vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-21 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: DE

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
I had to get a XXXX done a XXXX to be exact due to XXXX XXXX  the procedure happen on XX/XX/2022 and wells fargo didn't give me any hardship for my credit card payments forbearance for not making my credit card payments i explained to them that my XXXX  was 8 weeks and they didn't care and reported my credit card payments late i attached my XXXX documents below

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 2022-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
On Sunday, XX/XX/2022, I was made aware of eight fraudulent charges placed with my debit card to my checking account with Ally Bank. The total of these charges came to {$970.00}. 

My Ally debit card has been " locked '' from use via their app for several months, but somehow these charges all went through and drained my checking account for almost {$1000.00}. 

I contacted Ally Bank on XX/XX/XXXX and opened a dispute on two of the charges that had already posted to my checking account. 

As of today, XX/XX/XXXX, all eight charges have posted to my account and I've disputed all of them. Only three of these fraudulent charges have been credited back to my account. I'm still out {$570.00} and waiting to be credited. 

This has been a frustrating experience compounded by Ally 's increased phone support wait times consistently being above 60 minutes. A quick search on online forums show I'm not the only customer that's recently experienced multiple fraudulent charges, and yet Ally has remained silent and not acknowledged that a good number of their customers have been impacted. 

I've been with Ally for over 5 years, but in this case Ally has been no ally. It's definitely time to look at other banking options.

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 2022-08-21 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: DE

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: DE

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2022, I was the victim of a scam that was very sophisticated, impersonating the XXXX XXXX XXXX XXXX ( XXXX ) in XXXX, FL and telling me that I had failed to show up for a court appearance on XX/XX/XXXX and had to immediately pay {$3000.00} or be arrested and have a bond of {$30000.00}. I was completely unaware of this supposed court appearance but because I had been involved as a board member with a set of two organizations ( XXXX XXXX XXXX XXXX and XXXX XXXX ) that has a long and contentious legal battle, it did not seem implausible that I had been summoned to testify. I could not understand why the summons never appeared at my office -- that didn't make any sense. 

I did all my due diligence on the phone with this person who i genuinely believed -- because he had all this accurate in depth information. I ask the person who called for his badge number, making sure there was someone by that name employed at the XXXX. I then asked for his supervisor 's name and he transferred me to that person who also provided me with a badge number. They had citation numbers for me on what they were threatening arrest for. It was a very sophisticated scam and every fact checked out. These scammers had my office address, citation numbers, and very threatening language. 

The person impersonating the XXXX deputy insisted that I had to pay this money in cash or by XXXX or apple pay. I tried to do so to avoid being arrested and kept getting back responses from them that the XXXX financial department. Ultimately I ended up losing {$7000.00} to this sophisticated scammers, money that I had to take from my small business payroll account. 

I filed a crime report with the XXXX XXXX XXXX XXXX, which I can provide for you. 

On Sunday XX/XX/XXXX, I called Bank of America who is the bank that processed the payment through XXXX and XXXX and explained that there was a police report documenting all of this and this type of scam is not very well known and I was trying to avoid getting arrested. We have been 20+ year customers there and I have five accounts with them -- personal checking, personal savings, two accounts for our children, and a business account. They told me there was nothing they do to help us. This really feels unsatisfying given our long term relationship with BOA, the crime report, and the sophisticated nature of the scam, which provided so many realistic details. I truly believe BOA could reverse these payments in the interests of doing the right thing for a long term customer.

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 2022-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
There is a verified account with XXXX followers on XXXX  called XXXX XXXX and had good reviews about buying a XXXX. My boyfriend wanted one really bad so I messaged them for more information about it. After discussing information they gave me their Zelle to send {$550.00} to. After it was sent they stated I will get a confirmation number at 3 that day. It now becomes 6 and I keep messaging them to get no response. And now Im blocked. I call XXXX and they stated to contact zelle. Zelle tells me to contact chase. XXXX then says we cant do anything about it. Sorry for your loss. I have the messages and everything about the XXXX and name of the person and phone number but nothing they can do??? This all occurred XX/XX/XXXX. Would love if we could upload photos.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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:
Several disputed items remain on my credit report as of today XXXX XXXX. 
1. XXXX XXXX XXXX shows over 30 days past due for XXXX and XXXX updated on XX/XX/XXXX. Attached is the car title dated by the state of Florida for XX/XX/2022 supporting my claim that there is no past due or balance due on this account for XXXX and XXXX. Especially considering that the time to pay off the loan and receive the title from the state is at minimum 30 days. 
2. Department of EducationXXXX shows account closed due to transfer. This account is not a transfer but part of a loan forgiveness acquired last year. The document is attached to this complaint. 
3. In XXXX there are 8 hard pulls on my credit from 3 mortgage companies. Four from XXXX XXXX XXXX XXXX Two from XXXX, Two from XXXX. Due to the current market, trying to buy a home is a long process requiring my prospective mortgage companies to update my file over several months. Any adverse effect on my credit should be removed.

