vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-29 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: TX

Complaint narrative:
In accordance with the Credit Reporting act 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.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

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 2022-07-29 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: TX

Complaint narrative:
In accordance with the 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. 

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

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 2022-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Statewide Credit Services Corp.
State: CA

Complaint narrative:
We hired a company called " XXXX XXXX XXXX XXXX '' to get us access to our lighting control system after purchasing an apartment. The sellers of the apartment were difficult to reach so we believed this would be a faster solution. The company came to the apartment and changed the system so that it was only accessible to them and then billed us despite performing the opposite service they were hired to do. 
This company then sent the debt to " Schwartz Schwartz and Associates '' who have harassed both myself and my wife by phone nonstop since, threatening our credit, insisting that this is a legitimate debt and refusing to help promote an amicable solution with the original service provider. 
This is a small debt and would be a very easy thing to resolve if the either of these companies cared to seek a solution. Our lighting controller is now tied to an account that only " XXXX XXXX XXXX XXXX '' has access to and is being held hostage. Both of these companies should be avoided by consumers.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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: TX

Complaint narrative:
I've already submitted a complaint and 2 Bureaus removed all inaccurate accounts yet transunion refuses to fix any errors. I've asked for their methods of verification as those accounts don't 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 2022-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I noticed on my XXXX XXXX app on my phone, that a Wells Fargo credit card had been opened in XXXX of XXXX. I called Wells Fargo and notified them and they opened a case and are working to resolve it now. I also called XXXX to warn them of identity fraud, as the person who opened the credit card did so using my social security number. The card was used in the amount of {$430.00} as of today. XX/XX/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 2022-07-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FRESNO CREDIT BUREAU
State: CA

Complaint narrative:
The bill from the original creditor XXXX XXXX XXXX XXXX was thought to be a duplicate and in error and was therefore not paid. I have since confirmed with XXXX XXXX XXXX XXXX that the bill was in fact correct in the amount of XXXX and attempted to pay in full, but was told that the bill was handed over to XXXX and to pay them. XXXX is attempting to charge interest above and beyond the original bill for a total of XXXX, without disclosing first that interest charges would be applied or how they are calculated. I attempted in good faith to pay the original bill of XXXX in full on XX/XX/XXXX at XXXX with a XXXX rep over the phone, but was told no exceptions would be made for the interest and was threatened that if I did not pay in full XXXX XXXX may not provide XXXX services to me in the future. 

I am disputing this bill as : It is a misrepresentation of the amount owed I was threatened with refusal of future medical service if I did not pay

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: OH

Complaint narrative:
Why the XXXX is the US bank branch in my town closed during the week? My husband went today on his way to work to get money out of the ATM and the ATM was not on. Went to go into the bank and sign said branch is temporarily closed. XXXX!! This is constantly the case at this branch. Called US bank customer service and they know nothing about it. Was surprised that the branch was closed. When we cant access our own money, this is a serious problem. I will not stand for it. I also called corporate ( US Bank ) and apparently no one is working there either because no one answered the phone. If US Bank doesnt give a XXXX about there customers, then we will go somewhere else. Not only that, the hours that they are open XXXX! They close at XXXX and they arent even open on XXXX anymore. XXXX  XXXX XXXX  has branches that are open till XXXX XXXX. US Bank, I suggest you start paying attention to what your branches are doing, or rather, not doing. And I dont want to hear the excuse that theyre closed because of Covid. Thats 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 2022-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I received a text message from the Bank of America text line asking if I had authorized a XXXX  transaction this afternoon. I sent back a text saying " no. '' I was called by a Bank of America representative alerted by my text message. The person verified the last four of my bank number, account number, and the amount in my checking and savings account. The person told me to send a series of transactions via XXXX to this phone number : XXXX XXXX XXXX. I sent three transactions : {$1500.00}, {$200.00}, and {$200.00}. The person explained the amount would be credited back to my account. When the funds were being withdrawn from my account, I was alarmed and the person hung up the phone. I called the number back to no avail. 

I called the general Bank of America line. The representative said they filed three separate fraud claims for each transaction. I have not received an email confirmation or a timeline for when the monies will be put back into my account. Please advise.

