vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I recently requested all 3 of my credit reports from XXXX, however, due to internet failure, phone drop, or whatever it was I couldn't get my Transunion report.Upon going over and comparing reports I found that alot of information is being reported illegally, inaccurate, and non-compliant with false information about me.The accounts in reference are as follows : Balance XXXX, XXXX reports date opened XX/XX/XXXX, yet comes at the end and says it was opened XX/XX/XXXX, then it says last payment XX/XX/XXXX when on pay chart last payment was infact XXXXt lacks critical information and reporting according to CDIA Metro 2 compliance regulations. Next account : Is valued {$600.00} which violates majorly when my information was obtained without consent and no lawful proof of debt, same with account owing {$290.00}, its listed as being for another company, then it says the account was opened XX/XX/XXXX, delinquency first reported XX/XX/XXXX, no lawful debt or original papers.Everytime I dispute something thru XXXX it comes back verified without any type of explanation as to how, who did you talk to, did you validate original paperwork..nothing, just it's verified.This misfortune has cost me loans in time of need, housing, credit cards with good APR along with alot of other stuff.Under fair credit reporting at, section 611 ( 5 ) ( A ) I ask that all information that is inaccurate, incomplete, or which can not be verified be removed immediately..Thank you..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I recently requested all 3 of my credit reports from XXXX, however, due to internet failure, phone drop, or whatever it was I couldn't get my XXXX report.Upon going over and comparing reports I found that alot of information is being reported illegally, inaccurate, and non-compliant with false information about me.The accounts in reference are as follows : Balance XXXX, XXXX reports date opened XX/XX/XXXX, yet comes at the end and says it was opened XX/XX/XXXX, then it says last payment XX/XX/XXXX when on pay chart last payment was infact XXXX lacks critical information and reporting according to CDIA Metro 2 compliance regulations. Next account : Is valued {$600.00} which violates majorly when my information was obtained without consent and no lawful proof of debt, same with account owing {$290.00}, its listed as being for another company, then it says the account was opened XX/XX/XXXX, delinquency first reported XX/XX/XXXX, no lawful debt or original papers.Everytime I dispute something thru XXXX it comes back verified without any type of explanation as to how, who did you talk to, did you validate original paperwork..nothing, just it's verified.This misfortune has cost me loans in time of need, housing, credit cards with good APR along with alot of other stuff.Under fair credit reporting at, section 611 ( 5 ) ( A ) I ask that all information that is inaccurate, incomplete, or which can not be verified be removed immediately..Thank you..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19 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 — Investigation took more than 30 days
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
Greetings, Both my loans with newrez ( XXXX # : XXXX & XXXX # : XXXX ) were considered past due in XXXX despite the payment coming out of my account on the XXXX of XXXX for both loans. 

This has DESTROYED MY CREDIT without a fault on my own. I have been admitted to the XXXX XXXX XXXX program and need to take a loan for {$250000.00} and was denied because of this issue. Also, I am moving to California with my wife and daughter at the end of this month and won't be able to rent a home to live in with this issue at a high cost of living area ( XXXX XXXX ). I have had +12 years of on time 100 % payments before this issue and an almost XXXX credit for all these years. 

Few issues/notes here : The payments were withdrawn on the XXXX of XXXX versus the XXXX or before despite being on AUTOPAY. Why were they not withdrawn on the XXXX? This is an issue from your end. PLEASE SEE ATTACHED. 
The payments for some reason got sent back to me after. Also, this is not my issue. If this is an overdraft issue, why would the money be withdrawn from my account in the first place? I also am a XXXX  account holder with XXXX. 
The payments were made again on XXXX of XXXX. I also called and was told that the late fees were waived and that there will be no further issues, yet, this was sent to the bureas and DESTROYED MY CREDIT I am in no need for help paying for my mortgage, however, I have been sent multiple BLUE packets that went to the wrong address and took a while to get to me ( address is updated on the system ). 
I was not told that the 30 days count from the XXXX of the month rather than the XXXX. 
I have changed my auto pay date for the XXXX of each month to avoid this issue in the future all together. 

I have attached : XXXX XXXX transactions/date with regards to both mortgages. 
my credit reports over 12+ years The chart of the credit score and the huge loss I incurred XXXX XXXX XXXX admission letter loan for school program : rejection and reasons for rejection I look forward to your support with getting this taken care of. 

Thank you, 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 2023-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: GA

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This bank has been robbing me blind for the past month and a half. Most recently they have helped themselves to over {$300.00} of money they are not entitled to in overdraft fees ( read illegal profiteering ) when they have been submitting transactions in the wrong order in order to steal more from me! I called and demanded at least 50 % in reimbursement only to get told XXXX you customer I have your money, I lined my pockets go away so I can steal more from you. 

