vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-03 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: NV

Complaint narrative:
I checked my account and notice there were multiple hard injuries that were on my report that were all incorrect none of these are mine and need to be removed from all.

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 2023-01-03 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: MI

Complaint narrative:
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 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 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 XXXXXXXX  This is in accordance XXXX the Fair Credit Reporting Act XXXX ( a ) ( XXXX ). This is not a request for a reinvestigation of the previous dispute. This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the account ( s ).

Please provide the following items : identify item ( s ) by the name of source, such as creditor or tax court, and identify type of item, such as credit account, judgment, etc.

1. The name of the original creditor and full account number ( s ).

2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute I am certain that the item I disputed is incorrect and should be removed, so l am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. I am very interested to learn how your investigators arrived at this erroneous conclusion.

I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to as part of this investigation.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request.

I am in the process of planning a legal case, so l demand specific answers to the specific questions asked of you in this letter. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record.

If you are unable to respond in a timely manner and provide the above items, please delete the account ( s ) from my credit report to prevent further damage. 

Thank you, 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 2023-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Universal Capital Services, Inc.
State: MA

Complaint narrative:
Unsolicited phone calls and text messages regarding applying for a mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XX/XX/2020 I lost my wallet and all of its contents inside of a bar in XXXX XXXX. I filed a police report and closed all of my accounts, I also had to replace my credit cards and state issued drivers license. Somehow my mobile was also hacked and passwords were breached. Ever since I have been dealing with identity theft. Under the Fair Credit Reporting act 15 usc 1681 furnishers must investigate disputes received from credit reporting agencies and shall correct them. At this time I am exercising my rights under the FCRA to have all fraudulent accounts listed blocked and deleted immediately.

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 2023-01-03 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: MI

Complaint narrative:
XX/XX/2023 RE : Method of Verification To whom it may Concern : I am requesting the Method of Verification for the following disputed account ( s ) : XXXX XXXX XXXX + Account Number : XXXXXXXX XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX + Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX  + Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  + Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX  + Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  + Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  + Account Number : XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX + Account Number : XXXX This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute. This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the account ( s ).

Please provide the following items : identify item ( s ) by the name of source, such as creditor or tax court, and identify type of item, such as credit account, judgment, etc. 
1. The name of the original creditor and full account number ( s ).

2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute I am certain that the item I disputed is incorrect and should be removed, so l am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. I am very interested to learn how your investigators arrived at this erroneous conclusion.

I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to as part of this investigation.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request.

I am in the process of planning a legal case, so l demand specific answers to the specific questions asked of you in this letter. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record.

If you are unable to respond in a timely manner and provide the above items, please delete the account ( s ) from my credit report to prevent further damage. 

Thank you, 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 2023-01-03 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:
Hello, My wallet and all my personal information including my drivers license and my social security card were stolen in the year 2003 ( estimate ). I have reported the individual that was using my social security card fraudulently in the state of Georgia. I confirmed this information thru my local Social Security office. There are XXXX delinquent accounts that continue to appear on my credit report and they ( credit report agency ) does not remove it even after I have made several attempts to dispute it. At this time, I would like these XXXX fraudulent accounts to be flagged and/or removed from my credit report. I have tried to obtain information on the original police report that I filed here locally, but there system does not keep track of old police reports. I will have to resubmit a new one. Please advise. 
Thank you, 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 2023-01-03 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: EQUIFAX, INC.
State: IL

Complaint narrative:
These people are XXXX of my character lying on my credit report, untrue and damaging to my way of life by presenting as a fact to others. I can not get a house for my family because of the lies on my credit report. I will be XXXX  if this isn't fixed asap Delete these lies on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL

Complaint narrative:
I have called several times dealing with Cardinal Financial I was told they have never received funds from XXXX referenced XX/XX/XXXX payment of {$880.00} nor the past due amount of {$5500.00}. 
Cardinal Financial is sitting on the payment and not processing it. It has been sent by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX has received their payments It odd Cardinal Financial has not

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: NY

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
Back in mid XXXX I attempted to make a purchase with my Bread Cashback XXXX XXXX issued by Cominity Bank. I inadvertently entered a wrong character and was immediately locked out of my card. The following day I called and was put thru to Fraud Department, the person was polite and informed me they would mail me forms to submit. I never received that mail, only an e-mail ( at the time I was on the phone with them ) to contact the fraud department. I received a secure message in my account on XX/XX/XXXX acknowledging my message to them with regard to my frozen card. On XX/XX/XXXX or XX/XX/XXXX I called again, this time I was politely instructed to send a copy of my drivers license ( front and back ) my social security card ( front and back ) and a utility bill or bank statement showing my name and address. I submitted my cable/phone/internet bill along with my D.L. and SS Card as requested via e-mail. I called them again this morning and kept getting an automated message telling me my account was closed goodbye. For the first time I was unable to speak with an actual person. VIA internet research I found a phone number for Fraud Department and called. I was informed that the bank closed my card because only gas, electric or water are considered utilities and I am free to reapply. I/we use well water so no water bill, electric is in my wifes name and we do not have a gas line. At no time was there any instruction of a utility bill and this is the first time I have ever been told that cable/phone/internet are not a utility. I did follow their instruction to reapply however I got denied for an existing account. I filed a complaint with the XXXX and am now seeking your assistance to resolve. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
Someone used my name and DOB for a Hospital bill. 

