vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-21 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: Aargon Agency, Inc.
State: PA

Complaint narrative:
I XX/XX/2022, I requested a wet signature signed contract that I owe AARGON COLLECTION AGENCY, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX They have also placed a late payment on the account and the accounts are closed. If the company cannotXXXX send a copy of the original contract with my signed signature! I WANT A removal immediately! They are reporting inaccurate information and according to the FCRA you CAN NOT please a late payment on a closed 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 explanation
Consumer complaint received 2023-02-21 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: GA

Complaint narrative:
I taped me & the Elan Reps conversation over the phone about the XXXX XXXX XXXX charge dispute and the Elan Representative is lying about our conversation : I put her on hold for a quick minute and then I came back to the phone and she was still holding, but I sat up there and said hello for 5 minutes and the Elan representative didnt say a word! So the Elan Representative is telling a big lie in her response to my complaint, and I have a recorded conversation on my tape recorder showing the Elan Reprentative is lying! 
I tried to respond back, but I just saw that I only had until XX/XX/2023 to respond. 
Somehow I thought I had until XX/XX/2023 to respond! 

But since Elan Representative lied in their response about what actually happened between me and her then I believe they lied about sending documents out to me about the XXXX XXXX XXXX for {$2400.00} to me, so they wouldnt get documents back from me, so they could take the provisional credit off for {$2400.00} and recharge my account for the {$2400.00} : because I did get the documents saying they had charged my account again for the {$2400.00} charge, so I think that Elan Financial Services should be made to immediately credit my United Community Bank Visa card for the XXXX XXXX XXXX charge for {$2400.00}.

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 2023-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
My mother recently passed away on XX/XX/23. On XX/XX/XXXX, I received the letters of administration & forwarded them to my mom 's banker same day and told her I wanted to pay off her Truist credit card immediately which was due XXXX. Instead of replying in a timely fashion while still holding my mother 's accounts closed, Truist turned the account over to XXXX collection agency! They called me from a scrambled number and insisted I owed them and Truist was their client. When I checked with XXXX XXXX at Truist she said I had to pay them. As soon as she released my mother 's funds, I opened an estate account and paid all my mother 's bills. I sent a check to XXXX and they refused to cash it. After 7 days I called them and they scoffed at the starter checks that every other creditor had cashed, and told me I could not sign the checks " The Estate of XXXX XXXX XXXX '' which is how the bank told me to sign the checks. They refused to deposit the check! and then extracted personal information from me in a very sleazy way, insisting they want to make an ACH withdrawal from the estate account now. I am not comfortable with this XXXX and I am XXXX that they refuse to cash the check, and have the nerve how to tell me to sign it. I am only trying to pay the bill off in full!

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 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

15 U.S.C 1681 Section 602 A. StateXXXX 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 instructions. 

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

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 2023-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MN

Complaint narrative:
I have been in an ongoing battle to get the PMI removed from my mortgage for several months. I finally was able to get the company to contact an appraiser to begin the process to see if the property was eligible for PMI removal based on current balance and newly appraised value. After receiving notification that the appraisal was completed, I was provided insufficient details on the results beyond " did not qualify for PMI removal ''. When first requesting detailed support from the appraisal, I was told that the house appraised at a value equal to the exact low end of the appraisal ( not having access to the detailed appraisal yet, my disagreement at the time was voice and I was told to simply file a disagreement. Once being told that, I stated that I would need a copy of the detailed version in order to make a more specific case for my dispute. The representative said she would send the appraisal to my email on file which I had her confirm ( XXXX ). After receiving nothing for a week, I followed up to once again request the detailed appraisal. Finally after requesting detailed documentation for a third time, I finally was providing the detailed appraisal ( as opposed to the summary one page document with no detail ). I find out that the appraisal actually came in ~ {$35000.00} higher than I was originally told the first time. Realizing this may have been an error in initially rejecting my request, I called back today and was put on hold for awhile while another representative looked into why it was denied. Prior to this, I was told that the appraisal needs to be below 80 % XXXX to remove PMI. Similarly, the Mr Cooper website says in plain English that you can request to cancel PMI at a level below 80 % XXXX. Yet, the representative today told me that the current XXXX of 77 % doesn't meet their requirement of 75 % XXXX which is a special requirement since the new value was from an appraisal. He also let me know that there is nothing he can do and nothing I can do except file a detailed dispute. I am in the process of filing the dispute as the initial appraisal ignored an identical comparable that is next door that indicates a value closer to XXXX % XXXX and contained inaccuracies. At that point, I decided to file a complaint with the CFPB as the story seems to be changing and inconsistent with the terms clearly stated on the website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: NM

Complaint narrative:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-21 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-21 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

has violated my rights. Or a list of Inquiries : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 or 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 explanation
Consumer complaint received 2023-02-21 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: CA

Complaint narrative:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX XXXX XXXX {$37000.00} ; XXXX XXXX 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 2023-02-21 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: CA

Complaint narrative:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX XXXX XXXX {$37000.00} ; XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I had a cashiers check deposited in my account on XX/XX/XXXX at a BMO Harris Bank in the amount of XXXX. They told me that is would take 7 business days to clear the check. Before the check was deposited in my account the check was ran through a system and verified that is was a live and good. I was released some of the money at the time of deposit, the remaining was left in the account pending approval. On XX/XX/XXXX BMO closed my account. I went inside the main branch and they told me my account had been closed due to an alert. I asked what happened to my cashiers check that was deposited they told me that I have to contact BMO other departments in order to get any more information regarding the funds. XX/XX/XXXX I have been told that the money is not available and that I actually owe BMO XXXX. I said that is not correct I have XXXX in funds that have been taken from me. On XX/XX/XXXX BMO credited XXXX to my account that has been closed at least a month now, and will not tell me where the rest of the XXXX is located. They are stealing certified funds at this moment.

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 2023-02-21 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: FL

Complaint narrative:
I recently viewed my credit report and found out I have multiple identity theft accounts. Please remove this as soon as possible so I can buy a house for my wife and children.

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 2023-02-21 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: EQUIFAX, INC.
State: OK

Complaint narrative:
XXXX XXXX and Equifax are not complying with regulations based on my request that have been sent in with inaccurate information on XX/XX/2023 and the third request of validation that was sent in on XX/XX/2023 certified and i still have no letters from them stating anything has been investigated or resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: PLS GROUP, INC
State: NY

Complaint narrative:
I bought a money order on XX/XX/2023 for the amount of XXXX it was for my rent I mailed it at the post office in XXXX ny I bought the money order at PLS store my landlord contacted me about not receiving my rent. I go to pls they say the money order was cashed by someone they gave me a receipt of the transaction but the receiver was changed on the money order. The endorsement still have my signature. Should PLS refund my money back to me so I can pay my rent?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-21 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: TX

Complaint narrative:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-02-21 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: CA

Complaint narrative:
I filed multiple complaints and disputes regarding my credit report has account fraudulently opened without my knowledge. I have provided my police report regarding identity theft and victim of mail forwarding. But they did not give proper investigation and my credit report still have negative impact from account which was fraudulently opened without my knowledge. So very frustrating and helpless with no resolution in sight. Sigh.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate this unverifiable account XXXX  XXXX XXXX Balance {$70.00}.

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 2023-02-21 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: NC

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX  XX/XX/2022.

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 2023-02-21 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: NC

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.

Company response to consumer: Closed with explanation