vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/2021 XXXX Birthday XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  & Trans Union I was looking over my credit report today and found a bankruptcy which should not be on my account. I would like you to investigate and verify the following bankruptcies, or promptly remove them from my credit report : None of my account are in BK. This is my final request to remove this unknown two BK XXXX and XXXX Chapter XXXX XXXX Chapter XXXX XXXX The court informed me that they do not provide anyone with a debtors full social security number, and they do not provide ANY credit bureau ANY information relating to any bankruptcy cases. I have included a copy of the response from the courthouse for your reference. It is quite clear that someone from XXXX  & Trans Union lied about verifying this bankruptcy with the courthouse. That is a violation of the Fair Credit Reporting Act ( FCRA ). 




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 2021-07-22 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: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX XXXX took from my account XXXX fraud. I deactivated my account and was still receiving their emails. Accidentally I clicked on it and automatically deactivated it. I tried being as understanding with them and I find it very incorrect on how they work. Today XX/XX/2021 I still get their leads although my account is deactivated meaning if I do the same accidently they will charge me again. I never worked or will ever work with this company. They are very illegal going into my account and taking money for no reason. I have attached proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY

Complaint narrative:
unauthorized use of my credit report. direct hippa violation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
unauthorized use of my credit report. direct hippa violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: PA

Complaint narrative:
Dear CFPB : Thank you for the opportunity to exercise my rights under the Fair Credit Reporting Act ( Section 609 ) to dispute erroneous items in my credit file. Hence, I am submitting a dispute for the fraudulent XXXX XXXX account on my XXXX  Credit Report. Credit Corp Solutions is the collection agency attempting to collect this debt. 

REASON : The reported account in the amount of {$1200.00} is unverifiable and not mine. 

I have attempted to resolve this matter with the collection agency without success. I also placed this fraudulent account in Dispute with XXXX  on XX/XX/2021 and XX/XX/2021. At that time, I requested a " fraud alert '' be placed on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had booked an XXXX for a XXXX XXXX trip from XX/XX/XXXX to XX/XX/2020. Our room had an unbearable smoking smell as if someone had been smoking packs of cigarettes in the room. I was pregnant and had two elderly people with me, otherwise I wouldnt have mind and just sucked it up. We had told the employees about the situation and they had agreed it smelled like cigarettes and that the manager will be there the following morning and they will switch our rooms. We arrived in XXXX  around XXXX XXXX. The next morning, the manager refused to switch our room and kept saying there was no smell but cigarette smell is strong and it lingers. She had stated we had to pay {$400.00} CASH if we wanted a new room. They had also required cash deposit and daily hotel fee in cash, as well. The manager was inconsiderate and very rude. There is also many reviews that the hotel steals peoples deposits. We ended up that morning after the interaction with the manager and had booked another hotel. XXXX said they would help me after constantly putting me on hold and hanging up on me. Their customer service is beyond horrible. 

Attached are proof that we had to book another hotel the next day and a few messages. She had said lies and said we had ruined her walls and ruined the room, which is why she is not giving our money back. Why would we do that? This was my birthday trip with my family and I was on my XXXX XXXX of XXXX. This was the worst hotel with the worst manager. The whole place was sketchy with wanting only cash transactions.

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 2021-07-22 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2021-07-22 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2021-07-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I've already filed a complaint [ XXXX-XXXX  ] that the company basically shrugged off. They have me signed up for their automated payment plan. It's a no touch plan that they alone are in total control of. Despite this fact, they continue to mismanage the payment process and blame me for their own incompetence. After essentially denying my complaint, I finally got someone at the company to realize that I was, in fact, right and the company issued a credit bureau retraction letter ; however, they're back to mismanaging my account and I don't have control over it, per se, because they are handling it on a totally automated basis. I need CFPB 's intervention at this point because the company is clearly incompetent -- both in the handling of my account and in the investigation of my complaint -- and its doing damage to my credit and my piece of mind. 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 non-monetary relief
Consumer complaint received 2021-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent TransUnion and XXXX  letters and a copy of my police report stating that my social security number was compromised and I am a victim of identity theft. My identity was stolen by XXXX XXXX XXXX who is currently behind bars. I sent the letters over a month ago certified mail. The tracking number for my XXXX  letter is XXXX. It shows XXXX  received my letter and police report XX/XX/XXXX. The tracking number for my TransUnion letter is XXXX. It shows TransUnion received my letter and police report XX/XX/XXXX. The tracking numbers are through USPS. Its been over 30 days and XXXX and TransUnion has yet to block these accounts from my report which is stated in the FCRA 605B that a consumer reporting agency shall block reporting of any information in the file of the consumer that the consumer identifies as identity theft. XXXX  and TransUnion has yet to do this which is a violation of my consumer rights. The man who stole my identity tried to apply for a lot of credit in my name which resulted in me having over 50 inquiries on my TransUnion report and over 90 inquiries on my XXXX  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 2021-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Someone stole my identity and opened many accounts without my permission or authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Well I use to have a XXXX XXXX card however the company closed. However about an year and a half ago I go really behind so I set up a payment arrangement through the company where they would take out so such money from my account which they did for a whole year tell my account was at XXXX. The payments were to be removed by ACH. With the company closing I tried to utilize the XXXX dollar balance that was available however all the stores had close 3 days before what was weird is I had an available line of credit of XXXX at that time I owed nothing then Comedity bank started calling threatening me that I owed them money nevertheless the had been taken money out of my account by ACH every month. It's not my fault that they failed to uphold the negotiated arrangements. This has had an adverse impact on my credit I have called them and spoke to them about this matter several times but they have been very unprofessional and refused to look into fixing there own mistakes. It is very unfair because you can't actually log on to the XXXX XXXX  app. That would verify the amounts but there is a break down prior to the company closing and the bank that finances there credit cards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent XXXX  and Equifax letters and a copy of my police report stating that my social security number was compromised and I am a victim of identity theft. My identity was stolen by XXXX XXXX XXXX who is currently behind bars. I sent the letters over a month ago certified mail. The tracking number for my Equifax letter is XXXX. It shows Equifax received my letter and police report XX/XX/XXXX. The tracking number for my XXXX  letter is XXXX. It shows XXXX  received my letter and police report XX/XX/XXXX. The tracking numbers are through USPS. Its been over 30 days and Equifax and XXXX  has yet to block these accounts from my report which is stated in the FCRA 605B that a consumer reporting agency shall block reporting of any information in the file of the consumer that the consumer identifies as identity theft. Equifax and XXXX  has yet to do this which is a violation of my consumer rights. The man who stole my identity tried to apply for a lot of credit in my name which resulted in me having over 50 inquiries on my XXXX  report and over 90 inquiries on my Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
COMPANY - VENMO LOCKED MY ACCOUNT ON XX/XX/2021 AFTER I SUBMITTED A TRANSFER OF {$1000.00} TO MY BANK ACCOUNT. 

