vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-20 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-07-20 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge differenceXXXX XXXX  paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-07-20 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:
TODAYS DATEXXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXXXXXX XXXX XXXXXXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department po box XXXX XXXX, Texas XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX 


I recently submitted a request for investigation of an Acct Number : DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DP OF EDUC XXXX XXXX XXXXXXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the XXXXXXXX in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXXXXXX XXXX XXXXXXXX, XXXX XXXX FL 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 2022-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: DE

Complaint narrative:
An individual or individuals purchased XXXX XXXX in my name. XXXX sent a bill to my home address and a notice from a XXXX XXXX XXXX XXXX XXXX XXXX  ) was received on the same day, prior to the bill and the notice, I was unaware of the breech. I called XXXX to dispute the bill the next day asking how the phones were ordered and what I needed to do. On XX/XX/2022, I filled out the XXXX Fraud Management by email at ( XXXX ) the recommended method of correspondence and received no response. I also explained to them that XXXX had notified me of the breech and was actively working to fix the problem. Thinking the issue was settled, I did not follow through any further, but on XX/XX/2022, XXXX sent my bill to a second Collection Agency . Once again, I contacted the AmSher Collection Services , IncXXXX explaining the situation and asking what I could do. They told me that I should write a letter, and submit a fraud claim through the XXXX website. I had already corresponded with Fraud Management by email on XX/XX/2022. An agent at XXXX said I should contact a XXXX store and find out what to do, and I complied not receiving any more pertinent information regarding correcting the issue. Furthermore, I wrote letters and provided a police report, the police report number and an explanation of what I had done including a request to AmSher asking for them to provide " pertinent '' information regarding the transaction. The letters to both AmSher and XXXX should have been received before XX/XX/2022. Meanwhile, XXXX still persists in collecting the debt from me, once again referring my case to AmSher Collection Services . Repeated phone calls to AmSher have met with no success, and many of my calls are dropped or not allowed to go through. When speaking with representatives from AmSher they tell me that XXXX must initiate the " clearance '' of the debt and XXXX  says that AmSher must initiate the clearance. You would think that the company that incurred the debt would be able to clear the debt, but I don't know. XXXX has been unable to give me any information regarding, how my information was documented for this alleged purchase or where the phones were delivered. AmSher has been equally evasive and refuses to speak with me. In the letter I sent to both AmSher and XXXX XXXX XXXX told them I had to have information regarding my account so I could prosecute the individuals responsible for this behavior.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
On Thursday XX/XX/2022 Columbia Debt Recovery LLC DBA Genesis phone number XXXX contacted againt my work place XXXX XXXX XXXX in XXXX WA for the second time and talked to a security guard in the control center about my personal information. XXXX  policy prohibited phone calls from collection agency or soliciting company. Also FTC considers a collection telephone call to your work place from a creditor unfair or deceptive act. The representative from this company XXXX XXXX is calling to my work place several times. I told him that STOP calling me instead use email, but he continues to do his bully job. I meet with my supervisor about these two phone calls. Next time will be a mark in my employee file. Also, I told XXXX XXXX that I work in a XXXX  XXXX  please respect the XXXX  and co-workers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following accounts : 1. XXXX XXXX Account # : XXXX Original Creditor : XXXX 2. XXXX XXXX XXXX Account # : XXXX Original Creditor : XXXX 3. XXXX XXXX XXXX Account # : XXXX 4. XXXX XXXX XXXX Account # : XXXX 5. XXXX XXXX XXXX Account # : XXXX 6. XXXX XXXX Account # : XXXX 7. On the XXXX Report there are 2 account that are continuously being reported with no account name listed. The account # 's begin with XXXX & XXXX which is in violation of FCSR by not publishing proper information. 

8. XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for and purpose.

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 2022-07-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Back in XXXX of 2021 I contacted Wells Fargo my bank to make a report of money being taken from myself that should not have been taken. I am the victim of a rent scam. I paid out just under {$3000.00}. I have been fighting the denials in this case for almost a year now. I specifically used XXXX through my banking app so that if anything was to ever happen I had the paper trail to back up anything I have done money wise. I am being declined on many occasions of fighting this. At this time I have provided police reports and all information they have needed to prove I was lied to, robbed, deceived, and taken advantage of. I am completely unhappy with how this bank as taken this situation. They do not back up there customers. They should not be allowed to partner with third parties if they are not going to protect their clients.

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 2022-07-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
BANK OF AMERICA has contacted me as well as a debt collector stating that account number XXXX was opened sometime 10-12 years ago and is my account. I have never banked with bank of America. I have never had a credit card with bank of america. I have requested validation of the account and information from them and a copy of the signed contract or statements and they have failed to send any of this back to me and i made this request with them on XX/XX/XXXX at XXXX. This is a fraudulent account and they are refusing to investigate the matter properly.

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 2022-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
This is an ongoing dispute with Capital One. I know my rights and you are trying to over charge a payment plan. What I would like for Capital one to do is to honor what was stated over the phone or lower the payment to a reasonable payment plan.. Their employee said XXXX dollar payment, I asked for a clarification that this was a XXXX dollar monthly payment and I was told yes, then she took the payment, then I asked again and was told no this was just a payment towards the bill. If I am correct if a bill is XXXX, XXXX  dollars you can not charge more than XXXX dollar payment. This is a law and Capital one is breaking that law by making a charge for XXXX dollars. if my bill was XXXX to XXXX dollars I can see a XXXX dollar payment. Calling you customer service to discuss a payment plan has not worked, if you were willing to work with me, then you would have done that the first time I called in. Now that I have involved the CFPB, now you want to discuss a payment if I call capital one. What I want is your capital one to lower my payment from XXXX dollars to a manageable. On my other card I have from you, my payment is XXXX dollars, so you can lower the payment, you are just refusing to do so. I will keep filing my complaint until you agree to a reasonable payment plan. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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:
XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  Dispute Department XXXX  XXXX  XXXX XXXX, Texas XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX 


I recently submitted a request for investigation of an Acct Number : DEPTEDXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DP OF EDUC XXXX XXXX/XXXX  XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( XXXX  ), and Richardson v. Fleet, XXXX  et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX XXXX FL 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 2022-07-20 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:
XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX, FL XXXX Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  Dispute Department po box XXXX XXXX, Texas XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX 


I recently submitted a request for investigation of an Acct Number : DEPTEDXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX  XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v XXXX, XXXXtevenson v. TRW ( XXXX ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
Wrote a checking to XXXX XXXX XXXX ( XXXX XXXX KS ) for first months rent for XXXX on XX/XX/XXXX due to online payment portal being down. Physically handed it to an employee on the same date. They claimed they lost the check. Paid rent again online on XX/XX/XXXX. The original physical check was cashed XX/XX/XXXX, processed XX/XX/XXXX. XXXX XXXX claims they do not process checks at a bank, the account number is not theirs and that the check never went through their system. The back of the check was clearly stamped with Bank of America and an account number. The original check was written from a bank XXXX account.

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 2022-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I entered into a consumer credit transaction on XX/XX/22 with Navy Federal and they failed to disclose my right to rescind under the Truth In Lending Act. The following attachment is all that they provided me with and I sent them a letter making them aware of the violations which is also attached. 

Pursuant to 15 USC 1635 ( a ), in the case of any consumer credit transaction in which a security interest is or will be retained, the obligor is both authorized and required to have the right to rescind the transaction. They are also required to provide those forms so that I can exercise that right. They have not.

Navy Federal can not try and deny that they don't have this responsibility because they are required to adhere to the Truth In Lending requirements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation