vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-08 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: NJ

Complaint narrative:
I have addressed these issues multiple times to the Bureaus and furnishers with all the documents attached but what I get after these attempts was nothing except for errors, inaccuracies, and unverified remarks which are hurting my credit. I hope this time you can take action in accordance with the practices required by FCRA which some are providing feedback to the consumer 's request and information with100 % accuracy. Here, again, are the items that I am disputing for I believe they are erroneous and fraudulent : Charge off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XXXX XXXX I was denied an extension of credit by Bank of America thru XXXX XXXX XXXX XXXX XXXX. According to the equal credit opportunity act it is against the law to proclaim adverse action against a consumer pursuant to 15 USC 1691 ( c ). Civil liability has been assumed pursuant to 15 USC 1691 ( k ). Proof and evidence I have of the discrimination is the letter dated XXXX XXXX. This will be considered an unauthorized use since I have received no benefit. 15 USC 1681m, 15 USC 1642, and 12 CFR 1002 can be noted as well if my federally protected consumer rights violations.

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 2022-03-08 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:
Trans Union is in violation of the Fair Credit Reporting Act and they are damaging me daily. I have requested that Trans Union ensure maximum possible accuracy of the information they compile in my consumer file and report about me in consumer reports. I have been disputing the same information that is not 100 % accurate since XX/XX/XXXX. When Trans Union refused to delete the incorrect and incomplete information in my consumer file, I sent follow up dispute letters demanding deletion on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Because Trans Union refused to delete information that I provided proof of inaccuracy, I sent evidence from the California Secretary of State showing that companies did not exist in my state. I also requested a 609 full disclosure on my entire consumer file in writing since it appears that Trans Union has information that I am not privy to that refutes my disputes. Trans Union can not possibly validate and verify any information they are refusing to delete being that the alleged creditors do not exist. I have no recourse against any of the listed creditors as they do not have registered agents for me to serve legal process in California. Is Trans Union conspiring against me with entities that are elusive to me? It appears that Trans Union has some vested interest in continuing to damage me. 

Trans Union has refused to send me the 609 full disclosure of my entire consumer file in writing within 15 days. I sent it to Trans Union 's registered agent in California, so they can not say that they did not receive it. I also gave them a copy of my ID card. 

I have also requested that Trans Union delete addresses that do not belong to me. I can not and do not receive any important and/or legal mail at any address other than what I've provided to them. I demand that any and all other addresses immediately be deleted as I've been requesting. They do not have my permission to have any other address associated with me. This will expose me to identity theft attacks. 

I demand deletion of the information listed below. Trans Union can't possibly send my dispute to a company that does not exist and they have never provided me the address of the entity. Therefore, no further investigation is necessary. DELETE the accounts instead of continuing to harass me, defame my character, and damage me.

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 2022-03-08 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: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
On XX/XX/XXXX I contacted chase bank due to fraud on my account. Chase told me not to worry and then sent out a new card. Come XXXX XXXX XXXX I notice an unauthorized charge from XXXX and they tell me it somehow processed on my old card and not to worry because I would not be responsible for this charge. XX/XX/XXXX I get a letter stating that I told them this charge was valid and that is a flat out lie. The charge was for XXXX which is a significant amount. My fear is that now I need to get legal representation because they say had an investigation but never asked me for any information. Everytime I call I am hung up on or transferred and transferred and transferred and then that person will tell me not to worry and that I am not responsible for those charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Portfolio Control Inc.
State: IL

Complaint narrative:
I have XXXX XXXX who informs me when I have a negative mark on my credit. A collection agency I believe it is Central Portifolio Cont with sending me anything to dispute this debt has shown up on my credit as an unpaid bill. By law the are required by law to send you written notification on a debt which in this case they did not. Which you then are allowed to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
I have had a Kohls Charge Credit Card for 9 years. For the 9 years of having this credit card I either went to the store and made a payment in person, or I called on the phone or did a one-time payment on the website. 

In XX/XX/2021 I forgot to make my payment by a few days, once I remembered I called Kohls, they reversed the late fee no problem and I processed my payment for the minimum due. After almost forgetting to make that payment, I decided I should just sign up for automatic payments so this didnt happen again. My bank account information was already saved in my account so all I had to do was set it up for the automatic payments, which I thought I had done. Next payment for XX/XX/2021 was suppose to be automatically drafted from my account, and then XX/XX/2021. Apparently the automatic payments didnt process. The 9 years of having this charge card this was my first time setting up the automatic payments and for some reason it didnt go through, possibly could have been an error on Kohls end. I was unaware of the XXXX and XXXX payment not going through, until I received a call from Kohls saying I was 2 months late, which I thought was a mistake and this was a scam caller because at that time, which I had thought I made my automatic payments. The rep. Told me I didnt make the payments, He told me if I paid the balance in full he would waive the late fees and the late payment wouldnt be reported. The late fees got waived but the late payment was reported which drastically dropped my credit XXXX points! 9 years I have never had an issue like this with Kohls, and after the late payment got reported I reached out several times to kohls and they said they cant do anything, even though they said they wouldnt report the late payment especially since this hasnt happened to me before and Ive never called them with a problem like this. This late payment is the only thing affecting my credit score, I havent had a late payment like this in 6-7 years and because of their website thats already difficult enough navigating through and didnt process with my automatic payments, I have to go through this. Not hard enough that at that time it was still COVID-19 and considered a natural disaster like everybody wasnt struggling enough, they couldnt even do a 1 time courtesy, or a good will adjustment due to all the circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: NCB Management Services Inc.
State: FL

Complaint narrative:
This account has been paid for and nobody wants to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: CA

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2022, I sent a letter to equifax about items furnished on my credit report without my consent. I am furious as these items are damaging me as a consumer XXXX cant even purchase a house because of it. It has been over 30 days and I have yet to receive a response!!! This is absurd

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I, the consumer XXXX XXXX, received a notice on XXXX, XXXX, 2022 via email that TRANSUNION credit reporting agency placed an account from XXXX XXXX XXXX for {$1300.00} in collections. Which is a violation of 15 USC 1681c ( a ) ( 4 ), for any accounts placed in collections and charge offs must be excluded from my consumer report. I never gave Transunion, a written permissible purpose to furnish ANY account or information on my consumer report pursuant to 15 USC 1682b ( 2 ). Transunion, has failed their responsibilities of accuracy and fairness due to reporting information and communicating with a 3rd party about me the consumer which is a violation and no respect for my right to privacy, pursuant to 15 USC 1681 ( 4 ). TransUnion, actions have lead to damages and injuries in my life such as but not limited to ; tarnished my reputation, caused XXXX, marital issues, and my lack of confidence in the banking system due to the WILLFUL NONCOMPLIANCE of the Fair Credit Reporting Act ( FCRA ). ( 15 USC 1681n )

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 2022-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
Credit acceptance was paid in 2018 after an accident. Insurance paid total loss of car. This account was closed. The company is committing fraud by keeping account open and still accumulated charges after debt and amount was settled. They are providing false information stating account is open and they are still charging m9nthly charges when the car was sold to Insurance company. Credit acceptance agreed to amount check was issued. The company has been performing abusive acts by false reporting each month and past harassing collection calls

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 2022-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: LA

Complaint narrative:
I dont understand why this company keeps doing this, they are relentless! 

Multiple times throughout XXXX I have been able to get these alleged debt accounts removed off my credit but this company keeps coming after me and now its continuing into XXXX. 

Im tired of this, these debt accounts were previously removed from my credit and credit report with all 3 credit bureaus several times! 

I want this to be the last time and for good! This is not right that these companies are doing this to us. Like most people in the United States, I was affected by Natural Disaster COVID-19 : JXXXX XXXX. Going through Divorce : XXXX XXXX. My Ex-Husband is Responsible for this Account and again these accounts were previously REMOVED from my Credit several times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This account has been paid for and nobody wants to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This account has been paid for and nobody wants to remove it.

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 2022-03-08 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: MT

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please ELIMINATE the following accounts completely from my Credit Report : XXXX XXXX XXXX, XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XXXX XXXX I was denied an extension of credit by Wells Fargo Auto thru XXXX XXXX XXXX XXXX XXXX application # XXXX, as you may be aware it is against federal law thru the Equal Credit Opportunity Act to proclaim adverse action against a consumer pursuant to 15 USC 1691 ( c ). Wells Fargo auto is assuming covial liability pursuant to 15 USC 1691 ( k ). My consumer rights have been violated thru the laws in place by congress, proof and evidence I have is the letter mailed to me on XX/XX/2022 from Wells Fargo auto. Also note 15 USC 1681m ,15 USC 1642 and 12 CFR 1002. I would hope Wells Fargo can rectify this situation for the use of my social security number!

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 2022-03-08 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: EQUIFAX, INC.
State: MT

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please ELIMINATE the following accounts completely from my Credit Report : Original creditor : XXXX, Original creditor:XXXX, Original creditor : XXXX, Original creditor:XXXX, Original creditor:XXXX, Original creditor:XXXX, Original creditor:XXXX, Original creditor:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: Experian Information Solutions Inc.
State: MT

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please ELIMINATE the following accounts completely from my Credit Report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2022-03-08 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: IL

Complaint narrative:
I just recieved my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile. This has been a rough time during the covid 19 pandemic outbreak

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 2022-03-08 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: CA

Complaint narrative:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureaus, as willful negligence and non-compliance with federal statutes. Please UPDATE the account in my Credit Report : XXXX XXXX BANK 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 2022-03-08 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: SC

Complaint narrative:
Submitted information several times via USPS, Experian Upload, and directly to Experian through my credit monitoring application. The information was what I was told directly from them that I needed to remove the file. Both XXXX and XXXX have removed the account. My first submission was in XXXX of 2021, then again in XXXX and XXXX. I have an account that paid in full with a zero balance thats only reporting on Experian. This account should have been deleted once is was paid in full. Experian will not tell me why they won't remove it. They continue to verify this account electronically and not do a investigation.

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 2022-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO

Complaint narrative:
A debt appeared on my credit report with no notification. When I contacted the company for verification they said they would send it. I did not receive anything. Then when I reached out again they said they would settle for 50 %. I explained that I had no idea where the debt came from and was told that I would receive a email. I still havent received anything from the company.

Company response to consumer: Closed with explanation