vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-01 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: VA

Complaint narrative:
I started receiving a bill from XXXX XXXX in XXXX of 2022. I thought it was spam mail so I ignored it because I monitor my credit and none of the three bureaus were reporting a XXXX XXXX account in my name. After 3 months my credit dropped over 100 points due to the XXXX XXXX showing up on my credit with no payment made on XXXX XXXX worth of charges. I don't understand how a fraudulent card/account was opened in my name and not receive a 'ping ' from XXXX XXXX  or any of the bureaus like I usually do when I authentically open up a credit card account. I also never received the card, only the bill. How can someone open up a credit card fraudulently and a company mail the card to another address in another State? XXXX XXXX was informed of this when I spoke to them and they referred me to this website. Not sure why... so I am filing this. I also filed fraud with Transition, XXXX and XXXX. I want XXXX XXXX to remove this negative information from my files ( 3 bureaus ). When I spoke to them they said 'oh yes I see this isn't you ' but they don't give me any other information other than the card was mailed to a different address in another state ( good grief ). Why would they do that? That is a red flag! They seemed to know that this was 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 2022-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
45 days after my XXXX XXXX  Bankruptcy was discharged I checked my XXXX XXXX Credit Report to ensure all accounts were being reported correctly. 
I discovered that Merchants & Professional Collection Bureau , Inc. was reporting and old medical debt of XXXX that was discharged in the bankruptcy as a current and open debt. However they are showing a XXXX balance and that it was discharged. 
Showing a XXXX balance, they have lost permissible purpose and should remove this collection account from my credit file but have refused to do so. 
My Attorney has also sent them a cease and desist letter demanding the removal of the item, yet they have still refused to remove the item and continue to report as an open account with a XXXX balance. 
This is a debt that started with XXXX Texas XXXX XXXX and I have tried to reach out to them as well and they advised that Merchants & Professional Collection Bureau, Inc.is handling the account now and they also refused to take any action after the BK discharge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
i already sent correspondence to transunion they are not responding i am a victim of identiy theft and there are unauthorized, unidentified inquiries on my credit report block and remove the following fradulent inquiries Transunion XXXX XXXX XX/XX/2022

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 2022-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Early Warning Services, LLC
State: OR

Complaint narrative:
My husband sent me money via zelle through his bank XXXX XXXX to my bank XXXX XXXX. It was sent XX/XX/XXXX. It is in limbo. Zelle blames the banks, both banks told me to contact zelle, zelle told me it's on the bank. Meanwhile I am out XXXX dollars and am overdrawn at XXXX XXXX. Where is my money? Who is responsible? Evidently no one. Can anyone find this money?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
THIS ACCOUNT IS REPORTING FALSE INFORMATION AND NEEDS TO BE REMOVED IMMEDIATELY. THIS ACCOUNT IS SHOWING FALSE DATES ON THE 1. DATE OPENED 2 LAST REPORTED 3. LAST ACTIVE DATE ALL HAVE DIFFERENT DATES COMPARED TO OTHER BUREAUS. THIS IS FRAUD AND HAS TO BE REMOVED. IT HAS A 0 BALANCE, THIS COLLECTION HAS ALREADY BEEN REMOVED BUT IS STILL SHOWING UP AS DEROGATORY ON MY REPORT. I JUST WANT IT REMOVED FROM MY REPORT COMPLETELY. 

Account # : 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 2022-06-01 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: NOVAD Management Consulting, LLC
State: PA

Complaint narrative:
Novad Management Consulting has not responded to me or my realtor for a payoff amount ; there has been offers for my property since XXXX, 2021 ; The balance now owed is {$90000.00} and I moved in XXXX, 2021 and I am still paying utilities which I can't afford ; I have moved to senior apartment ; My realtor had offers for my property but they have not responded to her and I have also written a letter no response ; I notice that this company has over nine hundred complaints ; I want to really sell my home but they won't respond just keep sending the monthly statements and the amount is getting and higher ; PLEASE HELP ME!!!! Tell them to respond!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Received a phone call on my landline stating the call was from Wells Fargo credit cards services and my card was used in a purchase. The call came from XXXX and XXXX o not own a Wells Fargo credit card.

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 2022-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Clark County Collection Service
State: CA

Complaint narrative:
I received orders from XXXX XXXX, XX/XX/XXXX to XXXX XX/XX/XXXX, XX/XX/XXXXin XX/XX/2022. The electricity was shut off at previous address in XX/XX/2022 through the servicing company XX/XX/XXXX XXXX. A balance was not stated on the last bill I received that month. In late XX/XX/2022, I received a notice of a debt in the amount of {$540.00}. I called and asked why I wasn't notified in XXXX and stated my situation but they sent my account to collections regardless. Apparently they sent a notification to the house I no longer lived at the the current residents kept the mail and I was never notified nor given a chance to dispute, arrange payment, etc. 
The amount is extreme due to a plan theXX/XX/XXXX XXXX offers, which does not stipulate that I wave Servicemembers Civil Relief Act rights by enrolling the program. 
Now I am in collections through Clark County Collection Service. The agent handling my debt claims to have never heard of the SCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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 — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CT

Complaint narrative:
Repeated ( daily ) calls from " Nissan XXXX '' asking to speak to a person who does not ( and has never ) lived in this house. Impossible to speak to a human about this, these are robocalls. Calling number is XXXX or XXXX ( or a variation ). No one in this household has or ever had any dealings with Nissan XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I have been contacted by phone and mail by a company allegedly called XXXX XXXX and XXXX. The messages claimed there is a complaint that would lead to litigation. They finally contacted my sister to find me. I called them, and they said that in XX/XX/XXXXI had a Bank of America account which I abandoned, leading to about {$800.00} of interest, and she ( " XXXX XXXX '' ) asked if I wanted to settle with the initial owed, about {$300.00}. I asked why this hadn't been brought to collections, shown on a credit report, etc. XXXX said the company chose not to take that route. She gave me a false bank account number ( I found my old one and it doesn't match ), and she had my true social security number, address, phone number, and the numbers for my husband and sister. Bank of America will not speak to me without a current account number.

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 2022-06-01 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: FL

Complaint narrative:
I recently came back from an overseas travel and as I verified my credit report I realized that multiple attempts were made to open credit card accounts under my name hard inquiries were pulled I have spoken to the credit card companies in question I have also frozen my trans union credit bureau however no changes have been made.

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 2022-06-01 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XX/XX/XXXX Account XXXX XXXX XXXX # XXXX, XX/XX/XXXX XXXX Act. # XXXXXX/XX/XXXX XX/XX/XXXXCuAct. # XXXX, XXXX Bank XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX # XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XX/XX/XXXXAct. # XXXX, XXXX Bank XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXl XX/XX/XXXXAct. # XXXX XXXX XXXX XX/XX/XXXXBank Act. # XXXX has violated my rights XXXX 

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

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

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 2022-06-01 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XX/XX/XXXXXX/XX/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 an account without my written instructions

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 2022-06-01 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XX/XX/XXXX XX/XX/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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XX/XX/XXXXAccount XXXX XXXX XXXX # XXXX, XX/XX/XXXX XXXX Act. # XXXX,XX/XX/XXXX XX/XX/XXXXAct. # XXXX, XXXX Bank XX/XX/XXXXAct. # XXXX XXXX XXXX Act. XXXX XXXX XXXX Bank Act. # XXXX XXXX, XXXX XXXX XXXX Act. # XXXX, XX/XX/DsnbAct. # XXXX, XXXX XX/XX/XXXX XXXX Act. XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXAct. # XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX Act. # 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XX/XX/XXXX Account XXXX XXXX XXXX # XXXX, XX/XX/XXXX XXXX Act. # XXXX, XX/XX/XXXX XX/XX/XXXXAct. # XXXX, XXXX Bank UsaAct. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX # XXXX XXXX, XXXX XXXX XXXX Act. # XXXX, XX/XX/Dsnb Act. # XXXX, XXXX XX/XX/XXXX XXXX Act. XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXAct. # XXXX XXXX XXXXXX/XX/XXXXBank Act. # 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 an account without my written instructions

