vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-16 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: CA

Complaint narrative:
On XX/XX/2018 I received a letter from XXXX advising me that my XXXX report was frozen. After work I contacted the three credit reporting agencies and ask them to validate the bankruptcy on my credit reports. Each agency had comeback that the information was validated by XXXX and is correct. The problem here is having Frozen my XXXX report in 2018 a XXXX not sharing this information with any of the credit reporting agencies it is clear that they did not validate though they said that they did this is a clear violation of section 609 of the Fair Credit Reporting Act which states that validation must be done within 30 days and must be complete it must be accurate and it must be done with the furnisher of information. Though XXXX was never the furnisher they were third-party they are what the credit bureaus use to validate therefore this information must immediately be removed from my credit report because there was no validation although they stated that they did validate and they didn't have other day with the furniture which would have been the XXXX XXXX County Courthouse the three credit bureaus are in violation of the Fair Credit Reporting Act and therefore the information must be removed from my credit report immediately I therefore request that the cfpb investigate this information as I have documentation proving that my statements are true and correct. My only recourse at this point is to have the cfpb direct them to remove this according to the law.

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 2019-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: REGIONS FINANCIAL CORPORATION
State: KY

Complaint narrative:
Purchased sample XXXX products. The next month ( XXXX ) I was charged {$89.00} and {$89.00} for products that were not received. Notified Regions bank that they were not authorized transactions. The bank said they would file a dispute. Tried to contact the company charging my account but could not find out who they were or a phone number or email address. Now it happened again in XXXX. Same amounts. Regions bank customer service now states that there is no dispute filed on the XXXX transactions and that they can't do any thing about the unauthorized 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 2019-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: MI

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX MI XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX, XXXX XXXX XXXX XXXX MI XXXX The name listed above should be the only name listed on my report. Please remove the following name on the report and numbers : XXXX, XXXX, XXXX XXXX , Any phone  numbers on my report shown should be deleted if its not the following number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I finance a XXXX XXXX to Capital 3years ago the car was accident today lost also i have gap therefore i don't understand why i have this bill i contacted them about them send them proof but still charge me and effect my credit will bad I already file a dispute and contacted still no change XX/XX/2016 ( 2 yrs, 10 mos ) Term 72 months Charged off as bad debt Dispute resolved ; reported by grantor

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis
State: MI

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E.Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX MI XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX, XXXX XXXX XXXX XXXX MI XXXX The name listed above should be the only name listed on my report. Please remove the following name on the report and numbers : XXXX, XXXX, XXXX XXXX , Any phone numbers on my report shown should be deleted if its not the following number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: MI

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX MI XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX, XXXX XXXX XXXX XXXX MI XXXX The name listed above should be the only name listed on my report. Please remove the following name on the report and numbers : XXXX, XXXX, XXXX XXXX , Any phone numbers on my report shown should be deleted if its not the following number : 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 2019-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Credit bureau is FALSELY reporting " Serious Delinquency '' on my credit report when all of my accounts are in good standing and have been so for more than seven ( 7 ) years. This term is defamation of character and this false information affects my credit worthiness and credit score.

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 2019-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Credit Bureau is FALSELY reporting " Serious Delinquency '' on my credit report and for inquiries that is affecting my credit worthiness and credit score when all of my accounts are in good standing and have been so for more than seven ( 7 ) years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Credit bureau is FALSELY reporting " Serious Delinquency '' on my credit report when all of my accounts are in good standing and have been so for more than seven ( 7 ) years. This term is defamation of character and this false information affects my credit worthiness and credit score.

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 2019-03-16 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: CA

Complaint narrative:
Equifax recently did an investigation on my credit profile for an alleged debt with XXXX XXXX XXXX. In the conclusion of the investigation it was concluded that the item was deleted and now has been placed back on my report and has dropped my score tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 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: TX

Complaint narrative:
Between XX/XX/2019 and XX/XX/2019, a company called " XXXX '' made many fraudulent charges on my account ( account no. XXXX ). This company had been engaging in fraud according to many news sources of similar nature to the charges on my account. See attached news article. 

The total fraudulent charges were for {$320.00}. 

Although Bank of America does not dispute that the charges are fraudulent, they denied the claim on the basis that I did not " immediately dispute '' the charges. 

