vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-28 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: GA

Complaint narrative:
This company is reporting inaccurate dates of payments made there claiming I havent made no payments in the pass 8 months and I have Receipts showing where I was making payments XXXX XXXX was made XXXX XXXX was made and XXXX was paid on XXXX and those moths they claim no payments was made

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 2022-11-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: UMB FINANCIAL CORPORATION
State: NY

Complaint narrative:
Without any prior notice, XXXX XXXX XXXXUMB Bank ( merger ) canceled our health savings account debit card, and blocked access to our funds through their website. We were unable to pay our XXXX premiums and other health related medical and dental bills. They refused to reply to our concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: WA

Complaint narrative:
XXXX XXXX XXXX 
Acct XXXX XXXX XXXX XXXX XXXX 
Acct # XXXX XXXX XXXX XXXX 
Acct XXXX XXXX XXXX XXXX XXXX XXXX 
Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX Has violated my rights. 
15 USC 1681 Section 602A. StatesI have the right to privacy.

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

15 USC 1681C ( a ) ( 5 ) section.

States : No consumer reporting agency may make any consumer report containing any of the following items of information. Other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681S 2 ( A ) ( 1 ) 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.

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 2022-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX XXXX XXXX 
Acct XXXX XXXX XXXX XXXX XXXX 
Acct XXXX XXXX XXXX XXXX XXXX 
Acct XXXX XXXX XXXX XXXX XXXX XXXX 
Acct XXXX XXXX XXXX XXXX XXXX  Acct XXXX XXXX Has violated my rights. 
15USC 1681 Section 602A. StatesI have the right to privacy.

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

15 USC 1681C ( a ) ( 5 ) section.

States : No consumer reporting agency may make any consumer report containing any of the following items of information. Other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681S 2 ( A ) ( 1 ) 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.

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 2022-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
RESURGENT CAPITAL SERVICES received a request to validate the alleged debt and to provide the name and address of the original creditor per Title 15 U.S. Code 1692 on XX/XX/2022 from us. RESURGENT CAPITAL SERVICES responded and was received on XXXX XXXX stating that the " enclosed account summary provides verification of debt ''. No proof has been given per Title 15 U.S. Code 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
hey please remove all accounts I just pull up my report and I notice this all account is not mine.

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 2022-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FISERV FINXACT CORE
State: TX

Complaint narrative:
I attempted to pay my rent at XXXX through XXXX on the XXXX. XXXX somehow messed up my payment and sent it through CheckFreePay also known as Fiserv, so it was sent to the wrong biller. XXXX and myself, upon realizing the mistake, both contacted CheckFreePay to request a refund on the XXXX. CheckFreePay said they couldn't do anything until XXXX, who are the biller approve and send the refund. I contacted XXXX to get this process started and XXXX approved and processed the refund to CheckFreePay on the XXXX. Now CheckFreePay is telling me that they can't process the refund until they recieve the money from XXXX, but XXXX has already processed the refund and it says in there system it has been successfully sent. XXXX has even called CheckFreePay on my behalf to confirm this information. CheckFreePay isn't giving me a timeline or anything for the refund and keeps telling me XXXX hasn't approved it, even though it's been documented several times that XXXX has approved the refund. XXXX can't process the refund either until CheckFreePay approves it. Essentially my money is sitting in limbo somewhere with CheckFreePay and they aren't doing anything to help me at this point, they keep making escalation tickets and telling me they'll call me back but never do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: PA

Complaint narrative:
in accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : XXXX XXXX XXXX, XXXX Act Name : XXXX XXXX XXXX XXXX Act Name : XXXX XXXX, XXXX XXXX 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 instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.

