vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Re : Delinquency Notice / Civil Action Notice USPS XXXX # XXXX XXXX XXXX XXXX XXXX XXXX ( FACTS ) This notice is to inform you that you are well over 90 to 120 days late on this outstanding balance that you know you owe the consumer in the amount of such credit that should have been released on this account as well as the attached completed record officially signed off on by the Department of Veterans Affairs as well as your banking or financial policies in requesting any consumer to complete such Form 4506-C and VA Form XX/XX/ 26-8937. Policies and procedures and applicable laws, regulations, and statutes are critical, we have asked for your legal counsel of record direct contact information as it is required before addressing this in a court of law. We have been overly patient with you and to this date, you have not returned any outstanding debt that you owe and should be in your files or system. At this point, we have exhausted all our administrative responsibilities and remedies, and all Consumer Financial Protection Bureau notes and records will be used. You have shown unprofessional service and conduct by doing what you have done here which has triggered others to fall suit without your supportive records. Now turn over your legal counsel of record, name, address, and phone number through the Consumer Financial Protection Bureaus Portal so that I can have it with all your responses on this site. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 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: FL

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 XXXX XXXXXXXX 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. 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 2024-01-09 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: EQUIFAX, INC.
State: FL

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 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. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am a victim of identity theft I included the police report. 

I noticed these items on my consumer report so I than reached out to my mom whos and attorney she recommended me to file this here and hope we all can come to one accord with these allegations of accounts. 

I have never been associated with any of these creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
I am a victim of identity theft I included the police report. 

I noticed these items on my consumer report so I than reached out to my mom whos and attorney she recommended me to file this here and hope we all can come to one accord with these allegations of accounts. 

I have never been associated with any of these creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I request recondieration from Bank of America about the payment terms they have provided in response to XXXX. 

I planned to work with Bank of America when I get details that they promised as part of the CFPB case XXXX. Even though I didnt see a postal mail in USPS informed delivery website, I received a letter on XX/XX/XXXX from Bank of America XXXX 

So I am responding them about this and I am expecting reduced interest rate and payment amount so that I can pay off the debt without much financial burden considering his living expenses. 

I am unable to afford interest rate provided in the terms as well as payment per month. I left a feedback before receiving the letter on XX/XX/XXXX in CFPB case indicating I didnt receive a secure message or communication. I apologize for the same. 

As per the letter the principal amount is XXXX + fees XXXX + interest XXXX + purchase XXXX - payments XXXX = XXXX The interest amount calculated on principal is {$5100.00} for 36 month term loan. 

The interest charged is approximately 12 % per year for 3 years. 

I request the interest rate that is less than 10 % and payment term of at least 5 years. 

I think this will result in an approximate monthly payment around {$330.00}. Please consider my request. I am providing the letter received for reference.

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 2024-01-09 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: SC

Complaint narrative:
I let the company know that Im the registered owner of the securities and that a charge off is a Certificate of indebtness/ and is income. Income can not be reported on the consumer report and needs to be removed.

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 2024-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: U.S. BANCORP
State: IL

Complaint narrative:
The process started on XX/XX/XXXX when US Bank was approached to sign a form. I keep getting delays and lack of responses from them. I have been told by two managers ( XXXX XXXX XXXX ) that they are NOT allowed to call me back to give me an update on the progress. I am required to call in each time and spend approximately 20 minutes re-explaining the issues. There is rarely any update or progress from that phone call. 

US Bank does not allow me to communicate directly with their Customer Service Research or TIC Request Department. If that could happen, I could answer any questions they have immediately instead of playing the wait and see, wait and see, and wait and see. 

Other dates of communication have been XX/XX/XXXX & XXXX and XX/XX/XXXX, XXXX, and now the 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 2024-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meridian Financial Services, Inc.
State: GA

Complaint narrative:
I do not have a contract with MEDERIAN FINANCIAL SERVICES nor do I owe them any debt. ON XX/XX/XXXX I sent in a proof of debt validation/proof as to how I owe them the alleged debt, Including the original contract and more, which they could not prove instead they avoided my request and updated it with the credit reporting agencies as verified yet they have no proof, I will not accept any billing statements or account summaries because those are not correct requirements for proof of debt validation. MEDERIAN FINANCIAL SERVICES does not have any legal license to collect in the state of Georgia which they are illegally trying to do, as well as trying to extort me for an extension of credit that has nothing to do with me. They are also using my non-public information without my consent and authorization fraudulently reporting false Information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: NV

Complaint narrative:
On XXXX at 1731 hours, my wife and I deposited 6 {$50.00} bills in the ATM at US BANK in XXXX, Nevada at XXXX XXXX XXXX . The ATM took our money and did not deposit into our account with XXXX XXXX XXXX  who is a sister bank that uses US Bank. when we made the deposit, we received a receipt that stated, " A MACHINE ERROR HAS OCCURRED WE ARE UNABLE TO CREDIT YOU ACCOUNT OR RETURN SOME OF THE ITEMS YOU ATTEMPTED TO DEPOSIT. '' For the record it took all the money we attempted to deposit and after many emails and multiple dispute submissions US BANK has still not resolved the issue. The Bank Branch manager stated, after I showed her, the receipt verifying that their ATM stole our money she stated at the bank, and I quote " We don't have {$300.00} dollars to give you. '' This is theft, I filed a police report and the police will not investigate. US BANK has not returned our money. I want my money or the next stop is with an attorney.

