vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-19 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: TN

Complaint narrative:
A company is required to report accurate information on a consumer report. XXXX XXXX XXXX is using Coercion to try an make me pay for a debt not owed. They have reported false information on my consumer report without my consent or permission. I here by OPT-OUT of any assumed or presumed consent to share my nonpublic private information with 3rd party non affiliates. Any further reporting on my consumer repost will be a violation of Regulation P of the Code of Federal Regulation.

The original Creditor deals in securities and has failed to credit my account for the dividends made off the securities they hold in my name. This debt has been discharged in accords with the Securities Exchange Act and the Uniform Commercial Code. 

XXXX has 15 days to remove this inaccurate information from my consumer report or Form 211 will be filed to have the account audited and a form complaint will be made with the Securities Exchange Commission. My private information is copyrighted and you are infringing by using my information in Commerce in and attempt to profit off it's use. I will be filling a Federal Copry Right Law suit against your company also.

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: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to dis
close under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Delete this account. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Augusta Collection Agency, Inc.
State: GA

Complaint narrative:
A company noted as " AUGUSTA COLLECTION AGCY '' is reporting inaccurate and negative information to my personal credit report. I recently submitted a complaint and a dispute with the CFBP requesting the debt be legally validated with an original signed contract and invoice detailed why and how I owe them money. The company responded refusing to validate the debt with the original signed contract and invoice which is my right as a consumer to validate any debt that I am told I owe. The company stated " We have sent verification to the consumer '' I am not requesting verification - I am requesting THE ORIGINAL SIGNED CONTRACT BY ME AND THE ITEMIZED INVOICE DISPLAYING THE DEBT BREAK DOWN. Providing a debt collection statement will not suffice! Please cease all collection activity until legal and proper debt validation is provided.

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: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
LETTER!! 

15 US Code 5168cXXXX XXXX reporting agency that beck the reporting of any information in the of a comer that the consumer entfestion that from an alleged identity theft, not later than 4 busness days after the date of receipt has been 30 days and you are in VIOLATION of this law because I am a victim of destry the Please delete these items IMMED These accounts should not be famished on my consumer report as they are Under, 15 US Code 1181b Persible purposes of consumer reports tal c to subsection any consumer reporting agency may furaha mere following crcumstances and no other ( 2 ) in accordance with the WRITTEN INST come to whom it relates XXXX XXXX XXXX comme reporting agency WRITTEN CONSENT repert anything on my consumer report which violates my rights as a federal protected NO CONSENT IDENTITY THEFT. As a demanding the deletion of the courts Isted IMMEDIATELY

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my 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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not open these accounts and I strongly suspect that they are fraudulent.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
while reviewing my Equifax credit report I noticed multiple inquiries to my report that I did not make the inquiries in question are Certified Credit Report inquired on XXXX XXXX XXXX XXXXXXXX inquired on XXXX XXXX Inquired on XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per FCRA I contacted Equifax customer service to resolve this issue on XXXX at approximately XXXX hours I spoke to XXXX XXXX and informed him of the issue above. I was told by XXXX that ALL inquiries regardless who makes them are factual and can not be removed. I then inform XXXX that to not allow dispute of inaccurate information was a clear violation of FCRA law. 
I request that Equifax remove these inquiries immediately, I also request documentation to prove that Equifax is acting and maintaining compliance with the Fair Credit Reporting Act.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

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 confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency ma
y make any consumer report containing any of the following items of information 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 ) ( 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 2023-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc.
State: CT

Complaint narrative:
I received a collections notice from online information services dated XX/XX/XXXX in relation to a debt they said I owe to dominion energy services in the amount of {$1200.00}. 
Their letter states that the debt was owed as of XX/XX/XXXX. I asked XXXX XXXX XXXX XXXXor debt validation and they never provided it. I also advise the agent I spoke with that I had actually received a check in the mail from XXXX XXXX dated XX/XX/XXXX in the amount of XXXX for overpayment on the account in which they said I owed a balance. The agent laughed and hung up on me. I never heard from them again but they added a collections account to my credit bureau and this is having a negative impact on my credit score.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report 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 2023-07-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA

Complaint narrative:
I've been on the COVID XXXX forbearance plan for XXXX year getting ready to get off XX/XX/XXXX every 3 months I would talk to them about what it was going to be like when I got off and how it would affect my payments. After the first 6 months they told me that I would have to pay all the back payments split into XXXX equal payments and the original loan payment. Then at 9 months they told me no that's not true they just tack the money on to the end of the loan and business as usual you'll Play Your normal monthly mortgage payment and they will extend the terms out. Today they told me no I will have to pay lump sum {$15000.00} which is the total past due. Or I can do a loan modification which this is the first time I ever heard the word loan modification for a different interest rate. Never did I hear that they were going to change my interest rate which obviously is a much higher interest rate than XXXX then I currently hold. I would like them to keep the plan that they told me and just to start with my mortgage payment on the XXXX and business as usual

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: PNC Bank N.A.
State: MI

Complaint narrative:
hi- there was a fradulent cheque written on the business account- it is cheque number XXXX for XXXX on XX/XX/2023 PNC Bank XXXX XXXX XXXX XXXX XXXX XXXX michigan Police report number XXXX - XXXX XXXX police department XXXX XXXX XXXX I would like these funds returned to me as soon as possible As there is a very large amount of cheque fraud that is going on right now in XXXX XXXX- where someone is taking the cheques out of the mail box at XXXX mile and XXXX XXXX XXXX

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report.

