vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-10 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: MS

Complaint narrative:
I contacted the below creditors, and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : 1. Creditor : XXXX XXXX XXXX Inquiry XXXX : XX/XX/XXXX PLEASE DELETED FROM CREDIT REPORT 2. Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX PLEASE DELETED FROM CREDIT REPORT 3. Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX PLEASE DELETED FROM CREDIT REPORT 4. Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX PLEASE DELETED FROM CREDIT REPORT 5. Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX PLEASE DELETED FROM CREDIT REPORT PLEASE SEE ALL ATTACHMENT DOCUMENTS BELOW!

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 2022-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
According to 18 U.S Code 8 the term obligation or other security of the United States include all bonds, certificates, of indebtedness, national bank currency , federal Reserve notes, federal Reserve bank notes, gold certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United Stamps.

Ive been trying to resolve this issue for quite some time now. Im mentally stressed out and depressed because of this fraudulent bill thats affecting my credit report and my lifestyle that Im trying to provide for my children.

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 2022-02-10 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: DC

Complaint narrative:
According to 18 U.S Code 8 the term obligation or other security of the United States include all bonds, certificates, of indebtedness, national bank currency , federal Reserve notes, federal Reserve bank notes, gold certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United Stamps. 


Ive been trying to resolve this issue for quite some time now. Im mentally stressed out and depressed because of this fraudulent bill thats affecting my credit report and my lifestyle that Im trying to provide for my children.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: DC

Complaint narrative:
According to 18 U.S Code 8 the term obligation or other security of the United States include all bonds, certificates, of indebtedness, national bank currency , federal Reserve notes, federal Reserve bank notes, gold certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United Stamps.

Ive been trying to resolve this issue for quite some time now. Im mentally stressed out and depressed because of this fraudulent bill thats affecting my credit report and my lifestyle that Im trying to provide for my children.

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 2022-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
i was looking to rent a house. this person had a house up for rent i paid {$160.00} for my son and i for a application fees. after i completed the application he then told me i was aprove and to send him a {$1.00} for the security. after i XXXX  him the money he than said to go ahead and send him the first months rent when i tired to send him the money it wouldnt go though. my second time trying to send the money i call me bank which is bank of America the and they told me it was a scam.at this point i already send XXXX so right away i put in a scam claim on XXXX and on monday XXXX i reach out to bank of America because i have'nt heard anything from them about my claim then i was told i wont be getting my money back

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 2022-02-10 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This company has reported fraudulent information on my consumer report without my written consent, anything without permissible purposes is considered identity theft. I demand that this company remove this fraudulent Inquiries from my consumer report and from there internal data base.

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 2022-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I have not received my over payment, and this car is still showing as current on my credit report. XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
In XXXX of 2021, Freedom Mortgage offered me a " streamline VA refinance '' on my mortgage. I believe that I closed on that sometime in late XX/XX/2021. I believed my 1st due payment on the new mortgage was in XX/XX/2021 based on verbal information given to me by Freedom Mortgage. As a result, I did not attempt to make my new mortgage payment in XXXX and was considered 30 days late in XX/XX/2021 and XX/XX/2021. Having actually paid my XX/XX/XXXX payment in XXXX, and my XXXX payment in XXXX- I did not discover that I was actually 1-month behind until early XXXX and then made two payments during the month of XX/XX/2021 to essentially " catch up '' on my payments. 

I'm requesting a 1-time goodwill gesture on their part to remove the 30 day late entries on my credit report for XXXX and XX/XX/2021. I've taken the necessary steps to ensure there are automatic payments made at the first of each month to ensure there will never be another late payment. 

I realize that this is not something that Freedom Mortgage has to grant, but this goodwill gesture will greatly increase my standings and ability to gain positive traction with my credit score. I also admit that it was entirely my responsibility to know when my mortgage payments were due, and this was entirely my fault, but I'm hoping and praying there can be an act of goodwill and faith in my continued business with them and holding my mortgage with their company.

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 2022-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
XXXX XXXX XX/XX/XXXX {$0.00} XXXX COMENITY BANK XXXX XX/XX/XXXX {$670.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$100.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$370.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: PA

Complaint narrative:
This company has reported fraudulent information on my consumer report without my written consent, anything without permissible purposes is considered identity theft. I demand that this company remove this fraudulent Inquiries from my consumer report and from there internal data base.

