vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been trying for several months now to repair my credit and my letters sent to the credit bureaus have been ignored. 

My credit report reflects many accounts that are being reported incorrectly, such as last date of activity, late payments, balances. I have the right to a fair credit, to be correctly reported in the 3 credit bureaus

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 2022-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Valentine and Kebartas, Inc.
State: NY

Complaint narrative:
Valentine & Kebartas is on a cease and desist and said on complaint XXXX and said " On XX/XX/2022, the account of XXXX XXXX was placed in our office for collection by our client, XXXX XXXX, XXXX. The original creditor is XXXX XXXX Bank. We have complied with the cease and desist request of XXXX XXXX. As a result, there will be no further contact with XXXX XXXX from our organization. '' so no now they are tiring to collect another knowing that the cease and desist is for all debts and also knowing that I am exempt from there debt collection I can sue them for violation of the cease and desist

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Truist Bank XXXX # XXXX Phone # XXXX I have been dealing with Truist Bank since XX/XX/XXXX with no response! 
I had a health policy with XXXX XXXX for the year XXXX with monthly premium payments of {$440.00} per month, which was on auto-pay, automatically withdrawn. 
The policy was cancelled effective XXXX XXXX and which time in the beginning of XX/XX/XXXX, all payments should of stopped. I reviewed my bank statements in XX/XX/XXXX and saw 2 months of premium payments in the amount of XXXX taken out in XXXX and XXXX. I immediately called the bank and informed them of these withdraws and they were NOT authorized. 
After many phones calls to XXXX and to Truist Bank, still NO rely or return calls. 
Truist returned XXXX premium payment for the XXXX withdraw in the amount of {$440.00} but refuse to to reimburse me for the XXXX withdraw of {$440.00}. 
I have NOT received any contact with Truist bank, and they are claiming in a letter they have closed my claim stating I authorized XXXX payment for a insurance policy I no longer had!! 
Truist never contacted me to discuss my claim and I ever went into the local branch to no avail. 
I was informed that the bank was going to deposit the {$440.00} into my account but still the money is not there after a month. 
I need you assistance in getting this matter resolved in a timely fashion and my {$440.00} is returned to me. Thank you.

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 2022-05-23 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:
TRIED SEVERAL TIMES TO GET ASSISTANCE FROM THE COMPANY BUT NO ONE IS HELPING. I FILED AN ID THEFT REPORT WITH 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 2022-05-23 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:
Despite the numerous attempts I made to inform the bureaus of the fraudulent accounts, unauthorized inquiries, and incorrect personal information I have in my credit report, they still keep reporting them. This is an act of neglecting my request for the removal of the items below without supporting documents submitted or a form of response. Their behavior has been pulling my scores down which is now my reason for sending this complaint directly to CFPB. Here are the items that I am concerned of : Incorrect Addresses : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
on XX/XX/22 I was on my computer with my Wells Fargo accounts page and was going to transfer some funds when a message came up on the screen from my internet security company ( XXXX ) that said they suspected possible virus 's and hacking in my computer and to call them right away, so I did. They said they would need to get into my computer to clear it up and with one small step they were in. they said it would take some time to do the work and to step away and not worry but to leave the computer on and they would callme back the next day. The next morning they called to tell me they still had some work to do and to inform me I was selected for a free upgrade and a refund of my payment I had recently made. i was then taken to a page where I was to fill in my name and the amount to refund which was {$300.00}. I did that and then a screen came up which showed {$15000.00} in my checking account which they said was theirs and I would have to pay them back. I said I didn't know how that got there and they said I had to have done it when I put in the refund amount and now I would need to do a wire transfer for that amount. I now became suspicious and told the man I was not comfortable with all this and he told me if I did not comply he would take the money from my IRA accounts as well and then showed a page where they were zerod out. I was now concerned that I may lose all my money and so I had to go on with the transfer. He did all the work on that and told me what to say to the tranfer agent to initiate it. Then I told the scammer I had to leave for an emergency and would be right back at which time I called the Wells Fargo fraud line and explained what I was in the middle of and that I was really concerned. the agent told me he had all he needed after I gave him all the details but did not offer any advice or help on what I should do next so I figured everything would be OK. I got back to the scammer and the transfer was finished. what was puzzeling to me was the transfer agent did not seem to find it odd that I was transfering {$15000.00} to a bank in XXXX when I had never before done a tranfer at at and to person there for a wedding gift and I could not pronounce her name properly. All the while the scammer was telling me what to say. he then said to just leave the computer on and he would get back to me in the morning. The next morning when he did not call and I checked my accounts my credit card was maxed out and my on hand cash was gone totaling almost {$23000.00}. I called the Wells Fargo fraud line again and told them what had happened and they said they would do an investigation to which I just received the result as not their fault and I would have to pay back the credit card balance of {$18000.00}.

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 2022-05-23 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 the following accounts have violated my rights. 


XXXX. XXXX XXXX OF XXXX XXXX XXXX {$7600.00} XXXX. XXXX XXXX OF XXXX XXXX XXXX {$4300.00} XXXX. XXXX XXXX OF XXXX XXXX XXXX {$3600.00} XXXX. XXXX XXXX OF XXXX XXXX XXXX {$5300.00} XXXX. XXXX XXXX OF XXXX XXXX XXXX {$4000.00} XXXX. XXXX XXXX OF XXXX XXXX XXXX {$9300.00} XXXX. XXXX XXXX CRED XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Secllan 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 explanation
Consumer complaint received 2022-05-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Hi my name is XXXX XXXX. I have never done business with XXXX XXXX XXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX XXXX I have the right to demand and see the contract between XXXX XXXX XXXX and myself! Please send the proper validation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX, Ohio XXXX XXXX address : XXXX XXXX XXXX XXXX # XXXX XXXX, Ohio XXXX Dear Consumer Protection Agency/Federal Trade Act Commission. 
Please do something about credit card companies bleeding consumers like me and XXXX knows who else dry? 
Heres the issue. 
Below is a copy of my bill whereas it shows that capital one is constantly waiting on me to make a payment on time then after I make my payment on time, Capital one takes and bills me interest whereas it is purposely automatically overcharging my credit card acct. to make it look like I the consumer has ran my credit card over the limit when in true fact I have not ran my credit card over the limit. 
I have continuously been paying on my credit cards to purposely keep from my credit cards going over the limit. Its the credit card company overdrawing my credit card not me! Now when I was able to make high payment credit card steady payments, I saw no interest. However, in these hard trying times of inflation, gas prices and food cost up like crazy. I am asking your agency to contact capital One to make this illegally act of interest that capital one is doing STOP! 
Capital one in no way is trying to help its consumers just bankrupt them with unnecessary applying unfair interest on credit card acct. that are up in balances to where you the consumer can not get your credit card balances down and or paid off. I am asking your agency to at least contact Capital One asking that credit card interest be waved for 90 days which grant the consumer time to get credit card payments down if not down PAID OFF!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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:
TRIED SEVERAL TIMES TO GET ASSISTANCE FROM THE COMPANY BUT NO ONE IS HELPING. I FILED AN ID THEFT REPORT WITH 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 2022-05-23 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: FL

Complaint narrative:
TRIED SEVERAL TIMES TO GET ASSISTANCE FROM THE COMPANY BUT NO ONE IS HELPING. I FILED AN ID THEFT REPORT WITH FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: OH

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

-15 U.S.C 1681 section 602 A. States that I have a 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 permission. - 15 U.S.C 1692C : There is abundant evidence of the use of abusive, deceptive, and unfairdebtcollection practices by manydebtcollectors. Abusivedebtcollection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.

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 2022-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Grain Technology, Inc.
State: CA

Complaint narrative:
I have an account with Grain. I wanted to check the balance because at the time I was going to pay the account off. On XX/XX/XXXX got an email that they need to verify my ID. I submitted my info and haven't heard back since. Now I can't log into the account, and I can't see my balance but they faithfully withdraw money from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hi my name is XXXX XXXX. I have never done business with XXXX XXXX XXXXXXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX XXXX. I have the right to demand and see the contract between XXXX XXXX XXXX and myself! Please send the proper validation

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 2022-05-23 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:
Hi my name is XXXX XXXX. I have never done business with XXXX XXXX XXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX XXXX. I have the right to demand and see the contract between XXXX XXXX XXXX  and myself! Please send the proper validation

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 2022-05-23 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:
I am writing about XXXX XXXX  XXXX reporting my account to credit bureaus as delinquent during the conclusion of my Covid-related forbearance, while they were considering my loan for modification. 

My account should not have been reported delinquent. I followed every step correctly in the months leading up to the end of the forbearance period, asking repeatedly on calls and emails if I should end the forbearance early in order not to affect my credit. I was told to wait until the end of that period and that I would be given options on what to do at that time. 

It took about two months for XXXX to get me set up for the three-month period of reduced payments to see if I qualified for loan modification. Those three payment were made on time. Then it took another two months to receive the loan modification offer, which I was not satisfied with, so I ended up paying the full amount due and making my account current. 

The purpose of the Covid-related forbearance was supposed to be to allow people like myself, who lost most of their income during Covid, to have considerations that would NOT affect their credit. However, they reported my account delinquent even though I properly followed all the steps and was in constant communication to make sure that did not happen. 

Now I find myself wishing to sell my property and purchase another one, and I may have difficulty getting a mortgage due to the actions of XXXX. 

I have requested several times by phone and once in a faxed letter on XX/XX/2022, which they acknowledge receiving, that I want them to correct the information to show that my account was not delinquent during the time I was waiting for them to determine if I qualified for a modification, and then while I fulfilled the requirements for modification. 

Thank you for your assistance in getting this corrected.

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 2022-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: States Recovery Systems, Inc.
State: NC

Complaint narrative:
To Whom It May Concern : This letter indicates you and your company immediately cease erroneous credit reporting. 
We demand that you and your company stop the monthly charge offs under the Fair Credit Reporting Act for fair and legal reporting debt. They then this fraudulent debt to STATES RECOVERY SYSTEM INC, who added on illegal fees without providing a contract that shows XXXX XXXX agreed to that fee. 
We closed our account in XXXX due to fraud, and you have placed over XXXX charge-offs since then. You are deliberately keeping the account open to justify the monthly reporting charge-offs. Members must maintain a {$5.00} balance per your website to keep tabs open. We have had a XXXX balance in the account since XXXX. Yet, every month, you send a statement reflecting a XXXX balance savings account claiming that the account is open. This is a direct conflict with the minimum balance requirement per your policy. The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C 1681 ) falls under non-compliance with the law and false reporting. 
In addition, this constitutes a breach of contract since the original credit card agreement does not authorize the re-charge debt. 
If you continue to issue charge-offs, we will be forced to take legal action against you for violation of the Fair Credit Reporting Act and will seek all available damages and remedies. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: FL

Complaint narrative:
Despite the numerous attempts I made to inform the bureaus of the fraudulent accounts, unauthorized inquiries, and incorrect personal information I have in my credit report, they still keep reporting them. This is an act of neglecting my request for the removal of the items below without supporting documents submitted or a form of response. Their behavior has been pulling my scores down which is now my reason for sending this complaint directly to CFPB. Here are the items that I am concerned of :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: FL

Complaint narrative:
Despite the numerous attempts I made to inform the bureaus of the fraudulent accounts, unauthorized inquiries, and incorrect personal information I have in my credit report, they still keep reporting them. This is an act of neglecting my request for the removal of the items below without supporting documents submitted or a form of response. Their behavior has been pulling my scores down which is now my reason for sending this complaint directly to CFPB. Here are the items that I am concerned of : Incorrect Name : XXXX XXXX XXXX XXXX A XXXX XXXX XXXX Incorrect Addresses : 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 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 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

Company response to consumer: Closed with explanation