vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-19 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: DC

Complaint narrative:
I first want to say this complaint is NOT from a third part credit repair company. I, XXXX XXXX XXXX, photo ID attached, am the living and breathing woman submitting this complaint to all three major credit bureaus TRANSUNION, XXXX and XXXX. 

I previously sent in my written instructions according to 15 U.S Code 1681b ( 2 ). I have also attached my instructions for my consumer report as it relates to items I want deleted. To further all three credit reporting agencies are in violation of 15 U.S Code 1681a ( 4 ) -There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. In addition all credit reporting agencies listed are in violation of 15 U.S Code 1681a ( 2 ) ( b ) - ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; To further 15 U.S Code 1681b ( 2 ) has been violated as neither company has fully honored the written instructions of the consumer. In addition the consumer report should not have been shared as there was not permissible purposes such as a court order from a competent court of jurisdiction. I XXXX XXXX XXXX am the original creditor and ALL extensions of credit arise from the use of my social security account, defined under the Truth in Lending act as a CREDIT CARD. Lastly I XXXX XXXX XXXX am submitting this complaint ON MY OWN BEHALF I am seeking that the items listed in each letter be removed per my instructions as the natural person/consumer. I would like the CFPB to enforce the rights of the 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 2021-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
It was started in XXXX. I dont remember the exact date but around XX/XX/XXXX. 
I called in to dispute fraud charges on my account. 
Bank of America credited the charges and the following weeks contacts me and tell me the charges are not fraud. I have reopened this case over 5 times and have asked for proof and they refuse to send me any paperwork besides a piece of paper that says the claim was declined. 
Today XXXX I just got another letter saying that they will put a note on my credit file that I do not agree with their decision and there is nothing else they can do. 
This is not acceptable!! One of the charges is from a store in XXXX!!! 
I need help, the company refuses to provide proof!!

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 2021-10-19 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: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX. 
Enclosures : XXXX, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I received statement of charges from VENMO for the amount of {$970.00}. I called the number printed on the statement to report that I didn't recognize the statement and that I am not aware of the account. The customer service representative were asking many personal identity questions but did not provide account number since the telephone number on the account did not match to mine. When asked to speak to his supervisor, he refused as he could not validate the account. He spoke with XXXX ascent and would not give confirm any information of mine.I also noted unknown charges in my personal credit card account which have been disputed. I have also reported and disputed this account that was reported to the 3 credit reporting agencies ( XXXX, XXXX and XXXX ). I can provide more details if requested by any agencies. Please investigate this and help me clear this scam. 

Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
On XX/XX/2021 LVNV Funding, LLC received my letter requesting documents such as validation of accounting and verification of my legal obligation to pay the alleged debt of {$870.00}, of which they have posted on my consumer credit reports. The company has not responsed to my request in 30 days with the documentation requested, which is a violation of the Fair Debt Collection Practices Act. This account is not mine and I have no legal obligation to pay the alleged debt. Due to the violation of the Fair Debt Collection Practices Act, this account must be deleted from each of my consumer credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
HELLO MY NAME IS XXXX XXXX AND I'M ATTEMPTING TO RESOLVE THIS MATTER WITH PORTFOLIO RECOVERY ASSOCIATES. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: CA

Complaint narrative:
I have contacted each credit bureau, XXXX XXXX, experian and XXXX by mail and fax on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and I have not received any reports from the bureaus about my dispute and the accounts are still on my credit and I have no knowledge of these accounts. I have asked for proof from the creditors and the bureaus and no response. they have had many times to respond.

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 2021-10-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
My lease ended at the ended of XXXX. I called the leasing company ( Ally Financial ) and stated that I would be buying purchasing the vehicle. I knew that it may take a bit longer than I suspected, so I made another payment on the vehicle so I wouldn't receive a late payment on my credit report. I eventually had a change of heart on purchasing the vehicle, but need to get some repairs done on the truck before I turned it in. I knew this would take more time so I made another payment plus interest to ensure i did not receive a late payment. In XXXX I received a late payment XX/XX/12 XXXX. When i called they said I had credit on my account that could not be applied to the payment. I did not understand how you could be late on a payment with a credit on your account.

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 2021-10-19 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: PA

Complaint narrative:
I submitted a complaint against TransUnion on XX/XX/2021 and I still to this day have not received a response and I am completely outraged! 

