vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-22 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:
I have been trying to resolve the unauthorized inquiries from the credit bureaus since XX/XX/XXXX. I have requested full validation and asked the credit bureaus to send me proof such as my signed authorization permitting the inquiries. They have not provided. All I get back from the credit is that my credit report is " update and as factual ''. How is this proof? I need proof as these inquiries were not authorized by me. 

Here are the unauthorized inquiries in question : 1. maha XXXX Inquiry from XX/XX/XXXX XXXX 2. XXXX XXXX Inquiry from XX/XX/XXXX XXXX 3. XXXX Inquiry from XX/XX/XXXX Bank 4. XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX 5. XXXX Inquiry from 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 explanation
Consumer complaint received 2021-10-22 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:
I have been trying to resolve the unauthorized inquiries from the credit bureaus since XX/XX/XXXX. I have requested full validation and asked the credit bureaus to send me proof such as my signed authorization permitting the inquiries. They have not provided. All I get back from the credit is that my credit report is " update and as factual ''. How is this proof? I need proof as these inquiries were not authorized by me. 

Here are the unauthorized inquiries in question : 1. maha XXXX Inquiry from XX/XX/XXXX XXXX XXXX. XXXX XXXX Inquiry from XX/XX/XXXX XXXX 3. XXXX Inquiry from XX/XX/XXXX Bank 4. XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX 5. XXXX Inquiry from XXXX XXXX, XXXX Finance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on SYNCB/CARECR. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2021-10-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been trying to resolve the unauthorized inquiries from the credit bureaus since XX/XX/XXXX. I have requested full validation and asked the credit bureaus to send me proof such as my signed authorization permitting the inquiries. They have not provided. All I get back from the credit is that my credit report is " update and as factual ''. How is this proof? I need proof as these inquiries were not authorized by me. 

Here are the unauthorized inquiries in question : 1. XXXX XXXX Inquiry from XX/XX/XXXX Finance 2. XXXX XXXX Inquiry from XX/XX/XXXX XXXX 3. XXXX Inquiry from XX/XX/XXXX Bank 4. XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX 5. XXXX Inquiry from XXXX XXXX, XXXX Finance

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 2021-10-22 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 — Investigation took more than 30 days
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I had a car loan with GM Financial, I sent the payoff check # XXXX CHK # XXXX in the amount of {$17000.00} in XXXX. The payment was received by XXXX XXXX who is a GM Financial employee on XX/XX/XXXX. The company misplaced the check and placed a 30-day late payment on my credit report. I sent a letter asking them to update the late payment and they closed the account with a 30-day late payment. I have the emails and transaction numbers with proof of the mishandling of the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: OK

Complaint narrative:
On XX/XX/2021, I reached out to Experian to remove addresses that did not belong to me from my credit report. The information is still on my credit stated credit report and therefore represents my information inaccurately. 

Further stating that the post office will not be able to deliver to inaccurate addresses per Fair Credit Reporting Act since they are not accurate. Reference XXXX XXXX The response to my concerns was that the information was removed but through further investigation of recent credit reports it appears that the addresses were not removed.

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 2021-10-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: AL

Complaint narrative:
I have no knowledge of this company or alleged debt. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. I don't not have a contract with this company and Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. 



Where is my signed HIPPA form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I received mail with promotion from Bank of America. On XX/XX/XXXX I have appointment with bank associate XXXX XXXX at bank branch on XXXX XXXX XXXX. She opened me new checking account and told me promotion requirement for receiving bonus : " deposit {$50000.00} in first 30 days and keep it next 60 days. She told me I will receive {$500.00} bonus in 90 days after completing 60 days deposit period. I deposit full amount on XX/XX/XXXX and withdraw on XX/XX/XXXX. I did not receive bonus.

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 2021-10-22 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I had a car loan with XXXX XXXX, I sent the payoff check # XXXX CHK # XXXX in the amount of {$17000.00} in XXXX. The payment was received by XXXX XXXX who is a XXXX XXXX employee on XX/XX/XXXX. The company misplaced the check and placed a 30-day late payment on my credit report. I sent a letter asking them to update the late payment and they closed the account with a 30-day late payment. I have the emails and transaction numbers with proof of the mishandling of the payment.

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 2021-10-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
I was affected by the covid pandemic and applied for forbearance. Once the forbearance period ended, Mr. Cooper offered me a loan modification agreement ( HAMP ). My original loan amount was {$420000.00} in XX/XX/XXXX and my unpaid loan amount was {$400000.00} when the forbearance started. I now received a modification that it is to be in effect in XX/XX/XXXX with a balance of {$440000.00} and extended by 4 years until XXXX/XXXX/XXXX, instead of XXXX/XXXX/XXXX. My rate was decreased by 0.5 % and is offered now at 3.25 %. In addition to that I was requested to pay a monthly escrow of {$1000.00} plus XXXX in a 60 month period. In sum : 1 nowhere in the modification they sent me there is a CLEAR AMOUNT showing what I will pay monthly. 2- My loan of $ XXXX jumped to {$440.00} K in one year- which is XXXX more than before the forbearance, which is they are charging {$2.00} a month for late fees plus 3 years more of payments ( XXXX more in payments ). I am not financial expert but this is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
I called the company many times, and tell them to fix the amount on my current balance because is inaccurate and incorrect. It shows on my credit report as {$1200.00} and I only owe {$360.00} they said they cant do it, with our giving me an explanation. 
On XX/XX/2021 I submitted a dispute with XXXX and I was notified that the company states that information on balance in accurate. 
Today is XX/XX/2021, They are not correct and they are giving me a lot of problems because is damaging my credit score with false information.

