vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-16 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX  XXXX, Account # XXXX, Account # XXXX, account # XXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-16 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXXl XXXX, Account # XXXX, Account # XXXX, account # XXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX XXXX Department XXXX XXXX # XXXX XXXX Department XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-16 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX  # XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXXl XXXX # XXXX XXXX XXXX # XXXX XXXX Department XXXX XXXX # XXXX XXXX Department XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
They constantly hounding me over debt of ( {$900.00} ) thats not mine. They will not leave me alone and deleted debt I Told them they are in violation of 15 USC 1681i. They said they didnt care they was hired to do so

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 2022-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act : The list of accounts below has violated my federally protected consumer rights privacy, and confidentiality under 15 USC 1681. 

1. XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX XXXX Account, has violated my rights. 
2. XXXX XXXX XXXX XXXX XXXX has violated my rights. 
3. XXXX XXXX ( XXXX XXXX XXXX, XXXX, CA XXXX ) on behalf of XXXX XXXX  XXXX XXXX has violated my rights. 
4. XXXX XXXX XXXX XXXX has violated my rights. 
5. XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX, CA XXXX ), has violated my rights. 
5. XXXX XXXX  ( XXXX XXXX XXXX, XXXX, MN, XXXX ) has violated my rights. 
6. XXXX XXXX  XXXX XXXX XXXX, XXXX, FL XXXX XXXX has violated my rights. 

Furthermore there is an address I have never lived in that has been reported. I have never lived in address XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, CA XXXX. 

15 USC 1681 SECTION 602 A, states I have the right to privacy.

15 USC 1681 SECTION 602 A Section 2 : It also states a consumer reporting agency can not furninsh account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report continaing any of the following items of information, any other adverse item of information, other than recortds of convictions of crimes which antedatates the rport by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consume rreporting agency if the person knows or has reasonable cause to belive that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-16 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: GA

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 need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
2 Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
3. Validate Account XXXX XXXX Account XXXX : 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 explanation
Consumer complaint received 2022-06-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Greetings, I received a letter stating, the accounts below were verified in which disputes still arise to exist for the following : 1. XXXX XXXX XXXX # XXXX I did not authorize for the original creditor to release any private medical information to any third party. Please be advise ; this goes against HIPAA under a violation as Im allowed to dispute when it involves PHI ( Protected Health Information ). This needs to be removed from my report immediately. 

2. XXXX XXXX XXXX # XXXX This also goes against the violation of HIPAA in which I have every right to dispute the PHI obtained by all unauthorized third parties. Without privacy forms filled out nor granted ; the original creditor was not given permission to release PHI ( Protected Health Information ). This needs to be removed from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
On XX/XX/2022 called the attorney XXXX XXXX XXXX XXXX from Utah, collecting for LVNV Funding LLCXXXX XXXX XXXX , that had my collection account to negotiate the debt, after negotiations we agreed to the amount {$2500.00} and the took from my account a higher amount without my authorization, {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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: NJ

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE, THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT, I DEMAND THAT ALL OF THE ITEMS LISTED BE REMOVED TO CORRECT MY CREDIT REPORT. I ALSO REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION & ENCLOSED COPIES OF THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. REMOVE THESE ITEMS 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 non-monetary relief
Consumer complaint received 2022-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
As a " valued customer '', I received a letter from Bank of America suggesting I switch to the Bank of Am. Unlimited Cash Rewards card. " Make the switch and get a {$200.00} cash rewards bonus after you spend at least {$1000.00} on purchases made by XX/XX/XXXX, XXXX.Your current account number and credit line will stay the same. '' I signed up for the switch on XX/XX/XXXX Confirmed on XX/XX/XXXX balance of {$1000.00} on card. 

Called and confirmed I'd met requirements for offer on XX/XX/XXXX Told just to wait for statement credit to show on account. 

Never showed XX/XX/XXXX sent feedback electronic form with copy of marketing piece noting directions and that I followed them, Bank of Am. associate told me on phone call that I'd done everything correctly. 
SUBSEQUEST FOLLOW UP CALLS : Assoc. told me I had to wait till XX/XX/XXXX to start making purchases?? Then another phone conversation told me I made my purchases too early??? 
Same account number, purchases made before XX/XX/XXXX. 
" Switching your card has never been easier '' - NOT!!!!