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 2022-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I am an an independent XXXX XXXXXXXX working as a sole proprietor Delaware XXXX under the name XXXX XXXX XXXX. I have a client, XXXX, located in XXXX XXXX. On XX/XX/2021 I, XXXX XXXX XXXX, issued an invoice to XXXX via XXXX XXXX XXXX in the amount of {$650.00} USD. XXXX paid the invoice with an American Express card via XXXX on XX/XX/2021. 

Approximately 10 days later XXXX discovered a fraudulent transaction on their American Express account unrelated to their business with me, XXXX XXXX XXXX. According to XXXX, when they reported the fraudulent transaction to American Express, American Express without notice or authorization from XXXX, proceeded to cancel and chargeback all transactions that had be made account during the proceeding month. 

I received a notice of chargeback on the XXXX payment from XXXX on XX/XX/2021. I immediately contacted XXXX and they advised me that American Express had " the same problem with ( another vendor ) .... Amercian Express cancelled all payments without telling us. We are so sorry about this. ". 

I attached XXXX 's reassurance that the chargeback was not authorized by them to my response to XXXX however XXXX, on or about XX/XX/2021, determined that my response was insufficient to contest the chargeback and without any further notice to me, proceeded to close the case an issue a refund of the {$650.00} payment and charge me a {$35.00} dispute fee. 

So me, XXXX XXXX XXXX the seller and XXXX the buyer have, and never have had, any dispute with each other over this payment. American Express has, without the card holder 's authorization, imperiled XXXX 's business relationships and deprived me, XXXX XXXX XXXX, the seller of a duly authorized payment. 

XXXX has assured me, XXXX XXXX XXXX, since XXXX that American Express has acknowledged the problem and promised to reverse the chargeback. XXXX has advised me that American Express has in fact reinstated the charge to their account. XXXX however tells me, XXXX XXXX XXXX, that they have no notice a reversal of the chargeback and therefore the {$650.00} debit plus the {$35.00} remain on my account. 

At this point, American Express has effectively robbed both XXXX and I of lawful funds. They have caused immeasurable damage and friction between two otherwise happy businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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:
I submitted a disputes to TransUnion and they lied and said they verified the 3 bankruptcies but they did not. I also provided them with court documents that prove the 3 bankruptcies were falsely filed in my name without my consent. The court documents prove I sued the individual and won. The court determined I did not ever file bankruptcy. I tis obvious that TransUnion did not review the documents I sent. I have proof they received my letter because I sent it certified mail. These illegal bankruptcies are preventing me from obtaining a place to live. I have been trying to get an aprtment. I have shown the court documents to apartment managers but they say there is nothing they can do because they base their decision of approval on my credit report. TransUnion has the responsibility to properly verify my disputes and they filled to do so. Below are the bankruptcy information XXXX is reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I already paid this debt but still hurting my credit score please help me PORTFOLIO RECOVERY ASSOCIATES , LLC XXXX XXXX XXXX XXXX, VA XXXX PHONE XXXX | www.portfoliorecovery.com XX/XX/2022 Re : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Account Number : XXXX Original Account Number : XXXX Seller : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Current Creditor : Portfolio Recovery Associates , LLC Dear XXXX XXXX XXXX XXXX Thank you for your assistance in resolving this account. Your current balance on this account is $ 0.00*. Please retain this letter as proof your account has been settled. 
Your account will be considered paid-in-full for less than the full balance after the final payment is successfully posted. If our company is reporting this account to the credit reporting agencies, within approximately 30 days of the final payment successfully posting, our company will request the credit reporting agencies delete our company 's tradeline related to your account from your credit bureau report. Portfolio Recovery Associates , LLC can not control how fast the credit reporting agencies process requests. 
*Balance and/or payment information assumes that your payment is not reversed as a result of having any checks returned to us or as a result of you having directed us to apply payment to another account. 
If you have any questions, or need any further information, please call us at XXXX. Our hours of operation are XXXX. to XXXX XXXX - XXXX, XXXX. XXXX - XXXX, XXXX. XXXX - XXXX ( ET ). 
Thank you for resolving this account. 
Sincerely, XXXX XXXX XXXX Portfolio Recovery Associates , LLC Representative

