vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-06 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: IA

Complaint narrative:
I have contacted The credit reporting agencies to explain that Im a victim of identity theft. Ive added Fraud alerts. Ive mad many complaints about third part debt collection that is on my account they should be removed and they continue to knowing keep it on my report. Ive been violated. They have removed 2 accounts and have left the rest. Ive brought this to their attention and they to be negligent in the investigation.

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 2022-09-06 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: IA

Complaint narrative:
I have contacted The credit reporting agencies to explain that Im a victim of identity theft. Ive added Fraud alerts. Ive mad many complaints about third part debt collection that is on my account they should be removed and they continue to knowing keep it on my report. Ive been violated. They have removed 2 accounts and have left the rest. Ive brought this to their attention and they to be negligent in the investigation.

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 2022-09-06 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Penn Credit Corporation
State: FL

Complaint narrative:
On XX/XX/2022, Penn Credit Corporation reported {$2400.00} in collections to my credit reports for XXXX XXXX XXXX XXXX which resulted in an XXXX Point Decrease/Damage to my credit score. I called XXXX XXXX since I pay them directly for the birth of my daughter and they told me that my account was NOT with Penn Credit! I never received a phone call or mail from Penn Credit -- I was never contacted by them. I then disputed this with XXXX and Penn Credit but it did not change a thing! I want this derogatory collections off of my credit reports and my credit score reinstated! I will not pay Penn Credit anything since I pay XXXX XXXX XXXX XXXX for my debt! Thank you for your help! XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Credit Karma, LLC
State: CA

Complaint narrative:
Credit Karma gave me false information that I was approved for a credit card and that my approval was above average based on my credit score. I was subsequently denied and my credit score took a hit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: MN

Complaint narrative:
Hi I'm missing business checking sign up bonus that was offered on the account back in XXXX. 

Bank of America is offering a bonus of up to {$500.00} when you open a new Business Checking account. The requirements to Receive a XXXX XXXX XXXX XXXX of {$500.00} are : Open a new business checking account by XX/XX/2022 ; Make Qualifying Deposits of {$20000.00} or more in new money into the account within 30 days of account opening ; Maintain an average balance of {$20000.00} until day 91 after account opening. 

Link to offer : https : 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 monetary relief
Consumer complaint received 2022-09-06 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I sent a letter to Equifax, XXXX, and XXXX to update my address to the correct address because i only have one address. the job information they have on file was incorrect. My name was incorrect on my file. I need to have my personal information updated to the correct information. I previously sent a copy of my state id and utility bill to show proof of my correct personal information. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act 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

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 2022-09-06 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act 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

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 2022-09-06 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: D&A Services, LLC
State: MI

Complaint narrative:
On Thursday, XX/XX/XXXX my son received a call, on HIS cell phone, from D & A Collection Services. They asked for my son and then stated they needed to speak to me. My son asked who they were and they refused to give any of their information. Only saying it was regarding a debt I owed. I had NOT received ANY written or oral communication from this company at this time. I still have NO clue what debt they claim I owe. In XXXX this company called my cell phone was very rude and demanded to speak to me FYI Could not even say my last name and only has a part of my info. They stated they needed information from me regarding a debt. I asked what debt and this is where things turned even more nasty. We ended in a screaming match and me informing them to NOT contact me OR anyone on my behalf again. If they would like to address a debt they should follow the rules and send a letter. On XX/XX/XXXX @ XXXX XXXX I received a terrible call from some very rude person from this company. The phone call immediately deteriorated into a screaming match with this guy taunting me. I did contact an attorney after the call to my son and that was where I learned of the scrub lists. This man was out of line rude yelling taunting me over my birthday. He kept screaming he sent me letters. They never have, I even checked the USPS delivery notifications to see if maybe it got lost before it got to my home. IT was NEVER sent to me. They were told NOT to call me or anyone else again. SEND A LETTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: FL

Complaint narrative:
I paid off the {$44.00} balance on my XXXX XXXX Credit Card on XXXX XXXX, 2022 and TransUnion docked me XXXX points on XX/XX/, 2022 which sank my score. I feel this is in error since XXXX points is such an extravagant about for paying my bill like I am required.

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 2022-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BOK FINANCIAL CORP
State: OK

Complaint narrative:
I was scammed. On XX/XX/22, I received a phone call from XXXX, claiming they were the fraud dept at Bank of texas. They wanted to know if I authorized a XXXX payment of {$500.00}. I said no. They reported the scam was done from a XXXX XXXX XXXX and would need my info to process the fraud. I googled the phone number and yes, it was from my bank ( Bank of Texas ). I gave them my sign on and password. I was sent via text ( XXXX ) a temp sign on and was told the temp password would be sent via email. I checked my email and saw several messages from Bank of Texas. When I opened one of them is said " XXXX XXXX was added to my contact list ''. This was concerning. I called the bank. They confirmed a XXXX payment of {$500.00} and I had been scammed. The bank then closed the account. I asked about the money and was told since I gave the sign on and password, I was out that money. I would not be able to recover is since it was to XXXX. All of this took place within a 15 minute window. I would like to know why I can't get my money back. Why couldn't the bank reverse the charges?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: PA

Complaint narrative:
Equifax has failed to send dispute results and is reporting the following items inaccurately ( see below ). 

ACCOUNTS XXXX XXXX XXXX XXXX-XXXXX inaccurate XXXX XXXX XXXX XXXX inaccurate US DEPARTMENT OF EDU XXXX inaccurate US DEPT OF EDUCATION XXXX never late XXXX  XXXX XXXX {$870.00} not mine XXXX XXXX {$870.00} not mine XXXX XXXX XXXX XXXX-XXXX {$420.00} not mine XXXX XXXX XXXX XXXX-XXXX {$660.00} not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX, my credit card from Capital One ( chip ) information was used at a XXXX XXXX to make a purchase of {$18.00}. This happened while I was at home working and the card in my wallet. I contacted the bank and they said they will credit back my account, cancel my current card and send me a new one. On XX/XX/XXXX I checked my account, and the charge was credited back AND I was once again charged the {$18.00}. I contacted Capital One Bank customer service again and I was told that because the transaction was valid because the information of the chip matches my card which prevents them from returning my money. Even though I explained that I was at home with the card, and I couldn't have been in 2 places at the same time. They do not have a procedure yet in place for these kinds of cases. So, they are unable to resolve the issue and they do not have a formal complaint department. They are unable to solve fraudulent charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-06 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:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account 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 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 crime which antedates the report by more than seven years.

15 U.S.C 1681-2 ( 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 2022-09-06 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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account 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 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 crime which antedates the report by more than seven years. 

15 U.S.C 1681-2 ( 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: PA

Complaint narrative:
Experian has failed to send dispute results and is reporting the following items inaccurately ( see below ). 

ACCOUNTS XXXX XXXX XXXX XXXX inaccurate US DEPARTMENT OF XXXX XXXX inaccurate COLLECTIONS XXXX XXXX XXXX {$240.00} not mine XXXX XXXX XXXX XXXX {$420.00} not mine XXXX XXXX XXXX XXXX {$660.00} not mine XXXX XXXX XXXX XXXX {$870.00} not mine

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 2022-09-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: GA

Complaint narrative:
I submitted an application for loan forgiveness to XXXX on XX/XX/2022. I received notification from XXXX that I had made 120 Qualifying payments on XXXX/XXXX/2022. I have not received my loan forgiveness letter and now I am stuck between XXXX and MOHELA. XXXX says my loans have been transferred, but why because I was eligible to be forgiven? MOHELA says they don't have my information yet. I know many loan borrowers are in my same situation -- we have made 120 qualifying payments and are now stuck in XXXXMOHELA transfer purgatory with no end in sight. There has got to be a better way to deal with those of us in this situation. And even though XXXX and MOHELA both say that FSA makes the final decision about forgiveness, when I call FSA they say they can't see any of my information. Many of us have been working over 10 years trying to get the 120 payments and now that we have them, we are told to wait. This is very frustrating and disheartening. It is really impossible to move on with our lives until our loans are forgiveness. These are real people facing real hardships. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: MO

Complaint narrative:
I have recently reviewed my credit report and noticed there several inaccurate items listed on my report. The inaccurate items ( inquiries ) are listed below : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX I did not authorize these companies to create an inquiry or apply for any credit utilizing my name. 
This is a violation of the Fair Credit Reporting Act Section C168B and a serious breach of my privacy right.

I formally request that these fraudulent inquiries be immediately removed from my credit profile.

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 2022-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: D&A Services, LLC
State: GA

Complaint narrative:
I have received repeated calls and mail from D & A Services to collect an alleged debt from XXXX XXXX XXXXXXXX. The company has made numerous calls before giving me a chance to dispute the debt. I have written to them by certified mail to inform them to communicate with me via US Postal Services ONLY. I have requested all related XXXX XXXX XXXXXXXX documents to review the alleged debt that D & A Services is trying to collect. These actions are causing me severe mental distress. 

Previously to receiving communications from D & A Services, XXXX XXXX XXXXXXXX made several phones per day to harass and cause mental distress. They intentionally contacted people who they thought knew me. All of these actions by both companies are mental terrorism.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions I

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: SC

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I sent a letter to XXXX, TransUnion, and XXXX to update my address to the correct address because i only have one address. the job information they have on file was incorrect. My name was incorrect on my file. I need to have my personal information updated to the correct information. I previously sent a copy of my state id and utility bill to show proof of my correct personal information. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

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