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 2022-08-21 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: GA

Complaint narrative:
I'm reporting the case # XXXX completed by XXXX in Global consumer services/Equifax. It's recorded me stating " Equifax to being dismissive and deceptive, and she answered, agreeing, I know ''. This case consisted of a number of dialogues between me, representatives, agents, supervisors and supervisors in charge from the XXXX  of this month regarding the reporting and accounts that were promised to be deleted. Me exerting my consumer rights, rightfully. However, I asked for a case # to be provided to me from the dispute # XXXX on the XXXX of XXXX initiated without my knowledge or authorization from the supervisor, XXXX from Equifax. Also, to include how the customer service I experienced consisted of bait-switch tactics and interference regarding my consumer report. I was only granted a suggested date of the XXXX of this month, XXXX, only creating a case from call logs from the XXXX of XXXX, instead of the XXXX of last month as I requested. Now, it was stated to me on XX/XX/XXXX that 23 accounts from XXXX XXXX XXXX  were to be deleted and it received a confirmation # of deletion, with reassurance from the supervisor in charge, XXXX. Who agreed that they were to be deleted. They have not been deleted as promised! Instead, I have received excuses, misinformation, misguidance, negligence, and interference. No valid reason to why my account is not reporting truthful and accurate, even upon reinvestigation ( s ). Equifax is reporting incorrect information on my credit report via error code reporting and inaccurate credit score. My consumer rights are definitely being violated to the upmost. They're willfully being unfair, negligent, deceptive and interfering with my right to an accurate consumer report and diminishing my creditworthiness by doing so. I am lawfully demanding monetary relief for all the consumer laws broken by Equifax. 

Rights violated to the fullest extent by, Equifax.

FDCPA SECTION 806 FDCPA SECTION 808 CONSUMER LAW 15. U.S CODE 1681s-2 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: DE

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-08-21 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: IL

Complaint narrative:
On my credit report with XXXX it shows I have 14 accounts/ loans. 
My loans have been in forbearance and/ or a {$0.00} payment re-payment plan. 
My account shows that the loans were late but I never had a payment due because I didnt have a payment. 
I have spoken to XXXX many times and they said that they can not undue the mistakes that someone else made on my account because they can not verify what that person said. But the fact of the matter is I never had a payment to make. 
I have requested that the three credit bureaus investigate the accounts many times but the accounts are never corrected and the late/ missed payment reporting still shows. 
Now that the account is closed I can not do anything. 
This information is hindering me from be able to securing funding and operate my business. 
In accordance to 15 U.S.C. 1681a 602a the information furnished and being reported is inaccurate and causing tremendous burden.

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 2022-08-21 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:
In accordance with the fair credit reporting act account XXXX XXXX account # XXXX collections has violated my rights .This is not my account and needs to be deleted from my credit report. and was done under my name without knowledge. Im going through XXXX with my wife and trying to buy a home. This is affecting us heavily. 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.Ive also filed theft report to have matter deleted and previous cfpb complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: NY

Complaint narrative:
In accordance with the fair credit reporting act account XXXX XXXX account # XXXX collections has violated my rights .This is not my account and needs to be deleted from my credit report. and was done under my name without knowledge. Im going through XXXX with my wife and trying to buy a home. This is affecting us heavily. 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.Ive also filed theft report to have matter deleted and previous cfpb complaint.

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 2022-08-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: NH

Complaint narrative:
i have been attempting to pay my student loans from the years XXXX i attended XXXX XXXX. i also had individuals close to me falsify my name and use me for what i thought was a grant/deposit from my college after having paid my tuition. bottom line, i can not afford to pay the amount owed and my entire credit profile/debt/stress/inability to obtain basic items is in jeopardy. i am a XXXX XXXX XXXX XXXXXXXX, a man who has been getting " bullied '' and harassed for years by debt collectors/con artists etc. i can explain more however i am respectfully requesting that my entire deb in full to the company known as navient, formerly sallie mae, be forgiven based on my public service and my disabilities and my inability to pay unless i declare bankruptcy or am able to collect back pay from the dept of veterans affairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: EQUIFAX, INC.
State: DE

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: CA

Complaint narrative:
I am a natural person, I am a living human being, I have the rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and i did not give Equifax written permission to furnish these accounts. 


Accounts : XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: LA

Complaint narrative:
My rights as a consumer and original creditor has been violated due to the improper use of my consumer report. Im unable to obtain any type of financial assistance due to this.

According to the FCRA 15 USC 1681a ( 2 ) exclusions stating the consumer report does not report containing information solely as to transactions or experiences between the consumer and the person making the report ; All the collection accounts have late payments that continuously keep reporting, along with a balance. Ive recently filed a complaint, it was completed but no items have been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
Unauthorized inquiries on my credit report CB Indigo XX/XX/22 Ive attempted to make contact by mail and phone. Ive received no response by mail. Phone calls are consistently disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: CBC Companies, Inc.
State: CO

Complaint narrative:
Reported to the Credit bureaus as 6 hard inquiries that impacted my credit score from XXXX XXXX XXXX XXXX in which was XX/XX/XXXX and also from the same company XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX and Date of inquiry XX/XX/XXXX. Also, Factual Data in which the date of inquiry was XX/XX/XXXX, XXXX XXXXXXXX, the inquiry date was XX/XX/XXXX, XXXX XXXX BANK XXXX, the inquiry date was XXXX and XXXX XXXXXXXX XXXX XXXXXXXX the hard inquiry date was XX/XX/XXXX. XXXX XXXXXXXX Bank and XXXX have recognized credit companies but are unauthorized to access my credit report for this reason. For all hard inquiries mentioned above, I didn't give the company authorization to access my credit report for this reason. All 6 hard inquiries from the companies have been reported as a dispute and submitted to the credit bureaus. The dispute confirmation number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: MO

Complaint narrative:
Transunion is not conducting investigations of any sort. In a previous complaint, I submitted documents from their known vendors such as XXXX and XXXX that no public record was reported to the organization. I also supplied a court letter that was most recently sent to me. After seeing Transunion state that the public record was verified by the courts, allow me to resend a court letter that was sent in previously to Transunion directly in which they state my claim was frivolous. 

Transunion appears to be willing to intentionally keep consumer credit reports low by maintaining unverified information.

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