vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to XXXX XXXX XXXX XXXX XXXX Illinois XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$470.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$140000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$950.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on 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 explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In reviewing my credit report on XX/XX/23, there is a collection account I do not recognize as XXXX XXXX XXXX XXXX in the amount of {$3900.00}. According to FCRA and FDCPA, debt collectors are required to send written notice before attempting to collect or report alleged debts. XXXX has violated my rights by not allowing me the 30 day " Right to Dispute ''. Additionally, this collection account is reporting as " Past Due '' which is also a violation of the FCRA and FDCPA. I am demanding the removal of this account from 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 2023-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In reviewing my credit report on XXXX there is a collection account I do not recognize aXXXX XXXX XXXX XXXX XXXX in the amount of {$3900.00}. According to FCRA and FDCPA, debt collectors are required to send written notice before attempting to collect or report alleged debts. XXXX has violated my rights by not allowing me the 30 day " Right to Dispute ''. Additionally, this collection account is reporting as " Past Due '' which is also a violation of the FCRA and FDCPA. I am demanding the removal of this account from 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 2023-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Charged overdraft fees multiple times from the end of last year until 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 2023-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please update my account and remove the inaccurate late payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account should not show any late payments because I have always paid on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: AR

Complaint narrative:
I have received a collection from HUNTER WARFIELD INC, the debt collection agency at which came from the original creditor, XXXX XXXX XXXX  who's principe place of business is located at XXXX XXXX XXXX XXXX # XXXX, XXXX, AR XXXX, and the debt collection agency principle place of business being located at, XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 

Hunter, Warfield , Inc., and or the original creditor real property management alleges fees that are in accurate as evident by bank statements! 
I contacted the debt collection company to try to resolve this issue, and they have told me multiple times that I have attempted to pay this debt through the original creditor and have received a insufficient fee fund regarding to a lease payment at which is completely untrue, and made evident by bank account statements! They also alleged that I owe additional fees which I do not recognize! Upon contacting Hunter, Warfield, Inc. I spoke mainly with one individual who was then interrupted by a senior advisor who was extremely rude! They attempted to contact pre-discovery at which all discovery they should already have! I have requested a five day debt validation request starting on XXXX XXXX XXXX  by email which they first told me could not be sent and then I responded after officially verifying who I am you still cant send it to me by email she then replied yes we can and continued with her, discovery questions! I asked them to send out a validation to the original creditor, she responds ( the senior advisor ) theres no need to we already have all the legal documentation in front of us! 

As still my request was as followed but was denied and she said the debt collection agency would send me a validation notice! 

Back some time ago I signed a lease for {$1100.00} x 12 months, on my credit report it is showing a balance of {$1800.00} some of this balance is stated to be from insufficient funds fees which is once again INCORRECT and my back account will show that as evident Upon move out of the rental property, I never received an itemized receipt of any damages as to which the security deposit wouldve been applied for! 

I believe this collection agency is conducting bad business practices just because of the sheer lies imposed and false penalties under the lease contract. 

I was able to verify incorrect information on my credit report, since that moment I just started the process to get in touch with the Credit Bureaus in an attempt to get this issue corrected. The sad truth is that I never got an answer. 

This case is about abusing credit systems and collecting to force consumers ' hands to pay regardless of whether or not they are truly at fault. 

This action has caused harm to my credit and I am unable to apply for another loan. I would like the record corrected, the delinquency removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: TX

Complaint narrative:
I was granted a 100 % XXXX XXXX XXXX XXXX XXXXXXXX effective XXXX XXXX XXXX. On XXXX XXXX XXXX I worked with the XXXX XXXX XXXX XXXX to submit my homestead exemption, which resulted in total exemption from property taxes. On that same day, I began the process of trying to work with my mortgage company, United Wholesale Mortgage, to apply that approved tax exemption to my escrow account. 

I have initiated contacted my mortgage company multiple times, via phone and through their online message center. They state that their policy does not allow them to update my escrow account until they have a property tax statement, but my county tax office will not issue a new statement until XXXX XXXX As a result, I am left paying money to my escrow account, fully knowing that it will be returned to me in the future, minus the value it depreciates due to inflation. Additionally, I recently became unemployed and this situation is resulting in undue financial stress. 

My mortgage company has refused to consider my situation, despite repeated efforts to explain and escalate within their organization. I view their lack of support as criminal, as they continue to hold on to my money and deprive me of the opportunity to invest/earn interest on my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a hard Inquiry that I dont know and did not authorize From 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 2023-06-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: FL

Complaint narrative:
On XXXX I took out a loan with XXXXXXXX XXXX  through Opploans.com. The contract lists nine payments through XX/XX/XXXX in the amount of {$210.00}. I had a deferment in XX/XX/XXXX and a payment that had insufficient funds in XX/XX/XXXX. I assume that would extend the contract to XX/XX/XXXX, and which I was told I was correct by a CSR and a Supervisor. They are now charging me additional interest which is well over a monthly payment and over {$300.00}, but Im unsure the full amount. The contract is over and theyre still charging me money. Is this legal? Would you please investigate?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 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: NV

Complaint narrative:
I contacted XXXX about misleading accounts i see on my credit report. They still have not fixed these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a Hard Inquiry from XXXX on XX/XX/2023 I have no knowledge about.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries 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 explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I am the co-signer. Ally financial never reached out to contact my daughter who is the primary on the account. So I did not know there was an issue with payment. 