1. Unauthorized use of my credit report. 
2. The credit reporting agency took well OVER 60 DAYS to respond to me and I still have not received a response. ( 100 % Failure to uphold FCRA laws! ). I sent my letter on XX/XX/2021, I filed a complaint on XX/XX/2021 with the CFPB, and it is now XX/XX/2021 and still no response from TransUnion or changes to my credit report. 

This company is absolutely according to the FCRA in 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 2021-10-19 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: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Chase Bank reported a delinquent business credit card on my personal credit report in XX/XX/XXXX. The information was removed after a disputed claim was made with the credit reporting agencys, and is now reappearing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: CA

Complaint narrative:
I HAVE SUBMITTED COUNTLESS DISPUTES REGARDING FRAUDULENT AND INACCURATE INFORMATION. 

XXXX XXXX XXXX  XXXX, I WAS NEVER LATE, I AM DEMANDING THAT THIS LATE PAYMENT IS REMOVED IMMEDIATLEY!

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 2021-10-19 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: CA

Complaint narrative:
I HAVE SUBMITTED COUNTLESS DISPUTES REGARDING FRAUDULENT AND INACCURATE INFORMATION. 

XXXX XXXX XXXX  XXXX, I WAS NEVER LATE, I AM DEMANDING THAT THIS LATE PAYMENT IS REMOVED IMMEDIATLEY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: Freedom Mortgage Company
State: WI

Complaint narrative:
XX/XX/2021 Freedom Mortgage reported to the credit bureau that we were delinquent on our XXXX payment. We made our XXXX payment by sending in 2 separate payments in XXXX. In XXXX we decided to refinance with another company. I had already sent in one payment towards XXXX payment which they reported they received on XX/XX/XXXX. We did a stop payment on the 2nd payment that was sent in on the XXXX of XXXX. I then called on XX/XX/XXXX to have our first XXXX payment refunded because we found out wed be closing on our new loan in XXXX and wouldnt need to make the XXXX payment. A few days later we received the refund. I received a letter in the mail stating we were late for XXXX and so I inquired. I looked into my account and noticed instead of them refunding my XX/XX/XXXX payment, they refunded my XX/XX/XXXX payment causing their system to make it look like we hadnt paid our XXXX mortgage. This resulted in a late fee and then requiring us to pay for XXXX, which had already been paid. I contacted Freedom mortgage on XX/XX/XXXX to dispute this action because we had done everything correct. I sat arguing on the phone with someone for 2 hours trying to explain how they had done everything wrong on their end until I finally asked for a supervisor. The supervisor, XXXX XXXX asked that we send in proof of payments, which I sent to her via email on XX/XX/XXXX. I have yet to hear anything back on a resolution. I have emailed 4 times for an update. Our loan was paid off on XX/XX/XXXX yet shows us as late on XXXX payment. I am beyond frustrated with this company and just want things cleared up!

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 2021-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: AZ

Complaint narrative:
I AM DEMANDING THAT XXXX AND LEXIS NEXIS AND XXXX REMOVE SECURITY FREEZES AND THEN TO SUBMIT A FULL CONSUMER DISCLOSURE REPORT FROM ALL DATABASES! PLEASE SUBMIT IN USB IF NECESSARY TO XXXX XXXX XXXX XXXX # XXXX XXXX AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Hello. 
I am new to this and I hope I am taking the right steps. I just submitted a complaint before this, but I did not explain everything. 
In XXXX, I forgot my purse at work. I went to pick it up the next day and did not think anything of it. As times passes and my credit card balance is due, I notice that there were charges I did not make. One of these charges is a store in XXXX. I immediately called Bank Of America to dispute the transactions on my credit card. They gave me a temporary adjustment. I had noticed that the chargers at the XXXX store were also in my personal bank account. I contacted chase and they immediately were able to remove the charges close my account and help me. 

Bank of America is refusing to do so. They gave me a new card, but is denying my claim many many times. It is going on 3 months now, and they refuse to give me paperwork proof that these charges were made by me, or that they have anything to do with me. They refuse to send paperwork. No matter how many times I have called, provide world class service is their saying, they are providing terrible service. 

I have been a customer with them for years now and i am noticing that its the only company I ever have issues with and refuses to ever help. I will be closing my credit card after getting help with this issue and will not be a customer of them any longer. 

