vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-16 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: NY

Complaint narrative:
I am writing because I have submitted multiple request to Transunion, XXXX, and XXXX about a bankruptcy on my credit report. Unfortunately, they have yet to assist with removing this inaccurate information. The bankruptcy on my credit report is showing an unknown case number and they all differ from each other with every bureau. The filing date is also incorrect across all three bureaus. The closing date is also showing differently across all three bureaus. My name is not correct on any bankruptcy filings either.

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 2021-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ATG Credit, LLC
State: IL

Complaint narrative:
ATG, collected on a debt that was stated sent to them by XXXX XXXX XXXX on a debt that was not owed, ATG verified the account number listed on attached check account number being XXXX, ATG ststed they tried to contact me by email and phone they did not the debt was from XXXX I did not receive anything from them and on XXXX XXXX and it was put on my credit on XXXX XXXX the strange thing about this is there is no way to verify the debt recently the debt or all debt from XXXX XXXX was transferred to ATG this has happened recently, in XX/XX/XXXX i have spoken to XXXX XXXX  and they verified the only amount owed was see attached XXXX, there phone number leaves a recording to contact Atg, i contacted XXXX  XXXX XXXX who ordered the services who also stated i had no debt owed or they did not see anything owed to them from XXXX, still not being able to verify i had to pay the debt to ATG again,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing because I have submitted multiple request to XXXX, Equifax, and XXXX about a bankruptcy on my credit report. Unfortunately, they have yet to assist with removing this inaccurate information. The bankruptcy on my credit report is showing an unknown case number and they all differ from each other with every bureau. The filing date is also incorrect across all three bureaus. The closing date is also showing differently across all three bureaus. My name is not correct on any bankruptcy filings either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing because I have submitted multiple request to XXXX, XXXX, and Experian about a bankruptcy on my credit report. Unfortunately, they have yet to assist with removing this inaccurate information. The bankruptcy on my credit report is showing an unknown case number and they all differ from each other with every bureau. The filing date is also incorrect across all three bureaus. The closing date is also showing differently across all three bureaus. My name is not correct on any bankruptcy filings either.

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 2021-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
After viewing my credit report I have notice this third party agency is listed on my credit report. I have not signed a contract with this agency nor have I given them any permissible written instructions to furnish an account for me, this account is in fact fraudulent.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I AM INVOKING MY SPECIFIED REMEDY AS THE ORIGINAL CREDITOR AND A CONSUMER. I have done several disputes with Experian with regards to the following accounts : XXXX XXXX XXXX ; Date Opened : XX/XX/XXXX ; XXXX XXXX ; Date Opened : XX/XX/XXXX ; XXXX. XXXX, XXXX ; Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX ; Date Opened : XX/XX/XXXX. These transactions should be removed from my consumer report pursuant to 15 U.S.C. 1681a ( 2 ( b ) ). I am demanding that Experian removes these transactions from my report immediately as it is a violation of my rights as a federally protected consumer under Title 15 Chapter 41. They are also in violation of federal law 15 U.S.C. 1681b ( 2 ). I never gave them written instructions to reflect any of these accounts to my consumer report. With that being said, it is identity theft. I need this problem resolved as soon as possible as this is a negative reflection to my consumer report. Experain received all documents and supporting evidence of my complaint through the mail on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Bank of America is stealing money from me they are bringing up claims that were deem permanent and they are also trying to make decisions based on claims that were way pass the 90 day period of hey are trying to stick me with a XXXX claim then came with a XXXX response as to why they denied it the other one all day the same except one and a half and thats another thing how can yall approve held a claim this bank is stealing money in every way possible then the complaint specialicapls ke to ask me to stop calllimg so much but you guys are holding my ki in my are u XXXX t my child needs her medication plus more they dont care but understand that this is my family and I will fight until the the day they take every penny out this bank and shut it down because this os unacceptable they let people steal from me then send me through XXXX then made sure that they did dont giver my temporary credits then the claim that they approved went to the negative balance someone is doing a inside job at Bank of America because how was anyone able to teller withdraw my account make that make sens Bank of America HOW I WANT MY MONEY BACK AMD THE SIMPLE FACT THAT YOU GUYS ARE BEING SUED FOR MONEY LAUNDERING AMD HELPING SOMEONE SCAM MILLIONS TELLS ME ALOT ON TOP OF THE OTHER ISSUES Customers ARE FACING BECAUSE THIS BANK NEEDS TO BE INVESTIGATED OR SHUT DOWN MY FAMILY IS MY LIFE AND IM READY FOR WAR BEHIND THE PAIN YOU CAUSED ME AND MY FAMULY FET READY BECAUSE IM MAKING 10 stops f these today yall stole from the wrong woman then they duplicated claims added someone elses information to my account then they just made adjustments to my account but wen I talk to the rep they says I was denied but Im tellin her Im seeing activity in my account the credited me once and debited twice this is not ok Im in the negative because they dont know how to do their job and doing malicious things to people like me then making me suffer behind their games

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 2021-12-16 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: VA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16 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: IL