THEY HAVE BEEN GIVING ME THE RUN AROUND FOR WEEKS. AND NOW THEY ARE NO LONGER RESPONDING TO MY EMAILS. I HAVE BILLS TO PAY AND THAT IS A LOT OF MONEY FOR THEM TO JUST STEAL FROM ME WITHOUT ANY CONTACT. 


CASE ID # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ULRS, Inc.
State: CA

Complaint narrative:
Someone stole my identity and opened many accounts without my permission or authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hello cfpb : I dispute an account showing on my credit bureaus and Capital One Bank refused to remove the account from my credit files. I have done everything there is under FCRA but no response from them and I was told they sold the account does not belong to me to a attorney and the attorney file sue on me. capital One insist it is my account and refuses to give me any proof the account should be in dispute status and showing documentation the account belong to me a they are claiming it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
FIFTH THIRD BANK CLOSED MY ACCOUNT THAT I OPENED BACK ON XXXX XXXX 2017 I DO NOT HAVE THE SPECIFIC DATE ON WHEN IT WAS CLOSED. BUT IT WAS CLOSED DUE TO SOMEONE LOGGING INTO MY ACCOUNT DUE TO A SCAM. NOT SURE WHY THEY CLOSED MY ACCOUNT WHEN THEY COULD HAVE JUST CHANGED MY PASSWORD. 

BUT THIS HAS CAUSED MY ACCOUNT TO BE DELINQUENT AND HAVE A NEGATIVE EFFECT ON MY CREDIT SCORE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
the following inquiries are not associated to me or any accounts on my consumer report and is against fdcpa and has been and infringement against my rights and has caused emotional distress upon me as a consumer with your company abusing my rights using unfair debt collection practices against me remove these inquiries asap the following inquiries are false and misleading and against laws 15 USC 1692 D XXXX XXXX  Inquiry from XX/XX/2020 Credit Union XXXX Inquiry from 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 2021-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
the following inquiries are not associated to me or any accounts on my consumer report and is against fdcpa and has been and infringement against my rights and has caused emotional distress upon me as a consumer with your company abusing my rights using unfair debt collection practices against me remove these inquiries asap the following inquiries are false and misleading and against laws 15 USC 1692 D XXXX XXXX  Inquiry from XX/XX/2020 Credit Union XXXX  Inquiry from 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 2021-07-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
This company has been harrassing friends, family members and past employers. with fraudulent, ridiculous amounts owed on a title loan that was took out XX/XX/XXXX for the amount of {$2600.00} and with inflation and falsely reporting it's now saying owed is XXXX on all three credit bureaus, but this company reportedly closed and charged off {$2600.00}, they also charged off due to a national disaster. in another report. This company has fraudulent written all over it. XX/XX/XXXX this company hired an attorney to dispatch a processor to serve unknown papers to a past employer, this person came to the job serval times, and each time was rude and aggressive. with no luck at serving unknown documents the person threw the documents in the building and yelled you been served. This company is XXXX XXXX a.k.a wheels Financial XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a few concerns about inquiries on my credit report. Is it true that in order to pull someones credit report you need permissible purpose to do so? If that is the case, then why did the company below pull my credit report without my authorization?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX, Equifax and XXXX  are reporting 4 derogatory accounts 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 5th dispute letters to Equifax, XXXX  and XXXX  since XXXX XXXX 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 2021-07-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I feel Wells Fargo violated the Short Sale agreement

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 2021-07-22 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: FC HoldCo LLC
State: TX

Complaint narrative:
They have not responded in timely manner. They also are in violation under the FCRA for verifying this debt as mine without proper validation. They have not provided wet signature

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 2021-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
this account is not reporting correctly. this needs to be removed from my report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation