vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-02 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: AR

Complaint narrative:
I have disputed items on my report 4 different times now. I dispute inquiries that I had no idea was on my report. I have also called and spoke with the dispute department and was told that the inquiries was verified and will remain on my report. The only inquiry that is supposed to be on my report is XXXX XXXX. 
The inquiries couldn't have been investigate because I am the original creditor and I did not give my permission to anyone at Transunion and I have not made any other inquiries. In my dispute I ask for proof of verification and not a letter saying that it was verified. I am a natural person, consumer and original creditor of the United States Corporation. Transunion continues to violate my consumer rights and several laws of the FDCPA.

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 2021-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Accurate Background
State: CA

Complaint narrative:
I've been waiting for a background check for a job with XXXX since XX/XX/2021 the company accurate background keeps telling me that it'll be done in 2 to 3 days XXXX keeps telling me I just need to wait well that doesn't pay the bills so I'd like to file a complaint against accurate background for taking so long to complete the background check

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Auto Loans, Inc.
State: OH

Complaint narrative:
This debt has been falsely added to my credit report and has negatively affected my credit.

Company response to consumer: Untimely response
Consumer complaint received 2021-11-02 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: MD

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc.
State: OH

Complaint narrative:
This debt has been falsely added to my credit report and has negatively affected my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a Bank of America customer and have a direct deposit set up for {$250.00} per pay period. On XX/XX/2021 I received an email notification from Bank of America advising me that my direct deposit for XXXX XXXX was posted to my account. Since I am a XXXX XXXX  and was working on XX/XX/2021, I decided to wait until today ( XX/XX/2021 ) to make a transfer from my Bank of America checking account to my XXXX XXXX XXXX XXXX account, using my debit card for an immediate credit, but when I tried to transfer the {$250.00}, I received the information that my transaction was not completed, so upon verifying my Bank of America account, I noticed that my available balance was {$100.00}, and there was a pending transfer transaction to XXXX XXXX XXXX XXXX in the amount of {$250.00}. Since every time I make transfers to XXXX XXXX XXXX XXXX from Bank of America with my debit card, I receive immediate credit ; and I did not make a transfer today, I also noticed that the transaction was showing as " checkcard transfer '' which whenever I make transfers with my debit card, it shows as " transfer to XXXX XXXX ''. To insure I was correct, I verified with XXXX XXXX XXXX XXXX that no credit in that amount was posted to my account today, and then contacted Bank of America to file a dispute on a fraudulent transaction. I was told by a representative that nothing could be done as far as disputing the fraudulent transfer made on my account. I was then transferred to a second representative named XXXX at the Disputes Department, who said that a dispute could not be placed and the only thing she could do for me was to shut my debit card and order a replacement, but no other action was taken and my funds are still being held on that fraudulent transaction, making me late for my rent payment due today.

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 2021-11-02 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: NV

Complaint narrative:
XX/XX/2021 I submitted request for equifax to investigate the accuracy of a charged off XXXX XXXX account on my report. I was notified that the account reportings were accurate and are following the FCRA guidelines. This account has repeatedly reported a charge off account monthy until current and has also updated the credit limit on XX/XX/2021 and then again on XX/XX/2021. A charged off account should not have movement and should not update credit limit increases and decreases after charged off. I dont believe an accurate investigation was completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: CA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, wrong information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
This company is in Violation of multiple FDCPA laws. I see that this company is reporting unverifiable and inaccurate information on my credit report. I do request a validation of debt letter but Pursuant 15 U.S.C. they were to notify me of this in writing 5 days prior, I was not. as the Original creditor, I Only can validate this Debt. i do not validate this Debt. I demand this company to stop reporting unverifiable and inaccurate information on my credit report and I also will like this company to cease all forms of communication with me Through any and all mediums.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL

Complaint narrative:
Wakefield Associated closed my account out and I need them to reopen my dispute for review. 
A. Wakefield violated me by not contacting me about a debt I supposedly owed B. Wakefield violated attaining by personal information without my consent and transferred to their corporation.

D. They neglected to provide me with proof bearing my wet ink signature file or accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer report. 
C. I also had a lawyer at the time of debt so this debt was not supposed to appear on my credit report.

According to 18 U.S.C 1028 A- Aggravated identify theft Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. You violated this law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: OH

Complaint narrative:
This debt has been falsely added to my credit report and has negatively affected my credit.

