vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
I HAD TRANSFERRED MY PHONE LINES OVER FROM SPECTRUM TO XXXX BACK IN XX/XX/year>. THE REP FROM XXXX CAME OVER AND TRANSFERRED ALL MY LINES FROM SPECTRUM/CHARTER RIGHT INFRONT OF ME. I DIDNT KNOW I HAD A BALANCE TO PAY AFTERWARDS. WHY LET SOMEONE EVEN GET THAT FAR. IF I KNEW THAT I WOULDNT HAVE SWITCHED. ANYHOW THIS CBE/CHARTER SHOWED UP ON MY CREDIT AND ID LIKE IT REMOVED AS IM A XXXX XXXX  AND NOT WORKING AND SECONDLY I DIDNT KNOW I HAD TO PAY ANYTHING BACK YET THAT MY CREDIT WOULD TAKE A HIT IN THE PROCESS. I FEEL THATS NOT RIGHT IF THESE COMPANIES ARE IN COMMUNICATION WHEN IN THE TRANSFER PROCESS IT SHOULD NOT EVEN ALLOW ONE TO CONTINUE ON IF CUSTOMER HAS A PRIOR BALANCE TOO. SO THATS SPECTRUMS FAULT AS THEY SHOULDNT HAVE EVEN WENT THROUGH WITH THE PROCESS AS I APPARENTLY STILL HAD A BALANCE AND THE TRANSFER WENT SMOOTHER ON MY END AND XXXX TOOK THE PHONES I HAD GOTTEN WITH SPECTRUM IN FOR THE TRADE INS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 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: GA

Complaint narrative:
On XX/XX/2024 I contacted Experian in reference to inaccurate information being reported. I spoke with XXXX XXXX  XXXX and let her know I mailed and uploaded proof that is compliant with federal laws that govern Experian and their reporting habits. She reviewed the documents on file and proceeded to tell me my proof wasn't sufficient because it doesn't matter what they're reporting to any of the bureaus ( even though none of it matches ) or what information I send as proof of a completely inaccurate account because whatever the furnishing company verifies is deemed verified according to their " internal policies ''. I have proven that a proper investigation hasnt taken place according to federal law and provided proof of the inaccuracies. Simply matching a name, address, ss #, dob, ID # etc. is not proper verification.

My rights have also been violated in accordance with 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I have not given written permission for this information to be furnished and that is a direct violation of the FCRA I confirm that the information reported is inaccurate and untrue.

P.L 90-321 ( 82 Stat. 146 ) which is a law that further supports my complaint as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an 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 explanation
Consumer complaint received 2024-04-20 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: NC

Complaint narrative:
the following information in my consumer report and that you have failed to maintain reasonable procedures in your operations to ensure the highest level of accuracy in the consumer report you publish.

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 2024-04-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
Captail one bank is in violation of their very own arbitration agreement I have with them.

I'm ready to go to arbitration with Capital One over a late payment they other inaccurate and incomplete reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
Concora credit recently three months purchased my closing account with XXXX XXXX XXXX. The company has harassed me with calls and emails asking me to pay the balance, or how I would like to pay my balance. I have a letter of a woman named Genisis, who I explained to to when I first learned this when they called me. I received a letter from them saying that my account has been closed. I also got a notice that they still owe me a credit of XXXX dollars. However, nothing has been adjusted by this company. Im overwhelmed and feel very violated of my rights as a consumer. That a scam, fraud and financial exploitation is occurring. This must stop. There are making false reports to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-04-20 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: GA

Complaint narrative:
I have used all lawful information, identity theft as well as I dont live here and 6 bad collections on my report that isnt mine. They have ignored my attempts in writing and on the phone

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 2024-04-20 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I got a credit report and I know it is incorrect. I was told I have a right to have a investigation done. In which you did not thoroughly investigate these. XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX said that XXXX never contacted them. I submitted my police report and FTC fraud report showing these are not my accounts. Don't verify using E Oscar or secondary bureaus. I called XXXX, XXXX and they both said that Equifax never called them to verify the fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-04-20 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
Wells Fargo over charge

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 2024-04-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Village Capital & Investment LLC
State: PA

Complaint narrative:
I was on a forbearance for unemployment for XXXX months. They said at the end of XXXX months if I still wasnt working to request an extension. I did that and then they did not approve it. Does not make any sense as they said it would be extended if I was not working. Then they called and said they would email me a packet to fill out so they can work with my VA Home Loan Guarnatee officer from Colorado to come up with other options such as loan modification, refinance etc. they never emailed me the packet. And k sent them multiple emails asking for it or mail it. I tried to call and was on hold for over an hour and chose option for them to call me back. They never called me back. I already did one complaint and they sent me act 91 which is foreclosure in 30 days which is not legal since the VA Al has a foreclosure moratorium until the end of XXXX. It cant be in that as an option before XX/XX/XXXX. So they jumped the gun on it. This company has the worst customer service and Im not happy that I can not get a straight answer from anybody. How hard is it to leave it in forbearance until I get caught up or to give me other options. You think they would want me to get it under control versus foreclosure. Ive seen people behind XXXX years and yet Im only XXXX  months behind and Im working with PHFA to help me get this under control. So number 1 they failed on their promise to extend my forbearance., 2. They never sent me the packet to fill out for them to work with the Va loan officer to come up with alternates and went right to foreclosure before they legally could do to the mortatorium.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On the XXXX and XXXX of XXXX i was charged a bunch of transactions i did not make or authorize, totaling XXXX XXXX I made a claim with the bank reporting those transactions as fraudulent but they denied the claim saying that i authorized them even though i did not. Here are the transactions and the date they were made : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NJ - {$200.00} I did not authorize these transactions. I called to ask for the documents saying why they say i authorized them but they did not send them to me. I tried reopening the claim so they investigate it properly but they did not allow me to. 

The bank is saying that I authorized the transactions because it was made from an account I created a long time ago. 

The account was hacked I DID NOT authorize the transaction. I have filed a police report. They are denying the claim without evidence that it authorized the transactions. I got robbed and the bank is refusing to help me. They are not following the law. 

I attached the police 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 2024-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
This collection suddenly appeared on my credit report at the beginning of this year with an open date of XX/XX/2024, with XXXX  XXXX XXXX as the original creditor. I have disputed this account with the credit bureaus asking for verification and documentations that I have yet to receive. I don't live in Tennessee, and I have not lived there for more than XXXX  years. Unsure how an account will be open for medical debt in TN when I live in GA.

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 2024-04-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have used all lawful information, identity theft as well as I dont live here and 6 bad collections on my report that isnt mine. They have ignored my attempts in writing and on the phone

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: VA

Complaint narrative:
XX/XX/2024, I attempted to call a debit collection ( aargon collection agency ) contact number. I'm then transferred to, " XXXX. '' He tells me he is a part of the, " dispute department. '' He then tells me to give him my credit card number, social security number, and birthday to check my payment, but wait ; It's going to cost a dollar to check and even {$100.00} to file a dispute. It's already suspicious I would have to do this if I already exist in their system, as it seems predatory in nature. In good faith I agreed and my suspicions were confirmed when under XXXX hours I see an email confirming I've been subscribed to standardscores.com ( https : //app.standardscores.com/users/sign_in ) with a plan to charge me {$24.00} monthly, WITHOUT MY CONSENT.This number was listed under a DIFFERENT COMPANY, then told me, by an agent who SAYS HE REPRESENTS THEM, LOG MY CREDIT CARD INFORMATION AND IS ILLEGALLY TRYING TO CHARGE ME A SUBSCRIPTION FEE WITHOUT MY CONSENT. From the little research I've seen, they have a REPUTATION of this! I then found the REAL AARGON AGENCY and they have NO IDEA where that number is from and are confident it has never been registered to them. Even they said my interaction sounded like FRAUD and to file this complaint. My family hasn't served this country for generations to deserve this type of nonsense, when most people live paycheck to paycheck! It's unacceptable and THEY SHOULD BE SHUT DOWN IMMEDIATELY!

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 2024-04-20 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I was charged for dates that I did not occupy the unit. I have proof ( receipts ) of where I stayed during the months i was charged. 

I was charged a fee by grandstand for leaving with out notification. Thats untrue i have emails where I was asked to leave. 


I was charged for keys. I gave keys to staff. I have proof reflecting that information. 

I was charged for trash. I have paid proof where i paid staff to clean what I left in the unit. 

I was charged rent for a month that i paid the balance in full. I have proof reflecting it because rental assistance covered the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XXXX I received alerts to my phone that my credit had been ran, and it was also ran without my permission. The dealer is a scam. The inquiries that were added to my account were 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 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XXXX I received alerts to my phone that my credit had been ran, and it was also ran without my permission. The dealer is a scam. The inquiries that were added to my account were 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 2024-04-20 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: GA

Complaint narrative:
Account Closed on XX/XX/XXXX. I never received a check to refund the balance of {$140.00}. Reached out to the bank today on XX/XX/XXXX so they bank could mail me a check for the amount due, but they are unable to pull up my account via the account number or the SSN listed on my statement. I have a receivable from the bank for this {$140.00} amount.

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