vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-21 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: CA

Complaint narrative:
Violation of my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Bank of America WONT STOP MAILING ME PROMO OFFERS!! 

I have called and gone online to opt out and they wont LEAVE ME ALONE!! 

Please get them to stop!

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 2023-08-21 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
To whom it may concern, On XX/XX/2023 my car was broken into. Among the items the theive ( s ) got away with was my wallet. Upon realization of the event I canceled all of the cards, and filed a police report with local law enforcement. Unfortunately several hours likely passed as the thieve ( s ) racked up at least one charge on every card. 4 cards were involved. XXXX and XXXX quickly resolved fraudulent charges accounting for XXXX. Unfortunately the home depot credit card ( CITI ) entered a long dispute process. I figured it was because this card had incurred the biggest charge of the four ( {$380.00} ). Two months later ( XXXX ) I got a disheartening letter from CITI telling me that upon their investigation, I was fully responsible for the fraudulent charge. Outraged, I called their security team to immediately reopen dispute. I sent them a copy of the police report. Gave them a very detailed statement of the event. Also attempted to acquire surveillence footage, but was unable to because of lack correspondence from law enforcement. Who are required for release of footage. Sadly, today ( XXXX ) I received another letter from CITI telling me that I am still liable, and that my credit report is now in jeopardy if I don't pay! Realizing that CITI is not in my corner I have decided to file a complaint with consumer finance. Hoping to resolve this unfortunate situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-21 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

" Account name XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights '' " Account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I did not give the credit bureau any written permission

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 2023-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: CA

Complaint narrative:
My bank in XXXX transferred money to Bank of New York. 
I am having problems with bank of New York to get the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA
State: TX

Complaint narrative:
On XX/XX/XXXX I filed complaint # : XXXX Against AES ( American Education Services XXXX for not granting him a deferment. They responded promptly and gave this student a deferment until XX/XX/XXXX under account number, XXXX. 
The problem is, this student is still in school, and his updated Expected Date of Graduation : XX/XX/XXXX ( about 2 years away ), and AES is unwilling to extend the date of deferment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had a Mortgage with Wells Fargo Bank. I sold the house. the Mortgage was pay off on XX/XX/2023. Wells Fargo is reporting me late for the month of XXXX even though the mortgage was paid off. I spoke to Fells Fargo, initially the thirty day was removed. The late reappeared in the month of XXXX. I spoke with a Wells Fargo representative and the late was removed. My credit report is still stating Delinquency first reported XX/XX/2023, which is incorrect because the loan was paid off XX/XX/2023. This remark is preventing me from being approved for my new loan for my new loan for my new house.

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 2023-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-08-22 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: CA

Complaint narrative:
This is the several times I've complained about being a victim of identity theft. You must remove/block these items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

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 2023-08-22 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: CA

Complaint narrative:
This is the several times I've complained about being a victim of identity theft. You must remove/block these items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

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
Consumer complaint received 2023-08-21 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: WA

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22 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: MS

Complaint narrative:
Experian has being not honoring my fraud request. This company refuses to remove the accounts I have submitted a police report, ftc report and affidavit. They give me the same response saying they refuse to block the information. I have already provided relevant information, due to theft and its been an ongoing dispute process.

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 2023-08-21 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX. However, they stated everything was complete and accurate. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting.

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 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Starting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX started making HARD CREDIT INQUIRIES with Transunion. Since them they have made 6 HARD CREDIT INQUIRIES. 5 of inquires have been removed within a week. 
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  The HARD CREDIT INQUIRIES WHERE NOT AUTHORIZED! I have a credit freeze on all three credit bureaus for years, and have not applied for any new credit since at least 2017. Yet each month since XX/XX/XXXX XXXX XXXX XXXX has made one or more HARD CREDIT INQUIRIES. 
On XXXX I contacted the CPB and was informed there have numerous complaints XXXX FACTACT FREE DISC for the same issue. XXXX XXXX XXXX has made one or more HARD CREDIT INQUIRIES.