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 2021-11-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Leased a XXXX XXXX XXXX in XX/XX/XXXX. During the COVID-19 pandemic, I deferred a payment to the end of the term. All my payments have been made on time. XX/XX/XXXX, I made a payment for XX/XX/XXXX due date. Early XXXX I called Chase as the payment had not credited to my account in full. Chase 's Agent stated that they would " investigate '' the claim and fixed the issue, as my bank reported a charge for the exact monthly amount of the lease ( {$280.00} ). On XX/XX/XXXX, I made my XXXX payment for the exact amount of {$280.00}. It is now XX/XX/XXXX, and Chase has yet to credit my account more than {$10.00} despite my weekly calls. Chase has now assessed two late fees to my account, despite my having made payment.For a solution, I would like to see the account credited the full amount of {$280.00}, as well as the late fees taken away, and my credit report repaired. It is unfair to take my money and not credit my account by the same amount I had paid. It is also unethical to damage my credit with " late payment charges '' when I had made my payment for the months in question.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
I am a victim of Identity Theft, I have filed a police report and FTC Report, Identity theft Complaint and Affidavit for the account that appears on my credit report but doesn't belong to me : SANTANDER XXXX This account should be removed from my report immediately. 
I keep receiving phone calls from Collection, I have attached a copy of my phone screen that I have received phone call from SANTANDER even after I asked not calling me sand I have sent all supportive documents to proof my statement

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
report in accurate information says i had late payments XXXX and XXXX of XXXX & a repo in XXXX of XXXX. This is incorrect and wrong If you can see on my bank statements i have paid for XXXX in the XXXX statement I paid $ XXXX on XX/XX/XXXX and I paid $ XXXX, for XXXX on the XXXX of XXXX and XXXX i paid for that on the XXXX of XX/XX/XXXX I paid $ 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 2021-11-02 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: NY

Complaint narrative:
report in accurate information says i had late payments XXXX and XXXX of XXXX & a repo in XXXX of XXXX. This is incorrect and wrong If you can see on my bank statements i have paid for XXXX in the XXXX statement I paid $ XXXX on XX/XX/XXXX and I paid $ XXXX, for XXXX on the XXXX of XXXX and XXXX i paid for that on the XXXX of XX/XX/XXXX I paid $ 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 2021-11-02 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: Aargon Agency, Inc.
State: NV

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2021-11-02 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: Clark County Collection Service
State: NV

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on CLARK COUNTY COLLECTION ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by XXXX and XXXX. Despite sending them the letter, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, XXXX and XXXX have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : BRCLYSBANKDE XXXX Balance : {$0.00} ; BRCLYSBANKDE XXXX Balance : {$0.00}

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 2021-11-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
My initial complaint was on XX/XX/21 ( XXXX ). I have a HELOC with US Bank. This HELOC is tied to a court case that has been going on for almost 15 years. I have been in constant contact with US Bank, but it is so hard to talk to someone at HELOC department. The balance is approx. $ XXXX. I talked to a senior mortgage person ( Ms. XXXX XXXX in Texas ). In XXXX I got the first installment from Defendant for {$48000.00} which I immediately deposited to my HELOC account ( A/C # XXXX ). 
There she kept saying : Our conversation is on recorded line! I wanted to know what will be the balance of my HELOC after this payment and she said {$170000.00}. and she continues if you pay the interest of {$740.00} the balance will be current and it is {$170000.00}. I did deposit {$740.00} the next day. Now that I am refinancing my first mortgage and HELOC, they are calculating a crazy amount of INTEREST ( over {$2.00} XXXX! ). She also promised to correct the wrong reporting to the credit bureaus! ( 11 times ). I am a XXXX-year-old mother with XXXX XXXX struggling to keep my home which I have been living in for the past 25 years. I will be so happy to just get rid of US Bank. They are terrible.

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 2021-11-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
Savings account closed due to unpaid monthly account fees {$4.00} ( 2 ) months and {$30.00} service fee for inpatient of 2 monthly account fees. 

I sent a message to close this account, although I never followed up. 

Account went unnoticed for approx 3 months. 

I never received notification of negative balance Until notice of {$37.00} due and account closed. 

Paid balance due at bank.

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 2021-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
XXXX  : {$2800.00} Total Phx Financial Services : {$4500.00} XXXX  XXXX  XXXX  : {$710.00} My medical information was shared with a collection agency, XXXX XXXX XXXX, Phenoix Financial Services & XXXX XXXX  XXXX  I am being charged I've attempted on XXXX  occasions sending letters to XXXX  XXXX XXXX, Phenoix Financial Services & XXXX XXXX  XXXX  for debt validation in XX/XX/XXXX and XX/XX/XXXX, and each time the company has failed to validate the debt bearing proof of my signature or any contract I signed for Account Resolution Services, Phenoix Financial Services & XXXX XXXX  XXXX  to have authorization to collect a debt. Instead XXXX  XXXX  XXXX, Phenoix Financial Services & XXXX XXXX  XXXX  has sent a notice of amount due and medical information, services of lab work done which I know is a direct violation of HIPPA regulations. I've written the three credit agencies in XXXX XXXX and XXXX XXXX explaining that XXXX XXXX  XXXX, Phenoix Financial Services & XXXX XXXX  XXXX  has violated my medical rights committing a HIPPA violation, did not validate the debt or have proof of my signature, and to correct my credit file. Now I ask that you investigate this direct form of violation and please delete this information from my credit file and cease all collection activity immediately.

Company response to consumer: Closed with explanation