vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-06 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: PA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 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 2022-07-06 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-07-06 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Linebarger Goggan Blair & Sampson LLP
State: FL

Complaint narrative:
to clear all debt, put my credit score back up in great standard. love is a the highest frequency. these 2 government operating, against me. we all are equal. give a fair chance. which is law. contact me for any question. thank XXXX be blessed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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:
There has been a XXXX XXXX Claim in my credit report for the last 3 yrs. and has been showing as an unpaid debt. The Hospital submitted a no-fault car insurance claim to my insurance incorrectly : wrong amount and wrong medical billing codes. As a result, my credit has been negatively impacted - I have been trying to refinance my mortage as stated in my divorce papers. 

I was in a XXXX XXXX  in early XXXX, I went to XXXX XXXX in XXXX, NY to be checked and submitted all required no-fault claim paperwork to both hospital and my insurance company. 

It has taken me 2 yrs. to get this corrected, and still, the negative history is part of my credit history. 

I have made countless calls to the XXXX XXXX XXXX XXXX XXXX - however, all they could site was " collections laws '' and that they had nothing to do with the claim nor had any idea of how to " remove this '' from my credit history. 

The attached letter was received from them on XX/XX/XXXX, and still, my credit report shows this debt -- appears on my three ( 3 ) credit bureaus as " old unpaid medical debt ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There has been a XXXX XXXX XXXX in my credit report for the last 3 yrs. and has been showing as an unpaid debt. The XXXX submitted a no-fault car insurance claim to my insurance incorrectly : wrong amount and wrong medical billing codes. As a result, my credit has been negatively impacted - I have been trying to refinance my mortage as stated in my divorce papers. 

I was in a XXXX XXXX  in early XXXX, I went to XXXX XXXX in XXXX, NY to be checked and submitted all required no-fault claim paperwork to both hospital and my insurance company. 

It has taken me 2 yrs. to get this corrected, and still, the negative history is part of my credit history. 

I have made countless calls to XXXX XXXX XXXX XXXX and XXXX - however, all they could site was " collections laws '' and that they had nothing to do with the claim nor had any idea of how to " remove this '' from my credit history. 

The attached letter was received from them on XX/XX/XXXX, and still, my credit report shows this debt -- appears on my three ( 3 ) credit bureaus as " old unpaid medical 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 non-monetary relief
Consumer complaint received 2022-07-06 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: CA

Complaint narrative:
Hi, i was an old customer of Wells Fargo when they over charged people for account and fees. now, 5 years after i closed my account they sent me a payment back for all the wrong fees they charged me. 

BUT, i am no longer have a business and this check is on my business account. 
they stole my money and now they don't want to send me a check back on my name. they are asking to fill out many documents and spend maybe 5 more hours of my life to send them more info ... and then it will take them 45 days to send it. 

they have my personal information on the business account and can send me the check easily. i have no time to work for them. as it is they stole my money. i work and have no time to deal with a fraud bank again!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
Accounts balances are incorrect, and some accounts are outdated past 7 years. Accounts are being sold to other collection agency and still showing on my credit report, when it should not be on my credit report. Dates, balances and late payment status is incorrect. When I dispute the info that is incorrect, it's never resolved.

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 2022-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX XX/XX/2015 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to XXXX parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

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 2022-07-06 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/22 I sent Experian a : Affidavit of Truth ( notarized ), and a invoice stating the laws that have been imposed on and the amount I was owed based upon that breach. I have not gotten any response. 

On XX/XX/22 I sent Experian the same information with a few more documents : Affidavit of truth ( notarized ), a invoice, legal notice and demand document. 

It is now XX/XX/22 and I have not got a response from this company. 

I sent all my documents certified mail to : EXPERIAN 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
Consumer complaint received 2022-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I was looking for a summer XXXX and found a XXXX XXXX XXXX offered by them. That happened on XX/XX/XXXX. On XX/XX/XXXX, they sent me an interview invitation. Since it was a remote XXXX, they asked me to contact HR- XXXX, the person I get with, through a website " XXXX XXXX XXXX '' ( it is a XXXX website ), and it is possible to search XXXX by entering " XXXX '' on XXXX website. Everything went well until that person interviewed me. 

After the interview, XXXX told me I was confirmed qualified for the open position. However, he asked me to pay for the training material while the finance department sent me a check through email ( the email above ). I made the payment through XXXX on my mobile bank APP. There were two receivers. One of them was XXXX XXXX with the email address XXXX and phone number XXXX XXXX XXXX ; the other person was XXXX XXXX with the email address XXXX. I made {$1800.00} to XXXX XXXX, and the payment to XXXX failed. The check they sent to me was {$1900.00}. In next day, XXXX notified me that some updated equipment was added to the training materials and asked me to pay another {$1400.00} to XXXX XXXX. They did not send me a check at once. Instead, they said they would send the physical check and training materials on XX/XX/XXXX. At that point, I recognized it was a fraud, so I contacted my bank 's customer service and made claims for all the above transactions. On XX/XX/XXXX, which is today, I did not receive anything from them ; instead, XXXX still wanted me to pay {$1500.00}, so they could mail the training materials and check to me. I told XXXX that my bank account had been closed ( It is not closed, but it will be closed on XX/XX/XXXX since the bank recognized the {$1900.00} check was a scam ), and no one could access my bank account, even bankers. Then, XXXX said, " [ I am ] advised to proceed to make payment of XXXX or partial payment right away ... Failure to comply, [ my offer ] will be canceled immediately. '' I did not and would not comply. 

