vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-01 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: VA

Complaint narrative:
To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX  XXXX. XXXX ) I have not initiated any transaction with XXXX XXXX. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX for review or collection. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2022 I went to XXXX to get my TransUnion credit report. Everything processed properly and my report displayed. But when I tried to download it ( clicking the indicated button ), it took me to a PRINT screen, not a DOWNLOAD screen. I did not want to print ... I wanted to download ( as I have in the past ). I closed the PRINT screen and tried to use the online FAQs to find out how to download. There was no information in the FAQs on downloading. Then TransUnion DID NOT PROVIDE A " BACK '' OR " RETURN TO REPORT '' button, and when I tried to go back, TransUnion SHUT ME OUT AND RETURNED ME TO THE ORIGINAL SIGN-IN PAGE. When I tried to sign in again, I got the message that the report was already provided and I could not get it again. It was NOT provided and I do NOT have it and TransUnion does NOT show a way to download it. I tried contacting TransUnion directly online and got no reply.

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 2022-03-01 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: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
This happened on XX/XX/2022. 

I was at XXXX in XXXX, MN and I was looking to purchase a new bed. The salesman told me I can purchase the bed through a credit check. He told me it was a soft pull on my credit and didn't mention anything about going through a bank to pull my credit. He kept reassuring me it was a soft pull and I told him if it was a hard pull on my credit I did not want to do it. Ive been working on building my credit up the last 2 years to be able to get a house at the end on this year. And again, he said it was a soft pull. Now as a salesman of a business, he obviously has knowledge on all the products in store and has knowledge on doing credit checks for customers. So because he kept telling me it was a soft pull I went ahead for the credit pull. Not even a minute went by and I received XXXX notifications on my phone saying there is a new hard inquiry on my report. Under the FCRA laws, it states that the agency, business or individual was aware their actions would cause harm to you, but went ahead and did them anyway. Now how many other customers has he done this to? I would like to take further action on this salesman and the business.

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 2022-03-01 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: Vital Solutions, Inc.
State: VA

Complaint narrative:
I have had an ongoing issue with XXXX XXXX XXXX XXXX since this origination of this Lease with the XXXX XXXX XXXX. It seems that they continue to try to damage me and my credit worthiness. I've tried on multiply occasions to work with them, from them placing the wrong amount of miles on my lease to repossessing a car which I tried to return to them at their dealership, to not explaining taxes correctly and how they are paid with the lease to sending me a bill for over {$6000.00} and then damaging my credit. The account ended up with Vital Recovery Services which I finally agreed to settle with a 2 payment plan XX/XX/XXXX and XX/XX/XXXX and they have yet to send me settlement confirmation letter. I struggled to make these payments and placed my mortgage on hold to make this go away. The first payment, processed a little early so we had to reschedule it so we agreed managed to agree to same terms. However, we got it done and still I haven't heard from the representative or XXXX to say that it was complete. During this time, XXXX was still sending me statements showing I owed money and I was working with Vital Recovery too. Long story short, I paid Vital Recovery 2 payments of {$1200.00}. XXXX is still reporting that I owe money to them so when I called to follow up I explained that they are do a subpar job of following up with their Agency on my account and that they are damaging my credit and I asked who is responsible for updating my credit? The representative stated he didn't understand my question. However, I know who should and they have dropped the ball again. I advised then that I would be making another complaint about the mishandling of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: NE

Complaint narrative:
Company sued me, then won default judgement, then failed to properly file follow up paperwork causing their judgement to be dismissed in a fashion wherein it can not be collected or refiled with the court. Every six months company is required to file with court showing they have attempted to collect judgement. Company failed to do so, and is now attempting to collect a thrown out judgement that they keep referring to as a " debt ''. It is no longer a debt after it becomes a judgement. It is no longer a judgement either because it was thrown out by the courts for company failing their due diligence in properly attempting to collect and filing follow up paperwork with the courts. Company also continues to report this " judgement '' as a " debt '' to the credit bureaus even though it is no longer legal to double dip and get a judgement AND report to credit bureaus. Company has been underhanded since day one. They won a default judgement in XXXX and NEVER filed the proper paperwork every six months, as sometime in XX/XX/XXXX I received a notice from XXXX XXXX XXXX that the judgement had been dismissed for the company 's failure to comply with law on collecting judgement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01 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: EQUIFAX, INC.
State: MS

Complaint narrative:
Equifax is not responding to my disputes nor are they following federal laws regulating them in the Federal Fair Credit Reporting Act ( FCRA ) requiring them to perform an investigation, providing the results and methods of the investigation used. My file has many inaccurate and incorrect information on it, and this credit bureau has failed to respond to these complaints in a timely manner. It has been well over 45 days, so they can not say that they did not have enough time. I am aware of the fact that they are hoping I stop my complaints so they can continue to violate federal law and violate my rights under the FCRA. It should not be okay for an entity like this to be able to freely violate my rights under the FCRA. All of the disputed items in my dispute letter are based on factual information from the credit report, which they furnish.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: MO

Complaint narrative:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports and this complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 

XXXXXXXX XXXX  XXXX Balance {$1900.00} XXXX XXXX XXXX Balance {$990.00} XXXX XXXX XXXX Balance - XXXX  XXXX XXXX XXXX XXXX - XXXX XXXX XXXX Balance - XXXX XXXX Balance - Bankruptcy : Discharged XXXX Reference Number XXXX Amount :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: MO