They said she was a month late on payment but went after me for my credit. My score dropped XXXX points. So I got ambushed. 
They would call me during work so I could not answer exactly when they called. When I would return call Ally financial they repeatedly dropped my calls or hung up on me. I called Ally at least 5 times with the same result. Did not get rep on the phone until after the fact. 

If you look at my credit history over past 10yrs anyone will see I am very prompt about staying on top of my bills. An opportunity would have been nice. Seems some degree of laziness on Allys behalf is the issue. 

My daughters grandmother passed away and had to pay for funeral costs. They never properly contacted anyone so they would not know that. 

No true procedure for communicating with there customers.

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 2023-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
I ask to stop contacting me and they continue to do so! I keep getting the spam phone calls everyday or every other day! I keep getting letters in the mail and they are also sending the letters to the wrong address when I have corrected the address on the XXXX XXXX website and ask not top send me anymore as we would get this debt paid as soon as we get the funds we are waiting for!! So I would greatly appreciate it if the letters and phone calls would stop! I see this being a harassing matter as we can not help our insurance sucks and dont help as much as we want it too! So please STOP contacting us!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: U.S. BANCORP
State: NV

Complaint narrative:
On XX/XX/XXXX XXXX my active business account with US Bank was accessed by the bank 's collections dept and a deduction of {$1800.00} was made, under claim that the bank was exercising the right of offset ; charging that account for an amount which they claimed was in default in connection with a previous credit card account with the bank which had been closed since XXXX 
My complaint, is that I did not receive any written, telephonic or electronic notice from the US Bank of their intention to garnish my current business account for a past credit card account that had been cancelled and closed in XXXX In a call to the bank to address this issue, on XX/XX/XXXX XXXX, US Bank disclosed that the alleged default resulted in a charge off sometime in XXXX. However, this fact was never communicated prior to that conversation. 
A Charge Off, means the lender or creditor has written the account off as a loss and that account is then closed to further charges and the bank is then able to to receive tax exemptions, adjustments, etc., in their efforts to offset, cancel or otherwise discharge the defaulted debt. 
I believe US Bank acted in bad faith, when taking money from my current business account without giving a fair notice of its intention to collect on the default it alleged. I never received any communication from the bank to address this issue, until receiving a XXXX extremely Urgent delivery the day after monies were deducted from the account. This clearly demonstrated that the bank had the ability to contact me about the default, but chose not to do so. This allows US Bank to arbitrarily impose immediate financial harm to my living situation, as they have taken what was in fact, my rent money. As a XXXX XXXX  now living in a fixed income which does not adequately cover my monthly living expenses, the bank 's action to collect have caused undue harm, when done without giving a fair notice and opportunity to address the issue while avoiding the severe financial difficulties I now find myself in.

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 2023-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a hard Inquiry from XXXX XXXX On XX/XX/2021 2021

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 2023-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC
State: NJ

Complaint narrative:
J Jefferson system capital added a fraudulent collection to my report, a XXXX by the name of XXXX XXXX XXXX XXXX. I received grants and financial aid that covered my expenses and they randomly added a collection to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In XX/XX/2023 I submitted a complaint through the CFPB ( complaint # XXXX ) requested that Experian conduct an investigation on an account XXXX XXXX  which appears in my Experian Credit file. As Per 1681 ( I ) ( a ) ( 1 ) ( a ), any dispute investigations must be completed with action taken before the expiration of 30 days of when the dispute was received. Experian did fail to complete and make timely notification of the results of this investigation as required by law. As of XX/XX/2023 Experian has not responded or provided notification that this investigation was completed which is past the 30 day period.

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 2023-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Someone was able to get my phone and retrieve all my personal information. They then opened fraudulent accounts in my name and other names in other states. They also transferred {$19000.00} from one of the fraudulent accounts to my main checking account then dispersed all the funds via XXXX XXXX XXXX XXXX and XXXX. They then somehow reported the {$19000.00} deposit and reversed it. This left my bank account negative {$19000.00}. We have a police report. We reported identity theft to the Federal Trade Commission and have placed a hold at all credit agencies. We've first contacted Bank of America on XX/XX/XXXX. They told us to let the pending charges sit and they will eventually fall off. They never fell off, so we reported a fraudulent claim with Bank of America. There were three claims opened. Claim # XXXX and # XXXX and # XXXX. Claim XXXX and # XXXX were for accounts opened in my name and the name of XXXX XXXX Mowatt and XXXX XXXX XXXX. The {$19000.00} was originally transferred from the account in the name of XXXX XXXX XXXX. After a denial on both claims, we requested a reconsideration and Bank of America approve the claims. Both accounts are now closed with Bank of America. Claim # XXXX is for transfers from my main checking account via XXXX XXXX XXXXXXXX and XXXXXXXX XXXX for {$10000.00}, {$2500.00}, {$2500.00}, {$1000.00} and {$3300.00}. I did not authorize these transfers, nor did I have any knowledge of this happening until I checked my bank account online. Bank of America has denied this claim 3 times. The second time it was denied, they said it was because it wasn't reported timely. We sent them copies of phone records from XXXX XXXX XXXX showing long phone calls multiple times a day beginning on XX/XX/XXXX. Our last conversation was with Bank of America on XX/XX/XXXX and they informed us the claims have been denied and the information has been reported to XXXX and we are responsible for paying the money back. We did not authorize these charges and we feel we should not be responsible for this. Please see all the attachments as I have page numbered the order and wrote notes.

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 2023-06-02 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: FL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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