vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-31 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: NY

Complaint narrative:
After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes from my report. The unauthorized inquiries which I have been disputing still appear on my credit report. This is clearly a violation to the Federal Law. Per FCRA section 605b, the credit bureaus are required to remove/block any information listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2022-05-31 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: TX

Complaint narrative:
I arrived into the XXXX in XXXX After I got my Visa ( see attached visa and entry stamp ) I married and filed for my permanent residency XXXX and got my SSN for the first time in XXXX XXXX.. ( also see attached copy of XXXX card ) I disputed this information several times but to no avail. The federal law prohibits any reporting agency to report any information that has not been duly verified. XXXX XXXX XXXXXXXX has been reporting a loan in the amount of {$11000.00} that was taken or opened XXXX to EQUIFAX.. That was before my arrival.. and had kept reporting this delinquency under my credit report which I have just fully established this year. My request is that this inaccurate report be deleted completely from my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
There is a collection account on my consumer report that shows the " original creditor '' and the account type which state DEBT BUYER. Pursuant to 15 USC 1692D ( 4 ) selling a debt is a violation. By these accounts being listed as debt buyer is also a violation pursuant to 15 USC 1692E ( 14 ) due to a 3rd party attempting to collect as somebody else. in this case HARRIS & HARRIS LTD is attempting to collect as XXXX  XXXX MEDICAL CENTER. These collections ( junk buyers ) are infringing upon my privacy as I have the right to privacy and never gave them ANY permission to access my personal information as well as well as furnish ANY information on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Account Control Technology, Inc.
State: GA

Complaint narrative:
In XXXX, I attended XXXX XXXX  and left early due being mislead by the program. In XXXX, I filed Student Borrower 's Defense with the Federal Government against XXXX XXXX  to have my student loans that I received from XXXX to be discharged due to their misrepresentation of the school. 
In XX/XX/XXXX, I received notification that Account Control Technology was added to my credit report as a collection. I was never notified from Account Control Technology so that I could dispute the debt or request debt validation. This debt is also from XXXX, and they have re-aged the debt to reflect opened as of XX/XX/XXXX Account Control Technology stated that they were sent over information from XXXX regarding a mailing address that they mailed all correspondence to. When I attended XXXX XXXX, I always received correspondence through email because that was my preferred method of communication. I NEVER received any mail through the physical address because we NEVER received mail at this location, we always received mail at our po box . When I called today, XX/XX/XXXX, a representative told me that it did not matter when I submit a dispute on the account. I informed the representative that evidently it does matter when I dispute the account, because since I was never given the 30 days to dispute the account that now it is on my credit report. When I called this company, I I went over the issues pertaining to them illegally placing this on my credit report without properly giving me the chance to respond. When I requested the copies of the correspondence to which they claim they sent to the wrong address, they have failed 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 2022-05-31 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: FL

Complaint narrative:
i have been trying to dispute this account with XXXX for a couple of months now, i tried to get information from XXXX  but they couldnt provide me with anything and the company calling me isnt the original creditor and couldnt provide me with any information on this account. I called the XXXX  and they were unable to help me everyone is giving me the run around. i have no relationship with XXXX  and never agreed to this alleged debt. this account with XXXX is a result of fraud please cease any attempt to collect this debt and please remove it from my credit report it is causing me extreme stress when they call me about an alleged debt that i did not agree to pay. please remove me from any call systems and please stop all attempts to collect on this fraudulent account.

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 2022-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was at work, I got a call saying it was the utility company and that there would be a disruption in my service because of a delinquent account. They knew all kinds of information about a deposit I had made with the city and everything. Then they wanted me to go pay it in cash to the city or pay with XXXX. I was at work and could not get there. So I sent with XXXX and then they vanished. I was fraudulently coerced to pay this money. I panicked because my kids were home alone while I was at work and I dont ever have delinquent accounts. It is to my understanding that under ; The Electronic Fund Transfer Act ( EFTA ) ( 15 USC 1693 et seq. ) of 1978 is intended to protect individual consumers engaging in electronic fund transfers ( EFTs ). That " if a third party fraudulently induces a consumer into sharing account access information, '' that consumer should receive the same protections as if the money were acquired from a stolen debit card or other banking " access device. '' My bank is saying that they will request the criminal to send the money back. Theyre scammers and frauds they will not send the money back. I can not afford to lose {$1200.00}.

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 2022-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Someone have stolen my debit card and made ATM transactions & merchant purchases. I explained to my bank that this never happened before and that I've never authorised anyone to make these transactions nor did I make these transactions myself. this is now my third time speaking with my bank and I haven't gain any real help. 

My bank denied me because " we don't have enough information '' " because you made a transaction on the same day your card was missing/stolen '' I don't understand none of these are good reasons and I responded that theft isn't planned. Plus I didn't make these transactions. 