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: Chime Financial Inc
State: MA

Complaint narrative:
On XX/XX/XXXX, the bank Chime processed a transaction at XXXX for XXXX and XXXX dollars. At that time I already had reported my card lost and the transaction should have never gone through. But the card company never ended up blocking my card causing the payments to go through.i called the bank multiple times to make disputes. I made two disputes. The first time I added information about me having masshealth and how I also did not have a card at that time. That wasn't enough so they canceled the dispute. I added my police report the second time and that was still not enough. XXXX I called asking for the report of when my card was reported lost. They said they couldn't give it but would have someone call me back. They never did so I called back on XX/XX/XXXX. They stated they could not give me access to when my card was reported lost so I can submit it for a new dispute. I would like my {$800.00} back. My card got lost at XXXX and someone at XXXX must have used my pin to get access of stuff that's {$800.00} in XXXX. I also have masshealth and wouldn't be paying for any medication as I am in XXXX custody. They should have the police report as I sent it to them through email. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I received a check from my new employer for {$1900.00} and tried to deposit to my Citibank account. The teller let me know that it would take 5 days for it to show up on my account since I was a new customer which was fine. The next day I tried to use my debit card and it kept declining. I called the bank and they said my account was closed and they will send a check for the money in my account. I was confused and asked why since that was a real check from my employer. I went to my local branch and they couldn't give me anymore information other than my account was being closed. Every time I called Customer Service the rep would keep hanging up on me. I am confused as why a real check from my employer is being flagged as fraud.

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 2022-02-10 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: VW Credit
State: NY

Complaint narrative:
I have an FTC report and police report. VW credit has refused to remove this fraudulent account from my consumer report. I sent XXXX XXXX ( VW credit corporate ) a notarized affidavit of Truth. She is refusing to remove it. VW credit broke the law. The dealership forged my signature. The NY attorney general sued them for restitution in the amount of {$300000.00}. The federal laws that were broken are : 15 USC 1 which states EVERY CONTRACT IS ILLEGAL. 15 USC 1605 TRUTH IN LENDING ACT. 15 USC ( b ) ( a ) ( 2 ) ) : A consumer reporting agency can not put anything on my consumer report without written instructions from the consumer to whom it relates. WITHOUT MY CONSENT IS IDENITY THEFT. FORGING SOMEONES SIGNATURE IS A CRIME. I HAVE ASKED VW CREDIT TO PRODUCE THE WET INK CONTRACT SEVERAL TIMES AND TO NO AVAIL IT DOESN'T EXIST. THEY HAVE ONLY PRODUCED A COPY WHICH IS NOT MY SIGNATURE. THE DEALERSHIP IS NO LONGER IN BUSINESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: OH

Complaint narrative:
This is just getting old at this point. Experian is once again reporting improper information on my credit report that continues to drag my credit down but has yet to report credit payments made consistently on a {$22000.00} car that is {$9000.00} away from being paid off. They also still have not added that I have credit with XXXX XXXX XXXX and have paid off hundreds of dollars worth of equipment. But, once again they've managed to make another inaccurate claim that I owe XXXX XXXX over {$1000.00}. THIS IS NOT TRUE and I have the paperwork to prove all of it. This collection activity was handled via XXXX who was the holder of the debt. This should have never made it to my credit report at all as a SETTLEMENT WAS ACHIEVED!!!!

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 2022-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
On XX/XX/2016 Credit Collection Servic ( XXXX XXXX XXXX XXXX, MA XXXX ) agreed by telephone to my request of a pay to delete. A verbal contract is a legally binding this unwritten agreement that consists of all the normal elements of a contract. I trusted Credit Collection Servic enoungh to keep their end of the deal like I did when I paid them a {$190.00}. This account is showing up on my XXXX report I'm giving Credit Collection Servic the benefit of the doubt that this is a mistake on their behalf. This account was supposed to be deleted from all three credit bureaus when I paid the {$190.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation