vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Revolut Technologies Inc.
State: TX

Complaint narrative:
I made a transfer by mistake and immediately contacted revolt to recall the transfer. After speaking with several agents that instructed me to unsend the transfer or recall the transfer They stopped responding when I sent them screenshots of the recall transfer option not working. You click it but nothing happens. As for the unsent option it does not exist. This is when communication stopped each time even when I sent an excerpt from your website clearly saying that I had the right to cancel within 30 minutes they did not respond

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 2022-02-24 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: IL

Complaint narrative:
I noticed unauthorized inquiries on my credit report. Someone else must have applied in my name and according to the Fair Credit Reporting Act these unverified & unauthorized inquiries must be removed immediately. 

XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX -XXXX XXXX -XXXX XXXX XXXX XXXX XXXX -XXXX XXXXXXXX XXXX XXXX XXXX -XXXX XXXX -XXXX XXXX XXXX XXXX -XXXX  XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX  XXXX -XXXX XXXX  XXXX XXXX XXXX XXXX XXXX -XXXX XXXX -XXXX XXXX  XXXX -XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX  XXXX -XXXX XXXX XXXX -XXXX XXXX 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 explanation
Consumer complaint received 2022-02-24 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX/ XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

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.

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 2022-02-24 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX/ XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: PA

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. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: PA

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. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX 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 2022-02-24 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 

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.

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 2022-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MAGGUILLI LAW FIRM, PLLC
State: NY

Complaint narrative:
HAD a hospital bill that was paid in full. XXXX XXXX 's XXXX  has no record of a bill in collections and all bills are paid in full. Magguilli law firm continues to harass and add fees to an account THEY have but will not provide specifics for what it is for. It was closed on XXXX because they failed to provide proof of an existing bill from the hospital and continue to add {$1.00} everyday it's not paid. When I asked for specifics what it's for they want to call me back and don't. They are rude and unreasonable. I also filed a complaint with the attorney general and the XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UMPQUA HOLDINGS CORPORATION
State: CA

Complaint narrative:
I disputed a charge on my Umpqua Bank Checking account from a motel I stayed at back in XXXX of 2021. They said they would credit my account after I submitted photos of the motel which I did and they credited my account back. In XXXX I went in to a XXXX Oregon branch to close my account since there is no local branch where I live. The teller noted the pending and said she want to " get the transaction right '' when she gave me the cash. She said my account would be closed by the next business day but instead she had overdraw my account. I tried to resolve this with umpqua bank but they refused and then they debited back the amount from the previous motel dispute. increasing the overdraw and adding nsf fees and refusing to listen to me. They then locked me out of my online access and turned me over to collections.

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 2022-02-24 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: TX

Complaint narrative:
I HAVE NEW UPDATED INFORMATION!!!!!!! 
I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF EQUIFAX NEEDS MY AUTHORIZATION TO PROCEED, THEN EQUIFAX HAVE MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. 
I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, filed a complaint about EQUIFAX on XX/XX/2022. In your CFPB response to complaint XXXX and XXXX, you stated that you needed more time to investigate these violations that have taken place. This is very confusing to me because, had a reasonable investigation taken place, you should have on file the items you say was verified and the items I requested in my previous letter. Due to this information not being presented and you needing more time to investigate, it is my belief that you disregarded my right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ) with your unfair reporting of this erroneous information without first consulting with me, the consumer in which the report relates. You have no proof that this transaction even took place. You have not insured that you exercised your grave responsibility to be impartial by infringing upon my rights to privacy by having a conversation about me to a third party and parroting the information given to you by this third party without my written instruction to do so. I am demanding that this item be removed as soon as possible. Pursuan to 15 USC 1681 ( b ), you didn't meet the needs of commerce because this was not fair and equitable to me regarding confidentiality, accuracy, and proper utilization of this information. As a consumer reporting agency, as defined under 15 USC 1681 ( f ), assembling consumer credit information for monetary fees for the purpose of furnishing consumer reports to third parties, it is your duty to adopt reasonable procedures for meeting the needs of commerce. Unfair credit reporting undermines the public confidence which congress has made clear, is essential to the continued functioning of the banking system.