The dispute was for 3 different charges. 
XXXX XXXX XXXX, California XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York Total - XXXX $ These charges have never been made on my account before. 

This is no okay and very unprofessional for a large company to deny my fraud on the count without sending proof! 
All they do is send the deny letter the day after I speak with one of their representatives. That means they dont even look at the claim.

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 2021-10-19 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
WELLS FARGO HOME MORTGAGE XXXX XXXX 2021, Open/Never Late. Comment section : COMPLETED INVESTIGATION OF FCRA DISPUTE - CONSUMER DISAGREES. This caused my credit report to drop 5 points. I did not initiate a FCRA dispute. False information.

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 2021-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: AZ

Complaint narrative:
I AM DEMANDING THAT SAGESTREAM AND LEXIS NEXIS AND INNOVIS REMOVE SECURITY FREEZES AND THEN TO SUBMIT A FULL CONSUMER DISCLOSURE REPORT FROM ALL DATABASES! PLEASE SUBMIT IN USB IF NECESSARY TO XXXX XXXX XXXX XXXX # XXXX XXXX AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: AZ

Complaint narrative:
I AM DEMANDING THAT SAGESTREAM AND XXXX XXXX AND XXXX REMOVE SECURITY FREEZES AND THEN TO SUBMIT A FULL CONSUMER DISCLOSURE REPORT FROM ALL DATABASES! PLEASE SUBMIT IN USB IF NECESSARY TO XXXX XXXX XXXX XXXX # XXXX XXXX AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: SC

Complaint narrative:
This is my 5th attempt at respectfully trying to achieve a lawful resolve of my situation. I've asked on 3 occasions to have an investigation of items that are reporting inaccurately on my credit report be removed. My cases were closed as the credit bureaus were using stall tactics claiming that I was using a 3rd party to submit these requests and that additional authorization was needed. I reopened my cases submitting proof that no 3rd party existed in submitting my disputes. I've recently received notification from the credit bureaus that the inaccurate information that continues to report has been verified. There is NO WAY that this can be true. I am invoking my rights per the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D for the credit bureaus to PROVE that they have actually DONE an investigation and not just submitted a response per a computer-generated document. These erroneous entries are detrimental to my overall credit rating and have caused me severe financial and emotional distress. This complaint is not being submitted through a 3rd party and by NO MEANS are there any additional authorizations needed for my inquiries to be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP
State: IL

Complaint narrative:
I had purchased a vehicle ( XXXX  XXXX XXXX ) brand new, with an extended warranty as well as GAP insurance. Approximately a year or so later, I had traded the vehicle in for a larger one and was told that I needed to file paperwork to receive a refund of the difference between the Extended Warranty and GAP insurance. I have reached out to the company directly after waiting the amount of time they had told me ( 6 months+ ) and followed up with them again. They again said they will look into it, and its now been 18+ months later and still nothing. The Extended Warranty was supposed to be around {$1300.00} and approx. $ XXXX remaining for the GAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: AL

Complaint narrative:
Hello i have disputed by mail and by phone also online with Experian about a public record on my report chapter XXXX Bankruptcy. They have stated that they verify though XXXX  XXXX  so i disputed through XXXX XXXX and they removed it yet Experian say they are still veryfying through XXXX XXXX.I spoke with XXXX and they said the courts do not report to them. I want this removed!

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 2021-10-19 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I filed for bankruptcy with my husband on XX/XX/XXXX. My attorney that handled our case name is XXXX XXXX here in XXXX, XXXX My problem is with Citibank and XXXXCitibank . They have reported negative information on my credit report since the day we filed and would not change it. They have reported the private student loan as charged-off instead of in-deferment. Our bankruptcy was discharged in XX/XX/XXXX. The private student loans were discharged in our bankruptcy. They were notified again but would not make the change or remove it from my credit file. 

I made several attempts to contact them. I've been trying to get this permanently removed from my credit report since XX/XX/XXXX. They finally removed it. They put the private student loan back on my credit file in XX/XX/XXXX and made my credit score drop from XXXX to XXXX. The status is showing paid/charged-off. They still will not remove it. I have written to them and called, they will not respond. I sent them the bankruptcy discharge and the credit bureaus. XXXX XXXX has sent in requests to have the information removed numerous times and they still will not respond. Please advise.

Company response to consumer: Closed with explanation