vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
After reviewing my credit report I noticed inquires on my credit report I did not approve or agreed. I then set a letter to the transunion, XXXX, and XXXX  to get these removed per the Fair Credit Act. After waiting more than a month I got a letter saying nothing could be done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-13 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: EQUIFAX, INC.
State: PA

Complaint narrative:
After reviewing my credit report I noticed inquires on my credit report I did not approve or agreed. I then set a letter to the XXXX, equifax, XXXX XXXXXXXX  to get these removed per the Fair Credit Act. After waiting more than a month I got a letter saying nothing could be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Ally loan finance I have been trying for 2 years to get mine and my sons credit report corrected. They have report a charge off but the account was paid on full by the insurance company. I have requested several time even from the credit reporting agency to correct this and they haven't. This has destroyed both mine and my sons credit and is coating me hundreds of dollars every month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I reported XXXX charges that were made without my permission to Capitol One - XXXX for XXXX - and XXXX by the XXXX XXXX - XXXX - both in XXXX. 

I filed the complaint with Capitol One directly - and gave a statement in support of my claim. The representative and supervisor stated my balance would be credited for the amounts of these charges pending the outcome of the dispute- which could take up to 90 days. I also submitted documentation - including receipts from another hotel showing I was at that hotel - and not the XXXX. I have since sent a notice of intent to sue to the management of the XXXX. 

Today, I called Capitol One and was told they reapplied the charges because they did not see any response from me. This is incorrect. Not only did I supply proof, I called to follow up Capitol One and reiterate the complaint. I demanded that the balance be credited again and offered 5 times to resubmit the proof. The rep sent 2 new links to upload documents.I asked for a supervisor, and was given XXXX ID # XXXX who claimed Fraud and Dispute XXXX. 

I spent 51 minutes on this call. 

XXXX did not help. XXXX contradicted the statements of two previous supervisors- he claimed that Capitol One did not provide balance credits pending during the investigation. XXXX was hostile, continued to talk over me, was so busy on script, he did not address the issue, he refused to look at the record, he said he was going to " cancel the card '' - I kept telling him the card had already been cancelled ( card ending in XXXX ) ; he continued to ask questions that had already been answered- ie he acknowledged that 2 new links had been sent to me for upload - then later asked did I receive these same links to upload documents. 


I was clear - I am not paying for charges I did not incur. Capitol One continues to provide poor customer service - I want these charges to be removed, and my balance should be reduced immediately as is the policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 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: NY

Complaint narrative:
I am a victim of identity theft. XXXX, XXXX, XXXX XXXX and XXXX has fraudulent accounts on my on my credit profile that need to be remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 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:
Hello, My name is XXXX XXXX, I am extremely upset with this entire process of disputing incorrect items on my credit report and the bureaus failure to follow the laws according to my rights in the FCRA. 

I mailed out letters to all 3 bureaus on XX/XX/XXXX, disputing some medical bills that are incorrect on my credit report. I called the originally creditor to ask about these items and they informed me that they no longer have me in their system of owing this bill. They informed me that other company now owns the debt, however, I have never had an account with this debt collector. Shortly, after on XX/XX/XXXX I received a letter from TransUnion stating that no actions will be taken cause they believed a third party sent the letter. But, I sent the letter and I experience stall tactics from the bureaus in the past where they will continue to defer action so that you lose hope. I have attached a copy of their stall letter as well as the dispute letters I sent to all 3 bureaus.

The real issue came when I received a bill from a debt collector that doesnt match the company, the amount or the service debt on my credit report. The name of the creditor matches, but not any other information. This has led me to believe that this account is false and the credit bureaus have no way of validating this in fact is my debt and who it should be paid to. Therefore, I demand that all these accounts be removed immediately. This is totally unacceptable and has effected my ability to advance my family 's living situation due to the tarnish it has placed on my credit report. I have attached the false collection notice for your review as well. 

Please help with this situation. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-13 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: VA

Complaint narrative:
I did not authorize, benefit from or consent to these inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 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: VA

Complaint narrative:
I did not authorize, benefit from or consent to these inquiries 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 2022-02-13 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:
Hello, My name is XXXX XXXX, I am extremely upset with this entire process of disputing incorrect items on my credit report and the bureaus failure to follow the laws according to my rights in the FCRA.

