vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of Little Falls, Inc.
State: MN

Complaint narrative:
I requested a validation of debt on XX/XX/2022. On XX/XX/XXXX I received only a statement from them saying that the debt was validated. The statement did not have any of this companies information on it nor was there anything that proves that this company has a right to collect on the alleged debt. They are reporting my personal information on a debt that has not been correctly verified. I do not have a contract with this company. They never provided me with a service but they are reporting on my consumer report. I have not received anything from them that gives them rights to be harassing me for this debt. I sent another validation of debt letter on XX/XX/2022. I have yet to receive anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I, the consumer and natural person, was denied credit by American Express when I applied for an American Express XXXX XXXX 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. 

You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by American Express due to the adverse action letter I received which is included with this letter.

American Express is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued. 

Furthermore, because my social security number ( credit card ) was used, and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of American Express. 

XXXX : XXXX  / [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Grain Technology, Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX, I received an email to log on and verify my information. I attempted to do this, but immediately received an error message. As an result my account was restricted and Im unable to use it. I immediately contacted support and customer service, but they provided NO assistance! I have reached out several times about the system not allowing me to verify me information and still no assistance has been provided. They always send the same scripted message. Now, my credit score is impacted because it will shows I am using all my available credit with them. They also charged me {$100.00} annual fee for a card I can no longer use because of an error caused by their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX all inquires were supposed to not be hard inquires- no I impact to credit.

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 2022-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone number ( XXXX ) XXXX all inquires were supposed to not be hard inquires- no I impact to credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: WI

Complaint narrative:
Reached out to all 3 bureaus multiple times for multiple months via CERTIFIED MAIL regarding unauthorized inquiries. They advised me to file an FTC report which I did. It has been months and no responses nor removals.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
The balance Bank of America is reporting to the credit reporting agencies is incorrect. 
I entered into a forbearance program which ended in XX/XX/XXXX. When that ended, I was told the loan was current and I could resume payments under the normal terms of the loan, which I have done. But, they entered me into a program, called XXXX STANDARD MODIFICATION TRIAL PLAN without my knowledge, causing my credit score to drop XXXX points. I was told that would be removed from my credit report, and it hasnt been. 

When I entered the forbearance program, my loan was current, and the balance was XXXX. My most recent statement dated XX/XX/XXXX has a balance of XXXX. Bank of America is reporting to the credit agencies that my balance is XXXX? 
I disputed this via XXXX, and was notified the information is accurate. Its not. Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: TX

Complaint narrative:
According to the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 section 604 A section 2 also states a credit 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 2022-04-09 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: TX

Complaint narrative:
According to the Fair Credit Reporting Act XXXX XXXX XXXX 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 has violated my rights. 

15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 section 604 A section 2 also states a credit reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: WI

Complaint narrative:
Reached out to all 3 bureaus multiple times for multiple months via CERTIFIED MAIL regarding unauthorized inquiries. They advised me to file an FTC report which I did. It has been months and no responses nor removals.

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 2022-04-09 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: WI

Complaint narrative:
Reached out to all 3 bureaus multiple times for multiple months via CERTIFIED MAIL regarding unauthorized inquiries. They advised me to file an FTC report which I did. It has been months and no responses nor removals.

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 2022-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my Transunion consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
This account started reporting to XXXX on XXXX XXXX stating I owe XXXX they reported XX/XX/XXXX then XX/XX/XXXX and XXXX XXXX at the same amount then it changed to {$1500.00} from XXXX to current XX/XX/XXXX I've contacted midland and I spoke to someone about a debit validation letter I never received also they told me the reason the amount changed was because I've was giving a credit because I met a certain criteria I asked if they can send me something explaining what kind of credit that was they said they couldn't, and also this amount of XXXX is on my credit report as the original about and that's in accurate as well XXXX reported midland XXXX amount and they are now saying XXXX is accurate and It isn't im not sure what I owe them if I did because reporting is incorrect and there's not validations or written paperwork to back this up I'm just lost the

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
Affirm calls me multiple times a day starting at XXXX on the dot. They call maybe every other hour upto 5 times a day even weekends. I feel that this is harassment because I cant even relax in the morning because the clock changes to XXXX and they call. Please have Affirm stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

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 2022-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
I had an unauthorized electronic charge of {$16.00} in my M & T bank 's checking account from an unknown XXXX account on XX/XX/2022. The charge was not from my XXXX account. I never shared this bank account info to any vendor. The bank gave me a provisional credit. And I've also reported the issue to XXXX for investigation. 