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 2022-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I purchased an item through Paypal almost a year ago through a vendor XXXX. After receiving the product, I realized the item was not what was on the website or as described. I was also informed by a professional beautician that the hair purchased was snot " human hair '' as described on their website. This company after filing the Complaint reached out to me, I informed them of the issue and they were going back and forth. I reached out to Paypal via phone several times the issues were never solved and I never heard anything back from Paypal or the merchant it has been over a year now. I spent over 300 hundred dollars on this product, again it has been a year, I was scammed and all of PayPal. I disputed withing the time request within the 180 days and I never got a notification or follow-up, I feel like Paypal sent the merchant to talk me out of my refund, and neither of the parties has responded to this day. It has. back and forth and when I call Paypal I am told it is river 180 days, meanwhile this dispute was filled months ago. It has been XXXX. I can not even use this product. I use Paypal to protect me from things like this and still, I was scammed and Paypal refuses to help. It has been a nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: VA

Complaint narrative:
I am writing to request an immediate removal of fraudulent inquiries and accounts that appear on my XXXX, XXXX, TransUnion consumer report. Ive sent letters with attachments of identification to each bureau disputing the inquiries and accounts listed below and that they are fraudulent as well and nothing was done. Also I had to put a fraud alert on XX/XX/XXXX on all three Bureau due to the fraud activity that was taking place. I've reported the activities to the FTC, which will be attached to this letter. This matter is very tormenting to my family and has hender us in so many ways. My son is unable to attend this private school due to financial reasons dealing with means of my consumer report. I demand these accounts and inquiries to be blocked and removed immentidaley. 

Accounts : XX/XX/XXXXXXXX Account Number : XXXX XX/XX/XXXX - {$0.00} XX/XX/XXXX Account Number : XXXX XX/XX/XXXX {$150.00} XXXX XX/XX/XXXX Account Number : XXXX XX/XX/XXXX {$690.00} XXXX XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX XX/XX/XXXX Account Number : XXXX XX/XX/XXXX {$1600.00} Inquiries : XX/XX/XXXX, XX/XX/XXXX,,XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/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 2022-06-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XX/XX/XXXX, I discovered a fraudulent charge of {$820.00} on my CareCredit ( Synchrony ) card from XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX, GA. At the time, there was no contact information available for the merchant ; so I contacted CareCredit to dispute the charge. They notified me that they would have to open an investigation into the matter that could take up to 60 days, and that no refund will be issued until the investigation is over. On XX/XX/2022, the transaction updated to where I could see the phone number and address of the merchant. I contacted XXXX XXXX and their manager let me know that they had been attempting to contact me since the transaction was completed, as they deemed it to be fraudulent as well. They notified CareCredit of the fraudulent charge in an effort to refund the charge, to which CareCredit refused and stated they would have to contact me directly to refund the payment. XXXX XXXX had no means to contact me as I was not the original person who made the fraudulent transaction. If I hadn't noticed the charge, this would have went unseen. Additionally, CareCredit was aware of the fraudulent charge at the time I contacted them, did not notify me, and still proceeded with opening an investigation into a transaction they had knowledge of being fraudulent to begin with.

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 2022-06-01 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: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
My XX/XX/XXXX Mastercard statement from Huntington Bank included three charges ( all on XX/XX/XXXX ) from XXXX, XXXX totaling {$5400.00} and XXXX charges ( all on XX/XX/XXXX ) from XXXX, XXXX totaling {$2300.00}. These charges totaled {$7700.00} and were obviously fraudulent as the credit card remained in my possession at all times and I had not provided the account information to anyone, much less to people in XXXX and XXXX. I contacted Huntington 's Fraud Division twice and visited a Huntington Bank branch twice to contest the charges as fraudulent. On XX/XX/XXXX, I sent a letter to Huntington stating that the charges were fraudulent and that I refused to pay them. 
I received identical letters dated XX/XX/XXXX and XX/XX/XXXX stating that " no error had occurred '' and that I was responsible for paying the entire amount plus applicable interest and fees. I filed a police report and sent Huntington a letter on XX/XX/XXXX citing the Fair Credit Billing Act and again refused payment of the fraudulent charges. Huntington has not responded to my XX/XX/XXXX letter, continues to add interest and penalties to the disputed charges, and calls constantly. When I call Huntington as requested, they inform me of the total owed, which now includes approximately {$900.00} in interest and fees, and that I need to make payment immediately.

Company response to consumer: Closed with monetary relief