vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Elly, LLC
State: MA

Complaint narrative:
I have a company named Advanced Business that is taking money from my account Biweekly since before XXXX. I remember making an agreement with them to pay off the debt paying biweekly in the amount of {$10.00} one week and {$15.00} the next week. At that time I didn't know that I needed to ask for a validation letter. I also didn't know that they were required to send me a letter before every transaction they make in my account. First payment was XX/XX/XXXX until XX/XX/XXXX when I called the bank to stop payment. I just assumed that the biweekly payments were for a debt until I recently talked to another debt company I was paying and found out that they are required by law to said a letter through the mail for every payment that they take. I went and looked on my statements for all the charges from the company and the company information. I found that the company shows on my statements as Advanced Busines XXXX. I tried to call the phone number and it just rang and hung up. I tried to look for the company on the internet and called a few with the name that starts with Advanced Business but none of them were debt collection agencies. Going through the bank I found that the company took a total of {$930.00} from XX/XX/XXXX. This doesn't even include the many overdraft fees I got in my account at {$35.00} each that came from these fraudulent transactions. The exact dates the money was taken is as follows : XXXX : XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX : XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I found that in XX/XX/XXXX is when they stopped taking {$10.00} one week and {$15.00} the other and only took {$15.00} every week. My bank created a fraud report and reimbursed me for the last payment made of {$15.00}. I have attached my last back statement I received. If I need to get every bank statement back to XX/XX/XXXX, I will and that will also show all of the overdraft fees accumulated.

Company response to consumer: Untimely response
Consumer complaint received 2023-12-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: NEW YORK COMMUNITY BANCORP INC
State: IN

Complaint narrative:
I Called Flagstar about a loan that I had taken out with XXXX XXXX back in XXXX, and then XXXX XXXX got bought out by Flagstar and my loan I guess transferred over to their system, and never contacted me about it, I called them multiple times over the past month trying to resolve the issue with the loan, but was pushed off to 4 other departments because they could not find my name, then someone finally found my name after the fourth transfer an said they had to transfer me to this company called the Consumer Loan Task Force. I got their voicemail but could not leave them a voice mail because it was full and could not leave them a message. I then called Flagstar back to try and see if I could just take care of the loan with them, they said no it had to go through this company and I told them hey their voicemail is full I can not get them to answer even though their company says they are open XXXX XXXX XXXX XXXX, no one answered me. Flagstar told me they would send them a email stating what was going on and that I would like to resolve the loan issue and to tell them their email is full. I waited a couple days to see if anyone would call but they did not, so I called them again and come to my surprise their voicemail was not full anymore, so I left them a voicemail and I yet have to hear back from them and its been about 2 weeks, I called them today XX/XX/XXXXXXXX  and left them another voicemail even though it says not to leave more then one. I did anyways because they have failed to contact me back about anything.

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 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am a victim of identity theft and I have been trying to dispute accounts that are fraudulent. The disputes are not being processed correctly according to the FCRA and I am not getting copies of the verification process That I am requesting. The FTC report I filed is not being attached to my disputes.

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 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I was a victim of indenting theft I been in two breach one by the United States postal service and one through XXXX XXXX and I also have a fraud alert I have three open credit XXXX, XXXX, and XXXX and a XXXX XXXX that I been disputing and XXXX just keep updating without sending documents verifying and my credit is being affect tremendously they will take XXXX point off but will put XXXX point back on when your paying on time I want my credit to be deleted and my score to go back up

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 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I was a victim of indenting theft I been in two breach one by the United States postal service and one through XXXX XXXX and I also have a fraud alert I have three open credit XXXX, XXXX, and XXXX and a XXXX XXXX that I been disputing and XXXX just keep updating without sending documents verifying and my credit is being affect tremendously they will take XXXX point off but will put XXXX point back on when your paying on time I want my credit to be deleted and my score to go back up

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I received a check in the mail issued by Bank of America in the amount of XXXX The letter accompanying the check stated that you will find a check from your Bank of America prepaid card account. I do not have a Bank of America account. I do not have a prepaid card with Bank of America. I did not cash the check because I believe this to be a scam. I checked my credit report and there is no suspicious activity. I tried to report this to the Bank of America fraud division but I could not get through their customer service line to make any kind of report because I dont bank with them. I want to report this check as fraud because I believe it will cause harm to others.

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 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Kindly delete this inquiry from my credit report. I did not initiate it and have no connection with the associated creditors.

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 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian now has stolen XXXX  months of on time never late payments to XXXX and refuse to give them back. Overwhelming evidence that Experian is deliberately engaging in these tactics to retaliate against me for filing these complaints

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 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Review the attached documents. I request the bureau to start an investigation into these accounts. I have never been late, but they are erroneously reporting me as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1682 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ) ). It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: FL

Complaint narrative:
My SAVE program application has been in process since XXXX. After an administrative forebearance my loan application status has not changed. I applied for forebearance on XXXX to take effect on XXXX. That application has not been processed either. Ive sent two messages asking what a reasonable timeline for each would be and have had no response. Ive since been making payments at the higher payment amount. My wife uses XXXX and her SAVE program application was approved in two days. Our household income is the same. I dont understand why itd take a different servicer over two months to process an application for the same household.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: IA

Complaint narrative:
US Bank denies claims for fraudulent withdraws from account. We did not authorize or make these transfers. Closed accounts after bank verified that phone number and address changed on accounts by someone accessing online accounts and accounts compromised. Indicates either someone hacked my account or that I gave my banking info to someone. Bank indicates that someone obtained log info to online account but refuses to cover fraudulent charges unless they know they are going to get their money back. Refunded the XXXX XXXX fraudulent transfer but not any other charges. Most charges went through the US bank app that partners and sponsors XXXX on their banking app. We did not make these transfers or authorize these charges. Bank states someone had access to online banking access, changed address and phone number so that we would not get alerts but denies claims. Requested claim denial documentation used to make their decision to deny refunding amounts but I am not sure what all the abbreviations mean or how to read. Nor can I understand how they acknowledge that online banking info was compromised and fraudulent and were able to refund a XXXX XXXX transfer because they were able to get their money back but refuses to recover other charges made through their US Bank App XXXX sponsor/partner. I do not have a XXXX account nor would I use one of these types of apps. Fraud was able to be transferred through US Bank due to partnership with XXXX. As well as a credit card advance in the amount of {$1300.00}. I did not do take out a cash advance on my credit card. I did not authorize or make any of the below charges. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Bank did return money due to they were able to get their money bank from 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 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 2023-12-05 00:00:00
Product: Credit reporting 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:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

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 2023-12-05 00:00:00
Product: Credit reporting 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:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

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 2023-12-05 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I asked transunion to update my credit report about my personal information. They still haven't the addresses they have on file are wrong! I would appreciate it if they would update it

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 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian credit reporting agency does not provide direct reporting of their Vantagescore credit reports. Instead they refer consumers to banks which either have difficulties getting scores, or only offer scores via paid services and products unrelated to credit reporting. 

I have no difficultly obtaining Vantagescore credit reports and scoring from XXXX and XXXX, and can obtain their credit reports and scoring directly through their online portal.

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