vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
. See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Dear Sir/Madam, I am writing to dispute inaccurate information on my credit report. I have carefully reviewed my credit report from XXXX, and I believe there are several items that are not reported correctly. 

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 14 USC 1681. 

XXXX, account number, XXXX, inaccurate amount shown on the credit report. 
XXXX account number : XXXX, inaccurate amount shown on the credit report. 
XXXX XXXX : XXXX, inaccurate amount shown on the credit report, accounts closed In XXXX. 
XXXX XXXX inaccurate amount shown on the credit report. I have disputed the amount several times. 
CAP XXXXXXXX, inaccurate amount shown on the credit report. 
XXXX XXXX XXXX XXXX, Not my debt, do not know why or how this account exists on my credit report. 

XXXX XXXX Account closed company stop reporting and no longer in operation. 
XXXX XXXX XXXX  Not my debt, do not know why or how this account exists on my credit report. 
XXXX XXXX XXXX Not my debt, do not know why or how this account exists on my credit report. 

The accounts above violates Fair Credit reporting act : 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681c. ( a ) ( 5 ) Section States : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Under the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit reporting agency to investigate and verify the accuracy of the disputed items within 30 days of receiving this letter. I kindly request that you investigate these matters promptly and remove any inaccurate or unverifiable information from my credit report. 

Additionally, I request that you provide me with a written copy of the results of your investigation and a corrected copy of my credit report. Please ensure that any corrected information is sent to all creditors who have received my report in the last six months, as per my rights under the FCRA. 

I appreciate your prompt attention to this matter. If necessary, please contact me at XXXX or via email at XXXX to discuss this dispute further. 


I look forward to a prompt resolution of this matter. 


Thank you for your assistance. 
Sincerely, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: NC

Complaint narrative:
In XX/XX/2023 I purchased a Vanilla Gift card at XXXX XXXX XXXX store for {$130.00}. Before I got a chance to use the card the balance was {$0.00}. I went to the transactions for the card online and saw there were 4 purchases made ; 2 to XXXX for {$50.00} each and 2 and XXXX for {$25.00} and {$8.00}. I put in a dispute about the unauthorize charges but only to receive a letter stating that there's nothing that can do and closed the dispute. 

I called Incomm Payments the same day I received the letter of denial an asked what did the investigation consist of. I was told they could no longer pull my account up because it was closed. I told the customer service rep that wasn't fair to me and I'm just suppose to except their findings? Well not me, I did my own investigation. I called XXXX about the transactions that was made with the gift card, gave them the order number and 2 gift card was purchased for XXXX XXXX XXXX and mailed to XXXX, Massachusetts and I live in NC. I did not get any information from XXXX because I did not have an order number. 

Looking at this company 's reviews, they are not a good company to purchase anything from. For all the reviews I saw, no customer was happy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLIANT CREDIT UNION
State: HI

Complaint narrative:
I deposited a cash deposit of {$300.00} to payoff another account and the bank split my deposit into 2 amounts and {$75.00} and {$170.00}. I dont have any pending payments out. This is not okay as it will cause me to get more financial charges. Cash deposits are just that cash and should be available right away. This hold makes no sense except to make extra fees. I called spoke to XXXX and a bank XXXX which was a waste of time as they both asked for a receipt which I declined as I dont need the extra paper. Obviously if I am calling to complain this is not a legitimate hold I am complaining of illegal holding of funds they claim to have a payment not made since XX/XX/XXXX and this whole time I had {$22000.00} in my account to cover all expenses since XX/XX/12. They wait till now with my cash deposit of {$300.00} a month later to try and cover it. No this does not sound right a receipt should not be required since I was verified and obviously the one who made to deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: MD

Complaint narrative:
Lender : UWM New home purchase : XXXX Upcoming Taxes paid at closing Location : XXXX XXXX XXXX : XXXX Address : XXXXXXXX XXXX XXXX XXXX Hello I purchased my home with all upcoming taxes paid at closing. 
There was a tax bill due in XXXX. 

