vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-01 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: GA

Complaint narrative:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2022-04-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2022-04-01 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I am a consumer by law and this formal complaint was not sent in error or default. The information on my consumer report is not reporting 100 % maximum accuracy as well as being unauthorized use of my information. It has been well over 30 days with no response from XXXX and by law these erroneous accounts must be removed expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: CA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : 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 2022-04-01 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: Experian Information Solutions Inc.
State: AE

Complaint narrative:
I sent Experian credit bureau a 609 letter to validate the incorrect account that is being reported on my credit report. This was on XX/XX/XXXX, and I have yet to receive a response back in regards to the matter. The following accounts follows ; 1.The following account is not mine XXXX {$6600.00} 2. The following account is not mine XXXX {$5300.00} 3. The following account is not mine XXXX {$550.00} 4. The following account is not mine XXXX XXXX {$78.00} 5. The following account is not mine XXXX  {$13000.00} 6. The following Inquiry is not mine XXXX XXXX  Date of Inquiry : XX/XX/XXXX A 30 day demand to comply letter was also sent to the Credit Bureau as well. Please see attached documents.

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 2022-04-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-04-01 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 AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/XXXX, I was charged a {$35.00} overdraft fee from Bank of America. My account had a hold that was placed three weeks prior, and unbeknownst, an ACH from XXXX XXXX went through. Somehow, the hold disappeared and the ACH charge was allowed to go through, causing my account to be overdrawn even though I had a new account with them that had enough balance to cover it. I called customer service and they refused to refund me the fee. I then spoke with the fraud department and they told me that this was indeed a banking error and in no way my fault. They said they would reverse the charge but they still have not done anything. I called customer service again and they still refuse to reverse the fee. 

The reason why my account had a hold was because of a fraudulent XXXX charge from XX/XX/2021 that Bank of America refuses to credit me. I submitted a complaint with XXXX  and the response from Bank of America was that they would credit me " within 45 days. '' It has been past their timeline and I still do not have my money back. I don't know why they keep stealing from me and I really do not know what else to do. I am about to have a XXXX XXXX over this. BOA is causing my XXXX XXXX to deteriorate. I need them to stop stealing money and return what they took from me. If not, I am afraid I will have to escalate the matter further.

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 2022-04-01 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I am a consumer by law and this is a formal complaint and was not sent in error or default. There are erroneous accounts on my consumer report not reporting 100 % maximum accuracy. I have experienced unauthorized use of my information.

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 2022-04-01 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions The debt that is being reported on my consumer report is only on XXXX, the credit reporting agency has failed to report accurate and complete credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
On XX/XX/XXXX, I requested an XXXX XXXX Credit Card with Citi bank, I live in Hawaii, and on XX/XX/XXXX, I got a text message saying that there is suspicious activity in my account. So I checked my Citi bank app and there were different charges placed on Florida and the XXXX XXXX with a total of ( {$200.00} approx ). 
I called Citi Bank, they said they will start an investigation and they will send me a different credit card, well after what happened I felt so insecure that I decided to not activate the new credit card. 
On XX/XX/XXXX, I got the same text message saying that there was suspicious activity in my account, I called Citi Bank, the agent told me that there was an XXXX account that they did not disconnect from my previous card and the charges were placed thru the XXXX XXXX ( I don't have any XXXX products I use XXXX ). She said I did not have to worry and they will send me a new credit card, I asked to please close my account I was not interested in getting a new credit card after what happened twice. 
But on XX/XX/XXXX, I got a bank statement saying that I have a balance of {$490.00} Which I did not know how that happened if I did not have a pending balance after my first card and I never activated my second card. 
I sent an email and I called Citi bank again but since my account was closed they did not help me. 
I refuse to pay that balance because I did not use it, and again all those charges were placed in a different State. 

I have attached to screenshot of the text messages. 
Also a report of the day I closed my account and an email with a statement after that.

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 2022-04-01 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:
ln accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

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

15 U.S.C 1666B : 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 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 2022-04-01 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: FL

Complaint narrative:
ln accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

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

15 U.S.C 1666B : 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 2022-04-01 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I am a consumer by law and this is a formal complaint not sent in error or default. The information on my consumer report is not reporting 100 % maximum accurate as well as the unauthorized use of my information.