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 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX failed to provide loan verification letter. Proof sent to XXXX to have account updated or removed. Account was closed and charged off. XXXX is still reporting late payments to XXXX, Transunion, and 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 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX failed to provide loan verification letter. Proof sent to Experian to have account updated or removed. Account was closed and charged off. XXXX is still reporting late payments to Experian, XXXX, and 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 2024-01-09 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 went to my local mortgage broker to see if i qualify for a mortgage, but i found out i had some accounts on my credit that were fraudulent.

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 2024-01-09 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:
I went to my local mortgage broker to see if i qualify for a mortgage, but i found out i had some accounts on my credit that were fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: PA

Complaint narrative:
My name, birthday, and social security number were stolen in XX/XX/XXXXXXXX  due to a data breach of my former employer 's ( XXXX XXXX ) records. Nearly XXXX XXXX ( former ) employees were affected because hackers got into the data of the company that manages XXXX XXXX 's data ; that company is called XXXX XXXX, XXXX. XXXX XXXX alerted me of the data breach, along with the other XXXX XXXX people, in XX/XX/XXXX. Subsequently, I signed up for XXXX XXXX XXXX free credit monitoring service, a service which they advertised in the same letter notifying that the data breach occurred. 

Today ( XX/XX/XXXX ), I was notified by that credit monitoring service that yesterday ( XX/XX/XXXX ), someone ( not me or anyone I know ) opened a Discover Bank credit card in my name. The associated address is XXXX XXXX XXXX in XXXX XXXX XXXX, UT XXXX, according to the credit monitoring service. 

I myself did open a Discover credit card in XXXX, but not on XXXX. The account new as of XXXX must be a fraudster who gained access to my name, birthday, and social security number from XXXX XXXX XXXX data breach. My credit score dropped from about XXXX to XXXX due to the fraudster opening this new line of credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: IL

Complaint narrative:
Calendar year XXXX  XXXX  XXXX XXXX placed a credit block on my credit report. I was informed by XXXX XXXXXXXX XXXX due to the block XXXX XXXX XXXXXXXX has on my credit report I am not allowed to open a {$25000.00} savings account with their bank. I was never informed of any credit investigation XXXX  XXXX XXXX performed or was I informed of the outcome of the credit 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 2024-01-09 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: OH

Complaint narrative:
1. ) I want my correct address put on my credit profile and all other addresses removed from my credit profile & my history. There are several incorrect addresses, phone numbers, a name, employers, and inquiries that I didn't authorized and I want this items corrected.

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 2024-01-09 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: FL

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX Bankruptcy Case Number : XXXX Delete this account. 
2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS CAPITAL ONE Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 9. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX 10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from 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 2024-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
The beginning of XXXX I received a letter saying I was pre- approved for a millstone bank credit card and like 5 days later I received a card meanwhile I had never gave them authorization to run my credit and let alone sign up for a credit card with a {$700.00} limit that they want a {$170.00} dollar annual fee who on earth would sign up for that as soon as I saw the interest rate and annual fee I backed out of the website and now they are telling me you might as well just pay the {$170.00} because your credit score is going to go way down Ive been killing myself to fix my credit and one shady credit card company can wreck that by lying and cheating hard working people something has to be done about this to protect people from these shady credit card companies I shouldve knew better there name is already changed now its called concora credit stay away

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Aldous & Associates, PLLC
State: VA

Complaint narrative:
- End of XX/XX/2023 I called XXXX XXXX XXXX in XXXX, Virginia and requested to cancel my membership. I was told it's done and all is good. Money was still going out of my bank account to pay for membership, so I emailed several times and asked for membership to be canceled. I received an automated reply saying " sorry but we can not locate your account ''. I assumed that my membership was canceled at that point. 
- In XXXX I started receiving multiple phone calls from XXXX XXXX XXXX, a XXXX number, saying that they lost my billing information due to a billing error from their end. I simply didn't answer those calls because I thought they were scam calls. 
- Today I received a phone call from a collection agency, a Law Office, asking me to pay a balance of XXXX dollars, and if I don't pay the collection agency will send it to the credit bureau. 

- I have not used the gym since XXXX. The membership status on the Gym application is canceled. They charged me XXXX dollars for XXXX and another XXXX for XXXX. When I questioned them about the XXXX dollars, and what it is for, they said it's money due and they can not answer which part of the contract it's covering. The membership is XXXX and the one-time annual fee is XXXX which I was charged back in XXXX. 

I refuse to pay this amount because I requested to cancel my membership, and the person who answered the phone said it's been canceled. I emailed them to cancel and they said they couldn't locate my account, and now they're saying you can not cancel unless you physically come into the gym and write a handwritten letter asking for cancelation. Meanwhile, my account says " canceled membership '' on the application. 

Notice the screenshots attached. They mistakingly charged me an extra XXXX dollars, and they refunded the money.

Company response to consumer: Closed with explanation