vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I first received a text asking me if I was still invited in a XXXX XXXX XXXX and after I replied yes I was then transferred to their hr department via XXXX. This is where my interview proceeded. I was on a XXXX chat for an interview. The next day I was offered a job and XXXX. Received an offer letter with the companys logo on it. In this case they posed as XXXX XXXX XXXX XXXX them told by a man named XXXX XXXX that i would be receiving a check from their accountant to purchase work t materials needed to make my work from home station. As soon as the check cleared the next day I was told to make XXXX payments to their vendor for {$1700.00} and {$450.00}. The first payment went through however the bank held the second payment. Then I was told o word be receiving another check for the rest of materials. At this point I already filled out the forms given to me by the XXXX XXXX  to put in my full name,, address, phone number, social security, and other personal info as well. This was XXXX XXXX XXXX XXXX because he said what company would give you XXXX k to make purchases. At this point I had my XXXX XXXX XXXX XXXX XXXX  and sure enough she found out that I have been scammed! I then reached out to this XXXX XXXX to ask him to have the vending please return my XXXX  of XXXX because I didnt need a laptop after all. He replied by saying he didnt understand why I was so insistent on getting a refund because it was the companys money. I then never heard back from him at this point. I tried to say that my second check went through and I was ready to make more purchases from vendors but he never answered. I tried calling him and texted him through XXXX but no reply. I have been scammed!

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 2023-01-13 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: OH

Complaint narrative:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Fraudulent account XXXX XXXX XXXX XXXX XXXX Fraudulent inquiries XXXX XXXX XXXX XXXX date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date of inquiry XXXX XXXX XXXX XXXX XXXX  Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

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 2023-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX and Transunion show reporting dates of XX/XX/. Their info needs to be updated.

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 2023-01-13 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: TN

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13 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:
they DON'T REMOVE NOTHING OR SHOW ANYTHING THATS THE LAW.

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 2023-01-13 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: CITIBANK, N.A.
State: CO

Complaint narrative:
On XXXX XXXX I placed an order with XXXX XXXX I paid {$75.00} extra for overnight shipping. The estimated delivery was XXXX XXXX. On XXXX XXXX I sent XXXX XXXX the below email. 
XXXX ) Where's my order # XXXX? The order was placed XXXX XXXX XXXX XXXXXXXX est delivery XXXX XXXX. I did not pay {$75.00} for overnight shipping to have it arrive the next week. I except a refund on the shipping cost or there will be a charge back with the credit card. 
XXXX XXXX XXXX from XXXX XXXX  responded XXXX ) We are very sorry for not being able to send the order on time. I will make a follow-up today to make this order fulfilled. Kindly wait for the order and we will also provide a partial refund for the shipping cost. You will receive a XXXX XXXX refund for the shipping cost once you received the order. Please accept our sincere apology for the inconvenience. If you have questions about this order, kindly send a response so we can further help you. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX responded XXXX ) Sorry, I am done waiting on you to ship this order. Cancel the order and refund {$380.00} to my credit card. 
On XXXX XXXX Spirts responded XXXX ) Your order # XXXX will be requested to be canceled and refunded the {$380.00}. Kindly give us time as we are currently updating our system. The processing of refunds and cancellations may take time. 
XXXXXXXX XXXX XXXX XXXX I filed a dispute with Citi credit card they gave me a conditional credit, On XXXX XXXX Citi sent me a message stating that the dispute was resolved and the credit was permnament. 
XXXX ) XXXX, XXXX. We're pleased to let you know that your dispute has been resolved- your {$380.00} conditional credit is now permanent. There's nothing else you need to do. 
Citi is now saying the dispute is reopened and it's back to a conditional credit. That dispute should NOT BE REOPENED, I requested to cancel the order the merchant was upgrading their system, that's not my issue. Thank you

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 2023-01-13 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: NC

Complaint narrative:
I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2023-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
THey refuse to remove fraudulent inquires from my file even though i have sent them a police report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: Law Office of Brett M. Borland, P.C.
State: NV

Complaint narrative:
On XX/XX/2023, I contacted the Law Office of Brett M Borland, P.C.Spoke with a person named XXXX at XXXX at extension XXXX. I had asked a bunch of questions because this would be XXXX of XXXX conversations regarding a debt I owed but was never notified of by XXXX at XXXX XXXX. XXXX became extremely upset by my questions and she said " I don't know your living situation, but this will show up on your credit report, and if you try getting into another apartment this will show up. '' I found the entire situation uncalled for and to be told something like that when all I was trying to do was understand, was severely unnerving and made me so much more scared and stressed out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: TN

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: TN

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: TX

Complaint narrative:
On XXXX XXXX XXXX  I visited XXXX XXXX XXXX XXXX in XXXX, TX for treatment and presented my insurance. After treatment, I was sent a bill as my co-pay for about {$280.00} from my Insurance company ; XXXX XXXX XXXX. I paid the bill and assumed my dealings with the situation were over. It was not until I was processing for a federal position recently and a credit check was ran that I was informed of a collection debt of {$980.00} on my credit report, which has brought the process to a halt. I called the agency and found out I was being charged a 'doctor 's bill ' for that same service and after contacting the insurance company and filing a complaint I was told that the bill was submitted past the allowable time and thus, they were not liable to pay it and neither was I. I will attach the correspondence to this complaint. I also found out that the bill was sent to an erroneous address which is why I had no idea about it and it was subsequently forwarded to collections. I tried to get a detailed bill to send to my insurance company but the collection agency ; United Revenue Corp, never sent it despite promising they would. I am suspecting foul play because my insurance company told me the two doctors ' bill were approximately {$14.00} and {$45.00} when they were sent to them past the period. I do not know how the bill could have then ballooned up to {$980.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: OH

Complaint narrative:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Fraudulent account ( XXXX XXXX XXXXXXXX ) Fraudulent inquiries XXXX XXXXXXXX date of inquiry ( XX/XX/2022 ), XXXX  XXXX date of inquiry ( XX/XX/2022 ), XXXX Bank date of inquiry ( 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 2023-01-13 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: IL

Complaint narrative:
Equifax and XXXX show reporting dates of XXXX Their info needs to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am needing the following accounts to be looked at. I have attached a letter with the following accounts that need to be resolved along with my identification and recent utility bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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:
I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2023-01-13 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:
they DON'T REMOVE NOTHING OR SHOW ANYTHING THATS THE LAW.

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 2023-01-13 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:
they DON'T REMOVE NOTHING OR SHOW ANYTHING THATS THE LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I am one of those millions of people who was in Forbearance during Covid 19 struggling to meet ends therefore, I have an outstanding balance of $ XXXX On XX/XX/XXXX, XXXX XXXX ( original lender ) approved the loan modification to reduce my interest rate from XXXX to XXXX. I resume my mortgage payment on XXXX, XXXX with XXXX XXXX XXXX XXXX XXXX I received a letter advising me to approve the loan modification I have to meet the trial period plan. During that time, the services was transferred to XXXX XXXX XXXX and they are the one that collecting payment from me. I met the trial period and they send me the paperwork to sign with prepaid XXXX envelope. Then, late of XXXX XXXX, I received a letter from XXXX XXXX advising me that my services will be transferred to RightPath Services/Nationstar Mortgage . XXXX XXXX XXXX advises me that nothing will be change and that my interest rate will stay at XXXX percent. Rightpath Servicing rejected the modification loan XXXX and escalated it XXXX while collecting my mortgage payment. The person in charged of my modification refused to accept my mortgage payment for XXXX. He can no longer accept payment he said, since my modification is rejected. They mishandled this process from the first time they took over the services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: CA

Complaint narrative:
I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Please update my name to : XXXX XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2023-01-13 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: CA

Complaint narrative:
I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Please update my name to : XXXX XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Please update my name to : XXXX XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

Company response to consumer: Closed with non-monetary relief