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 2022-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Google Compare Credit Cards Inc.
State: AR

Complaint narrative:
My son, age XXXX, made a myriad of purchases on XXXX XXXX for some virtual game and these charges were not authorized. I have disputes with XXXX and XXXX. I believe XXXX will take 90 days or so. XXXX had refunded some of the purchases made on my debit card as well as saying they refunded a few purchases made on the XXXX XXXX  XXXX but I have yet to see these in my account. XXXX XXXX has provided provisional credits during the dispute and XXXX sent emails saying the were refunding {$1300.00} of the {$1900.00} to XXXX XXXX but they have not done anything about the charges to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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:
On or about XX/XX/XXXX XXXX XXXX XXXX Account # : XXXX placed derogatory remarks on my credit report. Upon, further research, this account was transferred/sold, and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. 

Furthermore, the alleged charge off date on the account is XX/XX/XXXX. XXXX  XXXX XXXX is claiming to have obtained this debt in XX/XX/XXXX. I informed XXXX XXXX XXXX  the account was not mines several times to no avail. My consumer reports show inaccurate open dates, account status of OPEN on Transunion and XXXX and a status of CLOSED on XXXX. There is NO payment history on Transunion, the payment history for XXXX shows positive, missing, and late payment history on a closed account, and XXXX reports collections. These discrepancies prove that the consumer bureaus did not validate this debt and are purposely reporting inaccurate information! 

According to Section 16.004 of the Texas Civil Practice and Remedies Code : The statute of limitations on debt in Texas is four years. Section 392.307 of the Texas Finance Code ; states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. It also requires that debt buyers provide written notice to a consumer if the limitations period has expired. 

According to the FCRA. XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. Unfortunately for myself, I am just becoming aware of laws regarding my consumer rights. However, I plan to become knowledgeable of the law and will hold individuals who disregard the law accountable for their actions. My reputation has been severely tarnished due to these negative, inaccurate remarks which is completely unfair. Therefore, I am filing a formal complaint against said company today for their blatant disregard for the law and failure to protect the consumer : 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 2022-07-29 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:
On or about XX/XX/XXXX XXXX XXXX XXXX Account # : XXXX placed derogatory remarks on my credit report. Upon, further research, this account was transferred/sold, and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. 

Furthermore, the alleged charge off date on the account is XX/XX/XXXX. XXXX  XXXX XXXX is claiming to have obtained this debt in XX/XX/XXXX. I informed XXXX XXXX XXXX the account was not mines several times to no avail. My consumer reports show inaccurate open dates, account status of OPEN on XXXX and XXXX and a status of CLOSED on Experian. There is NO payment history on XXXX, the payment history for XXXX shows positive, missing, and late payment history on a closed account, and Experian reports collections. These discrepancies prove that the consumer bureaus did not validate this debt and are purposely reporting inaccurate information! 

According to Section 16.004 of the Texas Civil Practice and Remedies Code : The statute of limitations on debt in Texas is four years. Section 392.307 of the Texas Finance Code ; states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. It also requires that debt buyers provide written notice to a consumer if the limitations period has expired. 

According to the FCRA. XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. Unfortunately for myself, I am just becoming aware of laws regarding my consumer rights. However, I plan to become knowledgeable of the law and will hold individuals who disregard the law accountable for their actions. My reputation has been severely tarnished due to these negative, inaccurate remarks which is completely unfair. Therefore, I am filing a formal complaint against said company today for their blatant disregard for the law and failure to protect the consumer : 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 explanation
Consumer complaint received 2022-07-29 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: GreenSky, LLC
State: CA

Complaint narrative:
I opened a case with CFPB ( XXXX ) on XX/XX/2022. The company responded quickly on XX/XX/2022. They stated they would resolve the situation, " As part of our investigation, we reviewed your account history and submitted a request to each credit report agency to remove the account from your credit report. Please allow up to 30 days for the update to be reflected on your credit report ''. I was very happy with the decision. I waited patiently for 60+ days for the account to be removed from all agency reports. They were not removed, so I emailed the company on XX/XX/2022. I have not received a response. I am only asking for them to follow through & remove the account from my credit. 

I am attaching the original case & response from the company stating they would request the removal of the account from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
In the attachments is a record of me and XXXX  and XXXX XXXX XXXX. Initially I received collection letter from XXXX XXXX XXXX and I wrote back requesting validation from them. They never wrote back then I received a letter from XXXX stating that they are the ones collecting and that XXXX XXXX XXXX is just servicer. That was just a stall tactic. I sent out another validation letter requesting proof that I owe the debt. XXXX wrote me back and stated in their letter that they sent all the documents that I requested in the envelope. When opened the letter, the only thing that was in there is XXXX paper that look like a bill. Everything I requested was not in the envelope. It takes money to send out these letters, so I am doing it through this CFPB channel. Everything XXXX  claim they enclosed please send through this portal because I did not receive it by mail. If you cant present these documents that I requested please cease all collection. Please cease and desist on all mediums. Send me a letter that I am not responsible for this debt. everything is attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-29 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: TX

Complaint narrative:
I recently received a copy of my credit report and I noticed some accounts on my consumer report that should not be on there. 
This agency is in violation of 15 USC 1692g .They were to notify me of this in writing 5 days prior, I was not notified. 

I have reached out to the credit bureaus several times to have these accounts removed from my consumer report and they have failed to do so

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 2022-07-29 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: MD

Complaint narrative:
I would like to dispute a collection account with TransUnion Credit Bureau. The account is listed on my TransUnion credit report as XXXX XXXX XXXX - Account # XXXX. 

I've already filed a dispute withTransUnion asking them to verify the accuracy of the information on my credit report. TransUnion claimed to verify the information and stated that the account " meets FCRA requirements ''. ( see attachment ) Upon looking at my updated credit report, I can see that there are still many inaccuracies being reported even after their investigation, so the account clearly DOES NOT meet FCRA requirements. 

15 U.S.C. 1681 Section 604 A states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A, which states that a consumer reporting agency must have written consent to furnish an account on my credit report. 

Here are the specific INACCURACIES ( proof is attached ) : Date Of Last Activity TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Date Opened TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Balance Owed : TransUnion : {$320.00} XXXX : {$0.00} XXXX : {$320.00} There is no way this information is being reported accurately when it is different on every report. TransUnion is in violation of FCRA and is violating my consumer rights.

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 2022-07-29 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have tried several times to have 'Healthcare Collections ' accounts removed from my Equifax report. These have been removed from both of the other agencies. I asked for documentation to be sent to me where I signed originally for this collection and they have not honored that request. Additionally all the credit bureaus continue to report my XXXX bankruptcy. My score never goes above XXXX points and I feel the system is targeting me unfairly. There is no clear path to increase a score, no bureau offers any help with this or program to do this yet it impacts every aspect of my life!!!! This score has held me back from owning a home. Caused me to get denied for housing in apartments. Caused me denial from jobs. This score impacts my ability to feed my family. These bureaus have to much control over my life and give me no help in increasing this number in any way at all to better my situation. I am thinking of suing the companies for this reason as this has caused much XXXX  anguish for me over the years and is bearing heavy on me XXXX  daily. Something needs to be done to help us get these scores raised!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
I called and made a payment arrangement, and I made the first payment and I asked for proof of the payment arrangement so I can provide this to the NJ banking and insurance, and I was told they don't give out any documentation stating I'm in a payment arrangement. 
I've emailed and I've called and left request for a call back from the XXXX. No one got back to me, and no one is responding to my emails. 

I have another payment coming up and I feel like this is fraudulent behavior. The banking and insurance representative is stating I must provide proof not just that I made a payment and it's deducted from my account I also called the creditor ( XXXX ) and they stated they should comply with my response and not just take my payment. I did not even ask for a settlement. 

Please see my plead for assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
I checked my credit report in approximately XXXX and disputed an attempt to collect a debt from a company claiming I owed them rent money. Several attempts made to contact representative via phone failed, I just called her again at XXXX XXXX XXXX and the rep is on break again. They claim I owe them {$140.00}. On recheck of my credit report today, another attempt to collect a debt from a different company claiming I owed them a significant amount of money, {$15000.00}. Communication with RDAC was established, with the representative placing a fraud alert on the account and attempting to contact business. They are sending packet to complete for fraudulently activity, recommended I file a police report and take steps to further secure and protect my identity. I do not, nor have I ever resided or attempted to reside in the areas these companies/business are located.

Company response to consumer: Closed with explanation