vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-05 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: OH

Complaint narrative:
The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. Also, the credit bureaus DID NOT include an account number as to the claim on my report, thus indicating that the account is fraudulent. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. The account from XXXX XXXX XXXX doesn't have an account number which furthers the validity of the=is claim. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2021-07-05 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:
ive viewed my credit consumer report and notice theirs alot of unrecognizable inquires that has been placed on my consumer file, XXXX  on XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX Under 15 u.s. code 1681b-permissle purpose of a consumers report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to which it relates. 
I XXXX XXXXXXXX XXXX never gave______________________________any written consent to report anything on my consumer report, NO consent is identity theft .a copy of the law is attached along with this dispute letter. 
and to add on the 3 major reporting bureaus are also at fault due to the fact that their are well aware of the following subchapter 15 u.s code 1681b ( a ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc.
State: VA

Complaint narrative:
This all happened on Saturday XX/XX/XXXX. 

Somebody changed the phone number on my account and then made a bunch of instacash advances of {$100.00} and then paid it back using my linked debit card and then took out a bunch more advances and then did that once more. Over {$1700.00} in advances were made and over a XXXX dollars of it repaid from my checking account. I called and reported this right as I saw it. 

After getting off the phone with the support lady I saw an email that said the phone number on my account XXXX was used to connect to a DIFFERENT account and was then disconnected from MY account. I told the lady on the phone several times that that was NOT my phone number. So why, after I reported this was this phone number allowed to connect to another account?! How is that not flagged as suspicious activity? I have been unable to change my phone number back until today, XX/XX/XXXX. I was told that you cant change your phone number twice in one day for security measures. Well how about instead of that, you use two step authentication to change anything? Something that isnt offered with this service, and if it is I havent been able to find out how to use it. 

I have so many questions. After this person changed the phone number and then immediately after started making multiple large instacash withdrawals, why wasnt that flagged as suspicious activity? And after they paid back the advances and then made MORE advances, why was that not flagged as suspicious activity? When they used all of the advanced funds to make two large purchases from a place in XXXX XXXX WHY WAS THAT NOT FLAGGED AS SUSPICIOUS ACTIVITY? And why, after I called to report this fraudulent activity, was my virtual card still active? 

I spoke with a woman from their fraud department directly after I saw all of this and reported it to her. That was also on XX/XX/XXXX. I called and spoke with her at XXXX [ EST ]. Nothing was done then nor could anyone tell me what was going to be done. This person took thousands of dollars from me and made a bunch of cash advances in my name. This is very clearly fraud. The area code of the phone number they used when they changed the phone number on my account didnt even match the state that I live in. There were so many red flags that their system should have detected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 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: FL

Complaint narrative:
ive viewed my credit consumer report and notice theirs alot of unrecognizable inquires that has been placed on my consumer file, XXXX on XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX and XXXX XXXX Under 15 u.s. code 1681b-permissle purpose of a consumers report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to which it relates. 
I XXXX XXXXXXXX XXXX never gave______________________________any written consent to report anything on my consumer report, NO consent is identity theft .a copy of the law is attached along with this dispute letter.

and to add on the 3 major reporting bureaus are also at fault due to the fact that their are well aware of the following subchapter 15 u.s code 1681b ( a ) ( 2 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NH

Complaint narrative:
A fraudulent account is reporting on my credit from Credit Collection Serv Account # XXXX. This account is not mine. The reporting of this account is having an adverse effect on my credit files.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 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 — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
I have a Credit Card VS backed by Comenity Online bank. This card had 1 late payment 3years ago. I need them to remove the negative mark and stop sabotaging my score. I have written to them and they feel it's fair to keep this on my report. What can I do about this. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 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: MO

Complaint narrative:
Experian will not correct information for my XXXX XXXX accounts although the company has written a letter stating the changes are to be made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-05 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: United PanAm Financial Corp.
State: FL

Complaint narrative:
on XXXX XXXX & XX/XX/XXXX XXXX i received numerous notifications that their has been numerous inquires made to my consumer credit report in which i had know knowledge of, issued by the following companies : XXXX XXXX on XXXX, united auto credit company on XXXX XXXX XXXX card on XXXX XXXX/XXXX  car sale on XXXX XXXX and us small administration on XXXX XXXX XXXX : Under 15 u.s. code 1681b-permissle purpose of a consumers report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to which it relates. 
I XXXX XXXX XXXX never gave these XXXX XXXX  on XXXX, united auto credit company on XXXX XXXX XXXX card on XXXX XXXX/XXXX  car sale on XXXX XXXX and us small administration on XXXX XXXX. written consent to report anything on my consumer report, NO consent is identity theft .and to add on the 3 major reporting bureaus are also at fault due to the fact that their are well aware of the following subchapter 15 u.s code 1681b ( a ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 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: FL