However, how could this have happened!!!! 

Even if someone mistyped the bank account info in XXXX, the bank should have noticed that the name was different and prevented electronic transfer from happening in the first place.

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 2022-04-09 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: NY

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
XX/XX/2020 capital one keeps lowering my credit sore and thur XXXX one of my debts was resolved. I've been making my capital one payments on time and just paid off my credit card for rebuilding my credit. With capital one I started close to XXXX now I'm down too XXXX to spite paying and being able to show proof of all that was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX Acct number : XXXX live in that apartment for a year, when they just opened. I never miss any payment. My moving day was XX/XX/2021. I hire a moving company they have to provide they insurance to the managers of the apartment and get approved by them before coming to check they insurance. They approve them they come that day didnt do a good job they couldnt take the sectional sofa out of the apartment they scratch the wall of the door of my apartment. I call XXXX the maintenance guy of the building and manager to see the mover what they did and to call they insurance he said not to worry they covered they have they insurance but for me to contact they insurance as well because they started damaging my sofa. I started recording videos and taking pictures. Then XXXX call XXXX to ask to broke down my sofa that I bought XXXX  $ because is taking to long and not to disturb neighbors. They cut my sofa in the middle. Totally lost a brand new sectional sofa. After I move XXXX send me an email saying that I owe them XXXX $ for damages and late hours moving charging every min XXXX . I call her and I said that I dont owe them anything they have the mover insurance and she cut ask to cut my XXXX  $ sofa why will I have to pay XXXX $??? She said then they will put it on my credit! They call blowing my emails calls then on XXXX I see that they put on all 3 credit bureau. I call credit bureau Submit a dispute. They never remove it. Its hurting me so badly I cant not have any approval from any apartment because of that. My lease is almost up I cant got any apartment because they think I owe them rent thats they reposted which is not true my rent was XXXX XXXX I always pay my rent on time. Even where I live as we speak. I have proof that I never miss rent. I dont know where to go in XXXX my rent is up the townhouse Im renting as XXXX sold my landlord is very nice hes ready to give me a good review wherever I move to but I cant find any place because of that. Im hurt and XXXX XXXX I dont want to be a XXXX. Please help me to remove this on my credit. Im a hard working single woman. Please god is my witness I never owe them anything. XXXX XXXX  accordance with fair credit regarding act XXXX to those account has violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C section 602 A section 2 : its also states a consumer reporting agency can not furnish a account without my 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 2022-04-09 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: FL

Complaint narrative:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

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 2022-04-09 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: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I get paid a large amount of money ( {$380.00} ), its sent to my PayPal. the next day I cant login to my paypal at all. This has never happened and Ive had my account for years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
They are reporting false information in my credit report and say it has been certified, and refuse to show what proof they have ( XXXX loan late which I have never had with this bank )

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 2022-04-09 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: NC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2022-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My Citibank Executive XXXX XXXX card has a benefit that reimburses up to {$100.00} for TSA Pre-Check enrollment and renewals. I received my renewal for XX/XX/XXXX from the TSA in XX/XX/XXXX. I charged the fee to my Citibank card and Citibank has not processed the reimbursement. They advised that I could not renew until XXXX XXXX XXXX XXXX XXXX from my last benefit received. That would have required me to wait to renew and be in danger of an expiration. The window to reimburse is unfair and deceptive as it should be known that the TSA solicits renewals at 6-7 months prior to expiration. Also this XXXX XXXX XXXX XXXX XXXX requirement is not published on the Citibank website displayed to consumers considering and applying for the credit card.

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