I mailed out letters to all 3 bureaus on XX/XX/XXXX, disputing some medical bills that are incorrect on my credit report. I called the originally creditor to ask about these items and they informed me that they no longer have me in their system of owing this bill. They informed me that other company now owns the debt, however, I have never had an account with this debt collector. Shortly, after on XX/XX/XXXX I received a letter from XXXX stating that no actions will be taken cause they believed a third party sent the letter. But, I sent the letter and I experience stall tactics from the bureaus in the past where they will continue to defer action so that you lose hope. I have attached a copy of their stall letter as well as the dispute letters I sent to all 3 bureaus.

The real issue came when I received a bill from a debt collector that doesnt match the company, the amount or the service debt on my credit report. The name of the creditor matches, but not any other information. This has led me to believe that this account is false and the credit bureaus have no way of validating this in fact is my debt and who it should be paid to. Therefore, I demand that all these accounts be removed immediately. This is totally unacceptable and has effected my ability to advance my family 's living situation due to the tarnish it has placed on my credit report. I have attached the false collection notice for your review as well. 

Please help with this situation. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello, My name is XXXX XXXX, I am extremely upset with this entire process of disputing incorrect items on my credit report and the bureaus failure to follow the laws according to my rights in the FCRA.

I mailed out letters to all 3 bureaus on XX/XX/XXXX, disputing some medical bills that are incorrect on my credit report. I called the originally creditor to ask about these items and they informed me that they no longer have me in their system of owing this bill. They informed me that other company now owns the debt, however, I have never had an account with this debt collector. Shortly, after on XX/XX/XXXX I received a letter from XXXX stating that no actions will be taken cause they believed a third party sent the letter. But, I sent the letter and I experience stall tactics from the bureaus in the past where they will continue to defer action so that you lose hope. I have attached a copy of their stall letter as well as the dispute letters I sent to all 3 bureaus.

The real issue came when I received a bill from a debt collector that doesnt match the company, the amount or the service debt on my credit report. The name of the creditor matches, but not any other information. This has led me to believe that this account is false and the credit bureaus have no way of validating this in fact is my debt and who it should be paid to. Therefore, I demand that all these accounts be removed immediately. This is totally unacceptable and has effected my ability to advance my family 's living situation due to the tarnish it has placed on my credit report. I have attached the false collection notice for your review as well. 

Please help with this situation. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have contacted the credit bureaus multiple time XX/XX/2022 being the last time disputing inaccurate and illegal reporting practices by the debt collector and credit bureaus that are reporting late payments, balances and fraudulent information that they where made aware of with phone calls, letter and documents sent by me with proof. The collections and charge off account continues to ignore my request for proper validation of the accounts that are show inaccurate information on my report. The credit bureaus keeps verifying the information which keeps causing harm to my file and ignore the inaccurate pointed out that the accounts show as open, they are reporting credit limits inaccurately and they are reporting balances which is a valuation and they are reporting missed payments on closed accounts that has no active contracts or accounts. Please enforce the law on to the credit bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 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: TN

Complaint narrative:
On XX/XX/XXXX I disputed and required Transunion to provide verification of the amount of {$12000.00} from XXXX XXXX XXXX that Transunion assumed I owed. I also required Transunion to provide factual proof that the inquires on my consumer report were authorized by me. ( XXXX  XXXX ) ( XXXX XXXX ) I received Transunion response on XX/XX/XXXX, accounts came back verified, and inquires also came back verified without the requirements I requested. 

On XX/XX/XXXX I followed up with a dispute and required Transunion to provide verification of the amount of {$12000.00} from XXXX XXXX XXXX that Transunion claimed they verified. I also required Transunion to provide factual proof that the inquires on my consumer report were authorized by me again. ( XXXX XXXXXXXX ) ( XXXX XXXX ) I received a response on XX/XX/XXXX, but Transunion response failed to provide what I required once again. 

On XX/XX/XXXX I followed up with a no response letter to Transunion, that they shall delete the unverifiable and unconfirmed items on my consumer report. 

Transunion failed to provide information about the accounts disputed. Transunion failed to respond to any of my letters or request. 

On XX/XX/XXXX I mailed Transunion to make them aware of the non-compliance of laws they were violating. 

On XX/XX/XXXX I requested for investigative consumer report procedures. 

On XX/XX/XXXX Transunion failed to respond to what I required them to provide. 

On XXXX/XXXX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I also Required Transunion to comply with the Fair Credit reporting Act and Transunion failed to comply with Federal Law. 

Transunion Never had any permissible purposes Pursuant to 15 USC 1681b ( 2 ) to report any of this information that was on my report. Which means Identity Fraud.

