vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT.

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 2023-09-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I reported in XXXX of identity theft someone has been using my name to put apartments and other items in my name I reported in XXXX to the police department of fraud Ive never stayed at this apartment complex my only apartment is the 1 I have now I didnt inderstand what the debt collectors was saying I thought I was going to jail if I didnt pay off the debt not knowing whose debt it is its not right to charge someone something thats not theirs I would like for this debt to be deleted off my credit immediately {$3600.00} debt date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/23 I paid {$59.00} with debit card ending in XXXX for auto part shifter assembly received XX/XX/23, item # XXXX. As I was ill advised by dealership parts dept. to purchase, my mechanic decided against installation & advised me to return. The seller has not sent return label & XXXX is siding with seller, with enclosed copy showing shifting label arrival timeline, suggesting bias toward the seller.On XX/XX/23 when I called Bank of America to file dispute, the only option the bank provided, the representative identified me, placed me on long hold, then hung up, thereby denying me the right to file dispute against XXXX seller, proving bias as well for this seller.

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 2023-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: NY

Complaint narrative:
This company put a collection under my credit for a debt I do not know of or own, Claiming that I owe them that debt and that they will ruin my credit if not paid. 
Tried telling them that I do not own such debt but they kept on harassing me and using manipulating tactics such as if you dont pay it my boss will take it out of my paycheck and I wont be able to feed my kids which is absurd and threating me with legal actions even after I explained that I dont owe such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP
State: NY

Complaint narrative:
I opened a 0 % credit card account and transferred XXXX balances. One had the incorrect account information and credit card name. 
A check for XXXX was issued to XXXX XXXX XXXX XXXX XXXX, XXXX KY XXXX- I have no account with XXXX XXXX. 
XXXX XXXX sent a letter to Elan Financial Services ( the new 0 % apr card ) saying they could not find the account on XX/XX/2023. The check was cashed the following day on XX/XX/2023 by XXXX XXXX even though I have NO ACCOUNT WITH THEM and they asked for account verification. 
On XX/XX/XXXX I was sent a copy of the letter from XXXX XXXX requesting my correct account information. I have been out of town and opened the letter yesterday along with an account statement from Elan showing the balance transfer went through. 
I have contacted both Elan Financial Services and XXXX XXXX numerous times today with no results. Both are pointing the finger at each other. XXXX XXXX will give no info as I have no account, Elan says they can not cancel the check since it was cashed. 
I will be very grateful for any help with this matter. Thank you

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 2023-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CL Holdings LLC
State: CA

Complaint narrative:
I have received correspondence from Jefferson Capital Systems LLC ( JCS ) and they are alleging that I owe a debt. They have not provided name or address of the original creditor. They are in fact a debt buyer and have no license to collect in the state of California in which they are trying to collect from. They have given false and misleading information to the CRAs and have caused great damage to me and my credit report. Jefferson Capital has shown gross negligence in their practices and have violated the FDCPA and FCRA in countless ways. JCS created an account " for me '' using my personal identifying information without my consent and have contacted me more than once without my permission. I have requested for validation of the alleged debt and it has yet to be validated. I will be sending out a second request & notice of dispute on Monday ( see attached ). They have caused great injury to me and my reputation by negatively reporting this alleged debt and causing me to have stress and anxiety whenever this matter is brought up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Card Account # XXXX, has violated my rights 15 U.S.C 1681 section 602A. 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 XXXX agreed to remove the account due to identity theft. But XXXX refuses to remove nor have they furnished documents validating the 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 non-monetary relief
Consumer complaint received 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
My identity was stolen a while back, I received a notification from XXXX that my info was on the dark web and I was also a victim of a date breach. I contacted Transunion multiple times over the past few months to get them removed and I also placed a credit freeze and was refused help but also rudely spoken to by some customer service representatives. They have tried to open various accounts, etc. I attached my FTC REPORT as well.. the inquiries and dates are listed below : 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 explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have contacted XXXX  several times in reference to my balance not being reported correctly to the CRA I am demanding my balance be updated to XXXX as this account has been paid in full

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 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have contacted XXXX several times in reference to my balance not being reported correctly to the CRA I am demanding my balance be updated to XXXX as this account has been paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I understand that accurate and complete credit information is crucial, and I believe there are closed accounts on my credit report that should no longer be affecting my consumer credit score. According to the FCRA ( Fair Credit Reporting Act ), it is the responsibility of credit reporting agencies to provide fair and accurate credit reports to consumers. Section 15 U.S.C. 1681 ( A ) emphasizes the necessity of accurate information and states that consumers have the right to dispute any inaccuracies or fraudulent information they find in their consumer credit reports. 

