vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-19 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 filed a police report with our local police department, case number XXXX, in regards to XXXX XXXX XXXX XXXX, and XXXX XXXX accounts that do not belong to me. I disputed these accounts with XXXX Transunion and XXXX  and also provided them with the police report. 

After their investigation, XXXX  Transunion, and XXXX refused to remove these accounts. Yesterday, I contacted XXXX fraud department who agreed that these accounts did not belong to me. XXXX  fraud department can be reached at XXXX XXXX XXXX XXXX XXXX. ( I spoke with XXXX XXXX. 

On a hunch, I decided to look at my husbands credit report, and bankruptcy creditor list from a few years ago and found his old XXXX  XXXX account listed on my credit report, I have never been a joint account holder on my husbands XXXX  XXXX, or XXXX  XXXX accounts. 

As of now, I do have an active XXXX XXXX credit card. The other charged off XXXX XXXX accounts do not belong to me which doesnt make sense that XXXX XXXX would issue me a credit card if I had recently charged off to previous credit accounts. 

Bottom line, XXXX  Transunion, and XXXX are not investigating which has hurt my family and I financially in regards to being denied credit or better interest rates.

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 2021-05-19 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
To Whom It May Concern : I formally request that the following inaccurate items be immediately. 
REMOVED I have provided you all document of the illegality. 
OF THESE FRAUDELENT ACCOUNT ADS/COMENITY/ZALES # 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 response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
On XX/XX/XXXX I deposited a check into my account at the Bank of America at XXXX XXXX XXXX in XXXX Colorado. The check was for {$3200.00} and I was told at the time of deposit that that the funds would be available the next day. However the next morning I received an email from Bank of America stating that they were withholding funds until XX/XX/XXXX because there was suspicion that the item would be returned. I found out later that day that the email contained a lie. I came to this discovery because I called the gentleman who wrote me the check and ask him to put a stop payment on the check and write me another check. When this gentleman called XXXX Bank to put a stop payment on the check he was informed that he would not be able to put a stop payment on the check because it had already cleared the night before. I am in a awful situation because I'm under contract to start this gentleman 's job tomorrow morning on XX/XX/XXXX and I have no money to start it with and Bank of America holding my money and will not release it under any circumstances I spent the entire day on the phone with customer service reps at Bank of America. With no resolve I've also emailed mr. XXXX as well as some other lady named XXXX XXXX at Bank of America asking for their help I have yet to hear back from them please help 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 monetary relief
Consumer complaint received 2021-05-19 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: FL

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: AL

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later i have not received a response yet. I feel like i am being taken advantage of and i am being ignored of my dispute section 611 ( a ), it is plainly stated that a failure to investigate these within 30 days give a reason to immediately remove these items from my credit report it has been over 60 days, so they should be deleted promptly i demand these accounts be delete it immediately or i will file for litigation due to the stress you caused me. My information was also impacted by equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XXXX my card was used to take money out without my authorization in XXXX, FL and an amount of {$100.00} was taken from an ATM. I contacted Wells Fargo and they refunded me the $ XXXXThe bank turned my card off and issued me a new card. 

On XXXX my card was used to take money out without my authorization in XXXX, FL at the same ATM for {$100.00} again. I called the bank to report fraud again. Initially they refunded me the {$100.00}, but then reversed it. Wells Fargo turned my card off once again and issued me a new card. 

On XXXX my card was used again at the same place for the same amount. I called my bank once again, but they informed me that they will not do anything about it because they informed me that they completed their research and based on the information available to them, they believe it was made by someone with my permission. They closed my claim without refunding me the money that was stolen from my account. 