As noted my correspondence dated XX/XX/XXXX, " I keep very high balances and make very large deposits and charges of that small size would not be noticed immediately ; and any bank charges and/or deposits would not be reviewed until the ordinary account reconciliation that is performed every 30 days. This fraud was detected in 17 days. '' Despite this fact, Bank of America denied the claim. I documented my phone call with Bank of America in my XX/XX/XXXX correspondence and stated : " It is my understanding from XXXX ( ID # XXXX ) and XXXX ( ID # XXXX ) in Claims that my claim for the fraudulent XX/XX/XXXX charges was denied on XX/XX/XXXXon the following basis : ( 1 ) the charges occurred between XX/XX/XXXX XX/XX/XXXX, and that I logged ontomy account during that time and did not immediately dispute the charges ; ( 2 ) there was no aggressive usage or urgency to drain the account ; and ( 3 ) the charges were not in line with a fraudulent pattern. 

I appealed this decision and received a letter from Bank of America stating that they have " closed this claim. '' See attached. 

I am requesting help from the CFPB to have these fraudulent charges reversed and returned to my account.

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 2019-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NH

Complaint narrative:
Portfolio Recovery claiming to try to collect a debt. They have been notified not to call my mobile number and continue to do so, repeatedly, at all hours of the day and every day of the week.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
Ally will not answer phone, no matter when I call they put me on hold and say there is a 6 min. wait time,6min. go by and they say again there is a 6min. wait time.I am unable to withdraw money that I need.

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 2019-03-16 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: MARINER FINANCE, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I was checking my credit report and noticed that a hard inquiry was made by XXXX XXXX on XX/XX/XXXX. I did not give them permission to run a inquiry on my credit report any time in XXXX. I took out a loan with them on XX/XX/XXXX that's the only time they had permission to run my credit. I have not giving them permission to run my credit again.

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 2019-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Michael & Associates, PC
State: CA

Complaint narrative:
I have a debt with XXXX XXXX. I had made a payment of XXXX, which they have refused to credit to my account. I provided a copy of my bank statement showing the payment and I provided them with the payment transaction number provided by the bank. I also have submitted disputes with the credit reporting agencies because the amount they are trying to collect from me is incorrect. They have refused to credit the payment I made. Now I have received a letter from Michael & Associates which claims that XXXX XXXX referred me account to them. They are trying to collect more money than I owe and are threatening me with legal action and judgment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I am a victim of identity theft. I have reached out to the credit bureaus on numerous occasions. I've called, mailed in certified mailed and opted out as well and nothing has been done. I've been contacting them for over 3 months and nothing has been done. I am currently in the process of filing a lawsuit against Equifax, XXXX and XXXX. My lawyer XXXX XXXX XXXX XXXX ( The Law Offices of XXXX XXXX XXXX ) XXXX XXXX XXXX # XXXX XXXX, MA XXXX has overseen my claims.He has done a thorough investigation pertaining to the documentation and detailed record of certified letters with the credit bureaus that I have provided and realized that the Equifax, XXXX and XXXX are in direct violations of the fair credit reporting act ( FCRA ). here are the fraudulent accounts and inquires as it pertains to each bureau XXXX  XXXX XXXX  {$350.00} XXXX XX/XX/XXXX XXXX XXXX {$190.00} XXXX XX/XX/XXXX US Dept of EdXXXX {$63000.00} XXXX XX/XX/XXXX XXXX {$660.00} XXXX INQUIRES XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/2018 EQUIFAX XXXXXXXX XXXX {$350.00} XXXX XX/XX/XXXX XXXX XXXX {$190.00} XXXX XX/XX/XXXX US Dept of EdXXXX {$63000.00} XXXX XX/XX/XXXX XXXX {$660.00} XXXX INQUIRES XXXX XXXX XX/XX/XXXX XXXXS XXXX XX/XX/XXXX XXXX   XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX bank {$350.00} XXXX XX/XX/XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX {$63000.00} XXXX XX/XX/XXXX XXXX {$660.00} XXXX INQUIRES XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX In our pending lawsuits, we are holding the following individuals responsible for negligence .These individual will be named in the lawsuit if accounts aren't removed immedediatly. as followed : XXXX XXXX XXXX XXXX Operations Supervisor XXXX XXXX CEO XXXX XXXX XXXX XXXX XXXX Vice President and associate general counseXXXX XXXX XXXX XXXX XXXX Vice President XXXX corp XXXX XXXX XXXX fraud and identity Management XXXX XXXX VP and division gen counsel regulatory XXXX XXXX XXXX Senior Vice President enterprise Fraud ID Theft XXXX XXXX vice president and group counsel XXXX XXXX XXXX XXXX corporate vice president chief legal officer ] '/