I have reviewed my credit report and identified the following closed accounts that I believe should be removed : 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 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I understand that accurate and complete credit information is crucial, and I believe there are closed accounts on my credit report that should no longer be affecting my consumer credit score. According to the FCRA ( Fair Credit Reporting Act ), it is the responsibility of credit reporting agencies to provide fair and accurate credit reports to consumers. Section 15 U.S.C. 1681 ( A ) emphasizes the necessity of accurate information and states that consumers have the right to dispute any inaccuracies or fraudulent information they find in their consumer credit reports. 

I have reviewed my credit report and identified the following closed accounts that I believe should be removed : 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 explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I recently discovered that one of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my credit score and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to 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 non-monetary relief
Consumer complaint received 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I recently discovered that one of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my credit score and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to 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 2023-09-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: NY

Complaint narrative:
Between XX/XX/2023, and XX/XX/2023, I requested signed contracts or arrangements from this company called " WayPoint ''. They have failed to do so. They just reply back with a bill that means nothing. They're requesting over {$1200.00} in 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 2023-09-09 00:00:00
Product: Credit reporting 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:
Remove from credit report. 
Report no more than {$50.00} balance per federal trade commissions guidelines I was a customer without access to a physical card while company billed me and reported to credit reports. 
Would not close my accounting XX/XX/2021. 
Forencically fixed thier computers to erase my attempts requests on live calls Documentation vlose my account. 
Never would issue a card but collected on dsuch card. 
Paid XXXX credit limit was never applied. 
Never issued my replacement card. Other one reported lost Teo years. 
They broke 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 explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently pulled my credit report and reviewed several unauthorized consumer inquiries on my report. The unauthorized inquiries are in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681. 15 U.S.C. 1681 ( b ) states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681 ( e ) of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681 ( b-f ) I have never authorized any transactions with the following companies listed below As well as I do not have an account as defined under 15 USC 1693 ( a ) 2 with any of the below listed companies of any sort. 

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 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 2023-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: TN

Complaint narrative:
I transferred money from my XXXX to CashApp hoping to put on my bank card ( XXXX ) but CashApp doesnt support XXXX I tried to transfer it back to XXXX I did this on a Tuesday, its said my money should be back on Thursday it was not. It is now Saturday

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
I received a letter on XX/XX/XXXX with it dated XX/XX/XXXX stating I had an outstanding balance of {$2800.00}. I checked XXXX as well as XXXX to see if this balance exists and it doesn't under my name. Towards the bottom of the letter it states " this is communication from a debt collector and is an attempt to collect debt '' and right above that it states that by renewing this debt they still start a lawsuit against me which means this is a debt that was reported off and they are attempting to reage this debt, or this debt was never under 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 explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I received two inquires from XXXX XXXX XXXX  without my permission and i would like it deleted immediately. attached is my FTC report and a letter from credit one explaining there need to remove these inquires thats impacting my credit report

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 2023-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
We have a escrow account from our insurance check the mortgage company who cashed the insurance check they will not send it back to us to get our home repairs done we already had repairs done and that ccompany is waiting to be paid but the mortgage company will not give us the money back to pay the roofing contractor after they completed the work all documents have been sent to newrezllc it's a nightmare dealing with this company we need to know if we should contact a lawyer at this point.

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 explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I called bank of america on XX/XX/XXXX XXXX to complaint about the overdraft on this date and i ask why i had a overdraft i was to because i did not have enough funds in my account to pay XXXX for my XXXX enrollment program so the bank paid it of so i said that the bank did not have my consent to pay the bill but i was told that i still owe the amount that was paid so the bank paid it. the amount of the overdraft is {$16.00} this is what i was told by phone on XXXX XXXX but on XX/XX/2023 i was told that amount was {$25.00}. 

Bank of america XXXXXXXX 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 monetary relief
Consumer complaint received 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

In accordance with the Fair Credit Reporting act XXXX Account 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

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 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian is reporting false information on my consumer report. Additionally the false information appears to be older than 7 years. 
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