( 6 transactions ) XX/XX/2022{$500.00} ATM XX/XX/2022 {$500.00} ATM XX/XX/2022 {$500.00} ATM, {$450.00} XXXX, {$290.00} XXXX, {$48.00} XXXX XXXX XXXX Total : {$2200.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-31 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 — Their investigation did not fix an error on your report
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: AR

Complaint narrative:
XXXX XXXX is reporting inaccurately on my credit report and not following the Federal Trade Commission 's rules. Looking to purchase my first home, I opened a secured credit card with XXXX XXXX in XX/XX/2021 in hopes of increasing my credit score-but the opposite has happened with me being swindled by XXXX XXXX. I deposited {$1000.00} by bank transfer which was my credit limit. I made all payments on time and even paid the balance off, never missing a payment. Kept my utilization low, under 25 % for six months. Around XX/XX/2021, there was a purchase in the amount of {$580.00} that I did not authorize. I then immediately filed a dispute with XXXX XXXX. The dispute was supposed to end XX/XX/2021. XXXX XXXX kept my refund from my deposited monies as a permanent credit ( that no attorneys or creditors have ever heard of ), that cant be used due to the account being closed. XXXX XXXX has reported inaccurately on my credit report, such as a high credit balance and closed the account while there was an investigation going on. 
XXXX XXXX is reporting a high balance, paid satisfactorily. Which Capital One has admitted I have money that they are " holding '', over half of the deposit I sent and are keeping it ( for now, due to my attorney and I demanding my monies/ and / or going to court ). The balance can not be high if there is a credit! That is factual that {$580.00} of {$1000.00} is not spent! 
I have never written into the CFPB about this matter, only about XXXX XXXX keeping my money. I just want to make sure this is all documented.

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 2022-05-31 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
During XX/XX/2021 California EDD placed my initial disibility payments on a debit card issued by Bank of America. 

I was not able to access the funds. I called Bank of America and was told that there was suspected fraud and California EDD placed a hold on the card. 

I contacted California EDD and ws told that my claim was approved and that Bank of America should release my funds. 

I am currently receiving disability checks fro California EDD. 

I have conveyed this to Bank of America on several occasions but they are still refusing to unlock my card and release my funds which they are continuing to make a profit from Please investigate.

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 2022-05-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc.
State: IL

Complaint narrative:
There is a collection account on my consumer report that shows the " original creditor '' and the account type which state DEBT BUYER. Pursuant to 15 USC 1692D ( 4 ) selling a debt is a violation. By these accounts being listed as debt buyer is also a violation pursuant to 15 USC 1692E ( 14 ) due to a 3rd party attempting to collect as somebody else. in this case STATE COLLECTION SERVICE is attempting to collect as XXXX  XXXX XXXX. These collections ( junk buyers ) are infringing upon my privacy as I have the right to privacy and never gave them ANY permission to access my personal information as well as well as furnish ANY information on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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 — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
" I am a victim of identity theft. Due to the XXXX XXXX XXXX we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31 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 — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: CA

Complaint narrative:
" I am a victim of identity theft. Due to the XXXX XXXX XXXX, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31 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: NY

Complaint narrative:
After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes from my report. The unauthorized inquiries which I have been disputing still appear on my credit report. This is clearly a violation to the Federal Law. Per FCRA section 605b, the credit bureaus are required to remove/block any information listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes from my report. The unauthorized inquiries which I have been disputing still appear on my credit report. This is clearly a violation to the Federal Law. Per FCRA section 605b, the credit bureaus are required to remove/block any information listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/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 2022-05-31 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes from my report. The negative items which I have been disputing still appear on my credit report. This is clearly a violation to the Federal Law. Per FCRA section 605b, the credit bureaus are required to remove/block any account listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX/XXXX  XXXX Balance Owed : {$4900.00} XXXX XXXX Balance Owed : {$25000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account XXXX XXXX, XXXX, XXXX Account # XXXX, and XXXX  XXXX  XXXX Account # 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

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 2022-05-31 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account XXXX XXXX, XXXX, XXXX Account # XXXX, and XXXX  XXXX  XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
Citizens Bank continued charging PMI for 4 months after the loan balance was below 78 % of cost/fmv. 

The bank acknowledges taking more PMI however they are refusing to refund the excessive funds that were taking from our account ( approximately XXXX usd ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc.
State: NC

Complaint narrative:
The CBE Group XXXX Inc XXXX XXXX XXXX XXXX, IA XXXX Reference : XXXX XX/XX/22 Letter stated : The letter is regarding account with Department of Veterans Affairs account number XXXX As of XX/XX/22 you owed : {$34.00} and was charged administrative costs : {$11.00}. 

Caled XXXX spoke to VA Rep. and was told do not owe {$34.00} and account number XXXX not in their system. Called XXXX XXXX The CBE Group , INC. and representative asked what Government department I spoke to. I told them and they kept asking for department I spoke to. Every time I answered them, they said it was wrong department. I gave them all the information on VA that sent my medical bills and every time I was told, by CBE Rep ; I talked to wrong department. I finally replied that as per CBE Group letter : This is not my debt, I want to dispute the dept. The representative hung up on me. 

Contacted CFPB by phone and helped to be able to send in this form.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
In XX/XX/XXXX, I refinanced my mortgage with AXOS Bank and they sent me a check from excess escrow funds but I never received to my knowledge. On XX/XX/XXXX I received a letter from XXXX stating that I never cashed the original check and asked what I would like to do. One of the options was to reissue a replacement check in the amount of {$7200.00}. I submitted the request using their form before the XX/XX/XXXX due date via email and ended up receiving a response stating that the mortgage has changed lenders and the funds are not available. I responded and told them that the new mortgage company ( XXXX XXXX ) does not have the funds per a phone call with SG. They did not respond. The property ID per AXOS is AXOSBNK XXXX. Please help me get the funds that they stated are avaialble.

Company response to consumer: Closed with explanation