Pursuant to 15 USC 1681a ( d ) 2, a consumer report should not include any of the following : ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

As defined by congress in 15 USC 1602 ( L ), the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services. A transaction was authorized by my credit card. Anytime my social security card, the real credit card, is used, that account shall be excluded from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: CA

Complaint narrative:
Hello, Please help me. After years of waiting on XXXX to remove an incorrect 30 day late I am growing frustrated and XXXXXXXX XXXX lack of knowledge and care about correcting a wrong delinquent charge is stressing me out and it is their responsibility to adjust this and yet I have been waiting years with no results promised to me. 

Covid has hit and I have been unable to reach proper departments and I have sent letters and spoken to agents in the past who have assured me that an error on the part of the merchant would be corrected after I provided proof of that letter to XXXX. The 30-Day late REMAINS on my credit report, which also affects my nephew who is a JOINT holder on this account. 

XXXX is being extremely lazy and irresponsible, they are ignoring my multiple requests for correction and ruining 2 separate humans beings ' credit reports. I have perfect credit and always have, this is absolutely torturing me and no one at this company does what they say. 

I will sue very soon because they had 30 days to correct this, I was told by multiple agents the change would be done within the end of the month years ago and it is still there! 

Please, pull my phone calls, check the email communications between myself, my nephew and XXXX and retrieve the letter from XXXX XXXX XXXX which takes full responsibility for incorrectly charging another clients services on my credit card on file and my account because those clients had the same last name as me. I was not there, I was not aware and this is absolutely unfair on my credit report. I have spoken to multiple people and so has my nephew and nothing has changed! Because I never charged anything or authorized any charges this payment went unseen until my credit report tanked and so did my nephews, yet it was not our fault. 

FORCE XXXX TO DO THEIR JOB, 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 2022-02-24 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: CA

Complaint narrative:
Hello, Please help me. After years of waiting on XXXX to remove an incorrect 30 day late I am growing frustrated and XXXX 'S lack of knowledge and care about correcting a wrong delinquent charge is stressing me out and it is their responsibility to adjust this and yet I have been waiting years with no results promised to me. 

Covid has hit and I have been unable to reach proper departments and I have sent letters and spoken to agents in the past who have assured me that an error on the part of the merchant would be corrected after I provided proof of that letter to XXXX. The 30-Day late REMAINS on my credit report, which also affects my nephew who is a JOINT holder on this account. 

XXXX is being extremely lazy and irresponsible, they are ignoring my multiple requests for correction and ruining 2 separate humans beings ' credit reports. I have perfect credit and always have, this is absolutely torturing me and no one at this company does what they say. 

I will sue very soon because they had 30 days to correct this, I was told by multiple agents the change would be done within the end of the month years ago and it is still there! 

Please, pull my phone calls, check the email communications between myself, my nephew and XXXX and retrieve the letter from XXXX XXXX XXXX which takes full responsibility for incorrectly charging another clients services on my credit card on file and my account because those clients had the same last name as me. I was not there, I was not aware and this is absolutely unfair on my credit report. I have spoken to multiple people and so has my nephew and nothing has changed! Because I never charged anything or authorized any charges this payment went unseen until my credit report tanked and so did my nephews, yet it was not our fault. 

FORCE XXXX TO DO THEIR JOB, 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 explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: MD

Complaint narrative:
My mortgage lender is BSI Financial ( https : //www.bsifinancial.com/ ) and not by choice. 1 month after buying our new house XX/XX/XXXX we were automatically switched to BSI after starting with XXXX XXXX XXXXXXXX ( XXXX ). 

I received a delinquent tax notice XX/XX/XXXX from my county department of taxation/budget/finance saying my property taxes were not paid XX/XX/XXXX and we now have accrued a late charge. 

I contacted BSI and they could not explain to me why it wasn't sent back in XX/XX/XXXX, but that they would make sure they do it. They sent a check for XXXX on XX/XX/XXXX, after the tax notice came through, even though now XXXX due to the late charge. 