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 2022-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Rodenburg LLP
State: MN

Complaint narrative:
I first contacted the company, Rodenburg Law Firm, on XX/XX/2022, after being receiving a garnishment notice from XXXX on behalf of my employer. I immediately emailed Rodenburg Law Firm a signed and filled out exemption form from the State of Minnesota the same day, XX/XX/XXXX. I called Robenburg Law Firm the same day to confirm their receipt of the email that included the exemption form and they confirmed they received it and will forward it for review. At the time, I was presented with two options. One option was to wait for them to work with the county to confirm the exemption and the second option was to send in proof myself. This was in regards to me proving that I received rent assistance from XXXX Balance Program ( case ID XXXX ), which would make me exempt from my funds being garnished. I went with the first option, as I just sent the same exemption form to Rodenburg back in XX/XX/2022 when they initially tried to garnish my funds. Back in XXXX Rodenburg sent a release to ADP to stop the garnishment with no issue, so I figured the same would apply in XXXX. 

However, this was not the case, as I contacted Rodenburg on XX/XX/2022, for an update on the release. I was then advised that XXXX XXXX XXXX XXXX in Minnesota in which I received rent assistance in ) said I was no associated with the case ID ( XXXX ). Again, I had received a release using this same case number back in XXXX. I was then told to send in any proof that I received assistance to Rodenburg directly. I sent in all the documentation I could find on XX/XX/2022. I was not the main applicant, but I am on the lease and I am listed as a household member on the application for assistance ( meaning my info was used in the decision making process ). This included the application ( showed the address, case number, and applicant 's name ), the section that showed household members ( my name was listed along with my children and the main applicant ), a copy of the lease ( showing my name and the main applicant 's name ), and an email confirmation showing we were approved for assistance. 

I followed up with Rodenburg today, XX/XX/2022 and they still refused to acknowledge my exemption. If I'm on the lease and on the application, how am I not a recipient of relief based need? My information was used in the decision making process on if we qualified for assistance. Also, I am everybit as liable for the lease as the primary applicant, meaning if we were evicted it would go on my record. So any payments for that lease are also for me directly. 

On XX/XX/2022, over {$470.00} was garnished from my check after I already told them I was exempt. I am currently the only working adult in my household and this is causing a great hardship, especially during holiday season.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: GA

Complaint narrative:
This company is reporting inaccurate dates of payments made there claiming I havent made no payments in the pass 8 months and I have Receipts showing where I was making payments XXXX XXXX was made XXXX XXXX was made and XXXX was paid on XXXX and those moths they claim no payments was made

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 2022-11-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This company is reporting inaccurate dates of payments made there claiming I havent made no payments in the pass 8 months and I have Receipts showing where I was making payments XXXX XXXX was made XXXX XXXX was made and XXXX was paid on XXXX and those moths they claim no payments was made

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2022 XXXX bank withdrew {$2400.00} from my account for check # XXXX written on XX/XX/2022 to XXXX. On XXXX XXXX XXXX bank withdrew {$180.00} from my checking account for my check # XXXX made out to XXXX XXXX. The checks were deposited at Bank of America and cleared through XXXX. In both cases the endorsements that Bank America cashed were not the payees I had designated. Check # XXXX was endorsed by " XXXX XXXX '' and check # XXXX was endorsed by " XXXX XXXX ''. I filed claims to get both amounts back ( as I was told would happen by XXXX ) in early XX/XX/2022. I have called XXXX just about every week since then and get the same answer each time that they can't do anything and I have to wait until Bank AMerica responds to their letters. There has been no response from Bank America other than they acknowledge getting the claims. It has been 5 months now with no action.

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 2022-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I reached out to XXXX XXXX on or around XX/XX/2020, regarding a previous lease account that was showing as derogatory on all three ( 3 ) of my Credit Reports. The lease in question was returned XX/XX/2020, as having been satisfied and paid as agreed. However, my ( 3 ) three credit reports are now reflecting circumstances that are not accurate at all. The report reflects some of but not limited to the following, XXXX - ( XXXX off ), TransUnion- ( XXXX off as bad debt ) and XXXX - ( Account now redeemed/was a repossession ). 

The representative I spoke was unable to find the account ; would subsequently request a supervisor to facilitate the matter further. The supervisor concurred with everything that I stated, however said that XXXX XXXX could not facilitate any removal of items from my credit report, but a letter would be generated and mailed to me so that you may contact the credit reporting agencies myself. I have yet to receive said letter. 

