vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF THE WEST
State: CO

Complaint narrative:
In XX/XX/XXXX I received a letter from XXXX XXXX stating they were sending me to collections, I had no idea what this was for so In XXXX XXXX I sent a validation letter to XXXX  XXXX XXXX Which they had already reported it to the Credit Bureaus and I was not given the opportunity to validate this debt prior to them even placing it on my credit. 
On XX/XX/XXXX I received a letter stating they'd enclosed all validation documents. They sent me statements from XXXX of a credit card account that I had with them. ( Ive enclosed these documents ). 
XX/XX/XXXX - I sent them a failure to validate letter letting them know to cease collections and remove this from my credit considering they never sent me a notice prior to placing it on my credit and there were no statements or signed agreement to this account they reported. 

I then sent a complaint in and they finally responded to the cfbp 's complaint with the actual checking account that they are reporting. In reviewing these documents, first off the amount that they have stated that I allegedly owe are ALL BANK FEES. Here 's the issue with this, I never signed an OPT-IN form. Secondly, they were charging me a $ 25 monthly service fee just to have an account with them, which this {$25.00} is XXXX initially started the account to go negative. Had they NOT charged me this monthly service fee ( which I dont know why any bank charges {$25.00} a month to have an account ) the account would have never went into the negative. My account balances were indeed low but given the fact that they initially caused the overdraft with their fee, then charged me overdraft fees on items that would have cleared, it kept snowballing with fees. They charged me {$510.00} in monthly service charges, overdraft fees, and extended over draft fees, on items that would have cleared with out their ridiculous fees. 

I work on an XXXX XXXX and am in the middle of nowhere for XXXX weeks at a time without access to bank accounts. It is obvious after reviewing the bank statements that I at no point OVER SPENT what I had in my account. On top of that, I never asked them, never signed for them to OPT me in to pay into overdraft. The signature card they sent has NOTHING about opting in on it. 

I refuse to pay any more fees to them and this is absolutely unethical what they have charged me and they need to remove this from my credit reports and cease all collections, I have included all correspondence and highlighted the bank statements to reference how their fees is what caused this and their fees is what is allegedly owed.

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 2022-10-20 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: FL

Complaint narrative:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. i am demanding you to REVIEW THIS ACCOUNT AND REMOVE THIS IMMEDIATELY

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 2022-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I had a XXXX XXXX credit card managed by XXXX XXXX XXXX for XXXX years without a problem. 

The management of this XXXX XXXX card was transferred over to Comenity Bank  around XX/XX/2022. 

My last payment of {$3200.00} was paid electronically to XXXX XXXX XXXX on XX/XX/2022. 

Comenity Bank is saying they received the balance of {$3200.00} but not the payment. 

I have created a dispute with XXXX 's customer service department and give them proof on my payment from my XXXX XXXX. 

After 5 months of " back and fourth '' Comenity canceled my dispute because of " invalid documents and a letter was sent requesting for front and back copy of cashed check or electronic transmitted form to proceed with dispute. '' In this communication they also added. 
" To protect your rights under the Fair Credit Billing Act, we need to receive your dispute in writing within XXXX calendar days of the date on your first billing statement that contains the disputed transaction. '' It now appears like Comenity has been stinging me along for the past 5 months. 
After multiple phone calls, being hung up on, transferred to different departments, force to communicate on-line which takes them weeks to respond, I am now turn over to collections. 

Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-10-20 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I dont understand how this one is past due if I did make a payment agreement with them they told me also my account will become current. they have close my account last year of 2021 without my knowledge they told me they sent a letter never received it When few months before I did a pay of {$400.00}

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 explanation
Consumer complaint received 2022-10-20 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: VA

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. 

XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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. 

Also, XXXX XXXX XXXX and XXXX XXXX are reporting XXXX different account numbers : XXXX XXXX XXXX account # XXXX in XXXX and XXXX in XXXX and TransUnion XXXX XXXX account # XXXX in XXXX and TransUnion XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20 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: VA

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. 

XXXX  Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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. 

Also, XXXX XXXX XXXXXXXX and XXXX XXXX  are reporting XXXX different account numbers : -XXXX XXXX XXXX account # XXXX in Equifax and XXXX in XXXX and XXXX XXXX XXXX account # XXXX in XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: NV

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: LDF Holdings, LLC
State: TN

Complaint narrative:
XXXX with Evergreen Services called me from XXXX. He called me AFTER he called my friend and mother looking for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been banking with fifth third bank for multiple years now ( XXXX ) and I regularly use them for direct deposits in my account. They have taken over XXXX dollars in overdraft fees from my account. I have already explained to them in person at the bank, as well as through live chat and there XXXX number that I can not afford to allow them to take this money from me. Yet they are refusing to refund my money and only want to give me XXXX dollars of it back which is ridiculous. They literally received a direct deposit from me and my account is current. Please assist in getting my money back. I will be closing my account with this institution if my funds can not be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20 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: Commercial Acceptance Company
State: PA

Complaint narrative:
I spoke with Commercial Acceptance Collections on XX/XX/2022 about a collection account that was opened. It should have never been opened. The account has been closed because I was insured with XXXX. The XXXX reached out to them XX/XX/2022 and faxed letter of eligibility to help mitigate payment and removed account from my collection. I called the debt collector the same day and was told that the account was closed and that it would be removed from the credit report. Today, XX/XX/2022, I called to ask why the collection account hasn't been removed after filing a dispute with the credit bureaus. An agent rudely tells me that the account will remain on the report because people who have XXXX are still considered debtors unless they pay in full/out of pocket. My next step was filing this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Re : Unauthorized Credit Inquiry To Whom It May Concern : I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. The following inquiries, I believe are or may be part of FRAUD : XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( 3 separate inquiries ) XXXX XXXX XXXX via XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX via XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX ( 3 separate inquiries )

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 2022-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BYL Collection Services
State: UT

Complaint narrative:
The account XXXX is from BYL companies, first reported on XX/XX/XXXX. Account was closed due to discharge from my bankruptcy filed XX/XX/XXXX. I was denied a rental opportunity solely due to this inaccurate reporting that shows the account is still in collections and is open. Called BYL and they said account shows closed.

Company response to consumer: Closed with explanation