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-16 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: MA

Complaint narrative:
I am a victim of identity theft. I have reached out to the credit bureaus on numerous occasions. I've called, mailed in certified mailed and opted out as well and nothing has been done. I've been contacting them for over 3 months and nothing has been done. I am currently in the process of filing a lawsuit against XXXX, XXXX and Experian. My lawyer XXXX XXXX XXXX XXXX ( The Law Offices of XXXX XXXX XXXX ) XXXX XXXX XXXX # XXXX XXXX, MA XXXX has overseen my claims.He has done a thorough investigation pertaining to the documentation and detailed record of certified letters with the credit bureaus that I have provided and realized that the XXXX, XXXX and Experian are in direct violations of the fair credit reporting act ( FCRA ). here are the fraudulent accounts and inquires as it pertains to each bureau Experian XXXX XXXX   {$350.00} XXXXXXXX XX/XX/XXXX XXXX XXXX {$190.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX/XXXX {$63000.00} XXXXXXXX XX/XX/XXXX XXXX {$660.00} XXXXXXXX  INQUIRES XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX  XX/XX/XXXX XXXX   XXXX XXXX {$350.00} XXXXXXXX XX/XX/XXXX XXXX XXXX {$190.00} XXXXXXXX  XXXX XXXX XXXX XXXX XXXX/XXXX  {$63000.00} XXXXXXXX  XX/XX/XXXX XXXX {$660.00} XXXXXXXX INQUIRES XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX {$350.00} XXXXXXXX  XX/XX/XXXX XXXX XXXX {$190.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX/XXXX {$63000.00} XXXXXXXX  XX/XX/XXXX XXXX {$660.00} XXXXXXXX INQUIRES XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX In our pending lawsuits, we are holding the following individuals responsible for negligence .These individual will be named in the lawsuit if accounts aren't removed immedediatly. as followed : Experian XXXX XXXX XXXX Operations Supervisor XXXX XXXX CEO Experian North Americas XXXX XXXX Vice President and associate general counsel XXXX XXXX XXXX Executive Vice President XXXX XXXX XXXX XXXX Director fraud and identity Management XXXX XXXX VP and division gen counsel regulatory XXXX XXXX XXXX Senior Vice President enterprise Fraud ID Theft XXXX XXXX vice president and group counsel XXXX XXXX XXXX XXXX corporate vice president chief legal officer ] '/

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 2019-03-16 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: FL

Complaint narrative:
On XX/XX/XXXX I was checking my credit report and noticed that a hard inquiry was made by XXXX XXXX on XX/XX/XXXX. I did not give them permission to run a inquiry on my credit report any time in XXXX. I took out a loan with them on XX/XX/XXXX that's the only time they had permission to run my credit. I have not giving them permission to run my credit again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 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: OH

Complaint narrative:
Equifax is refusing to fix the innacurate information reported on two closed charge off accounts from XXXX XXXX. My dispute is about date of first delinquency. I have paid both accounts every penny without any discounts or settlements. Both accounts were closed become delinquent in XX/XX/XXXX, I have paid both accounts in XX/XX/XXXX and XXXX XXXX reported {$0.00} balance paid after charge off. However in XX/XX/XXXX XXXX XXXX reported this back on my credit report as a date of First Major Delinquency XX/XX/XXXX causing my credit file to pickup as currently late and my credit score dropped 40 points for being currently late.How can they report as Date of First Major Delinquency XX/XX/XXXX if I don't have any balance on these two accounts and both accounts were closed in XX/XX/XXXX. I have called Equifax and XXXX XXXX both say they don't know why is this happening and they will look in to it but after investigation they don't correct issue.

Company response to consumer: Closed with explanation