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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Per Fair Credit Reporting act, all information on a report must be correct and factual. 
the following accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Has failed to provide and maintain accurate information on payment history, They have also failed to update the dispute statis of the most resent dispute within the allotted 30 day as required by FCRA

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am interested in processing disputes on my credit report to delete an remove all inaccurate information with trasnunion. checking my file ive noticed alot of errors that needs to be fixed. this has been an issue that ive addressed multiple times an have not changed. please review an remove the following information that needs deleted in th files submitted asap.

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: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Hello, There was a fraudulent charge made from my PayPal account to someone I do not know. My PayPal is under XXXX and I usually use it so that my son can pay on XXXX. The amounts are usually for {$4.00} or {$9.00}. But today, there was a payment of {$700.00} to XXXX XXXX. There was a {$25.00} fee associated with the transaction. I tried to dispute this with PayPal, however, PayPal immediately said that it looked like all my other purchase history so it was valid and they let the charge go through. I tried to contact my bank to make sure the transaction did not go through, but the bank said they have no say in money/currency being moved around via apps online. PayPal has now closed the " investigation '' which was a complete joke and now I can not dispute it further. Is there anything you can do to step in and assist? This is so ridiculous. I immediately tried to dispute this, minutes after it was submitted. I can't be any more diligent than that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I've had Wells fargo for my mortgage they have suddenly switched my mortgage to a XXXX Mortgage lender that appears to not be a good company. Besides that Wells fargo has recently increased my monthly mortgage by XXXX a month indicating from projections over the next year. My taxes are not raising and if they do once every few years it only adds up to less than XXXX for the year. So Wells Fargo is asking me to pay XXXX a year???? And all of sudden they switch this to the new mortgage carrier. I've been paying my mortgage for 21 years, it will be finished in less than XXXX as I used to pay XXXX a month? I've had so many problems with Wells Fargo but I should be able to pick who does my mortgage? They have tried to rip me off so many times.

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: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: NC

Complaint narrative:
I got a secured credit card with Us bank, I put XXXX dollars in the account was trying to build my credit and suddenly they closed my account without previous notification affecting my credit score for XXXX XXXX. So I called them to see whats going on, they said they cant verify my identity. So I sent them a copy of My driver license and social security, They never fix the problem, so I called them to Send my secured deposit back, and they refused to do it. So Im feeling discriminated because Im XXXX, they assumed the person on the the account its not 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
Consumer complaint received 2023-07-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
There have been numerous issues with communicating with PenFed Credit Union, using its website and most recently, the inability of PenFed to update my signature card online, via fax and even by sending a written letter ( which was rejected by PenFed - no explanation was provided ). 

They will not accept email. Their upload site doesn't work. Their fax machines don't receive faxes sent to them. My last option is to file this complaint to get PenFed to take action ( otherwise, they don't ) I have attached my signature card to this complaint. 

Resolution to this issue only requires that PenFed Credit Union accept my signature card and implement reliable methods of communicating with and receiving updates from its customers. This is not my first complaint about this Credit Union.

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 2023-07-19 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: TX

Complaint narrative:
I found inquiries on my credit that do not belong to 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
Consumer complaint received 2023-07-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I opened the Savings account at the Wells Fargo branch on XX/XX/XXXX. 
It was opened with the {$520.00} promotion. The requirements were : - Open a new Savings account by XX/XX/XXXX - Bring XXXX XXXX  or more in new money to the account by Day 30 after the account opening date - Maintain XXXX XXXX through Day 90 after the account opening date The corresponding promotion screenshots are attached. 

I fulfilled all the requirements above - opened the account- on XX/XX/XXXX - deposited - {$300.00} on XX/XX/XXXX, {$50.00} on XX/XX/XXXX, {$50.00} on XX/XX/XXXX, {$9600.00} and {$15000.00} on XX/XX/XXXX - {$25000.00} in total by XX/XX/XXXX - maintained that amount - by XX/XX/XXXX. 
See the attached statements. 

I didnt receive the bonus by the expected date. The Wells Fargo representative said I havent fulfilled all the promo requirements and become ineligible for the bonus. 
I raised a complaint to get more details on that. They responded that I didnt fulfill the XXXX XXXX deposit part. It turned out that they dont count deposits made on the first day, within the account opening as new money for that XXXX XXXX threshold. So they didnt count those {$300.00} I deposited on XX/XX/XXXX. 

I strongly disagree with that. I believe those {$300.00} deposited within the account opening must be counted under the promotion. 
The definition of new money ( see the attached screenshots for the promo details ) : New money is money that is new to the customer or new to Wells Fargo ( deposited into the customers new savings account directly from outside of Wells Fargo and Company and all affiliates, or from a Wells Fargo account not owned by the customer ). 
It does NOT say that money deposited within the account opening or later on the Day 1 is not counted as new money. 
Those {$300.00} I deposited on XX/XX/XXXX are new to Wells Fargo and were deposited in the account from outside. So it totally aligns with the definition above. 

I believe I fully fulfilled all promo requirements and should get that {$520.00} bonus. Otherwise, that promo should be treated as a false advertisement. 

Please investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief