vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have sent letters to XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2022. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However, all under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
My ex was helping with credit repair and kept my information and got a ACIMA account in my name that I wasnt aware of until it showed up on XXXX account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I received a letter from Citizen 's Bank on XX/XX/2022 collecting a debt. My account was just transferred over from XXXX. The letter said that my minimum payment was {$52000.00} and the amount past due was {$36000.00}. When I called Citizens, they told me that they sent out a letter with a misplaced decimal point, and it should have been XXXX and XXXX. While I knew this was inaccurate, I had to check all of my credit reports and make sure my identity was not stolen, and check all of my other information. This seems like more than a simple mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Clunk Hoose Co., LPA
State: OH

Complaint narrative:
My company was contacted and asked for my last 2 pay stubs in regards to a medical debt from 2017 from XXXX XXXX XXXX. I have never been there. I attempted to reach out to the company, Clunk-Hoose Co , LPA and was sent to a voicemail. I also tried to reach out via the contact us form listed on the website. When I was unable to reach them, I contacted XXXX XXXX XXXX billing directly who advised me they did have someone with the same first and last name however the dob and alternate info does not match. Upon further investigation, I pulled the case number given from Clunk-Hoose to my employer on the XXXX XXXX XXXX XXXX and found it belongs to another person with the same name but no other matching information. Ive spent my day calling around and attempting to resolve a matter that has nothing to do with me after my employer was harassed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
An account was applied for and approved without my consent. 

I received an email that an application was in process and then another one stating that it had been approved.

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 2022-03-24 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: TX

Complaint narrative:
I have sent letters to XXXX and Transunion about these false negative accounts on my credit report last XX/XX/2022. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However, all under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The XXXX Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681

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 2022-03-24 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: TX

Complaint narrative:
I have sent letters to Experian and XXXX about these false negative accounts on my credit report last XX/XX/2022. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However, all under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The XXXX Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681

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 2022-03-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
just checked my credit report i realized that my identity was used which i do not understand how people was able to open any account or any inquiry in my name, so unauthorized unverified inquiries have been reported on my credit reports. 
Inquiry : XXXX XXXXXXXX XXXX XXXXXXXX was on XXXX, XXXX, XXXX collections : XXXX procollect in XXXX, XXXX, XXXX XXXX procollect in XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Back in XX/XX/XXXX, it was brought to my attention that I had a collection on my credit report to XXXX XXXXXXXX XXXX in the amount of {$610.00}. I contacted the company and informed them I had never applied for this card and that the charges did not belong to me. I requested a copy of support of me applying for the card and informed them that I wanted to file a " Dispute '' with the company. I was under the understanding that this collection was resolved. Now currently in XXXX that collection is still on my credit report and does not reflect a dispute being filed. 
I want this resolved and removed from my credit report since it is not mine and the company has failed to provide me support that I applied or authorized this account. 

Kind Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : Account XXXX XXXX XXXX days late as of XX/XX/2022 I am not sure how this happened as my account was supposed to have been on auto draft. I believe I made my payments to you when I received my statements. My only thought is that there was an internal issue when the system ran my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: First Advantage LNS Inc.
State: MD

Complaint narrative:
I dont know nothing about this account

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 2022-03-24 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: NJ

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2022-03-24 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: NJ

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2022-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
On or around XX/XX/2022, my debt card was being denied. I called my bank to find that my bank had my account under review for closure and our funds were frozen ... We were never notified by the bank in anyway. 
Not knowing our funds were frozen, we previously submitted checks to pay bills a few days before I called the bank. As a result, we were charged return check fees on all of our checks by the merchant. 
We were not notified and had no knowledge that our payments would not be honored.. We should not be responsible for the returned check fees and US Bank should pay them. The bank told me " they do not pay merchant fees ''. 
Also. because of our " late '' payments, our excellent credit score is now deteriorated through no fault of our own.I called to inquire why our account was being closed, I was not given an answer... only saying 'it was under review '' We did not have a negative balance.

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 2022-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/2022 I was a victim of fraud by a hacked XXXX account. 

I contacted who I thought was the owner of the XXXX account who was advertising game consoles for sale. I contacted them via direct message on XXXX- they told me to send them the total of {$850.00} via XXXX for the items I purchased. Once the sale was finalized I noticed that the actual owner of the account had posted on their XXXX account that their XXXX account had been hacked. 

Once I realized that I had sent the money to a scammer I quickly contacted my Bank while also trying to cancel the transfer from my mobile device with no luck. 

After speaking to a representative they mentioned that it would take between XXXX weeks to give me an answer to my claim. 

After XXXX days I received an update that my claim had been denied and that the money will not be returned to me. 

I believe they did not take the right amount of time to look into my case and was not thoroughly investigated. 

I also contacted XXXX directly with no luck. 

I've attached both updates from my bank as well as proof that I've reached out to XXXX and police 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 2022-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Whom It May Concern, This letter is in reference to these closed accounts still reporting activity after the close date on my credit report. This is illegal, inaccurate, and really damaging my credit profile. There should be no activity reported after the closing date period. Remove the following account for reporting inaccurately : 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 2022-03-24 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: Continental Finance Company, LLC
State: MD

Complaint narrative:
This company negligently allowed my credit card account ( ending XXXX ) data to be exposed to online criminals. Whereas the account was attacked and approximately {$700.00} USD was fraudulently charged. 
The card held a {$0.00} balance at the beginning of the year 2022 and fraudulent charges were made in the month of XXXX and continued into the month of XXXX. 
I notified the company 's fraud department of the incident and a new credit card was issued. However, after review of the card 's dashboard, fraudulent debt was transferred to the new account and additional fraudulent charges are present. 
At this time, company is refusing to allow me access to a detailed report of charges dating back to the beginning of the year- which would prove that fraudulent activities occurred. 
They are expecting payments on a current balance of {$350.00} So far, the company 's appears to be giving me runarounds and disconnecting calls.

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 2022-03-24 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-24 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: IA

Complaint narrative:
Hello I have received a {$25.00} Vanilla Gift Card as a gift years ago. Considering the fact that money does not expire, I had no urgency to use it until recently. I now notice that there are multiple fraudelent transactions on my account. Please note, I researched Vanilla Gift Cards and I see many people are losing money with this company. There are multiple horrible reviews and stories on the consumbe reports. 
I have tried working with them on re imbursing the money that I feel like was stolen from me. 
I sent them a request on XXXX XXXX. Sent them another request and for an update on XX/XX/2022 and another one on XX/XX/2022 only to be ignored by them. 

This is absolutely unprofessional and unethical. I am not sure how this company is still allowed to sell gift cards. 

Please reimburse the money that was stole from me. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I was part of a class action lawsuit against my mortgage company. I went into contract for my home with XXXX XXXX XXXXt and I was part of a class action lawsuit against my mortgage company for predatory loaning and fraudulent activities to which XXXX XXXX homes were ultimately awarded to the victims. I was under court order to stop paying my mortgage while litigation was taking place. I was fighting with XXXX XXXXy before the court order because the house they sold me was way worse then what they said and I had to spend roughly 30,000 dollars to renovate enough to be able to move in and during that time I had to pay rent to live elsewhere pay for construction and pay my mortgage. I am not the only victim here my property is listed in this court order.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: PA

Complaint narrative:
there was XXXX  opened for XXXX XXXX XXXX i nvere even seen the card used the card nothing i disputed it fraud several times XXXX XXXX telling me its mine it is not i XXXX  credit freeze on my account so there for it is not mine they refuse to remove the account also they keep XXXX reports on 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 2022-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was taken advantage of by your company because of the incorrect reporting of fraudulent account which has put me a very bad financial situation

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