vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-15 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: OH

Complaint narrative:
I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. This action was initiated without any proof from any of the companies reporting. These inquiries are Not Factual since I've never authorized them. The FCRA requires Credit Bureaus to follow up and investigate those inquiries in question or delete. 
XXXX XXXX XX/XX/XXXX TransUnion XXXX/XXXX XXXX XX/XX/XXXX TransUnion XXXX/XXXX XXXX XX/XX/XXXX TransUnion XXXX/XXXX  XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX  XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX TransUnion US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX  XXXX XXXX  XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX/XXXX  XX/XX/XXXX TransUnion

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 2020-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX is constantly reporting that we have a delinquint account 60 days old. We have not had any dealings with this company since XX/XX/XXXX. We purchased the car in XX/XX/XXXX and had problems from day one, The vehicle cut off on me in the middle of the road and I had it towd back from XXXX to XXXX. I informed them ogf the problerm and asked them to come and get the car and make the proper repairs. They would not and we informed them we were voluntarily returning it. They reported it as an involuntary Repo. The account is 7years and 9 months old. It should have came off our account this month from Experian. TransUnion has already removed it from our account 3 days ago, as well as XXXX. We want this removed from our report, since this account has been reported as closed.

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 2020-12-15 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: MD

Complaint narrative:
Transunion is reporting inaccurate erronious information on my credit report and refuses to correct it after i have asked the many times to the keep replying verified with the us court and the court denies the verification

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 2020-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
I paid off my mortgage on XX/XX/2020. Dovenmuehle issued an escrow check to me for an overpayment of {$2800.00}. I never received the check. I have called repeatedly asking for them to reissue my check and they have taken no action. I have called a dozen times seeking to get a resolution and no one is available to help. It's been a miserable experience. I need someone to help me. This is totally unfair. They have my money and I can't seem to get them to send it to me despite calling every day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: TX

Complaint narrative:
Transunion & XXXX, you issued my credit report in XX/XX/2017 to XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX ( XXXX ) refuses to talk with me and refuses to send me a copy of the credit report used. The date of the report will reflect XXXX did not have permissible purpose to access my credit. I am requesting Transunion and XXXX to have XXXX send proof of the permissible purpose used to access my credit report for loan # XXXX. XXXX needs to send dated copy of credit report and fully completed and dated copies of anything else XXXX  submits. I request Transunion and XXXX  to review and then remove immediately the negative listings on my credit report. Please do not request XXXX  to investigate and then simply state XXXX is reporting correctly. I request Transunion and XXXX to validate this since XXXX  refuses to.

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 2020-12-15 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: TX

Complaint narrative:
XXXX  & Experian, you issued my credit report in XX/XX/2017 to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX ( XXXX ) refuses to talk with me and refuses to send me a copy of the credit report used. The date of the report will reflect XXXX did not have permissible purpose to access my credit. I am requesting XXXX and Experian to have XXXX send proof of the permissible purpose used to access my credit report for loan # XXXX. XXXX needs to send dated copy of credit report and fully completed and dated copies of anything else XXXX  submits. I request XXXX  and Experian to review and then remove immediately the negative listings on my credit report. Please do not request XXXX  to investigate and then simply state XXXX is reporting correctly. I request XXXX  and Experian to validate this since XXXX  refuses to.

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 2020-12-15 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:
To someone in a position of authority that can help me resolve this issue, On XX/XX/2020, I wrote to you requesting an investigation into items that I believed were innaccurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. Section 611 ( a ) states that the failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It is currently 57 days, at this point these items need to be removed immediately. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply immediately with your investigation results. Since this is my second request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. I was also affected by the XXXX  data breach, and this problem could be the result of someone using my information fraudulently.

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 2020-12-15 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:
To someone in a position of authority that can help me resolve this issue, On XX/XX/2020, I wrote to you requesting an investigation into items that I believed were innaccurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. Section 611 ( a ) states that the failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It is currently 57 days, at this point these items need to be removed immediately. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply immediately with your investigation results. Since this is my second request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. I was also affected by the XXXX  data breach, and this problem could be the result of someone using my information fraudulently.

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 2020-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
a joint account with a XXXX XXXX from XXXX XXXX XXXX XXXX, XXXX, Florida XXXX. has been identified with theft since XX/XX/2015 to the current present day. I have reported this to Federal Trade Commission an the United States Supreme Court for the illegal activity has been going on with I XXXX XXXX XXXX and XXXX XXXX for the culprits are felons from XXXX County Florida, XXXX County, XXXX County XXXX, and XXXX XXXX XXXX Florida. is stealing and embezzlement and money laundering through the XXXX XXXX XXXX  XXXX XXXX of Mr. 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 2020-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE

Complaint narrative:
Transferred money from my savings account at Bank of America to an account at an unknown bank for rent deposit and payment. Online rental property information was a scam. Submitted a claim to Bank of America on XX/XX/2020 and have not been able to obtain any information about claim investigation other than denial letter. 
I have spoken with 2 fraud claims managers at Bank of America but have received none of the information requested and no return phone calls or communications.

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 2020-12-15 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: NV

Complaint narrative:
There are two accounts showing on my report from XXXX XXXX XXXX with the original creditor of XXXX that both show from this year ( XX/XX/2020 and XX/XX/2020 ). I have not been to any doctors, or had any medical procedures in over a year. This account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Home Loan Center, Inc.
State: VA

Complaint narrative:
This is what they texted to me : Congratulations, Hey, This is XXXX XXXX from the Lending Tree. Your loan application has been successfully approved up-to {$10000.00}. Your loan approval id - XXXX - XXXX LENDING TREE. 

-No upfront hidden fees! 
-No hidden charges. 
-Easy Installment.

If you still interested just reply Yes or call us back on Number. 

+ XXXX ( XXXX ) XXXX Kind Regards XXXX XXXX Extension : XXXX Lending Tree.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding 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 I'm being taken advantage of and being ignored of my disputes.

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 2020-12-15 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:
On XX/XX/2020 I sent a letter regarding 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 I'm being taken advantage of and being ignored of my disputes.

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 2020-12-15 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: CITIBANK, N.A.
State: NV

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XXXX XXXX XXXX and on XX/XX/2019, CITIBANK NA., BEST BUY add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-12-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Went to Bank of America ATM at coliseum XXXX, XXXX, va on XX/XX/XXXX XXXX I attempted to make a {$200.00} payment in the ATM and the ATM kept XXXX of my XXXX dollar bills. The machine did NOT add to my account or give me a receipt confirming payment. 

I put the returned {$100.00} bill that was given back to me back into the machine in a new transaction, and it went through with no problem. I report, lost if XXXX bill, same day ... ... and clerk stated it would take 7 days to resolve. It is now OVER TWO weeks and the bank is now telling me that it could take two MONTHS. 


I need to know what is going on and I need my {$100.00} payment credited ASAP. I am sure ATM machines get checked every day and they should have known that too much money came out on the day my XXXX dollars was taken. The bank will NOT credit my card.

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 2020-12-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA
State: MD

Complaint narrative:
I attended XXXX XXXX College 2018 The College has closed due to not meeting accreditation. My credit report reflects a balance from FedLoan Services Although, The College is Closed. I want this balance removed from my credit report as I cant transfer these invalid College credits. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am writing this today in regards to SYNCB/Care credit Account # XXXX, I have reached out to the bureaus along with SYNCB/Care credit to get more information about the reporting which seems inaccurate. I have gotten no response. I will list the issues below and then include a copy of the report. 
1. Date opened is not consistent 2. Date of last payment is not consistent 3. Date of last activity is not consistent 4. Date of first delinquency is not listed 5. Date closed is missing 6. Payment status is not consistent

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 2020-12-15 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:
XXXX XXXX  XXXX reported XXXX, XXXX, XXXX, XX/XX/2020 as late payments after receiving and accepting payments of {$280.00} each month none of which were late. Changes in escrow amounts taxes reflects a difference to {$310.00} which was later paid. XXXX XXXX did not open a suspense account or notify their intended action as they were supposed to have done. 
I have written to them by email and called a number of times asking to have the late payments remove as I am trying to refinance my house they have refused saying it is not an error. XXXX XXXX have displayed little or no concern to the harm they have done even during this covid situation where mortgage companies are asked not to report late payments they have no regards for consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: MA

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: GA

Complaint narrative:
I was told that I could reach out to you all regarding my credit. I have reached out to the credit bureaus and my accounts regarding things on my credit that is not mine. It even had alot of student loans. When I saw that I knew something wasnt right because I had to drop out of high school because I had a baby. Can you please help me with these accounts that are not mine XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX. Thank you and I also have contacted the FTC and the police. I'm also doing this on my own behalf.

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