Complaint narrative:
I, the consumer, have identified multiple unauthorized inquiries with either open, closed, or no accounts. Whenever I call TransUnion, XXXX, or XXXX about this issue I am told that the inquires are accurate ( when they are not ) and I should add an identity theft ( which I do not want ) alert on my credit profile. TransUnion, XXXX, or XXXX can not furnish factual or nonfactual information that is a result from a transaction that arose from my credit card. First, I, the original creditor and consumer can verify what is and what is not accurate. I never gave TransUnion, XXXX, or XXXX the authority or permission to furnish or update a credit report on my behalf. They did not inform me with me first about any of the inquires or updates before verifying that it is mine. This has been going on for almost 2 years and I am extremely tired of this. I submitted an identity theft report several times and still being taken advantage of TransUnion, XXXX, and XXXX credit reporting agencies. I am a natural human being and I have more power and rights that any person who consider themselves a business or organization. TransUnion, XXXX, or XXXX are criminally and civilly liable for reporting inaccurate inquires.

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 2021-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Hello I am writing because after I have tried to resolve this issue with my bank they came back and said that charges were not fraudulent because the company was able to give them my name, address, and email address? This is public information in which has me highly confused! I have lost over {$2000.00} in XXXX due to me losing my handbag, in which my phone was in, my debit and credit cards were in, among other things. I have even filed the same dispute with my credit card who in turn responded that the charges were indeed fraud so it really is baffaling how my bank is allowing someone to rightfully steal from their very own customers. Aside from this TD bank has charged me an obscene amount of overdraft charges due to these fraud transactions as well, when I mean obscene I mean hundreds and hundreds of dollars for transactions that I did not even process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-16 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Remove XXXX XXXX inquiry and lol other fraud items I dont reCognize. I am a victim of a vehicle and information robbery

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: VW Credit
State: PA

Complaint narrative:
I was attempting to purchase a vehicle through XXXX XXXX in XXXX, Maryland ( Volkswagen Credit ), and my credit was run multiple times resulting in a lower score. My credit was run on XX/XX/21, and I was given finance options, final numbers, and entered into a verbal agreement with a {$500.00} deposit on XX/XX/21 ( credit card statement attached ). When I arrived at the dealer to pickup the vehicle on XX/XX/21, my credit was run again for no reason and with no notice given to me ( I realized a week later when I checked my report ). I have since applied for another vehicle loan for a secondary vehicle, and I may not have gotten the best rate possible due to this error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16 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: HEARTLAND PAYMENT SYSTEMS INC
State: MI

Complaint narrative:
Repeat issue with partial payment plan agreement from XXXX ( resolved ) into XXXX ( failure to resolve ) Chat transcript with Heartland ECSI representative took place in XX/XX/XXXX to continue XXXX payments, each removed electronically, without fail, from bank account each month. Lender/servicer failed to report partial payment agreement, resulting in credit score damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I had a car loan with XXXX XXXX. There was a Class Action Settlement regarding improper collection practices, which as a part of the settlement, XXXX XXXX agreed to remove included loans from all credit reports. The loan was not removed from my credit report even though I submitted the settlement documents to each of the 3 bureaus.

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 2021-12-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I Received a call from XXXX XXXX from XXXX XXXXy stating i need to pay off my bill it was illegal and i would be sued in federal court If i did not pay the bill and possibly throw in Jail, I paid the capital one bill in full even though it was paid prior, I also was told after it was paid in 30days it will be delete off my credit report and it is still there. This company have over 2000 complaints here at the CFPB and I demand something be done about this company and this fraudulent account be removed off my credit report as it his hurting my living. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

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 2021-12-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
Our loan with Loan Depot was in forbearance and protected under the Federal Cares Act which means the loan was NOT allowed to be reported as delinquent. We recently signed and returned a Partial Claim packet sent by them which was not due back until XX/XX/2021. However, this was returned to them by XXXX overnight, yesterday. As of this morning, they are reporting the account as severely delinquent while still in forbearance as set by the VA. This is the SECOND time they have reported this account delinquent after correcting the mistake via your help previously. They are repeat offenders of the same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: PA

Complaint narrative:
My identity and many cards was stolen from my vehicle and I believe this is the reason I have fraud accounts on my credit profile.

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 2021-12-16 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Repeat issue with partial payment plan agreement from XXXX ( resolved ) into XXXX ( failure to resolve ) Chat transcript with XXXX XXXX representative took place in XX/XX/XXXX to continue XXXX payments, each removed electronically, without fail, from bank account each month. Lender/servicer failed to report partial payment agreement, resulting in credit score damage.

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 2021-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
From the end or XXXX - mid XXXX. American Express ran 27 Hard inquiries on my credit file. without my consent In that time period I only applied for increases or new cards about 3 times only! Amex Almost every month for 9 months was denying me credit and putting hard inquiries on my credit. This is fraudulent activity and a 100 % violation of USC 6801 as this is fraudulent and deceptive practices. 

I was notified by XXXX and had them removed all inquires off my file but this still doesn't rectified what AMEX has done. I am willing to settle this here with them through the CFPB I've also attached a copy of my credit report from when the 27 injuries was on there as AMEX never reached out to explain this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: TX

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: TX

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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