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 2022-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I received a letter from Wells Fargo in XX/XX/2017 indicating that my account ending in XXXX was being closed by the bank. Then in XXXX of XXXX nearly XXXX later I received a letter from Wells Fargo indicating that the same account XXXX had been adversely affected due to an excessive hold placed on a deposit to the account. As I was the sole account holder and authorized user and had stopped accessing the account upon receipt of the XXXX  letter, an unauthorized party accessed the account to make the deposit and almost certainly make debit transaction. Unauthorized access to AuthorizeXXXX 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 2022-04-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
Carrington continues consistently make Fraudulent Activities on this loan. They had someone put a letter in our mailbox after XXXX pm last night. It was dated XX/XX/XXXX. I got the mail at XXXX o'clock that evening and that wasn't there. My husband check the box after work which was XXXX last night and it was there. It was dated XX/XX/XXXX. The letter had new payment due dates. It is NOW XX/XX/XXXX thru XX/XX/XXXX with a total now of {$15000.00}. The payment went sent on XX/XX/XXXX, they took {$140.00} out for the Property Inspection. So it was not enough for the payment. It was put in unapplied funds. The new letter now shows the property inspection fee as {$20.00}. The unapplied fund amt stayed the same. We tried to make XXXX and XXXX payments. The Account was LOCKED It would not allow us to make those months ' payments. 
On XX/XX/XXXX they said we were PAST DUE for XX/XX/XXXX thru XX/XX/XXXX We sent copies of the CHECKS to show the payments were made. At that time the amount was {$14000.00}. I ask CFPB to have Bank XXXX XXXX send our PAYMENT HISTORY from Years XXXX through XXXX. They sent XXXX through XXXX. XXXX  XXXX XXXX had this loan from XXXX through XXXX. There needs to be a FORENSIC AUDIT on this LOAN. We did not miss a payment. We are been harassed and we FEAR FOR OUR LIVES. This Is called BANK FRAUD. Help us SAVE OUR HOME. XXXX  XXXX XXXX and Carrington SHARE RESPONSIBILITY!! XXXX  XXXX XXXX Transferred the Loan To Carrington. Will Someone, Please put A STOP TO THIS HARASSMENT DO A FORENSIC AUDIT TO THE LOAN!! THIS IS DANGEROUS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
This is a complaint against FedLoan Servicing for wrongfully denying my application under the Limited Public Student Loan Forgiveness Waiver. Ive summarized the relevant details in the attached letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Paid a deposit fee of {$50.00} using zelle ... to a XXXX XXXX, email address : XXXX For a XXXX puppy he promised me. 
The agreement was {$50.00} deposit and I was to pay the additional {$250.00} when we meet for the exchange. He quit responding after the 50 was sent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
During the pandemic I was affected and missed a payment for 30 days and the government announced a an extension in the payment and they did not do it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions The debt that is being reported on my consumer report is only on transunion the credit reporting agency has failed to report accurate and complete credit information.

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 2022-04-01 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: AE

Complaint narrative:
I sent TranUnion a XXXX letter to validate the incorrect accounts that is being reported on my credit report. This was back on XXXX XX/XX/XXXX. I have yet to receive any response back in regards to the matter. The following accounts follow : 1. The following account is not mine XXXX 2 . The following account is not mine XXXX 3 . The following account is not mine XXXX XXXX 4. The following Inquiry is not mine XXXX Date of Inquiry : XX/XX/XXXX 5. The following Inquiry is not mine XXXX Date of Inquiry : XX/XX/XXXX A 30 day demand to comply was also sent to TransUnion as well, which they failed to adhere to.

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 2022-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
The is my second complaint against Midland Credit Management for harassment and fraud. MCM has failed to produce any documents in which I can validate an alleged debt that they have taken legal action to collect. They are continuing to report this alleged debt to credit reporting agencies against my request to cease. 

The company responded to my CFPB complaint on XX/XX/2022, stating that I was sent a validation letter. Who validated this alleged debt? What is there contact information? Were they a witness to the signing of an agreement to pay this alleged debt? Pursuant to USC 1692g only a consumer can validate a debt and I still have not received the documents requested to do so. Therefore it is against federal law to pursue this collection.

Your company also stated that enclosed in your response is the original contract. I have looked through all the paperwork enclosed and see no contract. Pursuant to the XXXX a legally enforceable contract requires offer and acceptance and full disclosure. There is no original contract with wet signatures of both parties showing there was an offer and acceptance nor full disclosure. There is also no witness to attest this alleged agreement. 

The information your company is furnishing to the three major credit reporting agencies has not been validated, therefore it is not accurate. Continuing to report this is harassment and violation of USC 1692d ( 4 ).

Pursuant USC 1692i ( b ) your company is not authorized under any federal law to bring legal action against me. You have produced no credible evidence. You have presented nothing but statements, not invoices to be paid. There is no signed contract between I and your company agreeing to pay this alleged debt. There is also no actual accounting showing your company has endured any debt to be paid by me. Therefore I would like to know what are the several factors used to determine the eligibility of accounts for legal efforts?

Company response to consumer: Closed with explanation