XXXX. XXXX in case of disputed accuracy [ XXXX XXXX. XXXX ] ( a ) Reinvestigations of XXXX XXXX ( XXXX ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Please see the attached files where you will find all underlined or highlighted discrepancies.

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 2022-11-28 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: NC

Complaint narrative:
I reached out to XXXX XXXX on or around XX/XX/2020, regarding a previous lease account that was showing as derogatory on all three ( 3 ) of my Credit Reports. The lease in question was returned XX/XX/2020, as having been satisfied and paid as agreed. However, my ( 3 ) three credit reports are now reflecting circumstances that are not accurate at all. The report reflects some of but not limited to the following, Equifax - ( Charge off ), XXXX- ( Charge off as bad debt ) and XXXX - ( Account now redeemed/was a repossession ). 

The representative I spoke was unable to find the account ; would subsequently request a supervisor to facilitate the matter further. The supervisor concurred with everything that I stated, however said that XXXX XXXX could not facilitate any removal of items from my credit report, but a letter would be generated and mailed to me so that you may contact the credit reporting agencies myself. I have yet to receive said letter. 

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Please see the attached files where you will find all underlined or highlighted discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: NC

Complaint narrative:
I reached out to XXXX XXXX on or around XX/XX/2020, regarding a previous lease account that was showing as derogatory on all three ( 3 ) of my Credit Reports. The lease in question was returned XX/XX/2020, as having been satisfied and paid as agreed. However, my ( 3 ) three credit reports are now reflecting circumstances that are not accurate at all. The report reflects some of but not limited to the following, XXXX - ( Charge off ), XXXX- ( Charge off as bad debt ) and Experian - ( Account now redeemed/was a repossession ). 

The representative I spoke was unable to find the account ; would subsequently request a supervisor to facilitate the matter further. The supervisor concurred with everything that I stated, however said that XXXX XXXX could not facilitate any removal of items from my credit report, but a letter would be generated and mailed to me so that you may contact the credit reporting agencies myself. I have yet to receive said letter. 

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Please see the attached files where you will find all underlined or highlighted discrepancies.

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 2022-11-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I prepaid for a rental car through the capital one venture card travel portal on XX/XX/22 for {$240.00} and the statement shows my remaining balance will be {$100.00} upon arrival. However, I was doubled charged for the amount in addition to a deposit that I wasnt informed about, plus the remaining fees. I reached out to Capital One to inform them about the payment issue and informed XXXX and XXXX at Capitol One that XXXX does not show payment that my credit card was authorized for which I have written documentation and a snapshot that it was prepaid with Capital One. Due to this issue, it ruined my vacation experience due to the bait and switch tactics, not getting this issue resolved in a timely manner and paying more than what I agreed to pay prior to renting vehicle and now not being able to get the points incentive for booking through Capital One Travel.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
hey please remove all accounts I just pull up my report and I notice this all account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: CORELOGIC INC
State: CA

Complaint narrative:
There is some inquiries in my credit file witch is not done by me details are below XXXX ( Bank ) XXXX XXXX, 2022 XXXX XXXX ( Bank ) XXXX XXXX, 2022 XXXX XXXX  XXXX XXXX Bank ) XXXX XXXX, 2022 XXXX XXXX ( Miscellaneous ) XXXX XXXX, 2022 XXXX XXXX ( Bank XXXX XXXX XXXX, 2022 XXXX XXXX ( Miscellaneous XXXX XXXX XXXX, 2022 XXXX XXXX  XXXX ( Bank ) XXXX XXXX, 2022 CREDCO  XXXX XXXX, 2022 XXXX XXXX XX/XX/ 2022 XXXX XXXX XXXX XXXX XXXX, 2022 XXXX - XXXX XXXX  XX/XX/ 2022 2022

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 2022-11-28 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: IL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b 1. XXXX XXXX  Account Number : XXXX XXXX. XXXX XXXX  Account Number : XXXX XXXX. XXXX Account Number : XXXX

Company response to consumer: Closed with explanation