This is not the first time that a person with a similar name has been shown in criminal reports using my identity

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03 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: OH

Complaint narrative:
I have been a victim of identity theft due to the lack of security with Experian with XXXX XXXX and XXXX just last XX/XX/XXXX XXXX XXXX and XXXX removed finally the N accuracies of a fraudulent account on my credit report. Experian on the other hand has not done their due diligence to properly handle this case I have disputed it over and over and now they say I can no longer dispute the case, I was a victim of identity theft. This was a case of identity theft and I approved it with the other two companies Now I am bringing this situation to consumer finance. I wish you didnt have to get to this level but I see no other way this company has lied for years. Theres so many inaccuracies with what theyre claiming the balance owed due the name of the company I would just like someone to look into this look at both XXXX XXXX full report and EQUIFAXs report and then go look at Experians report and you can just see how they are just running it through the system that is not how our system works. We are supposed to be protected from being victims of identity theft they have provided me with identity, safe protection, but yet they allow it to continue to occur, now this is a very since XXXX. I believe was the first time I was made aware of this and I have been rigorously disputing this if theres something else that I would have to do to somehow bring this to XXXX a head weigh I just do not feel that Experian has properly and with a human actually doing the investigation and not a computer program that just runs off a bunch of algorithms and put it into the system that is not how our system should be ran and if it is, thats why were in the trouble we are in now. I want to thank you for taking the time to listen to my case listen to my complaint and that everything I have been saying, since the beginning is the truth, I did not open that account did not know anything about the account, and I would like this to come to a peaceful conclusion. Thank you very much for listening to me again have a blessed day and a happy new year. 

Sincerely, 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 2023-01-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
In XX/XX/XXXX, fraudulent charges appeared on my Bank of America Credit Card. I immediately notified BOA and they were able to resolve the matter. It was charges in the amount of over $ XXXX in a foreign country. That credit card account was closed and BOA issued me a new credit card. Then in XX/XX/XXXX, the same charges appeared once again, but on my new credit card account. I phoned BOA and spoke at length with an associate and was assured that it would be corrected. By XX/XX/XXXX, the fraudulent charges were still showing so I phoned once again and was again told by the associate that it was corrected. On XX/XX/XXXX, the charges still appeared on my account so I phoned BOA again. I was told it was a " system error '' and the associate said she resolved it it my favor and it would be showing as such in a few days. That did not happen. Thinking that BOA might be short staffed, I decided to wait until after the holidays and I phoned today, XX/XX/XXXX. I spoke to an associate ( XXXX from XXXX  ), at length who told me he was going to open a claim. Open?? What happened to the other attempts at correcting this? He could not give me an answer. So XXXX took all of my information ( again ) and stated that he was going to submit it to BOA 's research department. He said this will take 45 days. He said he relayed my information to his manager and she will request that someone from the research department reach out to me. 
Today was my fourth call to BOA in an attempt to try to resolve this mess. In the meantime, because of the almost $ XXXX in fraudulent charges, BOA is demanding a large monthly payment due on this fraudulent amount. I do have a small balance that I am responsible for and am making more than the sufficient amnt. of payment for that but I should not, and will not, pay payments for the fraudulent charges on there due to a banking error that BOA can not seem to correct. As a result, my on line banking statement is saying that my payment is " past due ''. Now my real concern is that this many affect my good credit that I have had for years ( I'm XXXX ). 
My hope is that someone at your agency can help, or at least have some suggestion ( s ) as to what I can do about this. I feel like I have exhausted my resources. BOA said there is no one else who can help me, so I hope you can. I can be reached at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX Email : 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 monetary relief
Consumer complaint received 2023-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: UPGRADE, INC.
State: FL

Complaint narrative:
I am writing about an Upgrade credit card which I was approved for back on XX/XX/22 for {$5000.00}. I had received several advertisements email and letter byl mail for over 2 years. I finally went to the website and filled out the pre-approval for the {$5000.00} credit line. I was approved and Upgrade sent the card out via mail. When I recieved the card and registered it over the phone it was set up and active. I did not use the card and had no payments due. Within the same month of receiving the card before I could even use the card Upgrade redued my {$5000.00} down to {$500.00} for no reason. 

I did not use the card and did not owe a payment they advised me it was due to my other credit card usage. I called and talked with a Supervisor that said it was due to my other credit card usage which had not changed. I asked the supervisor if they receive a lot of calls about reducing new card members credit limits and he said that Yes, it was a common call that came through. This tell me that this is a common practice which falls under a bait and switch practice. 

This is also misleading and it reduced by credit score by being approved having a {$5000.00} limit go on my credit that the next month was reduced to {$500.00}. I work for The XXXX XXXX Bank as a Vice President in sales and this practice of false advertisement is illegal and it caused my credit to be negatively effected. I was trying to obtain a loan for personal resasons which was effected by the fico score reduction. I want to pursue actions against this action and Upgrade for credit and personal damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Agencies report info does not reflect credit denials in recent inquires. Transunion credit rating XXXX. But have been denied any credit time and again. XXXX exchanged with me is not reflected with info to creditors. Transunion wanted {$310.00} to clear it all up. I refused because I believe it to unethical even in XXXX, XXXX, XXXX and texas. ( unregulated states where all these Agencies come from. Is there no agency north of XXXX in this country ). This shakedown and retaliation would be illegal anywhere else. They have XXXX XXXX  me. Please could use any help. My mortgage lender says I have no history showing there at all. Even though I just paid off loan with them 3 years ago. This I believe is happening because of independent contractors shaking down customers. Don't know if XXXX works. Phone 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