vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: United Debt Counselors, LLC
State: CA

Complaint narrative:
In or around XX/XX/XXXX, I saw an ad online for help with debt settlement and called XXXX for help. On XX/XX/XXXX, XXXX representative XXXX XXXX came to my house, which I share with my partner XXXX XXXX. XXXX and I had both fallen behind on credit cards. At this meeting, XXXX told us that XXXX could lower our debts by XXXX XXXX, that they are experts with handling creditors, and that they would be in constant communication with us to negotiate down our debt. Based on this, we both enrolled in the program and began making monthly payments. Months passed and it was unclear to us what, if anything, XXXX was doing for us. It was hard for us to connect with anyone when we called and our calls largely went unreturned. Meanwhile, throughout XXXX and XXXX, debt collection lawsuits and default judgments were piling up against us from creditors. Each time we got paperwork, we sent it to XXXX but received no substantive update or response. Agents merely told us they would take care of it. They never recommended getting an attorney or formally responding to the lawsuits. We grew increasingly frustrated with this lack of communication or action. Feeling duped, we canceled our contracts with XXXX in or around XX/XX/XXXX. We received a partial refund of our escrowed payments minus fees and other charges. 

We went to our local legal aid for help and the lawyer helped us get copies of our documents. The lawyer explained the documents show many problems : contract inconsistencies on charges, XXXX did nothing on XXXX account and very little on mine despite about XXXX XXXX and XXXX XXXX of our payments going toward XXXX fees. Also, our XXXX contracts state that they will only begin to reach out to a creditor when XXXX XXXX of our debt balance is in escrow. However, at the rate of monthly payments and the XXXX-month term of our program, it is not even possible for us to save enough money for some of our debts to meet this requirements. It is also our understanding that XXXX is not properly licensed in California to do this work. 

We were set up to fail by XXXX. We paid nearly {$20000.00} dollars to them, with nothing to show for it. Instead we are in a worse position with our debts than when we were enrolled. I am XXXX XXXX old and XXXX is XXXX XXXX old. We are low-income seniors on a fixed income and this has been extremely stressful and harmful to our health.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am writing to you in regards of my past due to payments on my account for the months of XXXX and XXXX. This delinquent account record is due to natural or declared disaster : ( XXXX XXXX ). Natural disasters can cause substantial property destruction and personal injury, including the loss of life. Importantly, natural disasters can also result in negative shocks to household finances such as lost income and major unexpected expenses. As a result, many financial institutions offer financial relief or assistance that often includes payment relief for customers affected by natural disasters. Although due to XXXX XXXX, which was declared a national disaster by XXXX, within these past months I have been struggling financially and unfortunately, I fell behind on payments. Now that things are back to normal, my credit score took a huge hit with late payments from various credit card companies. Other companies gave me a courtesy late pay removal, which has helped me and my family tremendously. So, My complaint is I was treated unfairly due to the national disaster my family I went due to the hurricane. I literally spent almost every dime I had so my family would have shelter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There is a message on each Bureau " extended alert '' consumer has requested an alert be place on my credit file, do not extend credit without first contacting me personally and verifying information. 

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies. 

see attachments I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2022-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There is a message on each Bureau " extended alert '' consumer has requested an alert be place on my credit file, do not extend credit without first contacting me personally and verifying information. 

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies. 

see attachments I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2022-02-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated
State: FL

Complaint narrative:
The Florida Attorney General recommended that I contact your agency regarding my claim. 

As you will determine from the documents that I will include, I have been trying to obtain the balance of {$2400.00} that was on my Florida XXXX XXXX XXXX since XXXX of 2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
My request for the correction and removal of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2020, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that is still reporting on my account. 

XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section XXXX ( XXXX ), it plainly stated that a failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report it has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: PA

Complaint narrative:
I consumer did not consent too nor authorize these inquiries that are reporting to my Transunion consumer report. I did not give my permissible consent to none of these corporations to obtain my consumer report from Transunion. I did not give them my written consent to obtain my consumer report per section 15 USC 1681n ( b ). Transunion sold my information to these corporations and got paid for the credit sale. Federal law states that any corporation whom obtains a consumer report from a consumer reporting agency knowingly without permissible purposes shall be liable to the consumer reporting agency for actual damages in {$1000.00} per section 15 USC 1681n ( c ). I sent Transunion an identity theft report via USPS certified mail. Is Transunion above the law? How are they able to share my consumer report without them contacting me for my consent to share my report with these corporations. Transunion humiliated me to the public and damaged my reputation. Transunion decreased my score because of those inquiries that have no connection to me. If Transunion can provide me a copy of credit application authorizing the disclosure of my files with my actual signature, I will accept the inquiries. If such application is removed I demand these inquiries be blocked and removed from my consumer report. I have gone to therapy for my anxiety because of the fraudulent activity that Transunion let concur on my consumer report. Transunion stole my identity and sold my private information without prior consent. I have a right to privacy and Transunion violated my privacy.

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 2022-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My request for the correction and removal of the erroneous information about my accounts has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/2020, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$2700.00}

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 2022-02-08 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: Byrider Franchising, LLC
State: NY

Complaint narrative:
I signed a vehicle loan XX/XX/2021. I have made my bi-weekly payments on or before the due dates. never missed one. CNAC ( CAR NOW ACCEPTANCE COMPANY ) has continued to deny reporting my loan to the credit bureau. I have had numerous phone conversations and have countless emails back and forth stating they are fixing a problem ..this has been going on for 7 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
My name is XXXX XXXX XXXX and I'm sending this complaint without any help from any Credit Repair Companies. My request for the correction and removal of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 DEPT OF ED Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: SandP Solutions, Inc.
State: TX

Complaint narrative:
Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX ( the Fraudsters or Scammer ) Dba : Deputy of Social Security Administration ( the Scam Company ) with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. The equivalent of XXXX USD was transferred from my wallet utilizing Bitcoin of America services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: CBC Companies, Inc.
State: NY

Complaint narrative:
There are numerous inquiry on my report that are fraudulent. 
Here 's a list of fraudulent inquiries : XXXXXXXX XXXX - date as of XXXX XXXX XXXX XXXX - date as of XXXX XXXX XXXX XXXX - date as of XX/XX/XXXX XXXX - date as of XX/XX/XXXX XXXX XXXX - date as of XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: FL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: FL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2022-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I have an active complaint started with the CFPB and Bank of America is intentionally making the process impossible to resolve. You contacted Bank of America and a representative ( see attachment ) emailed me and asked me to call him. I have tried for 2 days and the phone # provided does not work. It reaches the Regulatory complaint automated phone service. It asks for the extension of the person you are trying to reach. As soon as you enter it it says it does not recognize the extension. I have tried over 200 times and over a XXXX day period to contact them with no success. I have also sent several emails to the representative that sent me the email and have received zero response. My active case of fraud is reported with CFPB and the case # is XXXX. My checking account was hacked and almost {$6000.00} was taken from me. Bank of America refuses to assist me in this matter after XXXX  years of being a customer.

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 2022-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Accounts Service Team Inc.
State: LA

Complaint narrative:
I received a letter from Fin Accts Sv in XXXX of XXXX with a debt owed of XXXX for equipment from vyve communications. Immediately during the XXXX day dunning period I called Fin Accts and reported that this was an invalid debt, no correct as I had already sent back the equipment they were saying the debt was for. The lady asked if I could send her the receipts from the postal service showing I had returned the equipment in which I did send them proof that the equipment had been mailed back, they had the date and tracking number of when I returned it. My town was hit by a major hurricane and it showed that due to postal service having NO service the equipment was sitting with the postal service. They still reported this to the credit bureaus as a PAID collection. This was never a paid collection as I proved to them that this was an invalid debt. It should have never been reported to any bureaus being the proof was sent to them. I have sent letters disputing this account as inaccurate information on my credit profile reporting to XXXX and XXXX on XX/XX/XXXX and again on XX/XX/XXXX in which no response was given to me from the XX/XX/XXXX dispute. Both XXXX and XXXX remain reporting this as a paid collection. I have never paid them anything, it should have never been added to my credit report after I proved this equipment had been returned. I didn't have to pay anything.

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 2022-02-08 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: Credit Plus Inc
State: NY

Complaint narrative:
There are numerous inquiry on my report that are fraudulent. 
Here 's a list of fraudulent inquiries : Factual Data - date as of XXXX XXXX XXXX XXXX - date as of XXXX XXXX XXXX XXXX - date as of XX/XX/XXXX XXXX - date as of XX/XX/XXXX XXXX XXXX - date as of XX/XX/XXXX 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: CORELOGIC INC
State: NY

Complaint narrative:
There are numerous inquiry on my report that are fraudulent. 
Here 's a list of fraudulent inquiries : Factual Data - date as of XXXX XXXX Factual Data - date as of XXXX XXXX XXXX XXXX  - date as of XX/XX/XXXX XXXX - date as of XX/XX/XXXX XXXX XXXX - date as of XX/XX/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