Complaint narrative:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports and this complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX XXXX Balance {$1900.00} XXXX XXXX XXXX XXXX Balance {$990.00} XXXX XXXX Balance - XXXX XXXXXXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Balance - XXXX XXXX Balance - Bankruptcy XXXX XXXXdischarged Reference Number 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 2022-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LOGICOLL, LLC
State: KY

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Logicoll , LLC for committing identity theft. I have never given Logicoll , LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Logicoll , LLC can provide me with sufficient documentary evidence that I have a legal obligation to pay them. If this documentary evidence can not be produced and Logicoll , LLC continue its collection efforts, I will file for litigation for actual damages caused and Logicoll , LLC will be held criminally liable for aggravated identify theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of these documents herein and of its notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA

Complaint narrative:
With my previous mortgage servicing I was under the forbearance plan, my loan was then sold to community loan. it has been a struggle to get any communication with them. In XXXX I signed and returned my loan modification documents at the end of my forbearance plan, by signing this documents I was agreeing to the terms being provided to me, and I agreed that I would be able to make the monthly payments. My first payment ( {$1300.00} ) under this agreement would be due on XX/XX/22. upon logging into my account to make a payment, I noticed the amount due did not match the the payment ( {$1500.00} ) agreement I signed on the loan modification document. I have tried reaching out via emails, and phone calls and never get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: AZ

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process.The accounts are still inaccurate on my report which needs immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. Below are the accounts that are still reporting on my report : XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX : {$7000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1700.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$300.00}

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 2022-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
A fraudulent check for {$8700.00} was deposited against my account and paid by my bank, Truist. I opened a fraud claim with Truist but they have been totally unhelpful at local branches and I have had to wait over 3 hours on the phone to speak with a " representative ''. I am still waiting for the fraud case documents, supposedly being mailed to me. I will soon enlist the help of my attorney.

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 2022-03-01 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: Kriya Capital, LLC
State: FL

Complaint narrative:
Settled debt with company called " CREDENCE RESOURCE MANAGE ' in which they stated once paid they will remove from my credit report. Its been a month and its showing up on my credit report. Amount was {$300.00} - CREDENCE RESOURCE MANAGE XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XX/XX/XXXX someone without my authorization attempted to open an account thru Synchrony Bank. In XXXX of XXXX I was made aware of this due to my credit monitoring service. I contacted XXXX they recommended me to ask for inquiry deletion letter from the Synchrony bank. I was told by the Synchrony bank at that time that I was consumer and they would not provide me such documentation. I asked if they could send it to XXXX, they agreed. I waited the 60 days as instructed. I contacted XXXX and they did not receive it. I then repeated the process several more times. Still XXXX has not received it. I called today XXXX of XX/XX/XXXX to Synchrony bank they stated that they have in fact sent several letters to XXXX. They also stated that this did not negatively impact my credit. I told them that it did in fact negatively impact my credit. I asked if they could send me a letter they said no. They told me to contact XXXX. I called XXXX they told me to contact the Federal Trade Commission considering this was an ongoing problem. I spoke to the Federal Trade Commission today XXXX of XX/XX/XXXX. They stated that I should contact the Consumer Finance Bureau. 
I have been given the runaround from Synchrony Bank. They have made promises and have delivered nothing. This hard inquiry has deleted XXXX points from my credit report. I need your assistance in this matter please

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 2022-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I was charged for a purchased of over {$500.00} by XXXX XXXX on XXXX and didn't receive anything from the company, I've tried contacting them and they won't respond to my request for a refund. I now believe this company XXXX is a scam company and I contacted my credit card company today ( XXXX ) and they will not help me either with the dispute. I think my credit card company barclays is involved with helping them steal from me. Barclays refuse do dispute this matter I've contacted them to resolve. I believe you should also investigate barclays, as they always help the merchants steal from the customers, this is not my first theft that barclays did to me. There should be strict laws against helping merchants steal from consumers and these companies license should be revoked for fraud.

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 2022-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I went into the TD bank XXXX in XXXX fl I went in desperate to get a new bank card due to the fact that there was fraud going on in my account the gentle man was being rude and said oh no I cant give you a card because your Id XXXX XXXX XXXX XXXX XXXX I need to use my money I left very upset told him he was being an XXXX and didnt want to help me I went into the drive thru of the same bank and the gentleman helped me out with my ID expired he still gave me 100 $ out of my account the next day I tried to use my bank account and it was on hold apparently the manager XXXX XXXX had put the hold on my account she took the time to dig into it once I left to get back at me she put a hold on my account and said I had a previous account that I owe XXXX I gave birth XXXX on the XXXX I callled and put my account on a credit status not having a lot of money but had no choice if I didnt pay they wouldnt release the funds its now XX/XX/XXXX still not able to use my money and I allready payed the money I called the branch because the recovery team told me they are the only ones who can remove the hold spoke to XXXX XXXX again and she told me shes the one who put the hold because of how I was rude with teller I said how can you do some like that shes like you want me to help you or not? Over the phone then she stated she will call me back once she found out whats happening now my water has been disconnected due to non payment because Im not able to pay because my account its been on hold this has cause me such a frustration and my kids not having water to shower its been crazy with a new born I dont think this is how people should be treated at all!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XXXX XXXX, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet.I feel like I am being taken advantage of and being ignored of my disputes.Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to stress you cause 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 non-monetary relief