vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-22 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: FL

Complaint narrative:
Dear XXXX, I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 
Collection account from Unknown with account # XXXX and a balance of {$75.00}. The original creditor is Unknown. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
Inquiry from XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally signed and sent this letter. 
Sincerely, XXXX XXXX If after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete.

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 2022-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I signed up for advertising account through XXXX with an representative and I was told by the representative that there would be a flat fee rate and I would not go over my budget. I have a confirmation of services. After signing up, XXXX started billing out of budget. I didn't catch the initial charges but notice that my account was negative. I contacted my representative but did not get any response, so I contacted the company ( XXXX ). I was told to submit a refund request. I did but nothing happened and I continued to get charged. I was told that I had to manually cancel from the website but it was not easy and had to be walked through from another representative. This process was long. I contacted my bank and told them what was going on however I was told nothing else was needed and they would contact me if so. I waited an email but Wells Fargo sent a letter to my mailing address instead of contacting me by email as I contacted them. I didn't get the correspondence within time so my claim was denied. I have the initial contract between XXXX and do not see how a company can charge whatever they feel and my bank that should help me, left me paying a fee that was never agreed. I am a small business owner and can not survive with companies taking advantage. I really thought my bank would help but was never given an opportunity. This charge has caused my account to be affected negatively in not acquiring help from other due to the incidents. This was a huge hit to my company financially.

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 2022-08-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc.
State: GA

Complaint narrative:
I have attempted to resolve the problem with the servicer. I sent qualified written request as well as debt validation notices. I have concerns about the assignment that was recorded from XXXX XXXX XXXX according to my deed of trust XXXX was not listed and that is who I originated the loan with. My original loan number was XXXX and the new loan number is XXXX. This altered the contract that I made and agreed to and signed in 1997.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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: NM

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

15 U.S.C 1681 section 602 A. States I have rights 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 explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Credit card has been have servicing issues for over 3 months. I ordered a new card the first week of XXXX because my card wasn't working- not knowing that it was because Comenity was having system issues. New card never received. I have made multiple requests for a new card. They sent me a letter that they can't send me a new card due to my account status. My account is paid current and there are no alerts on my account per them. They don't know how to fix my account or issue a new card. They were supposed to send me replacement coupons to use - instead, they send me a blank piece of paper. They have no idea how to fix the issue that they created with their supposed system upgrade. I have had multiple phone calls with them to no avail. I can't use my card and have lost out on coupons, rewards and offers over the past several months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-22 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: TX

Complaint narrative:
I have disputed multiple account working on my credit report to no avail. I do not believe a fair and accurate investigate was conducted into the accounts. I am requesting again a complete and accurate DEBT VALIDATION of the accounts. I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. I wish to receive accurate reporting of accounts, complete report with validation method and itemized report of debt due and a signed copy of debt origination with my signature. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the 15 USC 1681 , i have a right to privacy. Also 15 USC 6802, No financial institution is suppose to share my information with third-party people. I believe these are clear violations of my federally protected consumer rights.

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 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian is displaying an incorrect home address ( XXXX XXXX XXXX XXXX, XXXX XXXX, Florida XXXX ) on my credit file, but will not allow me to dispute it. I have never lived at this address as it is a business address. This location does not even have residences.

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 2022-08-22 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: TX

Complaint narrative:
I have disputed multiple account working on my credit report to no avail. I do not believe a fair and accurate investigate was conducted into the accounts. I am requesting again a complete and accurate DEBT VALIDATION of the accounts. I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. I wish to receive accurate reporting of accounts, complete report with validation method and itemized report of debt due and a signed copy of debt origination with my signature. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to the 15 USC 1681 , i have a right to privacy. Also 15 USC 6802, No financial institution is suppose to share my information with third-party people. I believe these are clear violations of my federally protected consumer rights.

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 2022-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
On XX/XX/2022 a fraud charge of {$71.00} posted to my Ally Bank checking account under the following name XXXX XXXX XXXXXXXX XXXX XXXX. I contacted Ally Bank about this charge and they issued a new debit card, but I have not yet received a reimbursement for {$71.00}. It seems that across social media, many Ally Bank customers are complaining of similar fraudulent charges and Ally Bank has not announced the degree to which there was a breach. As customers, we deserve to know what is going on with our money and quickly receive reimbursements for fraud charges.

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 2022-08-22 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: Georgia Student Finance Authority
State: GA

Complaint narrative:
I recently looked at my credit report with ( XXXX, XXXX, & XXXX ) and I noticed some late payments posted on my credit report. 

Unfortunately, your agency is in a clear violation of the law.

Under 15 USC 1681b- permissible purpose of consumer reports, The Law Clearly States ( 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.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have a closed acxount XXXX XXXX XXXX loan in the amount of XXXX which has been closed for 4 years. Transunion has reopened this account with no explanation as to why, and it has decreased credit score. This is indeed improper use of credit report as well as violation of privacy as a consumer, according to the FCRA 15 USC sec 602 and 604

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 2022-08-22 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: TX

Complaint narrative:
FCRA violations : not my social security numbers XXXX XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX Resident type Post office box XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex FCRA violations : accounts not mine XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$800.00} Status Collection account. {$800.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$750.00} Status Collection account. {$750.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Account charged off. {$6.00} FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$700.00} Status Open. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$280.00} XXXXtatus Open.

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 2022-08-22 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:
FCRA violations : not my social security numbers XXXX XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX Resident type Post office box XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex FCRA violations : accounts not mine XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$800.00} Status Collection account. {$800.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$750.00} Status Collection account. {$750.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Account charged off. {$6.00} FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$700.00} Status Open. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$280.00} Status Open.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I recently looked at my credit report with ( XXXX ) and I noticed some late payments posted on my credit report. 

Unfortunately, your agency is in a clear violation of the law. 

Under 15 USC 1681b- permissible purpose of consumer reports, The Law Clearly States ( 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. 

Did I give you written instructions to furnish this account on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 



Account Name : Capital One Account Number # XXXX Account Name : XXXX XXXXXXXX Account Number # XXXX Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have contacted this company to notify them a account that I disputed and asked for a investigation due to inconsistency on the reporting on the account in question and the company results after their investigation said that the account met FCRA requirements but never told me how they came to their conclusion. Under 15 usc 1681 section 602 A states I have a right to privacy 15 usc 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 2022-08-22 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: NJ

Complaint narrative:
I have contacted this company to notify them a account that I disputed and asked for a investigation due to inconsistency on the reporting on the account in question and the company results after their investigation said that the account met FCRA requirements but never told me how they came to their conclusion. Under 15 usc 1681 section 602 A states I have a right to privacy 15 usc 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 2022-08-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: TX

Complaint narrative:
On XX/XX/XXXX i turned in XXXX orders to the housing department at XXXX XXXX. I moved out XX/XX/XXXX. I am now being charged XXXX $ for rent and XXXX $ in cleaning fees. I told them to keep my deposit for cleaning fees. I called and spoke with IQ data international and they said i owe rent for XXXX because its 30 days from next rent day which is XX/XX/XXXX. Rent is due XX/XX/XXXX. That is 31 days. That was incorrect. I should have not been charged for XXXX and my deposit should have covered all cleaning fees. I was then told my deposit was given as a gift to the apartment company and it does not cover cleaning charges. The apartments only accepted money orders which i have proof taking it out XX/XX/XXXX. Please help me to take care of this for my credit. I feel like i have been wronged. I asked for proof from the apartments that i paid and they told me there under new management and have no proof of my orders and what i paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
I moved to the XXXX apartments XX/XX/XXXX my lease ended XX/XX/XXXX! Never missed a payment. I decided to renew my lease they stuck a packet in my door to fill and submit back XX/XX/XXXX I submitted back the forms and took a picture of me handed the packet back because I know things are half done around there. So management failed to contact me Ill walk everyday to see if anyone in or call in and theyll tell me that theyll try to get in contact with him so he just went ahead and moved out in XXXX and turned in the keys to whoever was on duty XX/XX/XXXX my neighbor stated that they found a 5 day to vacate to move in XXXX mind you I already moved out ; so I had to show up for eviction court and I go charge for months I didnt occupy the unit! I wrote and sent certified letters to validate debt, and the last letter they signed for XX/XX/XXXX with the proof of documentation where I wasnt charged for XXXX and where the storage and uhaul was purchase so no one havent gotten back with me yet! And they sending emails thats ending up in my span than send out letters like they instructed too!

Company response to consumer: Closed with explanation