I am upset that they did not pay my property taxes on time in XX/XX/XXXX. Because they use a 3rd party to send the money, BSI can not give me an estimate as to when the county government will receive the property tax payment. Another late fee will be charged in XXXX. I called the govt office today, they have not received the XX/XX/XXXX payment from them as of today. 

I am frustrated that I am paying this mortgage lender plenty of money to make sure taxes are paid and they did not do it. BSI says they will pay for any late charges accrue due to this, but ultimately I know I still pay for it in the end. I am sure an escrow analysis will be done next year and it will show that there were not sufficient funds to cover XXXX taxes so they are charge more for escrow. They are also going to report it as ME BEING the reason the taxes are late to credit bureaus and it can not affect my credit score. 

The problem with these mortgage companies is it's hard to get out of the contract without having to dump a lot of money in another one to refinance. 

Again it's completely frustrated that I am the one suffering the consequences for no reason whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: IL

Complaint narrative:
I recently got a letter from Debt Recovery Solutions LLC saying I have a debt for {$890.00}. 
This debt doesnt belong me I havent done business with this company for me to have a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: THE GUERRINI LAW FIRM
State: CA

Complaint narrative:
I do not believe that I am the original debtor. I am requesting that XXXX validate the debt and provide the original documents. 

Fact - background In XXXX  of XXXX, I was informed by my employer that XXXX XXXX was planning to garnish my wages and provided me with a court date that was within the same week. I was never called or given notice via mail of the pending legal actions ( I recently became aware that they were sending information to an address in XXXX where I have never lived ). I reached to XXXXXXXX XXXX XXXX  to inquire about the hearing and to inquire about the debt prior to the hearing but no one returned my calls. 

I appeared without an attorney and not knowing the process and between the judge and the attorney I was not able to get a word in edgewise to inquire about the details of the debt. I have student loans from graduate school that I am responsible for so thought, in error, that they can't garnish my pay if it was not my debt. In the hearing I was ordered to pay {$500.00} a month. 

I became XXXX in XXXX of XXXX and contacted the XXXX XXXX XXXX  at least 10 times to make lower payments. I spoke with a paralegal by the name of XXXX, I contacted XXXX XXXX at XXXX XXXX and finally and Attorney at XXXX named XXXX, none of whom addressed the issue of confirming the debt nor returned my call with any resolution, nor accepted lower payment arrangement request. 

XX/XX/XXXX my bank account was levied for {$11000.00} ( which was money from my XXXX claim ) and again I never received a call or notice at my home on XXXX XXXX, where I have lived for 19 years! I contacted XXXX XXXX of XXXX to report that XXXX XXXX was not responsive to my calls and request and that again they DID NOT NOTIFY OR CALL ME to inform me of any pending court action. 

This is when I asked XXXX XXXX to verify the contact information that he had for me and to verify the debt. He proudly gave me XXXX XXXX XXXX XXXX, XXXX, CA XXXX as the address where they served documents and he mentioned that the debt originated in XXXX. I informed him that I have never lived on XXXX XXXX and I had been at my current address for over 19 years and that I completed graduate school in the late XXXX 's and did not take any student loans after XXXX. 

I believe that this loan was taken out by fraud in my name by someone living at the XXXX address or erroneously applied to me through administrative error. 


I request that XXXX validate the debt and show original documents. 

I can be reached at XXXX. Via telephone at XXXX and mail at XXXX XXXX XXXX, XXXX XXXX, Ca XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I call Equifax to dispute to inquirers on my credit report. They wanted me to run all around the world just to get some information to dispute it.XXXX Took the dispute right over the phone just with me verify who I am. Equifax didnt do that. Talk to the manager and he didnt want to help me either, I really dont know why Equifax has a fraud department when they dont want to help the consumer with fraudulent items on their credit report. 
Friendly XXXX XX/XX/2020 fraudulent XXXX XXXX XXXX XX/XX/2020 fraudulent These are the two inquires thats on my credit report and theyre Fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: CA

Complaint narrative:
XXXX, AC # XXXX, XXXX, Amount {$2900.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible.

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