vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have a collection on my credit on my account that I was never notified about. The apartment complex sent a fee to collections that they never notified me about. The company XXXX also never contacted me. I am XXXX XXXX XXXX  currently XXXX and this is completely unfair. I moved out of the apartment due to XXXX orders but I gave the company a forwarding address, 6 months later I have a collection account on my credit that I was never even told about I had no idea what it was for. I disputed this account with Experian and it was not removed. I told them I had no knowledge of this account and it needs to be removed. I should not be punished like this when no one even attempted to contact me about this fee but now it is on my credit. I cleaned the apartment, they are charging me for dog pee in the carpet that was there when I moved in. I have attached documentation showing that this was an issue when I moved in and that I notified them about this. I have contacted the apartment complex, the investment company that ones the complex, the collections agency and Experian to have this removed. This is unfair and unbelievable treatment all due to having to move so that I can serve this country, only to be taken advantage of and unfairly charged while I am XXXXXXXX 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 explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd.
State: NC

Complaint narrative:
I keep getting several calls and texts all hours long for a debt from Harris and Harris that isn't even my debt. They are trying to collect a debt from someone named XXXX XXXX I have called them back numerous times to tell them to stop calling me, as I am not XXXX. They either get an attitude and hang up on me or they apologize and claim they will remove me from their list. After asking them many many times to take me off their list and stop calling me, and they agree to do so, I still keep getting endless calls and texts. I have even texted them back to stop reaching out, as I am not XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Deposited a check for $ XXXX XX/XX/23 that cleared and showed cleared in my Wells Fargo checking account. Then without notice of any kind Wells Fargo pulled it all out of my account leaving me with no money and no solution. I called the customer service number and tried speaking with management but got no help. I spoke with XXXX XXXX and he had no explanation or help whatsoever. Now, I have bills coming out of my account with no money. They said it will be 10 days waiting for my money! Please help me and my family. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
This information that I show here is to be removed from my report since it is not mine and it affects me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Albert Corporation
State: FL

Complaint narrative:
Today XX/XX/XXXX a unauthorized debit from XXXX com for XXXX was taken. Reported the issue to the bank and company. Company has rejected to work with my bank and myself to resolve this fraudulent charge. I asked in XXXX of XXXX for my account to be closed. Only to find out someone from there business never closed it but used my information to get XXXX dollars for themselves. I researched this issue and it has happened to others. When contacting XXXX I was originally told it was for a advance taken out XXXX of XXXX. Which was able to proven as false, then the backed tracked and said no we lied it's XXXX. No phone number to speak with someone just email or text

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I came to the citizen bank located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I tried to close my account. I had over XXXX in the account. They told me. They cant not give me the total amount in case. I have to take XXXX cash and a bank check and if I want cash I had to call a week before. In the back its non information online or at the back this this information. The reason I cancel the account is because I had an emergency. As bank I should be able to get access to full amound.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I noticed a collection from a company called XXXX XXXX XXXX ( XXXX XXXX XXXX ) in the amount of {$6200.00} which I believe is a fraudulent account. The dates opened are different on every credit bureau and per the FCRA an inaccuracies need be corrected or deleted from my credit report. I also do not owe any medical facility any money as the only treatment I have had in the past 3 years has been covered by my insurance. I would like to obtain proof that the debt owed is mine and that it does not violate XXXX or the FCRA otherwise such should be deleted from my report as it has put a burden on my ability to responsibly obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax credit reporting agencys shows XXXX fraudulent inquires, please remove all fraudulent inquirys listed below inquiries XXXX XXXX XXXXXXXX Inquiry dateOct XXXX, XXXX Removal dateXXXX XXXX XXXX XXXXXXXX XXXX  XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX XXXX XXXX XXXX 'S XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX XXXX XXXX XXXX  Inquiry dateXXXX  XXXX, XXXX Removal dateXXXX XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX Removal dateXXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquiry dateXXXX XXXX XXXX XXXX Removal dateXXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX XXXX XXXX Removal dateXXXX XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX XXXX XXXX Removal dateXXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon a recent review of my Consumer Reports I observed that for my account with XXXX XXXX XXXXXXXX XXXX XXXX a late payment is being reflected in XX/XX/2022. 
I have never submitted a late payment for this account : Name : XXXX XXXX XXXX/ XXXX XXXX Account Number : XXXX Consumer Reporting Agencies have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. According to 15 USC 1681i ( 5 ) the credit agencies are required to modify any and all accounts that are not reporting correctly. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

This account currently reflects several reporting inconsistencies and inaccuracies across the three credit bureaus ( XXXX, TransUnion, and XXXX ). For this reason I am requesting an investigation and verifiable proof ( with statements ) that a late payment was made on this account. If proof can not be provided, I demand this LATE payment status be corrected and updated to accurately reflect that an ON TIME payment was made for XX/XX/2022. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
I noticed a collection from a company called Progressive Management Systems ( Prog Mgt Sys ) in the amount of {$6200.00} which I believe is a fraudulent account. The dates opened are different on every credit bureau and per the FCRA an inaccuracies need be corrected or deleted from my credit report. I also do not owe any medical facility any money as the only treatment I have had in the past 3 years has been covered by my insurance. I would like to obtain proof that the debt owed is mine and that it does not violate HIPAA or the FCRA otherwise such should be deleted from my report as it has put a burden on my ability to responsibly obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I received my credit report on XX/XX/2023 and I noticed there were hard inquires that don't have permissible purpose to be on there. These hard inquires are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times, they keep violating my rights under 15 USC 1681b. I also have attached the hard inquires that don't have no purpose to be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
I bought a property and had a lender. I set up XXXX because I run a rental business and can not focus on paying all my mortgages each month. However, my mortgage got sold to another company. Then I had to setup an account to do autopay. Unfortunately, the company would not let me set up autopay when I was just a few days late on a payment. The whole reason I could not set it up and was late because of the delays in setting up the account. So this was already stressful, like why can I not setup Autopay just because I am slightly late on the payment? Absolute nonsense. So what happened is the next month was an extremely busy and stressful time for me in managing my XXXX businesses. So what happened? My payment was missed because I could not setup the XXXX because I had to wait until the next month ... the whole system seemed to set me up for failure in actually paying my mortgage on time... the lender also did a very poor job in reaching out to me to inform me of the missed payment. They never called and left voicemails. They did send letters via XXXX at a time when they were heavily delayed and losing mail and I also had just moved. This company made no hesitation to report me to the credit bureaus at their earliest convenience after failing to email me or call me... just reaching out via snail mail which never reached me on time. I tried explaining this and pleading to remove this report and they refused. So someone who had an XXXX XXXX XXXX got knocked down to XXXX ... this was devastating as I was unable to refinance on one of my properties. This company has no moral fiber as far as I am concerned and the worst thing is I did not even choose the guys... it was simply sold by my lender without my say so. I know this is how the industry works but when things like this happen it really has major repercussions for the consumer, who is the most vulnerable. Anything you can do to help would be most greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
I am receiving numerous emails from COLUMBIA DEBT RECOVERY XXXX DBA GENESIS XXXX XXXX XXXX XXXX, WA XXXX TOLL FREE : ( XXXX ) XXXX MONDAY-FRIDAY XXXX TO XXXX PST stating that I owe money to a company called XXXX XXXX XXXX XXXX XXXX  XXXX 

I have no knowledge of any of these companies, do not owe any money to such company and this is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I, XXXX XXXX XXXX, are verifying that I XXXX XXXX XXXX is mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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