vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-08 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: AZ

Complaint narrative:
I have contacted XXXX XXXX UNIVERSITY on XX/XX/2022 and XX/XX/2022 through mail, requesting a binding contract between me, XXXX XXXX and XXXX XXXX UNIVERSITY, which has not been provided. I also requested proof of authorized consent from XXXX XXXX, me given to XXXX XXXX UNIVERSITY to access and damage my credit report. This has not been provided as well. This company refuse to remove from my credit report and is fraudulently attempting to collect debt with no binding contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: AZ

Complaint narrative:
I have contacted XXXX XXXX UNIVERSITY on XX/XX/2022 and XX/XX/2022 through mail, requesting a binding contract between me, XXXX XXXX and XXXX XXXX UNIVERSITY, which has not been provided. I also requested proof of authorized consent from XXXX XXXX, me given to XXXX XXXX UNIVERSITY to access and damage my credit report. This has not been provided as well. This company refuse to remove from my credit report and is fraudulently attempting to collect debt with no binding contract.

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 2022-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have contacted XXXX XXXX XXXXXXXX on XX/XX/2022 and XX/XX/2022 through mail, requesting a binding contract between me, XXXX XXXX and XXXX. XXXX, which has not been provided. I also requested proof of authorized consent from XXXX XXXX, me given to XXXX. XXXX  to access and damage my credit report. This has not been provided as well. This company refuse to remove from my credit report and is fraudulently attempting to collect debt with no binding contract.

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 2022-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: CA

Complaint narrative:
Disputed a transaction on my credit karma spend account which was difficult I had to threaten to call my lawyer for them to file the dispute. They then froze my account the following day after refunding the disputed transactions. I have contacted them over 100 times. I am now XXXX  and with out funds for me and my kids because credit karma froze my account without notice or explanation. I have requested to close my account and refund my money back to the bank account I have linked with credit karma. Nothing has been done at all they wont respond or release my funds or close my account. I have lost and tried everything because of credit karma.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CLGF Holdco 1, LLC
State: AZ

Complaint narrative:
I have contacted INDIGO/GENESIS CARD SERVICES on XX/XX/2022 and XX/XX/2022 through mail, requesting {$930.00} ( which includes late fees, which should not be since I have been contacting the correct department by mail as stated on the back of each statement ) be credited back to my Indigo credit card account, due to lack of verification of purchases from XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act, XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act, XXXX XXXX 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 instruction.

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 2022-06-08 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act, XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act, XXXX XXXX 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 instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX  XXXX Date XXXX Balance : {$220000.00} ; XXXX XXXX Balance {$0.00} Date Opened : XX/XX/2016 Balance : {$0.00} ; XXXX XXXX Balance {$0.00} Date Opened : XX/XX/2016 Balance : {$0.00}. 

A copy of my Bank statement/Utility Bill, drivers license, W2, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by 3 credit Bureaus not blocking these accounts is inadvertently resulting in me being extorted.

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 2022-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2022, Bank of America took out the funds in my account again - {$330.00}, my savings card has been locked and can't be used, call customer service, check the information, and tell me that it can be used, but it doesn't work, repeated this many times, on XX/XX/2022 I received a new card, the card number has not changed, I am very angry, again, I changed the card I was using without permission, and deliberately delayed the time, The reason for the transfer given by the bank is different for each statement. If you can't reply, you can find a reason to end the conversation. It is all the same. It is said that I have overdrafted arrears in another checking account in the past. Can the checking account support overdraft? If it can, then there is no deposit check, there will be a bounced ticket. Also, do you want to notify me of the debit, instead of hiding it? Also, the deduction is twice concealing the replacement of my card, why is this? The customer service staff said that the bank has the right to operate the replacement for the customer without telling the user. I have recorded the multiple calls. If there is no problem, why do I need to change my card after deducting the money? There is no need to argue against me like this, the bank 's practice, I also checked and a lot of information on the Internet, I can be sure that I was targeted, the bank 's operation is not reasonable.

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 2022-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST REPUBLIC BANK
State: CA

Complaint narrative:
I have my mortgage with first republic bank. 
But the bank is charging far more interest silently in the statement than the mortgage agreement! 
The mortgage started XXXX this year. The interest rate on the agreement was 2.25 %. But in the statement they are charging {$250.00} more every month! They admit that they are doing this wrong ( see their apology letter from their director attached ). But they are not able to fix it ( it has been nearly 4 months ), and more than one of the statement were wrong. They are still applying fixes to the XXXX payment, which means the XXXX auto payment is still incorrect. 
My questions are 1. Amount Why is the amount shown wrong in These months? 
Why did the bank claim it is only a frontend issue? 
But it actually impacted several payments. Why statement shows rate changes? Did the bank try to change rate silently to profit? 
2. Statement The bank must Correct statements for XXXX and XXXX and XXXX and XX/XX/XXXX. Misc Am i only one affected? If so, why? If not, it must be sth serious. 
4. tax Is the bank sending false info to IRS by correcting the payment in the wrong way ( special payment )? ( This is what the bank fixed in XXXX ) 5. Amortization What will it be like if no one notice it? Most people just sell or refinance after several years, does XXXX do this intentionally make profit silently? 
6. The real reason why it happen Vague reason not acceptable. Must indicate what is responsible

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 2022-06-08 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
This complaint is regarding an account on my credit report from XXXX XXXX XXXX of {$10000.00}. 
Under Section 611 ( 5 ) ( A ) of FCRA any account and all information pertaining to it should be promptly deleted if it can not be verified.

I have sent 4 letters to Transunion starting XXXX of XXXX asking to see verifiable proof ( hard evidence going all the way back to the original creditor, not verification from third-party database ) regarding this account. ( my first letter was on XX/XX/XXXX ). 

Under the FCRA, unverified accounts must be removed if Transunion is unable to provide a copy of verifiable proof. Their response was that the account is " verified '', but no hard evidence going all the way back to the ORIGINAL creditor and no verifiable proof were provided. 
On XX/XX/XXXX I sent my second written request to them asking for a description of the procedures used to determine the accuracy of this account. Transunion did not provide me with any hard copy documentation showing that they properly verified this account and although under Section 611 ( 5 ) ( A ) ( i ) of the FCRA they are required to " promptly delete all information which can not be verified '', they did not delete the account, instead I received the same response- verified- without any documentation as asked. 
On XX/XX/XXXX of XXXX I sent my third written request to Transunion, asking them to delete this account as they did not provide copy of any documentation ( hard evidence that goes all the way back to the original creditor, not verification from a third-party database ). Also, they did not provide the method of verification as required under section 611 ( a ) ( 7 ). 
. 
On XX/XX/XXXX I sent my 4th written letter to Transunion because the account is still on my credit report unverified.Again, I did not receive copy of any original documentation for this account and no method of verification was provided. 
The account is still on my credit report. Section 611 ( 5 ) ( A ) of the FCRA states that any information which can not be verified with proper documentation to be promptly deleted All my letters have been signed by a notary agent and have been sent certified mail with signed return receipt.

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 2022-06-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AES/PHEAA
State: NY

Complaint narrative:
I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were COLLECTIONS accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please help me remove these charge, including this incorrect information from my personal profile. A copy of my Bank statement, drivers License, and Social Security Number for my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. The following are inaccurate addresses : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NJ XXXX also these are the following accounts : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, US DEPT ED XXXX XXXX I'm not liable for this account. Please provide all verifiable documents from this company, if not please remove them asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been a victim of identity theft. My information is leaked on the dark web and someone has opened up multiple bank accounts in my name using my old information that appears on my credit report. I informed Experian about it and they won't remove my old 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 2022-06-08 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: PNC Bank N.A.
State: AR

Complaint narrative:
Pnc bank put a 30 day Mark on my credit when I was paying on account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: NY

Complaint narrative:
I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were COLLECTIONS accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please help me remove these charge, including this incorrect information from my personal profile. A copy of my Bank statement, drivers License, and Social Security Number for my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. The following are inaccurate addresses : 4 XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NJ XXXX also these are the following accounts : XXXX XXXX XXXX XXXX XXXX, I'm not liable for this account. Please provide all verifiable documents from this company, if not please remove them asap.

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 2022-06-08 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: NJ

Complaint narrative:
It shows that my file has been compromised. Again, I was going through my records & noticed XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX Accounts XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXwhich do not belong to me. I have sent a letter to Transunion on XX/XX/2022 to eliminate the items mentioned above. You are required by law to remove & block any account or information which is found to be opened due to identity theft not later than 4 business days after the XX/XX/XXXX, XXXX. Ive already involved this in my previous Complaint XXXX & I am including it again.

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 2022-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
It shows that my file has been compromised. Again, I was going through my records & noticed XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NJ XXXX, Accounts : XXXX XXXX, XXXX XXXX, XXXX XXXX*which do not belong to me. I have sent a letter to Equifax on XX/XX/2022 to eliminate the items mentioned above. You are required by law to remove & block any account or information which is found to be opened due to identity theft not later than 4 business days after the XX/XX/XXXX, XXXX. Ive already involved this in my previous Complaint XXXX & I am including it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: NY

Complaint narrative:
I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were COLLECTIONS accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please help me remove these charge, including this incorrect information from my personal profile. A copy of my Bank statement, drivers License, and Social Security Number for my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. The following are inaccurate addresses : 4 XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX also these are the following accounts : XXXX XXXX XXXX XXXX XXXX, I'm not liable for this account. Please provide all verifiable documents from this company, if not please remove them asap.

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