Transunion are non-Compliant with the compliance procedures pursuant to 15 USC 1681e ( a ) ( b ).

Transunion violated 15 USC 1681n ( 1 ) ( A ) ( B ) Liability for willful noncompliance.

Transunion violated 15 USC 1681o ( a ) ( 1 ) for negligent noncompliance Transunion deleted the unverifiable and unconfirmed accounts and inquiries on XX/XX/XXXX, after a whole XXXX year of non-compliance, Unacceptable and life-threatening harm Transunion caused me and my family for almost a complete year. I've been unable to purchase a vehicle for my personal living mode, and that XXXX me and my family. I've been unable to use my credit because of these XXXX reports that violated me as a consumer and a natural person of the land.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
In XXXX, I had a Capital One credit card and the debt was sold to XXXX  XXXX XXXX XXXX XXXX ). I spoke with XXXX and they threatened to sue me and filed a court judgement against me in New York.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Checkr, Inc
State: MS

Complaint narrative:
On XXXX the XXXX 2022, Checkr did my background check and it has suspended me from working for point pickup because it says that I had a driving with a suspended license but that charge was Incorrect and the courts dismissed the false charge. I was exonerated since it was false

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Block, Inc.
State: PA

Complaint narrative:
I did online transfer from my XXXX account to my cash app account which is linked to my XXXX account the money was debited out of my XXXX account immediately on Friday the money never hit cash app I was calling to dispute this with cash app Cash App has not given me any information or provided substantial accuracy for the transaction cash app is the umbrella company of square and which Ive also contacted they advised me that they dont have any affiliation with cash apps transactions cash app also uses XXXX XXXX in which they provide cash app a a checking account routing number and account number and I sense tried to contact XXXX XXXX  and I read the fine print below setting bank XXXXXXXX XXXX noted that they do not handle any cash app accounts for any type of missing transactions or any M accuracy and direct deposits or any further transactions etc. my money is just up in the air with cash app cash app is a scam they are not a real bank and they handles people money and I dont think they should be involved with any type of handling of peoples money and using falsified information claiming that they are under setting bank and setting bank does not have any affiliation or anything to do with Cash App accounts when they do provide a routing number and checking account number for Cash App customers for direct deposit please if someone can contact me further so I can further explain this information I have extensive proof that money was debited out of my account to cash app I also have the proof that XXXX XXXX does not deal with any cash app accounts when they do provide cash app with routing number and checking account numbers and when money is saved to a cash app account it automatically goes to XXXX XXXX so I dont understand why there is no affiliation this should be a matter address for all parties that use cash app and I feel like cash app should not exist or handle anybodys money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
My mortgage was transferred to Mr. Cooper from XXXX XXXX  effective XX/XX/2022. I made an electronic payment for {$1400.00} through my bank to Mr. Cooper on this date, yet Mr. Cooper claims they did not receive it. 
I alerted my bank on XX/XX/2022, and they opened a case with Mr. Cooper since they have proof of payment. I also emailed Mr. Cooper about this, using the address the Mr. Cooper rep gave to me on XX/XX/XXXX, when the bank, Mr. Cooper, and I were on a three-way call to try to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF THE WEST
State: CA

Complaint narrative:
Back in XXXX, I opened a Cd with BANK OF THE WEST,, so I had to open a checking account wich I put in XXXX dollars, but never told me it had to be XXXX To make a long storie short they would minus XXXX and put it back in my chk account, so I the end of XXXX my CD matures so, I transferred my cd to XXXX XXXX, and again had to open a ck account wich they told me I had to leave XXXX in there so, of course I did So BANK OF THE WEST had put some of my interest money in the checking account, wich overXXXX, so I was never informed by mail nor email that I had to had moneys,,,, so couple of weeks ago got a letter from BANK OF THE WEST to see if I was still around, so I send it back with my signature and dated it,, so out of my curiosity went online to ck it out so out over XXXX there was only XXXX left in there, that should of notify me that I needed XXXX in the ck account,, otherwise I would of closed if, who wants to give there money away I, m a Siniore citizen,,, I dont want or give me money away so I should of beened contacted right away,,, But I they send me notifications when they took all my interest money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My edd debit card was fraudulently used since 2020 to now and Ive notified it with Bank of America yet theyre refusing to refund due to it being pass 365 days ( not in their terms, just states fraud zero liability, but no time limit on it ) and other reasons even though my acc was hacked and password was changed multiple times including failed logins. I just want boa to give me back my money from my unemployment claim that was stolen.

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