It wasnt until XXXX I discovered it had not been disbursed for payment. 

Sent email to lender to which in their confusion they stated I would need to pay out of pocket. I had to furnish all applicable documents highlighting the monies already paid into escrow to cover the taxes. 

After much back and forth they apologized and stated they would pay the unpaid delinquent taxes. 

It is now XXXX. My home has been purchased in a tax sale because UWM has made error after error and no corrective action has been made to protect me against a unpaid tax sale.

I have spent many hours via phone and email attempting to get UWM, the subject matter expert to correct their error with no resolve. 

In this time I have had anxiety and sickness due to their callousness and lack of professionalism in this matter. 

Ive been left vulnerable and now I am facing someone buying my home out from under me because of their wreck less and unethical behavior. 

I need help. I am not a subject matter expert in this field. I feel unprotected and attacked. 

Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica
State: TX

Complaint narrative:
I contacted Direct Express XX/XX/2023 because the benefits I received where not on the card I had and was told that the benefits had been paved on a new card to a previous address of mines and had been used. After I was told a provisional credit would be issued within 10 days but was not giving this because I was told they dont necessarily have to award me the provisional when they had sent sent out a new card without my knowledge and to an old address wheee someone was able to gain access and use my funds. I have bill and responsibility that need to be taking car of so having to wait 45 days for something I am not liable for is totally unfair.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
this account does not belong to me please remove it off all three of my reports asap

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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:
To Whom it may concern, While looking at my credit reports I have noticed the following account had a discrepancy in the " payment history '' section of the listing : Account Name - Account number This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item 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 2023-07-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom it may concern, While looking at my credit reports I have noticed the following account had a discrepancy in the " payment history '' section of the listing : Account Name - Account number This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item 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 2023-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MD

Complaint narrative:
this is not my dept

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I the Consumer and Natural person was denied credit after my social security number was given and I received no benefits, this proof of fraudulent activity ( unauthorized use of credit card 15 USC 1602 ( p ), adverse action against a consumer is against the law according to Equal credit opportunity act which is codified in 15 USC 1691 and is in pursuant to civil liability under 15 USC1692 ( k ) .also in violation of 15 USC 1642,15 USC 1681 ( m ) and 12 CFR 1002,1002.7 because I the consumer made an application ( in good faith ) but credit was not issued. BANK OF AMERICA is subject to criminally liability for violating 15 USC1691 as I have proof that I was Discriminated against due to the response I received. Also BANK OF AMERICA is in violation of 15 USC 1611 whis public knowledge whoever willfully and knowingly gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of thia subchapter or any regulation issued there under.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
The problem I have is I had two unauthorized transactions for XXXX XXXX orders I didnt do I had the tracking numbers emailed me I called XXXX reps and spoke to them fave them both tracking numbers they said its for an XXXX order I call the bank a complaint is filed on the XXXX the lady never processed me a replacement card so I waited a whole day and nothing was ever process so I called the second day and had to speak to another rep she put a dispute through another one because she didnt see the one from the XXXX because I wasnt processed another card then she process a card but she did it regular mail so I had to do it replacement express so I had to call a third time my issue is I got a provisional credit for the dispute on the XXXX not the XXXX the XXXX was made but the lady who I spoke to on the XXXX didnt see the dispute so she made me one then a little down the line she sees it and cancels the dispute on the XXXX but the XXXX is still here its now XX/XX/XXXX a week later before I was charged and I still aint get a provisional credit for the dispute on the XXXX they will be taking XXXX dollars back tomorrow but it doesnt make sense how a dispute was easily placed on the XXXX and a provisional credit was already provided the XXXX was cancelled so thats why they taking the provisional credit but I havent received nothing for the XXXX I just keep getting told its under investigation but yet nobody telling me how they process a provisional credit for the XXXX but not the XXXX doesnt make any sense to me and I need to figure this out because I called XXXX I called XXXX XXXX its tiring nobody is helping me with this stuff its frustrating because you think your bank has your back especially when you have issues and stuff but disputes wasnt even properly placed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: Kovo
State: KY

Complaint narrative:
In accordance with the fair credit reporting act! XXXX Account has violated my rights. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cawley & Bergmann, LLP
State: NY

Complaint narrative:
I am opening another complaint again Cawley & Bergmann , LLC. My previous complaint ( Complaint ID XXXX ) was " resolved '' when Cawley and Bergmann uploaded a letter intended for a different person for a completely separate complaint. I am not surprised to find that they have multiple complaints against them, and this further proves their lack of professionalism and follow through to make sure they are dealing with the correct person. Back between the years of XXXX my name was used in an online Ponzi  scheme called XXXX XXXX  XXXX In XXXX  I received a letter from a debt collection agency Cawley and Bergmann LLC supposedly to collect a court ruled fine. They only ever contacted me by mail. I continued to receive letters periodically. They showed up in different envelopes, printed differently, and different looking letterheads. They did not look official or professional in any way. The letters talked about my involvement in a Ponzi scheme I had never heard of, and a court case I had also never heard of nor been subpoenaed for. To date I have never received any court documents of any kind proving my involvement. I assumed the letters were a scam. At the end of XXXX of this year I received a letter from the local sheriff 's department stating that the above listed debt collector was using them to enforce the collection. I contacted Cawley and Bergmann and tried to get more information stating I was not involved and have not been shown any proof of the contrary. They told me to XXXX it and that they could not help me. When I suggested that someone else had used my name, they did not care that it was even a possibility. In May I received notification from my payroll department that the sheriff is enforcing a garnishment of my wages to pay for this debt that is not mine. I have recently filed an identity theft claim ( reference # XXXX ) and now a second complaint with the Consumer Financial Protection Bureau. I have never been provided any proof of my involvement other than my name listed in a PDF on a random website. Someone either used my name to create an account on this XXXX  XXXX  website, or it is possible this was something done by my late father with whom I share my name. Either way I should not be forced to pay for this court fine. I am also continuing to seek legal advice in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank of American sent me a credit card in the mail I never applied for. I received a physical card ready for activation and terms and conditions for the product. I never received any confirmation or communication about this product before getting the 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 non-monetary relief
Consumer complaint received 2023-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I HAVE REVIEWED MY XXXX CONSUMER CREDIT REPORT, I AM CHECKING ALL INFORMATION THAT IS IN ACCURATE I CAME ACROSS SOME ACCOUNTS SHOWING SAME NAMES TWICE FOR ACCOUNTS XXXX. WHICH IS XXXX XXXX XXXX IS SHOWING TWICE ALSO SHOWING ACCOUNT OPEN ACCOUNT # XXXX. SECOND ACCOUNT UNDER XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT SHOWING OPEN AS WELL. 
XXXX XXXX XXXX, ACCOUNT # XXXX XXXX XXXX XXXX  ACCOUNT # XXXX THERE ARE SOME DISCREPANCIES, INACCURACY, WITH THESE SAME ACCOUNTS. I HAVE A LETTER FROM XXXX XXXX  XXXX, STATING THAT THEY WILL OR HAVE ASK THE CREDIT REPORTING AGENCIES TO REMOVE THE ACCOUNTS FROM MY CONSUMER 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 non-monetary relief
Consumer complaint received 2023-07-18 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AK

Complaint narrative:
Without having an account at these two credit unions, XXXX and XXXX, going by what they told me over the phone when I called them, they have either removed my entire address history except for the address, I live at now, and even moved all of the mispellings of my name, but Experian refuses to remove the incorrect spellings of my name, and I have tried at least twice to get them to do that, and there has been enough time passed that should have been shown when I would login and go check! And my Lookout app, which monitors my entire situation on my phone here, has those incorrect informations, including the wrong addresses in it, but they demand that I have to go through this effort or more before they will remove the alert, though it is me, that would have to mark it all as, safe, but Im not going to mark it as safe when there is wrong information on there, obviously!

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