vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-26 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: GA

Complaint narrative:
To Whom It May Concern : This letter is a follow up to my original letter regarding an inaccuracy in your credit reporting. Specifically, as it relates to unauthorized and fraudulent credit inquiries made by the following companies : XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Personal Loans Cos. 

XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Personal Loans Cos. 
( XXXX XXXX XXXX Inquiry : XX/XX/XXXX Personal Loans Cos. 

XXXX Inquiry : XXXX XXXX, XXXX General Clothing Stores XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Personal Loans Cos. 

XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Personal Loans Cos. 

XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Personal Loans Cos. 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. XXXX XXXX Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My credit score has dropped significantly in the last 30 days and all accounts have been paid at 100 %. When contacting the company i.e XXXX  & Experian I received a statement simply stating my score is accurate. I monitor my credit consistently and see no negative information. There is no information noted as to the reason for such a decline in my 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 2020-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
On XX/XX/XXXX, a deposit was made into my checking account in the amount of {$9600.00} and was shown to be available. I started drawing from those funds to pay various creditors, expenses, etc. At some point during the following week, someone at TCF National Bank decided to place a hold on that deposit, without any warning or advance notice to me. When I contacted the customer service department, I was told I had to contact the depositor, again, the reason was not made clear to me. 
In the meantime, my account has been in a negative balance of over {$10000.00} and consequently I am unable to use my debit card. The bank has charged me overdraft fees, and has yet to give me an adequate explanation of their decision. 
I am requesting the funds be taken off hold, and my account restored to normal. Then I will be able to close my accounts with this bank and go to another bank. Any help you can provide in this matter would be greatly appreciated. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: EQUIFAX, INC.
State: IN

Complaint narrative:
My credit score has dropped significantly in the last 30 days and all accounts have been paid at 100 %. When contacting the company i.e Equifax I received a statement simply stating my score is accurate. I monitor my credit consistently and see no negative information. There is no information noted as to the reason for such a decline in my score

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: KS

Complaint narrative:
show tooltip button XXXX XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: PA

Complaint narrative:
XXXX XXXX  XXXX XXXX {$3700.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... account was settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide 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.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: KS

Complaint narrative:
show tooltip button XXXX XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute XXXXDispute XXXX XXXX XXXXDispute 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 2020-05-26 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: KS

Complaint narrative:
show tooltip button XXXX XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute XXXXDispute XXXX XXXX XXXXDispute 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 2020-05-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
The backstory as I've been able to find out to date is I was refinanced into a XXXX HELOC from Pentagon Federal Credit Union of {$75000.00} in XXXX. I think this loan was originally for a much smaller amount but I was XXXX on active military service and the loan needed servicing which I was unable to personally take care of. So I ended up setting up an automatic payment HELOC with the objective to fully pay it off when I sold my current home. Approximately 3 years ago Penfed advised me my $ 150 monthly payment was not covering interest so I upped the automatic payment to {$200.00}. About six months ago, PenFed said the interest on the loan was not being covered. I personally tried to do something to get this loan into more manageable status. I am retired from military now but work on landscape jobs and was busy getting ready for my next season of work amid the developing pandemic crisis and look after my aged mother 's safety. So I continued to do the auto payments. 
So now, what happened is I received a computerized payout on Monday, XXXX XXXX advising me the HELOC was due XXXX XXXX for principle and interest of {$51000.00}. I was shocked and surprised as I was trying to continue working. I took time away from my business to call many places at PenFed and have documented the email and phone contacts. It was not a satisfactory process. I am trying to refinance the HELOC and have not yet been able to talk to the right phone contacts. When I personally ended up taking the risk to visit PenFed on Sat, XX/XX/XXXX I was advised their loan dept would be open again after the XXXX XXXX XXXX. Which is where I am now. 
I intend to try to pursue a refi and a mortgage that will include payoff but it's not going to begin to happen by XX/XX/XXXX, less than a week now. This at the least presents an entirely unreasonable way to settle the loan payment which I am responsible for. I can pay more, I have a good credit rating which I've worked diligently to acquire, at XXXX as of XXXX XX/XX/XXXX. However, it looks necessary to start the complaint process to protect my interests from further unreasonable and unnecessary exploitation and stress.

