vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This complaint is regarding a fraudulent charge that occurred on XX/XX/XXXX. Someone used a XXXX XXXX bank atm machine to check my available balance and withdrew {$1000.00}. On XX/XX/XXXX I called Bank XXXX XXXX XXXX XXXX Department debit card, customer service. I informed the customer service representative that someone withdrew money from my checking account without my permission and requested to deactivate the card. The customer service representative immediately deactivated the card and let me know that I would be receiving a new card in the mail. I was then transferred to the fraud department so I could make a claim. I then explained to the fraud department representative of what had occurred. The representative gave me a claim number and informed me that I would receive a letter in the mail within 45 days. I then visited my local police department and filed a police report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2020 I sent a letter of inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress that you may have caused me. My information was also impacted by the XXXX data breachand may have got in the hands of the wrong person.

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 2020-11-11 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2020 I sent a letter of inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress that you may have caused me. My information was also impacted by the XXXX data breachand may have got in the hands of the wrong person.

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 2020-11-11 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: FL

Complaint narrative:
I have submitted my reports for thorough investigation of fraudulent accounts reported on my credit history that is causing threatening acts towards my livelihood. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( s ) of that information. This is now my second attempt at requesting these accounts to be removed from my credit history!

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 2020-11-11 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: NY

Complaint narrative:
I am a victim of identity theft. I would like to request that the following account XXXX  Account # XXXX be blocked and removed from my report. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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 2020-11-11 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: NY

Complaint narrative:
I am a victim of identity theft. I would like to request that the following account XXXX Account # XXXX be blocked and removed from my report. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: NY

Complaint narrative:
I am a victim of identity theft. I would like to request that the following account XXXX Account # XXXX be blocked and removed from my report. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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 2020-11-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Brown and Joseph, Ltd
State: IL

Complaint narrative:
A collection agency called and STATED that he was from XXXX XXXX then STATED that we owed {$840.00}. We were confused because we remembered paying it. My husband paid it and we then discovered from the insurance company, XXXX XXXX XXXX XXXX XXXX, that the debt is not owed. The name of the collector is XXXX XXXX XXXX. My official insurance company 's name is XXXX XXXX at XXXX XXXX. My insurance is paid up until 2021. Here is what he sent me afterwards.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams & Fudge, Inc
State: NV

Complaint narrative:
I with thru enrollment at XXXX  XXXX University-XXXX  XXXX and was sent the below via email. 

However, after returning from a work trip to XXXX, TX I became XXXX  and went to the ER with a XXXX XXXX XXXX over XXXX and was diagnosed with XXXX XXXX XXXX and spent 5 days in XXXX. After being released I took several weeks off from work to recover and change my lifestyle and was unable to attend class. I never started nor attended any class at XXXX and now I have a collections on my credit report for {$1500.00} from WILLIAMS AND FUDGE INC for Original creditor : XXXX XXXX UNIVERSITY. 

I informed XXXX  of what happened and that I would not be attending XXXX and 4 years later this show up. 

I would like this removed and for XXXX to correct this as I never attended the school. 


Hi XXXX, Congratulations on your admission and welcome to Colorado XXXX University-XXXX  XXXX! We are thrilled to have you as a student. 

You have been officially registered for the following classes : Start Date Trimester Term Class -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - -- -- -- -- -- -- -- -- XX/XX/16 Fall XXXX  Orientation XX/XX/16 Fall XXXX XXXX XXXX Before starting class, you will now need to work with your Tuition Planning Specialist. This specialist will help you finalize your financing options, submit all remaining required documents, and answer any questions you have about the tuition planning process and paying for school. 



Once you have completed the Enrollment Portal you will receive a notification to log into the Student Portal. At this time please complete your Schoology Orientation in the Student Portal. This will help you become familiar with our online learning environment, learn how to post discussion questions and submit assignments, and see what your first week will be like before class starts. After completing orientation you will be directed to complete the orientation self-assessment, which you will need to complete prior to starting classes. 



Information on finding and ordering your textbook is also available within orientation. We suggest you order your textbook from your vendor of choice as soon as possible to be sure that it arrives before the first day of class. 



Finally, you will need to verify your attendance in each of your courses by posting your introduction to the discussion board. Please post your introduction on the first day of class to ensure your attendance is verified. You will be dropped from your course at the end of your first week if there is no activity or posting in the discussion board. 



Please dont hesitate to contact me with any questions or concerns that you may have. Best of luck in your classes! 



Sincerely, XXXX XXXX Enrollment Counselor XXXX XXXX University-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Office Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I was called by Bridgecrest financial on XX/XX/XXXX. They called me to congratulate me on my new purchase of a XXXX XXXX XXXX from XXXX.I had not purchased a car nor was my purchase a XXXX, I asked them for a copy of my purchase agreement. They told me that they couldn't provide me a copy I asked to speak to someone in charge because this was clearly a MAJOR mistake. I spoke to a woman by the name of XXXX from Bridgecrest who told me the car was delivered to my home in XXXX XXXX FL. On XX/XX/XXXX, which was absolutely outrageous myself nor my wife received a car purchased from XXXX. I called them several times a day and was given the run around between XXXX as well as Bridgecrest as to whom was to blame, I was told to file a police report, but yet no information was provided to me except being told verbally a car was purchased in my name, which was mentally exhausting for myself as well as my wife, I work overnights as a XXXX  XXXX and being on the phone with no answers every day after my shift with no answers and the continuous run around was a nightmare, not to mention the stress of my credit and contacting all 3 major credit institutions worrying how this has or will impact my credit score, which I'm in the process of rebuilding. After nearly a week later a woman from XXXX whom i might add was extremely helpful told me this was clearly a mistake on Bridgecrest 's behalf and the car was financed in my name but brought by someone else, I attempted to file a police report and gave a statement to Officer XXXX  from XXXX XXXX police, he stated as of yet this is not Identity theft but clearly a major financial mix up on the finanace company Bridgecrest.. XXXX contacted me again on XXXX of XXXX and stated it was solely a Bridgecrest matter and someone would contact me on the next buisiness day. No one reached out to me so I reached out to them again and still the same run around, since the ordeal this has shown up on my credit even if it is removed this will impact my credit as well as myself and my families financial future.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: GA

Complaint narrative:
My rights were violated pursuant to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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:
Experian was sent a dispute letter XX/XX/2020 regarding an account from XXXX XXXX XXXX in the Amount of : {$1600.00}. ( acct # attached a copy of the police report filed in an identity theft case that was opened. Both XXXX and XXXX have sense removed the account, yet Experian has not when I made it very clear that potential fraudulent activity on my credit report was being investigated.

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 2020-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have disputed several accounts from my credit report with XXXX XXXX, and Transunion. I have sent a total of XXXX different letters asking for a response and have yet to be notified that an investigation has even been started on my behalf. The letters were sent on the following dates : Letter XXXX : XX/XX/2020 XXXX XXXX : XX/XX/2020 XXXX XXXX : XX/XX/2020 XXXX XXXX : XX/XX/2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have disputed several accounts from my credit report with XXXX, Experian, and XXXX. I have sent a total of XXXX different letters asking for a response and have yet to be notified that an investigation has even been started on my behalf. The letters were sent on the following dates : Letter XXXX : XX/XX/2020 XXXX XXXX : XX/XX/2020 XXXX XXXX : XX/XX/2020 XXXX XXXX : XX/XX/2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: DISCOVER BANK
State: FL

Complaint narrative:
XXXX XXXX XXXX and Discover do not update the free credit score/fico score like all my other cards, the only time it get updates is when I call XXXX. When I call XXXX XXXX XXXX or chat with discover they said it is up to XXXX XXXX to update when i call XXXX  XXXX  they say banks have to report. I have approx 10 credit cards all paid off and XXXX XXXX XXXX and discover is the only ones not updating my score. With other credit cards my score is XXXX and XXXX XXXX XXXX have me at XXXX-it stayed at XXXX for a few months when others updated monthly. Discover finally have me at XXXX and have not updated since XXXX. XXXX XXXX XXXX denied me home loan because of my credit score several years ago and now they refuse to update my fico score consistently like other credit card companies that also get their reports from XXXX XXXX, so I can get a better interest rate and loan amount/ XXXX  fico score XXXX Discover credit score XXXX all other credit cards XXXX - XXXX The only reason these to cards changed there score at all is because I was constantly calling them and XXXX  XXXX for awhile they both was still reporting XXXX after other cards had me over XXXX. I feel like they do not want to up my score appropriately so I don't have access to home loans. I feel I am being discriminated by these to entities. Yes I am XXXX American.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of American and XXXX do not update the free credit score/fico score like all my other cards, the only time it get updates is when I call XXXX. When I call bank of america or chat with XXXX  they said it is up to XXXX XXXX to update when i call XXXX XXXX they say banks have to report. I have approx 10 credit cards all paid off and bank of american and XXXX is the only ones not updating my score. With other credit cards my score is 758=780 and Bank of American have me at XXXXit stayed at XXXX for a few months when others updated monthly. XXXX finally have me at XXXX and have not updated since XXXX. Bank of American denied me home loan because of my credit score several years ago and now they refuse to update my fico score consistently like other credit card companies that also get their reports from XXXX XXXX, so I can get a better interest rate and loan amount/ BOA fico score XXXX XXXX credit score XXXX all other credit cards XXXX - XXXX The only reason these to cards changed there score at all is because I was constantly calling them and XXXX  , for awhile they both was still reporting XXXX after other cards had me over XXXX. I feel like they do not want to up my score appropriately so I don't have access to home loans. I feel I am being discriminated by these to entities. Yes I am 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 2020-11-11 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: CBC Companies, Inc.
State: CA

Complaint narrative:
I periodically check my credit profile and noticed several inquiries that I don't recognize. Please remove the following off of my XXXX  File : FACTUAL DATA Finance Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: RI

Complaint narrative:
This complaint is about a request for personal information and a concern for identity theft. 

I received calls from XXXX on XX/XX/20, which my phone listed as potential spam. I answered and was told that the call was from a debt collection agency that was collecting a debt of {$100.00} from an energy company, asking me how I wanted to pay. I hung up and called the energy company ( I don't remember, it may have been XXXX XXXX ) and was told I needed the account number to check if I had an outstanding debt. 

I called the 855 number back, spoke to a different operator who gave me the name of the town I was living in at that time. He said he did not have the account number for the energy company. He asked for my current address and last four of the social, which I XXXX  gave him. He said he was going to follow-up and mail the billing information to me. 

I have not received a bill yet, although my mail is currently being forwarded to a temporary address. I am fairly sure that this was a scam.

Company response to consumer: Closed with explanation