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 2021-10-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been trying to resolve the unauthorized inquiries from the credit bureaus since XX/XX/XXXX. I have requested full validation and asked the credit bureaus to send me proof such as my signed authorization permitting the inquiries. They have not provided. All I get back from the credit is that my credit report is " update and as factual ''. How is this proof? I need proof as these inquiries were not authorized by me. Here are the unauthorized inquiries in question : 1. XXXX  XXXX  Auto Financing Companies Inquiry date : XXXX XXXX, XXXX 2. XXXX XXXX XXXX Auto Financing Companies Inquiry date : XXXX XXXX, XXXX 3. XXXX XXXX AUTO FIN Auto Financing Companies Inquiry date : XXXX XXXX, XXXX 4. XXXX XXXX Auto Financing Companies Inquiry date : XXXX XXXX, XXXX 5. XXXX XXXX All Banks- non specific Inquiry date : XX/XX/2020 2020

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 2021-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/2021 around XXXX i tried to use my cell phone but it did not dial out. I called my cell phone company T mobile and they told me that someone transfered my phone number to Metro Pc wireless phone company. T mobile Supervisor conntected Metro Pc and explaind to them that my number was hacked and transferred to them without my authorization. T mobile was able to retrieve my phone number from Matro pc aer 2 hours and reactivated my number XXXX once again. Right aer that happened i could not sign in to my yahoo email, my Coinbase investment account or Binance us investment account. I contacty yahoo and they did reset my password. I tried to call Coinbase and XXXX but they do not have customer service phone numbers. I did search this companies emails and sent them emails letting them that someone hacked my cell number and i am not able to sign in and requested that they freeze my accounts and not to accept any transactions. Coinbase and XXXX investment were very slow to act and took time responding to my emails. On XX/XX/2021 i called XXXX and XXXX bank and found out that there is unauthorized transactions from Coinbase and from XXXX XXXX. XXXX and XXXX is conducting investigations. On XX/XX/2021 found more unauthorized transactions at XXXX bank by Coinbase and by XXXX. 
I been sending several emails to Coinbase asking them to refund my money but they refused and they keep sending me emails that the case is closed and final.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PlusFour, Inc
State: NV

Complaint narrative:
I was sent a collection letter by PlusFour collection agency. I was given 30 days to respond in a dispute letter requesting proof of validation. I sent the letter via priority us mail wuth a signature required to verify the letter was received. My dispute letter was refused to the postman by Plus Four collection agency and returned to me. I have a copy of the receipt and a picture of the refusal by the tracking number. I assume this is a tactic they are using to say I didn't respond in a 30 day period so they can put this derogatory collection on my credit report. I believe this to be an illegal tactic. Pleae investigate. The account number they opened on me is XXXX. Their address is XXXX XXXX XXXX XXXX XXXX XXXX. XXXX NV. XXXX XXXX. My email is XXXX and my phone number is 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 explanation
Consumer complaint received 2021-10-22 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX, XXXX, and XXXX Credit Bureaus are reporting inaccurate information on SYNCBXXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

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 2021-10-22 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:
I have been trying to resolve the unauthorized inquiries from the credit bureaus since XX/XX/XXXX. I have requested full validation and asked the credit bureaus to send me proof such as my signed authorization permitting the inquiries. They have not provided. All I get back from the credit is that my credit report is " update and as factual ''. How is this proof? I need proof as these inquiries were not authorized by me. Here are the unauthorized inquiries in question : 1. XXXX XXXX  Auto Financing Companies Inquiry date : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Auto Financing Companies Inquiry date : XXXX XXXX, XXXX 3. XXXX XXXX AUTO FIN Auto Financing Companies Inquiry date : XXXX XXXX, XXXX 4. XXXX XXXX Auto Financing Companies Inquiry date : XXXX XXXX, XXXX 5. XXXX XXXX XXXX Banks- non specific Inquiry date : XX/XX/XXXX 2020

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 2021-10-22 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:
I have been trying to resolve the unauthorized inquiries from the credit bureaus since XX/XX/XXXX. I have requested full validation and asked the credit bureaus to send me proof such as my signed authorization permitting the inquiries. They have not provided. All I get back from the credit is that my credit report is " update and as factual ''. How is this proof? I need proof as these inquiries were not authorized by me. Here are the unauthorized inquiries in question : 1. XXXX  XXXX  Auto Financing Companies Inquiry date : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Auto Financing Companies Inquiry date : XXXX XXXX, XXXX 3. XXXX XXXX AUTO FIN Auto Financing Companies Inquiry date : XXXX XXXX, XXXX 4. XXXX XXXX Auto Financing Companies Inquiry date : XXXX XXXX, XXXX 5. XXXX XXXX XXXX Banks- non specific Inquiry date : XX/XX/XXXX 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
I have no knowledge of this company or alleged debt. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. I don't not have a contract with this company and Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Where is my signed HIPPA form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: ND

Complaint narrative:
It has been well over three weeks and the PNC BANK has not given me a reason as to why I can not access my funds. Every time I call to find out what is going on they say my account is under review and that they will call me within 24 hours which they never do. At which point I call again to get the same response over and over. They will not even allow me to close my account. When ever I call no one knows what is going on and they claim not to be able to see it or be able to give me a reason. I have called numerous amount of times both before and after the BBVA and PNC Bank merger and neither banks have been able to provide proper care.

Company response to consumer: Closed with monetary relief