Eventually, I transferred {$3300.00}, and the second payment is still pending. However, my bank can not stop the transaction ; instead, they made claims for all of those transactions.

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 2022-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: CA

Complaint narrative:
First of all, none of the provided categories fit my specific situation so I picked the closet possible choices but my issue is actually about a sign up bonus for opening a business checking account at US Bank. 

It's a bit of a long story so I will try to accurately describe the situation while keeping it concise and easy to follow. 

I opened a business checking account ( as sole proprietorship/a DBA ) based on a promo offer some time in early XX/XX/XXXX ( promo was a {$300.00} bonus after depositing {$3000.00} within 30 days etc. ). Here is an example of their current offer : https : //www.usbank.com/splash/business-checking/online-banking-bonus.html # : ~ : text=Earn % 20your % 20 % 24300 % 20Business % 20Checking, and % 207 % 2F29 % 2F2022. ( note that promos like this change from time to time so mine was slightly different from this one ). 

Anyhow, when I tried to transfer money from an external checking account to US Bank checking to meet the minimum balance requirement for this promo, I ran into roadblocks ; for some reasons I couldn't do it online via the online portal. I reached out to customer service email, who responded with an explanation and some instructions etc. but it didn't resolve my issue when I followed their advice. I then called US Bank and spoke to a nice gentleman, who explained why I was having the issue and advised me to use XXXX. 

He was showing me step by step on how to use XXXX and together we successfully had the money sent from my external checking account to US Bank via XXXX. I considered I met the minimum balance for the promo and moved on with my life. 

Months later when I didn't see a bonus hitting the account, in XX/XX/XXXX, I decided to reach out to US Bank customer service first via email then made phone calls. Basically I learned that XXXX is not a qualifying deposit as the terms of the promo said new money deposits have to be Direct, Mobile, ACH or Wires and XXXX is not a deposit or they can not accept a XXXX transfer as new fund ; hence, no bonus for me. 

I was really frustrated because besides the fact that I didn't get my bonus, I also got different explanations every time I spoke to their reps. Each rep gave a different reason as to why I couldn't do a deposit online ( which would have been ACH - a qualifying deposit ), which led to the use of XXXX ( which was their advice ) and because of that I didn't meet the bonus requirement. 

Some reps show no empathy such as a banker at a local brand said " well you could have done a wire or direct deposit, it's not that hard. You didn't have to use XXXX ''. 

I will attach copies of my correspondences to their online customer service.

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 2022-07-06 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: PA

Complaint narrative:
Hello, I have recently noticed fraudulent activity on my credit reports. What I have found ( XXXX BANK NA ; Account Number : XXXX ; Balance : {$2300.00} ) has led me to believe I may be a victim of identity theft, as I did not approve any info to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2022-07-06 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: LA

Complaint narrative:
XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX BANK Credit Cards Issued by XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Banks XX/XX/XXXX TransUnion XXXX XXXX Bank XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX CARD - XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX All this infomation in not mines ......

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 2022-07-06 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: S & S Recovery, Inc.
State: FL

Complaint narrative:
I have received validation of debt by S & S Recovery via Mail Dated as the XX/XX/2022 information is attached to this complaint. The referenced Account # XXXX Reference # XXXX. There was an inaccuracy in which I was incorrectly billed in the amount of {$1400.00} was supposedly refunded back to the account. I did not receive any funding for an overage nor was this information shared with me until the investigation from S & S Recovery. The account balance reported from S & S Recovery is not reflected as the SAME BALANCE reported on my XXXX Credit Report. ( Doc. Attached ). 

I am contacting you because you claimed to have completed this investigation and verified this information with XXXX XXXX XXXX as reporting 100 % accurate. However, this account is STILL inaccurate and is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

I have previously requested that you investigate and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE and remove this inaccurate account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There has been a XXXX XXXX Claim in my credit report for the last 3 yrs. and has been showing as an unpaid debt. The Hospital submitted a no-fault car insurance claim to my insurance incorrectly : wrong amount and wrong medical billing codes. As a result, my credit has been negatively impacted - I have been trying to refinance my mortage as stated in my divorce papers. 

I was in a XXXX XXXX in early XXXX, I went to XXXX XXXX in XXXX, NY to be checked and submitted all required no-fault claim paperwork to both hospital and my insurance company. 
It has taken me 2 yrs. to get this corrected, and still, the negative history is part of my credit history. I have made countless calls to the XXXX XXXX XXXX and XXXX - however, all they could site was " collections laws '' and that they had nothing to do with the claim nor had any idea of how to " remove this '' from my credit history. The attached letter was received from them on XX/XX/XXXX, and still, my credit report shows this debt -- appears on my three ( 3 ) credit bureaus as " old unpaid medical 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