This was the one and only olive branch that I was willing to submit to this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: DISCOVER BANK
State: GA

Complaint narrative:
yes I have I have requested that they send me a sign application for the the cc that they keep verifying stating that its me all they send me is a pack of cc transtaction

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
Sometime over a decade ago I co opened a bank account with my younger brother thru M & T Bank. He was the primary and he had the only debit card/checks, I never used this account. Apparently in 2017 the acct was closed sometime prior to that there was over draft charges of {$240.00} and change. My brother still has a separate active M & T account that he uses. Fast forward to XXXX weeks ago, I run a speech therapy clinic and needed to be added onto the business bank acct thru M & T, I was flagged that I could not be added due to this past due balance for a account I never used. I was never notified of the acct closure, of the past due balance, or any issue with the acct via mail, email, or phone. When I questioned the bank they could not provide me with any information reg the charges, the date of charges, and if they attempted to notify me or how. They also could not provide me information as to why my brother 's active acct was not charged for this outstanding balanced. Further more this is not on my credit report ANYWHERE so until I attempted to open a new bank acct for my business I would never have known this existed, which is infuriating. This could have affected me getting a mortage in a year or two or opening any additional savings or checking accts with my husband etc. I had to pay this balance WHICH WAS NOT MINE because No one would help me or even give me accurate detailed information. This is unacceptable. There should have been a direct commmunication attempt and if they are claiming I am responsible for this debt I should be able to have access to what this debt is actually for and the dates of origin etc.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: AL

Complaint narrative:
I paid for service to repair my credi with Lexington Law and XXXX XXXX XXXX and I was charged numerous fees that was not discussed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: CA

Complaint narrative:
LII U.S. Code Title 15 CHAPTER 41 SUBCHAPTER III 1681 Quick search by citation : Title enter title Section section 15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

Accounts name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXXXXXX XXXX Account number : XXXX These companies have violated my rights listed above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19 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: CA

Complaint narrative:
LII U.S. Code Title 15 CHAPTER 41 SUBCHAPTER III 1681 Quick search by citation : Title enter title Section section 15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

Accounts name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXXXXXX XXXX Account number : XXXX These companies have violated my rights listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I am receiving calls from a " process server '' at ( XXXX ) XXXX wanting to verify information to serve papers regarding a pending law suit. I was directed to call ( XXXX ) XXXX with a case # XXXX. I spoke with a gentleman that claimed a law suit was being filed against me by TD Bank regarding a XXXX XXXX XXXX account that was opened in XXXX. He stated the law firms name is XXXX, XXXX, XXXX XXXX. The account they are referring to subsequently went into collections and was settled/paid in XXXX. However, they are claiming that I'm being sued for breach of contract, and that I owe {$3200.00}. After asking multiple questions including which county the suit was being filled, they refused to give me any additional information, and told me to stop calling back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: DE

Complaint narrative:
This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. 

I have not given you written permission to put anything on my credit profile. 

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

I am writing this letter to dispute the following account/s : OAG Child SU - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX This agency is in violation of 15 USC 1692g.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: FL

Complaint narrative:
I have paid this amount .I have submitted my payments to this company. They do not acknowledge my payments and demand payment

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: NY

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. 

Account Amount Date Opened XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$34000.00} XX/XX/XXXX XXXX XXXX {$10000.00} XX/XX/XXXX XXXX XXXX  {$0.00} XX/XX/XXXX XXXX {$42000.00} XX/XX/XXXX XXXX XXXX {$300.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$25.00} XX/XX/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 crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
My cashapp  account name is ( $ XXXX ) My name is XXXX XXXX. 
My husband name is XXXX XXXX. 

On XX/XX/2023, My husband cashapped me {$5000.00} at XXXXXXXX XXXX I then went to cash the money from cashapp  to my husband 's debit card which I had linked to my account. I cashed out {$5000.00} with a {$75.00} fee to use cashapp  services. So a total of {$4900.00} was to be on my card at XXXX XXXX 

Cashapp  says that the transaction was successful. 

My husband 's bank states that the transaction was declined, because they don't accept anything over {$3500.00} through cashapp.

I have an email from my husband 's bank declining the payment. And a statement from cashapp stating that it did go to my bank.

As of right now, My money is neither in my husband 's account, or on my cashapp. So i don't know where my money is but both parties say that they do not have any holds on my funds. I need help to obtain my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
Radius, a debt collector that is not licensed in California, and therefore harassing me since they have no standing to collect debts in California is providing fraudulent billing allegedly from XXXX XXXX where the math does not even add up ( see attached ). The copay for preventative care is {$0.00}, yet on the billing statements, after receiving {$1400.00} included a copay check of {$7.00} from me, they claim they are owed an additional {$85.00}. This is a scam and I have reported it to the Office of the Inspector General at the Office of Personnel Management -- but in the meantime while they investigate I want this unlicensed debt collector to stop harassing me for a debt I do not owe.

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