For every occasion, my card was in my physical possession. I told the bank this as well, but they did nothing with the information I provided and now I am out $ XXXX.I believe all ATM 's have surveillance, so I am not sure why they would not check cameras. I have requested all documents from my bank in regards to this 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 explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
I had an account with XXXX in XXXX and it was closed. A Company by the name of Waypoint Resources, whom Ive never had an account with has added an account to my credit report with a date of XXXX. I have never had an account with with Waypoint Resources and they refuse to remove this account from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Complete Credit Solutions, Inc.
State: TX

Complaint narrative:
These inaccurate accounts are unjustified. I need immediate deletion of these unverified allegations to meet standards of the FCRA. Any and all of the aspects of alleged account information must be documented to be proven of my responsibility to be adequate and within compliance to properly and fair reporting according to the FCRA. 

If you are unable to provide me with any copies of verifiable proof justifying the reportability of any derogatory account reporting within 15 days by challenging compliance of the FCRA reporting procedures to be 100 % accurate and complete, then you must delete all accounts of illegal and dishonest procedures bases on the assumption of this misleading information reporting on my credit file. 


COMPLETE CREDIT SOLUTION - XXXX Not my account COMPLETE CREDIT SOLUTION - XXXX Not my 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 2021-05-19 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: EQUIFAX, INC.
State: NY

Complaint narrative:
There is an incorrect past address on my Equifax credit report. 

I tried to alert them to this by clicking on the appropriate web page link, but the link did not work. They did not include a phone number to call to correct the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: WI

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later i have not received a response yet. I feel like i am being taken advantage of and i am being ignored of my dispute section 611 ( a ), it is plainly stated that a failure to investigate these within 30 days give a reason to immediately remove these items from my credit report it has been over 60 days, so they should be deleted promptly i demand these accounts be delete it immediately or i will file for litigation due to the stress you caused me. My information was also impacted by equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
I have contacted original devt holder disputing this charge however attempts to collect continue so I want to offer XXXX to settle debt and have company update with credit reporting bureaus to prevent financial problems due to my financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: MD

Complaint narrative:
On several occasions I have disputed the Chapter XXXX and Chapter XXXX on my credit report. I submitted another letter dated XX/XX/XXXX requesting TransUnion to verify to whom they spoke with and date and time to verify this entry on my report. They sent to responses stating that it came back Verified one dated for XX/XX/XXXX and the other dated XX/XX/XXXX. 
However I have a memo from the United States Bankruptcy Court of District of Maryland, Office of the Clerk dated XX/XX/XXXX which states in the first paragraph that the US Bankruptcy Court is not responsible for verifying or validating information from consumers ' credit files. TransUnion still has not adhered to the rules and procedures of the FCRA. T

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 2021-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I NEED MY MONEY STILL I SENT A WIRE ON XX/XX/2021 FROM XXXX TO CITIBANK in THE AMOUNT OF {$4500.00} AND IT IS STILL FROZEN. LACK OF COMMUNICATION THE CONSUMER WAS NOT NOTIFIED UNTIL SUNDAY XX/XX/XXXX STILL INCONSITENT INFORMATION AND MONEY NOT RETURNED OR TRANSMITTED IM GOING TO SUE XXXX XXXX XXXX OF SANCTIONS INVESTIGATIONS XXXX XXXX XXXX OF COMPLIANCE AND THEIR CEO. 

EXPECT A LAWSUIT FROM THIS XXXX XXXX I SPOKE WITH XXXX THE WIRE SUPERVISOR AT CITIBANK EMPLOYEE ID XXXX AND SHE TOLD ME ON XX/XX/2021 THAT CITIBANK IS STILL WAITING ON INFORMATION FROM XXXX. XXXX XXXX ANOTHER WIRE SUPERVISOR STATED THE MONEY WAS RETURNED TO CHASE ON XX/XX/XXXX. ( THIS IS INCORRECT A LIE WHATEVER YOU CALL IT ) XXXX STATES SHE IS WAITING ON CHASE TO SEND THEM ADDITIONAL INFORMATION ALTHOUGH XXXX SAID ADDITIONAL INFORMATION WAS SENT AND ANOTHER XXXX REPRESENTATIVE FROM EXECUTIVE MANAGEMENT NAMED XXXX TOLD ME I NEEDED TO REACH OUT TO CITIBANK AND GIVE THEM THE INFORMATION THEY ARE REQUESTING BUT XXXX WIRE EMAILED ME TOLD ME THEY GAVE IT TO THEM AND CITI STATES TO ME TO ASK THEM TO SEND IT THAT THEY MUST SEND IT. 

WHAT RIGHTS DO I HAVE? NONE ITS EVIDENT IM JUST A SLAVE XXXX XXXX WHO IS HAS NO RIGHTS IN THE UNITED STATES. I SERVED THIS COUNTRY HONORABLE IN THE XXXX XXXX AND THIS IS TRUE XXXX IN ITS FINEST FORM. 

I MEAN THIS FROM THE BOTTOM OF MY HEART CITIBANK XXXX 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 2021-05-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX, XXXX and TransUnion are reporting 1 derogatory account on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to XXXX, XXXX and TransUnion since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates 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 2021-05-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, Equifax and XXXX are reporting 1 derogatory account on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX and XXXX since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX had noted that our home equity was paid off and that they were going to send the satisfaction of lien to my county records department. As of XX/XX/XXXX this still has not happened and Im yet again told to wait another 10 weeks for the lien release to be recorded. They have screwed me out of refinancing at an extremely low interest rate not once but twice. I am frustrated. I would also like to note that Dovenmuehle Mortgage services the loans for XXXX XXXX XXXX so I was told yesterday from XXXX that since the loan is paid off they dont deal with the account anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TN

Complaint narrative:
XX/XX/XXXX To Whom it May Concern : On the morning of XX/XX/XXXX, I was informed by my mother that Fair Collections and Outsourcing ( FCO ) was trying to reach myself or my wife to collect a debt. The debt in question came from XXXX XXXX. We had previously rented a home from XXXX of XXXX through XXXX of XXXX. We have since bought and sold a home in XXXX and moved to XXXXXXXX XXXX  and have not had any correspondence with XXXX XXXX since XXXX of XXXX. 
We received a certified letter within the legally required 21 days claiming excessive damages, to which we disputed via certified letter and emails to the local office. We never heard back from XXXX XXXX after our dispute, not an email, not a single phone call, not a single letter. 
Given the time we moved out, we were flat out denied a move out inspection, citing an abundance of caution due to the COVID-19 pandemic. We raised our concerns about not having a move out inspection, yet they fell on deaf ears, as the standard COVID-19 excuse seemed to justify their actions. 
FCO now claims, that I owe a {$760.00} in damages, and the burden of proof lies with me and will not provide me documentation until they inform XXXX XXXX that we are disputing the charges. XXXX XXXX will then conduct an investigation on the dispute by revisiting the home in question. A home that my family has not lived in since XXXX of XXXX, a home that received new occupants in XXXX of XXXX. Further, FCO refuses to provide access to any documentation pertaining to the debt collection until XXXX XXXX approves the request.

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 2021-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SIMM Associates, Inc.
State: MO

Complaint narrative:
Repeated calling about a " business matter. '' Would not give me any information until they collected my name, address, email, social security number, and " confirmed my bank account information. '' They called themselves SIMM Associates. A quick search online brought up multiple accounts of scams from others describing the same experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: WA

Complaint narrative:
On XX/XX/2021, I got an email from Trident Asset Management that they were trying to collect approximately {$96.00} XXXX and change XXXX from a debt I had with XXXX. I called XXXX and I was told there is no debt. I used XXXX maybe 5 years ago. I checked my credit report and Trident Asset Management put it on my credit report. Please fix this for me. thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX is reporting a debt owed on my credit reports, however I have never had an dealing with them and do not owe them money. I have tried contacting with no response. I have not received any written communication. I want this removed from my credit report immediately. they have no business with me, and I refuse to deal with them any further. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion, XXXX, and XXXX continues to report an account without my consent. According to USC 1681 ( b ) a consumer reporting agency can only furnish something in accordance with the written instruction of the consumer to whom it relates. 
XXXX. XXXX XXXX XX/XX/19

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