Complaint narrative:
on XXXX XXXX & XX/XX/XXXX XXXX i received numerous notifications that their has been numerous inquires made to my consumer credit report in which i had know knowledge of, issued by the following companies : XXXX XXXX on XXXX, XXXX XXXX XXXX XXXX on XXXX XXXX XXXX card on XXXX XXXX  car sale on XXXX XXXX and us small administration on XXXX XXXX XXXX : Under 15 u.s. code 1681b-permissle purpose of a consumers report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to which it relates. 
I XXXX XXXX XXXX never gave these cXXXX XXXX  on XXXX, XXXX XXXX XXXX XXXX on XXXX XXXX XXXX card on XXXX XXXX car sale on XXXX XXXX and us small administration on XXXX XXXX. written consent to report anything on my consumer report, NO consent is identity theft .and to add on the 3 major reporting bureaus are also at fault due to the fact that their are well aware of the following subchapter 15 u.s code 1681b ( a ) ( 2 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-05 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ACCESS GROUP INC.
State: FL

Complaint narrative:
I received letter dated XX/XX/XXXX, related to student loan debt from XXXX, XXXX XXXX XXXX XXXX, XXXX. Within 30 days, or on XX/XX/XXXX. I wrote to them to let them know that I disputed the loan was past due. To date, I have not heard from them. The same date, XX/XX/XXXX, the loan was reported to XXXX  credit bureau as a collection account. 

I made several attempts and provided documentation to XXXX to get the collection status removed as I had it removed in the past with previous debt collectors. XXXX representative ( XXXX XXXX, on XX/XX/XXXX ) stated that they could not provide me with information on how the debt was verified and that my option to contact Customer Financial Protection Bureau. 

I would greatly appreciate your assistance in resolving this issue. I was paying the loan as agreed and fell behind because of my ongoing divorce matter. The payment sent was returned to me while I have another student loan that is current in payment with the same lender, Access Group. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/21 I noticed charges on my Citi Rewards Card in the amounts of {$660.00} and {$160.00} ( and some others that I can't see now because they don't show on my online statement ). For some reason, Citi has deleted the original account from my few so when I go to to my account online I can't see them and am therefore unable to provide data on the other charges. These charges all posted from hotels in XXXX, GA.I live in XXXX XXXX and have never booked at these hotels, stayed at these hotels, thought of staying at these hotels, and haven't traveled in a year and half due to Covid. I called Citi immediately about these fraudulent charges as soon as they showed up on my account and they said they would take these charges off my card. The originally gave me a credit of {$250.00} which seems like a random amount. This amount has since been charged back to my account. I asked them to close the account and issue a new card. The new card arrived ( # XXXX XXXX XXXX XXXX ) and these charges continued to show. I called numerous ( numerous!! ) times and kept getting the run around. They then said they'd close the replacement card ending in XXXX and sent me a new card ( # XXXX XXXX XXXX XXXX ). I was then advised during one of my calls to them that they contacted the hotel and came to the conclusion that these were definitely my charges and they then put them back on my card. They kept referring to a letter that they sent me which I never received. When I finally found the letter online ( buried in their website without an alert even though it had a deadline ), it had a copy of the hotel 's receipt which showed the person who used my card was " XXXX XXXX ''. I am XXXX XXXX, I have no children and no relatives by this name. My husband 's name is XXXX XXXX. I have called repeatedly since my account NOW shows that I owe a total of {$910.00} and they refuse to let me speak to anyone helpful in the fraud department. They keep saying they'll take my information and investigate further and I'll receive another letter from them. I am at my wits end. The person I spoke with today actually asked me if I had filed a Police Report. My card was never stolen, was never out of my possession, and I never claimed it was stolen. Why would I file a Police Report? Please help. I want to close this account and never do business with Citi again but I can't do that until this gets resolved. My fear is that they will allow additional charges to be charged to my credit card and hold me responsible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-05 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: GA

Complaint narrative:
In XX/XX/XXXX, I was XXXX  and was put on XXXX due to being XXXX XXXX XXXX. My payments failed behind due to lack of work with my XXXX. I had my son in XX/XX/XXXX. I called in XX/XX/XXXX to get my account back in good standing. So I only had late payments from XX/XX/XXXX - XX/XX/XXXX. I went back to work in XX/XX/XXXX but then Covid hit in XXXX of XXXX and I still made payments on time during Covid. 

I was making on time payments and using the card after XX/XX/XXXX. I tried to use my card in XXXX of XXXX and the card was declined. I didn't know my account was closed in XX/XX/XXXX. Since then the company has been reporting my account with current late payments. I have called and asked why was my account close and the only thing I received was a copy of my credit score. The letter did not tell me why my account was closed. This company is affecting my credit report with these late payments. I have asked to speak with a supervisor and they said they can not put a supervisor or manager on the phone. I spoke with a rep on XX/XX/XXXX and she stated if I made a payment the account would be reopen and the account is still closed. 

I can not access my account or do anything. Why is the company reporting recent late payments on a card that has been charged off? Its bad enough people have to deal with the issues with Covid19 and then the company is making your credit look bad by reporting inaccurate information. 

Company : XXXX XXXX XXXX/My XXXX XXXX XXXX Credit Card XXXX XXXX XXXX XXXX, OH 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 2021-07-05 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: Royal Pacific Funding Corporation
State: CA

Complaint narrative:
I have been XXXX since XXXX of XXXX and filed a forbearance request with my mortgage lender, Royal Pacific Funding. I received a letter from the lender dated XX/XX/XXXX detailing my temporary hardship forbearance plan. I followed up with a phone call in order to confirm the information in the letter. The representative from the processing company, XXXX, confirmed that the plan was approved and no payment was due until XX/XX/XXXX. I was told I would be contacted to discuss re-payment options at the appropriate time. 

On XX/XX/XXXX, I had not received any communication from the lender so I called to get a status on my loan. I was told that the loan had been transferred to another servicer, XXXX, and the paperwork had not been fully transferred over to the new servicer so they would be in contact. In XXXX I began receiving letters that my payment was late so I called back to find out why I was receiving the notice. I was assured that it was sent in error and not to worry as it would not affect my credit. 

In the ensuing weeks, I called repeatedly, ( no less than 10 times ), and was given the same explanation and the notices continued, including a notice that the load was not in default. Last week, I received a notice from the credit bureau that my score had dropped 38 points because of this issue. I contacted the lender and was told they would correct the issue on call me back on Wednesday, XX/XX/XXXX. 

I have yet to receive a call back and the issue has not been resolved. This company, Royal Pacific Funding, has been completely negligent in how they have handled my account and have completely ruined my credit in the process. 

Your assistance is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/XXXX, I entered into a HELOC with XXXX XXXX XXXX. XXXX  XXXX XXXX is no longer exists. This HELOC was sold to XXXXXXXX XXXX XXXX, then to XXXX, and it ended up with Bank of America. On XX/XX/XXXX, I received a letter from Bank of America stating that Bank of America had approved my Home Equity account for participation in a principal forgiveness program offered as a result of the Department of Justice and State Attorneys General national settlement with major mortgage servicers, including Bank of America, N.A. I was given a full forgiveness of the remaining principal of {$32000.00} on my Home Equity Line of Credit Account and was informed that I no longer owed anything to Bank of America and that all fees and interest were being waived. At this time, Bank of America should have filed a lien release with XXXX XXXX, State of Washington and they did not. 

On XX/XX/XXXX, I applied for a new HELOC to do some home improvements to my home and to pay some debts. On XX/XX/XXXX, I learned that a lien release was never filed. I have talked to numerous people at Bank of America. On XX/XX/XXXX, I was told that the lien release would be filed with XXXX XXXX, State of Washington by XX/XX/XXXX. It was not. I followed up with Bank of America on XX/XX/XXXX and was told that it would be taken care of by XX/XX/XXXX. I went on vacation on XX/XX/XXXX and did not return until XX/XX/XXXX. My new lender informed me on XX/XX/XXXX that they didn't have the lien release. On XX/XX/XXXX, I again followed up with Bank of America. They informed me that they sent a copy to my on XX/XX/XXXX. I did not receive it. They also told me that they would email a copy to me. They have not emailed a copy to me. I have done my own search on the XXXX XXXX website and do not see record of a lien release filing. Bank of America continues to lie to me. They should have filed this lien release on XX/XX/XXXX. Due to their negligence, my new loan has been delayed for over two months now. 

Any assistance that you can provide will be appreciated. Thank you in advance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX WA XXXX Email : XXXX 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 monetary relief
Consumer complaint received 2021-07-05 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: CORELOGIC INC
State: VA

Complaint narrative:
My Credit was ran with this company without my permission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 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: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
My Credit was ran with this company without my permission.

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