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 2022-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My loan was transferred from XXXX XXXX ( servicer for transfer XXXX XXXX ) to XXXX ( Shellpoint payment hub for XXXX ). XXXX capital never made me aware of the transfer. XXXX XXXX said they sold the loan on XX/XX/XXXX but I was not made aware until I received XXXX XX/XX/XXXX statements, XXXX from XXXX XXXX and XXXX. Not only that, I have a statement from XXXX XXXX for XX/XX/XXXX which I paid on XX/XX/XXXX for {$1500.00}. If XXXX XXXX had sold my loan on XX/XX/XXXX why did I get a statement for XXXX and XXXX. XXXX sent me letters of delinquent payment but I was not aware that my loan had been sold, the fact that I had a statement from XXXX XXXX for XXXX and XXXX. I have been in daily contact with XXXX XXXX and XXXX since XX/XX/XXXX when I discovered the issue. The inability for these two companies to process the transfer is astounding. Now it is past the 60 day protection and things still haven't been resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
2. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
3. Validate Account XXXX XXXX Account XXXX : 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 2022-06-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a 30 day late payment reported for XXXX of 2019. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I opened up a XXXX XXXX credit Card in XX/XX/2018 at XXXX XXXX XXXX XXXX. After opening the card I was attempted to pay off the purchase that made the same day that u opened the card, however I was told that I had to wait until I received the credit card. In addition, I was told that I would receive the credit card in approximately a week. After a few weeks lapsed I never received a card, months went by and I still havent received a card. I reached out to XXXX  XXXX via phone and explained to them that I never received a card in the mail and nothing was done. Therefore, I went to the store where I opened the card and was able yo pay off the amount of roughy {$38.00}. I paid off the balance with the manager at the time and I explained to her that I never received a card and wasnt able to pay the balance. After about a year I never received the card but I received a letter stating that I owed $ XXXX. I explained to the company that I never received the credit card in the mail and that I had paid off the debt that I owed. Furthermore, I asked for the location of the store where the items were purchase and what was purchased, no one was able to disclose this information to me, and they offered me a settlement of approximately {$170.00}, and I explained to them that I had already paid off my he credit card, despite me never receiving one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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: California Business Bureau, Inc.
State: CA

Complaint narrative:
1. I called XXXX  to pay off debt that has not been validated to be mine 2. I paid {$1500.00} on XX/XX/XXXX 3. XXXX  said they would remove all collections from XXXX 4. Weeks later, they were not removed but I have more collections on my report plus the old that should have been removed 5. XXXX  pulled my credit report in the form of an " installment loan '' on XX/XX/XXXX XXXX. XXXX  failed to provide me written validation of this medical debt, and no I wish to not validate it over the phone

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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: NJ

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE, THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT, I DEMAND THAT ALL OF THE ITEMS LISTED BE REMOVED TO CORRECT MY CREDIT REPORT. I ALSO REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION & ENCLOSED COPIES OF THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. REMOVE THESE ITEMS 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 non-monetary relief
Consumer complaint received 2022-06-16 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: NJ

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE, THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT, I DEMAND THAT ALL OF THE ITEMS LISTED BE REMOVED TO CORRECT MY CREDIT REPORT. I ALSO REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION & ENCLOSED COPIES OF THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. REMOVE THESE ITEMS IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-16 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
My name is XXXX XXXX and I own a Barclays Master Credit Card number ending in XXXX. 

On XX/XX/XXXX, I received an SMS alert on my number XXXX to approve a transaction from XXXX. I accidentally approved it. After approval, I logged into the mobile app and noticed that this was a fraudulent transaction. Also, there was a transaction from the XXXX store at the same time. 

I immediately noticed that I wasnt in possession of the card. I called customer service on XX/XX/XXXX and informed them that all of these transactions were fraudulent. I asked the customer service agent to cancel all of them, including ones from XXXX and XXXX stores, while these transactions still were in a pending state. Subsequently, the customer service agent promised me that all of these transactions will be reversed. Then they closed my card and issued me a new one. 

Today, I noticed that the XXXX  transaction for {$350.00} was posted to my account. I called customer service about this issue. They responded that they have no record of my card reported as being stolen. They refused to reverse the XXXX  transaction or put it on hold until the issue can be resolved. 

I would like to have the XXXX  transaction for {$350.00} be immediately reversed and the amount credited back to me because it was unauthorized and fraudulent. I informed the Barclays team immediately that it was fraudulent. 

I can not afford to pay this amount and I am afraid that if I don't pay this then my credit will be severely impacted.

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 2022-06-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Fradulent Inquires on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been doing business with Wells Fargo for at least 30 years. I have several accounts and have had mortgages which have been paid off. I also had 2 credit cards, one for regular everyday and one for business. 
This month ( end of XXXX or XX/XX/XXXX ) my business credit card was unceremoniously canceled with no notice to me, no phone call, text or email, no opportunity to object. I only know because my online account shows it was closed. 
When I contacted Wells Fargo, they said it was closed because Risk Management decided to do it because of my credit score. This is ridiculous for several reasons : My long history of good credit with Wells Fargo. 
My XXXX score on the Wells Fargo website is XXXX. 
My credit score with XXXX went down recently because an account I co-signed for had been paid late the account was opened before COVID, the person lost her job because of COVID, she has tried to start her own business and it is difficult because of COVID, her former XXXX husband is not paying court-ordered child support and the state is not helping her to garnish it, and now she has XXXX XXXX. 
They did not cancel my regular credit card which I pay off every month on time. 
My business account with Wells Fargo had more than {$1000.00} in it at the time. 
My business credit card ( the one they cancelled ) typically only has a monthly charge of {$19.00} which is paid every since month on time. 
To make matters worse, yesterday ( XX/XX/XXXX ) they added a charge of {$.00} to the card they canceled that had a XXXX balance at the time. 
I put in a complaint with Wells Fargo which they are supposedly investigating. And I was not able to state my case, they just took an abbreviated version and created a case, but I dont know what it says. But even if they find that they were wrong, they can not restore that card.

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 2022-06-16 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  accounts numbers : * XXXX XXXX XXXX # XXXX *XXXX XXXX XXXX XXXX # XXXX *XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS. 


15 U.S.C 1681 Section 602 A States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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