vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-20 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 have accounts on credit report that i did not authorize and need them remove, here are the accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-20 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 have accounts on credit report that i did not authorize and need them remove, here are the accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We had a very tight close on our mortgage for our XXXX property ( XXXX XXXX ). Wells Fargo stated they would help expedite our requested close date and came close to meeting that date although I had to have multiple escalations to stay on track. 

During this time, they never communicated that there would be an escrow account for 2 years when they quoted the interest rate of 7.375 %. Our loan to value is 25 % yet they are now indicating that there needs to be an escrow account for 2 years, and we earn 0 % interest on this. Our monthly escrow payment is XXXX, which could be earning over 4 % interest in a high yield savings account. 

This is a very deceptive practice. 
Wells has never requested an escrow account with our other mortgages.

Our credit score is over 800. 
Our loan to value is 25 %. 

We are awaiting an update from Wells Fargo regarding this situation but the most important thing to take action on is how DECEPTIVE they are when quoting their rates.

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 2023-07-20 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
XXXX ) Barclays out source there customer service dispute department to the XXXX. The attended did not properly take my complaint. 
XXXX ) I purchased a coach airline ticket with XXXX XXXX. I checked in online before my flight. Soon after got an email saying that I can enter an auction to fly business class, It said ill be refunded if I did not win. I entered the auction was charged {$880.00}. I did not win. I was OUTBID. 
XXXX ) I have disputed with the credit card company. All communications are attached. 
XXXX ) I did fly with XXXX coach. 
XXXX ) I tried to also resolve with XXXX XXXX but I am not fluent in Spanish. 
XXXX ) I filed my unauthorized fraud scam with the credit card company, within 30 days from when i received the credit card statement.

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 2023-07-20 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: FL

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 USC1681. 
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 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 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 2023-07-21 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: IL

Complaint narrative:
Attention! My information is being XXXX due to your inability to be impartial

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 2023-07-21 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: IL

Complaint narrative:
Attention! My information is being trafficked due to your inability to be impartial

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 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: Rent Recovery Solutions
State: AZ

Complaint narrative:
I first made initial contact with Rent Recovery Solutions on XX/XX/2023, where I clearly stated the validity of this debt and the inaccuracies reported to the credit reporting agencies. Upon checking my credit report on XX/XX/2023, nothing has changed, and I have not been contacted to remedy this situation. 

In accordance with 15 U.S. Code 1681s2 ( A ) ( B ) : ( 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. 
( B ) Reporting information after notice and confirmation of errors : A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

Rent Recovery Solutions also acted as the original creditor in this debt collection practice, knowing that the account I have with the true original creditor has a {$0.00} balance ( see attachment ). Therefore, by law, this debt collection process is against the law, as referenced by 15 U.S. Code 1692j ( a ) ( b ) : ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such a consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor when, in fact, such person is not so participating.

( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.

According to the FDCPA " No Parking Rule, '' they're in violation because no contact verbally, physically, or virtually was made with me ( consumer ) prior to reporting this collection account on my credit report, and they can expect law enforcement scrutiny.

This goes against the law that upholds debt collection practices, and I request the immediate removal of this inaccurate collection, Rent Recovery Solutions, from all reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 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: TX

Complaint narrative:
I recently disputed accounts that were incorrect on my Trans Union report. It hasn't been corrected and it's not accurate as the FCRA Laws says it should be. They refuse to do a proper investigation and correct multiple errors. 

XXXX XXXX XXXX Account # XXXX Charged Off showing a balance and payment history reporting on a closed account. Dtae opened shows 2 different dates. Dates of last activity is different. 


XXXX XXXX XXXX Account # XXXX High Balance Shows 2 different amounts Date of Last activity shows 3 different dates Showing a Balance and Payment history on a closed/charged off account Last payment showing 2 different dates.

This is violation of FCRA Laws.

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 2023-07-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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: TX

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 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: NY

Complaint narrative:
My social security number is XXXX XXXX my complaint on equifax credit reporting agency there's a charge off from XXXX XXXXl it's fraud and supposed to be removed please have equifax removed that one averse account. And regarding XXXX XXXX there are four charge off accounts that are fraud please have XXXX XXXX removed them I have a fcc report on file and regarding experian there are 3 negative items that are fraud I have a fcc report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Per the information on USAA 's app and URL, they recommend investing with XXXX XXXX. 
i opened a XXXX IRA XXXX XX/XX/XXXX for {$7000.00} i transferred {$110.00} XXXX XX/XX/XXXX XXXX XXXX closed the access to my account XXXX XX/XX/XXXX and then permanently closed the account by XX/XX/XXXX and kept my money. 
I've made constant attempts to speak with someone from XXXX XXXX to no avail. 

I filed with the SEC XX/XX/XXXX ( SEC Response - File XXXX : XXXX : XXXX ) and XX/XX/XXXX the SEC called and stated that XXXX XXXX said to come get the money / file a dispute with your financial institution ( USAA ) and they will pull back the money you sent. 

I called USAA XXXX XX/XX/XXXX to file a dispute. 
XXXX XXXX i received a response denying the request. 

I called USAA again XXXX XXXX to find out how to get this accomplished as i have not received the services for which my money was sent/spent. The agent said to file another dispute, which they did. 
XXXX XXXX i received another denial, and this time, the entry the agent put in was for the incorrect amount, so i've now confirmed that this 'denial ' is an automated response, no one is actually doing any work nor retrieving the funds. 

The SEC says i am to provide the document number of my claim with them to the financial institution so they can verify the response from XXXX XXXX. I did that and have provided it again above.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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: CA

Complaint narrative:
Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX, XXXX XXXX XXXX, & XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlas Credit Company, Inc.
State: TX

Complaint narrative:
I have received 5 phone calls on XX/XX/XXXX due to a passed due account less than 30 days I advised to cease calling due to creditor harassment I was told per their policy they are to call multiple times a day until a payment is made. I received 3 more phone calls XX/XX/XXXX regarding the past due payment and was talked to aggressively by the representatives. And continued daily since receiving phone calls after advising numerous times to cease contact.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I do not own this debt. I have disputed with the company and there is nothing stating I own this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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: DISCOVER BANK
State: NV

Complaint narrative:
DISCOVER BANK Is illegally reporting on my credit report. 
Improper use of my report. 
In accordance with the FCRA this creditor has violated my rights under 15 USC 1681 section 602 states I have a right to privacy.

15 USC 1681 section 604 ( a ) section 2 it also states the consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ) a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I have XXXX different businesses with bank accounts at Bank of America, for which I also have several credit cards associated. We need the cards to carry out business, especially for our construction company that needs to make large purchases for client projects. We typically have to use one card, then pay it down and switch to another until it becomes available again. Clients pay us back for the purchases we make on their behalf, but sometimes they are delayed or even go into a dispute status and we are left owing money on the accounts. We never received a warning that our credit card accounts might be closed if we weren't able to make a minimum payment right away. Rather, the bank simply closed 4 of our cards and took {$9000.00} from a few of my bank accounts I had with them to make the payments. One of the accounts was my XXXX daughter 's. That was a disgusting action -- especially, without warning us. I asked them today after finding this out if I could do anything to reverse this and simply make the minimum payments and they said " absolutely not. '' I can't believe the bank I have done hundreds of thousands of business with for the last few years would not try to amicably work with me, and they made no effort to restore the money to my daughter 's account. She should not be affected by my businesses and the bank 's lack of notice. The credit lines that I had were a total of almost {$80000.00} that is now not available to me for my businesses to function. I am also hugely impacted on my credit score and have no way to acquire a new card because of this bad history. I had to spend all day and will have to spend several more days trying to figure out how to fix this and not lose our project contracts that are already underway and rely on the cards. In addition, I just took a personal loan of {$20000.00} to cover the minimum payments and to pay my payroll obligation tomorrow ( XXXX ) and they put a hold on the whole check for at least a week, until the XXXX of XXXX. Payroll will be 4 days past due and my employees will threaten to quit if not just be severely impacted by my inability to pay them. I am doing everything I can to meet our obligations, but the bank is acting as if they have no control and no heart. This is cruel and impacts several lives. Please help rectify this by restoring our accounts and helping us access the funds I had to borrow from a family member. They said the check for the loan was already withdrawn from their account by the way. There is no need for a hold. Unbelievable!!

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 2023-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: MI

Complaint narrative:
On XX/XX/XXXX I was seen at the XXXX XXXX  department. On XX/XX/XXXX I received 100 % patient financial services through this hospital. The patient financial services covered all dates of services through XXXX. A debt was sent to collections for this DOS. When I contacted XXXX they were unaware of this debt. Upon further investigation, it was found that the ER physician was contracted through XXXX and sent the bill out. When I contacted the ER physicians company and informed them of the patient financial service  they told me they were unable to help as they had already sold the debt. ( I received no bill from this provider ). The bill would have been 100 % covered under the patient financial services. I was contacted by MBA law. I submitted proof of this on XX/XX/XXXX, they did not follow up on this matter. I contacted them again today, to which they told me they need more proof of coverage. Furthermore, an additional debt collection agency has ( XXXX XXXX ) submitted this same debt to the credit bureau, with zero correspondence to me. I contacted XXXX  and have yet to receive a response. I contacted MBA LAW and they were unaware of who XXXX XXXXt was. At this point I believe my debt was sold to multiple debt collectors whom are all trying to receive the XXXX $ from me. This has negatively affected my credit score. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 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: CA

Complaint narrative:
I am writing to report an incident of identity theft that I recently discovered. I believe my personal information has been compromised and used fraudulently without my consent. I am seeking your assistance and guidance in addressing this matter.

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 2023-07-21 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: CA

Complaint narrative:
I need to inform you I was the victim of identity theft. I'm disputing the items as they were opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the items. They were opened without my knowledge, authority or consent. 


XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, 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