. 
pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ) Pursuant. 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] The information under dispute is derogatory in nature as well as not accurate. The items that appear on my credit report as : 1. US BANKRUPTCY : thisfiling has missing data and is not accurate please delete. 
XXXXXXXX XXXX  XXXX # XXXX : This account is listed wrong and error please delete. 
XXXX. XXXXXXXX XXXX XXXX  # XXXX : THis account is not listed properly error please delete. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX : This account was discharged and listed improperly please delete.

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 2022-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/2021, I got an email saying that my account had reached zero. Upon logging in to my account i realized that was truly the case due to a payment made to a XXXX  XXXX XXXX credit card for {$4500.00}. This resulted in not only funds being drawn from my checking 's but also incurring an overdraft fee on my account. I myself didn't authorize this payment, therefore I called my bank and reported it as fraud. They initiated a claim and told me that they couldn't stop the payment from going through so they would have to do an investigation to determine whether or not it was fraud. According to them the payment was made with my login information. I waited to hear a response from them and received a letter dated XX/XX/XXXX saying that my claim was denied. I called them back on XX/XX/XXXX to file an appeal. I'm not sure how to prove that i didn't authorize this payment but to my knowledge I don't even have a XXXX XXXXXXXX XXXX account. Additionally, I would imagine that possibly looking at the IP address of whomever logged in with my credentials should prove it wasn't me.

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 2022-01-11 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Hello to whom it may concern, I am reaching out in regards to fraudulent inquiries on my credit report. I have contacted both the creditor, XXXX and customer service would not take care of the issue. 
The Inquiries listed were : American Express ( Bank ) XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/2021 XXXX XXXXXXXX ( Bank ) XX/XX/2021 American Express ( Bank ) XX/XX/2021 2021

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-11 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: CBC Companies, Inc.
State: AL

Complaint narrative:
I have been continuously disputing with XXXX, XXXX, XXXX XXXX, concerning reporting/displaying invalid information on my credit report, the company refuses to provide accurate information regarding to student loans on my report, i have informed them countless times to provide me with the original instrument of indebtedness used by XXXX in order to even put this information on my credit report, this false information was original reported in XXXX i was not of age to consent to such action, as the required age is 21. XXXX, XXXX, XXXX XXXX all reported inaccurate information from credit acceptance, and refuse to follow the law and remove account from report.They allow debt collectors to put anything on reports without actually investigating the matter properly.violation 15 U.S. Code 1681s2, Prohibition ( A ) Reporting information with actual knowledge of errors 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. One items was removed liability, inconsistent score across all 3 bureaus causing adverse action, oppression, hardship to consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
In Claim XXXX - XXXX XXXX XXXX took over for XXXX XXXX. 

XXXX XXXX falsified to consumer finance protection bureau that I did not make my three trial payments in XXXX, XXXX, and XXXX. 

She still does not address the underlying facts because the facts are not on their side.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Im sick of disputing this charge with Midland Credit Agency. This was originally a charge with XXXX and i tried to make right before ev3r being sent to collections and they couldnt find an account. Now i called and to try to settle this i asked them to request proper amount and they wouldnt. Theirs all these late charges which i shouldnt be responsible for when i never received any bills and tried to pay amount owed with XXXX and couldnt find account. Now this needs off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sentry Recovery and Collections, Inc.
State: NV

Complaint narrative:
I was with an apartment complex three years ago with a lease. I had to break the lease in XXXXXXXX XXXX XXXX due to relocation for my job. The apartment complex excessively and unnecessarily charged me and due to COVID, I was unable to pay it. I heard absolutely nothing about this issue until until just a few months ago from Sentry Recovery and Collections. I began to get repeated and harassing phone calls from this company. I attempted to call and set up a payment plan last month. The individual stated that he needed a large payment as the company was adding interest to my account every month I did not pay. I stated I could only do about $ XXXX {$200.00} a month due to my job uncertainty, and he rudely said that my suggested payment amount would not work as that wouldn't even cover the interest on my account. I pleaded with him and he was extremely rude and I hung up from the phone call extremely distressed.

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 2022-01-11 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: EQUIFAX, INC.
State: NC

Complaint narrative:
There are numerous inquiries on my Equifax Credit report that I did not authorize or I do not recognize. Prior to my calling Equifax to resolve, I did contact each and every company and request they remove the unauthorized inquiry or that they provide me with proof that I in fact was the one who authorized the inquires. 

The following are the companies I did not authorize to run my credit or I did not apply for any type of services with them. 

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/2021 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, NC XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, ND XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC
State: CT

Complaint narrative:
XX/XX/XXXX I canceled the credit card. I paid the balance in full, and canceled the card by calling the card company. I was told the card was canceled. 
In XX/XX/XXXX I was sent a statement that I owed XXXX. I called the credit card company back, and they said a charge was made for XXXX. I told them that's impossible, I canceled the card. The person I spoke to said I was correct. The card was canceled. She said an investigation would begin. 
In XX/XX/XXXX I called them again after noticing my credit score was being severely damaged because this credit card company was reporting my account delinquent. So my score has dropped. I told the credit card company this information, and they again said a dispute would be entered. Today, XX/XX/XXXX I just got another statement saying I now owe {$170.00} for an account I canceled in XX/XX/XXXX. And I was told it would be upt to 99 days until the XXXX. XXXX would be removed. But they are not removing interest and late fees on a freaking account that I nceled and did not authorize a charge to a closed account that is still being charged freaking fees. 
I don't owe them anything!!!! 
Genesis FS Card Services XXXX XXXX XXXX XXXX GA XXXX. 
My account # that I canceled a year ago is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
A Synchrony Bank Visa card payment of {$2900.00} was received and cashed on XXXX XX/XX/2021 as my XXXX XXXX confirms. This has not reflected in my Verizon Visa account. I request this reflect immediately. I have communicated with this bank repeatedly concerning this.

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 2022-01-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I recently pulled my credit report and realized my auto loan was showing 30 days late all of 2021. I called the company said that I have missed a payment making all payments forward late. I have not missed any payments last year. In fact, several payments were paid a few days earlier which they applied to the same month making the next months payment late. I explained to them they made a big mistake and it is affecting my credit now. They said they did not make any mistakes. I have all payment history backing my statement. I also have put several requests in to speak with a manager with no return calls. I would just like help solving this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: TN

Complaint narrative:
ACCOUNT WAS NEVER INCLUDED IN ANY XXXX  XXXX XXXX XXXX The following account is not mine XXXX Account says charge off and that is not correct please investigate or delete file TN XXXX XXXX  THIS ACCOUNT WAS PAID OFF AND SUPPOSED TO BE DELETED XXXX XXXX  LETTER ENCLOSED FOR DETAILS

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 2022-01-11 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am not an attorney am not I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ) Pursuant .617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] The information under dispute is not accurate. The items that appear on my credit report as unknown addresses please delete : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX There are phone numbers on my file that do not belong to me plead delete remove the following numbers : ( 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. 
pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ) Pursuant. 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] The information under dispute is derogatory in nature as well as not accurate. The items that appear on my credit report as : 1. US BANKRUPTCY : thisfiling has missing data and is not accurate please delete. 
2.XXXX XXXX XXXX XXXX  XXXX : This account is listed wrong and error please delete. 
3. XXXX XXXX XXXX XXXX  XXXX : THis account is not listed properly error please delete. 
4. XXXXXXXX XXXX : XXXX XXXX : This account was discharged and listed improperly please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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:
I am not an attorney am not I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ) Pursuant .617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] The information under dispute is not accurate. The items that appear on my credit report as unknown addresses please delete : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX There are phone numbers on my file that do not belong to me plead delete remove the following numbers : ( 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. 
pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ) Pursuant. 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] The information under dispute is derogatory in nature as well as not accurate. The items that appear on my credit report as : 1. US BANKRUPTCY : thisfiling has missing data and is not accurate please delete. 
XXXX XXXX XXXXXXXX # XXXX : This account is listed wrong and error please delete. 
XXXX. XXXXXXXX XXXX XXXX  # XXXX : THis account is not listed properly error please delete. 
XXXX. XXXXXXXX XXXX XXXX  XXXX XXXX : This account was discharged and listed improperly please delete.

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 2022-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America card services was attempting to collect a debt and threatening to take legal action and then slandering and messing with my personal information as I give them to eliminate a debt

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 2022-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XXXX, I was I was fraudulently contacted and victimized/scammed by someone representing themselves as being from the fraud department and they tricked me into providing banking details and ultimately made two ( 2 ) XXXX transfers from my checking account using XXXX, stealing my monies in the total amount of {$920.00}. 

I immediately called Capital One 360 and reported the incident and gave all the details I had and completed and returned any necessary paperwork at the time, etc. I believe two separate fraud cases were open and subsequently closed as I was told the return of my funds was pending from the other bank that the monies were sent too, and that there was nothing more that Capital One could do. To date, I have received zero dollars back. 

I am legally XXXX, live on a fixed income and have been desperately waiting for my monies to be returned to me. I have complied and filed reports with law enforcement, IC3.gov and complied with all of Capital Ones requests and provided an abundance of information that I was able to put together on this scam. Today, I have also reported a scam directly to XXXX, through their website online submission form and sent a certified letter again to Capital One.

Company response to consumer: Closed with explanation