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 2020-05-26 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: PA

Complaint narrative:
To Whom It May Concern : This letter is a follow up to my original letter regarding an inaccuracy in your credit reporting. Specifically, as it relates to unauthorized and fraudulent credit inquiries made by the following companies : 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 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. XXXX XXXX   Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: OH

Complaint narrative:
i can not use the card to make any purchase. They say i cant use any kind of money transfer service. So even though im using XXXX to send money to a company or putting money on a prepaid phone plan its not allowed

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 2020-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2020 I opened up an account with {$25.00} under my business name XXXX XXXX XXXX XXXX with Chase Bank online as local branches were not open to customers. On XX/XX/XXXX and XXXX I deposited {$2500.00} into my account for a total of {$5000.00} to cover business checks I wrote to cover contractors. On XX/XX/XXXX the contractors in which I wrote the checks too contacted me to tell me my checks bounced and they are getting returned check cost. I contacted Chase to why checks bounced and i was unable to access any of my accounts online. The Chase representative stated my account was restricted and being closed, When I asked why she told me she didn't know and by law doesnt have to tell me. I asked how to retrieve my money that I have deposited and owe my contractors, she directed me to banks that couldn't help me even after I explained the traveling expense involved. She told me that she spoke to the location and its all setup for me to withdraw my money, half way to the location i get a call from the location stating they cant help me that i need to go to another location. I did travel back across toll bridge to other location to receive to withdraw my money. When asked about reimbursement for my contractors bank fees i was told they cant do anything about that. My account was funded and had enough to cover my checks, i wasn't notified that my account was restricted until my contractors told me my checks didn't clear. I personally feel this was retaliation for submitting 2 CFPB complaints on Chase over the last few months. Consumer XXXX should not be allowed or tolerated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA REVERSES MERCHANTS CREDITS. see attatched XXXX card XXXX  statement XXXX MERCHANT CREDIT XXXX XXXX  ** THREE MONTHS LATER REVERSED see attatched XX/XX/XXXX card end XXXX   statement XXXX XXXX (SECURITY ADJUSTMENT OF) CREDIT REVERSAL XXXX ** NEW PURCHASE I DID * NOT AUTHORIZE. USAA STEALS MERCHANTS CREDITS. ONLY ONE CREDIT CAN APPLY** THE MERCHANTS THEN IS REVERSED.  IT IS THE ONLY CREDIT APPLIED. (FUNNY WHEN I DISCUSS THIS WITH USAA FRAUD DEPARTMENT WE HAVE TECHNICAL DIFFICULTIES OR I AM HUNG UP ON. USAA STEALS   MERCHANTS CREDITS.)

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: PA

Complaint narrative:
To Whom It May Concern : I have recently been informed that there is negative information reported in the files you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. 

XXXX XXXX XXXX XXXX Credit Cards XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Stores, Tire Dealers XXXX XXXX XXXX XXXX Auto Financing Companies XXXX XXXX XXXX Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Automobile Dealers, Used XXXX XXXX    XXXX Auto Financing Companies XXXX XXXX XXXX XXXX Credit Cards XXXX XXXX XXXX XXXX   Credit Cards I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. XXXX XXXX XXXX, No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation

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 2020-05-26 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 XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute

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 2020-05-26 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:
MY IDENTITY WAS USE TO OBTAIN AUTO LOAN, CREDIT CARDS, BANK ACCOUNTS AND INSURANCE WITHOUT MY KNOWLEDGE SOMEONE USE MY PERSONAL INFORMATION I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  XXXX. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-05-26 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:
JXXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute

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 2020-05-26 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: TX

Complaint narrative:
XXXX  XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: CO

Complaint narrative:
On XXXX XXXX, I requested a payday loan online for the amount of {$800.00}. I was told the amount that was going to be took out of my account each pay period, {$210.00}, however the APR rate was not mention. I was told that when I log into my account I could see the loan and interesting rate. As of XX/XX/XXXX, that information was not given until XX/XX/XXXX on my account. In the state of Colorado it is illegal for a payday loan to charge over 36 %. This law was put in place XX/XX/XXXX. This is illegal for this company to charge me this total amount of over {$3000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: GA

Complaint narrative:
For the past year, I have been trying to get the following taken off from my credit report due to being a victim of identity theft in XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) - XXXX XXXX XXXX ( I DONT KNOW WHAT THIS IS ) US Dept. of Education / XXXX  - All inquiries Last Dispute was XX/XX/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