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 2023-08-22 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: CA

Complaint narrative:
I'M A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE! THIS IS MY " 3RD '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: MI

Complaint narrative:
Someone stole my identity. XXXX XXXX XXXX XXXX apartments allowed this person to lease an apartment in my name from XXXX. I only found out about the XXXX debt when a collection agency contacted me. Ive since disputed the debt and provided the collection agency with all my credentials. I drove to the apartment complex and notified the manager of my issue and submitted my credentials as well. The manager stated she couldnt find any identification on record of the person who leased the apartment in my name. I am aware that people have to submit identification to lease an apartment, and the records should be kept on file. Because there is no documentation on file to compare to my identification, the collection agency assumed the debt is legitimate and wont take it off my credit report. Im gon na have to take legal action

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 2023-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
The account was closed on or about XX/XX/23. I received a statement for XXXX charging me {$10.00} for a low balance.

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 2023-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Alliant Capital Management LLC
State: CA

Complaint narrative:
Alliant Capital Management has repeatedly called several relatives and left messages repeatedly for several relatives and associates. I have asked them on XXXX separate occasions to cease and desist making contact with ANY third party regarding this matter and they still call and leave messages on my relatives and associates phone. They have my number yet I have not received a single call or voicemail. My family is being harassed unnecessarily because they have my phone number, email, and address and have not tried to contact me directly ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 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 disagree with the results of your recent verification pertaining to the items reported on my credit account. I had initially lodged a dispute regarding this item, and I wish to address certain aspects of your verification process which I believe require further examination. In your response, it was mentioned that my claim is disputed, and a request for VALIDATION and PROOF OF CLAIM of the alleged debt was made in accordance with the Fair Debt Collection Practices Act, Furthermore, as a consumer invoking my specified remedy and as the original creditor, I understand that my request for VALIDATION and PROOF OF CLAIM is in accordance with applicable regulations, but I would appreciate further clarification and specific documentation in relation to these demands. Specifically, I kindly request that the certified copy of the original contract bearing my signature be provided, explicitly naming your company as an entity authorized to enforce a commercial claim against me. The notarization process, as mentioned in my initial communication, remains of great importance in ensuring the accuracy and authenticity of this documentation.

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 2023-08-22 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: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
This has been an ongoing issue with ARs for several years the last several months I have reported this company for incorrectly reporting to my credit report that this debt is outstanding and still owed ARS stated that they would look into it and determine my coverage of XXXX at the time if they received my XXXX number they received my XXXX number for nearly 3 months now and have still made no action I have followed every step and request that they have provided in their response to my previous complaints ARS will not respond to my emails they will not respond to my calls with regarding to taking care of this inaccuracy on my credit report ARS will not take action they have every information that they need from me however will not follow up will not take any action on this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: DISCOVER BANK
State: GA

Complaint narrative:
I have had a Discover card for 7 years and have paid on time with auto payments the whole time, never missing a payment. Recently, I received noticed that my account had been charged off to an attorney 's office by Discover. This had taken me by surprise as I have a long history with Discover as a good and on-time payer, and I still believed auto-pay to be functioning as it had been for the past 5+ years. 

I have received XXXX communication from Discover prior to or after the account was written off. Discover refuses to address the issue of why my auto pay was turned off and why I didn't receive any notice by mail of the charge off or autopay termination. They have erroneously reported the account as delinquent and it is now negatively affecting my credit score. 

I am able to settle my account and would like to return to the way things were before the lack of Discovers communication. I can take action on my end but I would like to see Discover take accountability for the poor communication, reinstate my card, and remove the error in credit reporting. If this can be done, I can provide positive feedback on this case or cancel this complaint continuing my former good relationship with Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: CA

Complaint narrative:
I never participated in any legal contract in regards to this debt. These accounts are being furnished without any legal agreement/contract. This debt collector is being abusive, deceptive, and unfair in its business dealings with me. This is prohibited by FDCPA. Under FDCPA, I am entitled to {$1000.00} for single one of these violations. Additionally, they didn't follow the correct 5 step validation procedure which again is unfair practices.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 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. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief