vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-30 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:
TransUnion has repeatedly failed to dutifully investigate incorrect information on my public report For an account listed on my credit report that is invalid and not open. TransUnion has repeatedly taken the side of a collection company that refuses to provide proof that I have an account open with the company listed on my credit every month as " XXXX XXXX ''. TransUnion reports the account as verified accurate despite that the collection company reports false and misleading information about me, and refuses to provide validation of the debt.

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 2022-04-30 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
XXXXXXXX XXXX,2021, Navy Federal ran my credit unknowingly which resulted in a hard inquiry on my credit report. I called the company to resolve issue, no action was taken

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: MARINER FINANCE, LLC
State: CA

Complaint narrative:
XXXXXXXX XXXX,2021 ran my credit unknowingly which resulted in a hard inquiry on my credit report. I called the company to resolve issue, no action was taken

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent XXXX dispute letters for XXXX to remove this XXXX  # XXXX that does not belong to me and does not have my last name. They did not respond to 2 of my disputes only 1 and said it was verified by the courts and it was not because I contacted the court and the court sent me a letter that said they did not share information with XXXX which means it was not verified and they need to remove it off my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: IL

Complaint narrative:
I have disputed several times with Transunion about adding someone else information on my credit report. Misleading information on my credit report has caused people to show up at my house ( I have been afraid for my life ), Calls to my employer, and unfair credit decisions have caused me frustration and XXXX. This has made my life a living XXXX for over ten years, and they keep adding this person to my report. I have called disputed, and they will sometimes delete it, but a year later, I see it back on my report. At this point, I am filing a lawsuit because I should be getting monetary suffering. Transunion has made my life a living XXXX, and at this point, I would like their legal office to be involved. My latest dispute, XX/XX/2022, resulted in the information as accurate and was left on my report. This is the 3rd or 4th time I had to dispute this same information, and I know I will have to do so in the future because what is stopping them now from adding this lady 's information back to my report.

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 2022-04-30 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: AmerAssist A/R Solutions, Inc.
State: CA

Complaint narrative:
2020 Ammerist AR placed an account under my name into collections without my knowledge of the account being opened. The amount on the account is {$1500.00}. I don't have any knowledge of this account or who opened the account using my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I received a credit alert from XXXX I had a new account alert. I looked at it and XXXX had closed my only account with them XXXX XXXX. I owed no money never logged in after paying them off well over a year ago. When I called them to see what was going on they told me XXXX  opened the account in my name to the XXXX XXXX company with a new account. They said that they sent out emails and you were to log into your account to get the new account. Ya let them know I never logged into my old account to get the new account. I have a personal witness to the whole incident. I can not even get into this new account as my information with them is incorrect. So not only am I stuck with an account I dont want. Ya cant even get into it. His is not my account I did not authorize it and Experian refused to do anything about it. Im still waiting on XXXX  and XXXX. Thank you. Nobody should be forced into an account like this. The witness to the conversation is 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 explanation
Consumer complaint received 2022-04-30 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1861 section 602 States I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
2021 Credit Collective services reported an account to collections that does not belong to me in the amount of {$99.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: NC

Complaint narrative:
US Bank is illegally holding my money and won't let me close account. Went to bank to deposit an {$11000.00} check. This was fine. XXXXaiting the standard 5 days for it to clear, which it did. Then went to bank to wire funds and get access to that money. US Bank refused, despite funds being available in balance. Then the next day I complain and all the sudden I can't login to bank account. When I call customer support, they tell me the account has been closed, yet can't give me a reason. They say it is undergoing an " account review '' although this makes no sense. US Bank refuses to give timeline for when I will receive check for funds in balance and branch XXXX XXXX XXXX XXXX at the XXXX XXXX NC XXXX says they could hold funds FOR MONTHS. This is totally unreasonable. Never bank with US Bank they are scum!!!!

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 2022-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Diaz & Associates, Inc.
State: OH

Complaint narrative:
Spoke with XXXX XXXX XXXX Diaz and Associates who I feel misrepresented the dates of the XXXX fitness debt. He states it was from XXXX with a last payment being made in XXXX but we feel that it was done more in XXXX when my husband was a minor and no payments were made after his mom informed Ballys he was not of legal age. XXXX XXXX of Diaz and Associates was rude and condescending and apologized to my husband for what he had to deal with everyday living with me he also stated he allowed me to speak. I want no contact with this extremely misogynistic company ever again for a perceived debt that is 36 years old. He also asked that we provide documentation showing we dont owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: CL Holdings LLC
State: FL

Complaint narrative:
I have tried rebuilding my credit so I pulled a credit report for all 3 major credit bureaus and there is a credit card from XXXX XXXX XXXX that keeps showing up from a credit card company called XXXX XXXX. I have never ever applied for this card, received a card like this or opened up this account. I have disputed this account on all credit bureaus. They sent it to a collections agency and I explained this to them also and since then they have now changed the status to a charge off and now its reporting that I am currently delinquent. Noone will help me get this removed and its ruining my credit to the point where I cant rebuild and I am a spouse of a XXXX XXXX service member in the military. The collections company reporting this information is called Jefferson Capital that this account was sold to collect this debt in the amount of $ XXXX I called Jefferson Capital they tried to bribe into paying this debt and I refuse to pay a debt that is not mine. I believe I was a victim of identity theft because I did not open this account and I keep on disputing and every time I do they say this information is correct and it isn't. XXXX XXXX is the original creditor. I need help please getting this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I have a credit on my account for {$200.00} and because I have a {$71.00} dispute company refuse to send me my money even the balance of {$120.00} and keep the {$71.00} while the dispute is still going but now they don't want to do that either. They're keeping my hard money they have as a refund in my account and holding it hostage until the {$70.00} dispute resolves which is pending meaning I am winning it and they are just waiting for it to credit through. I have called three times yesterday on the XXXX of XXXX and again today on the XXXX and yesterday I was told after going through several Representatives that they can in fact send me the {$120.00} and then my call was dropped as I was driving in my car. So I called today again and they are back to square one refusing to send me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THIS ACCOUNT FROM XXXX XXXX XXXX FOR THE AMOUNT OF {$1400.00} IS AGGRAVATED FRAUD. I DID NOT AUTHORIZE OR REQUEST AUTHORIZATION OF THIS ACCOUNT LISTED IN THIS REPORT. MY INFORMATION HAS BEEN COMPROMISED AND THERE HAS BEEN SEVERAL ACCOUNTS THAT HAS BEEN ATTEMPTED TO OPEN WITHOUT MY AUTHORIZATION, AND HAS BEEN INSERTED INTO MY CREDIT REPORT WITHOUT PROPER VERIFICATION. THIS IS UNLAWFUL ACCORDING TO THE FCRA AND A VIOLATION 15USC1681. IM DEMANDING FOR THIS ACCOUNT TO BE REMOVED IMMEDIATELY FROM CREDIT BUREAU REPORT AS THIS IS AFFECTING MY BUYING POWER AND CHARACTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I lost my phone and wallet at a bar came back to get it the next day. A week later when going to finalize a big purchase the money was not in my account. I then checked my statement and saw a purchase of 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 2022-04-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Bread Financial ( Comenity ) does not properly disclose that withdrawals are limited to {$5000.00}. Accordingly, for example, a consumer may deposit {$200000.00} and then not have access to the funds except in {$5000.00} increments. I believe this bank is fraudulently inducing consumers and in violation of fedeeral law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
please remove all fraud alerts and security alerts now!

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 2022-04-30 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1861 section 602 States I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-04-30 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1861 section 602 States I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to 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 non-monetary relief
Consumer complaint received 2022-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aqua Finance, Inc.
State: FL

Complaint narrative:
The account was paid off by XXXX XXXX  When Home was sold on XXXX XXXXShortly after started receiving late payment noticed ... .Tried on several occasions to talk to there agent but they refused to listen and only had a one track mind saying that I still owe the money ... .Fully executed Termination/Release of UCC Financing statement as recorded in Official Records Book XXXX, Page 353 of the Public Records of XXXX XXXX, Fl.XXXX XXXX XXXX XXXX Fl, XXXX, ,Even after sending copies of the cancelled check they refuse to correct there error ... .....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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:
I have tried rebuilding my credit so I pulled a credit report for all XXXX major credit bureaus and there is a credit card from XXXX XXXX XXXX that keeps showing up from a credit card company called XXXX XXXX. I have never ever applied for this card, received a card like this or opened up this account. I have disputed this account on all credit bureaus. They sent it to a collections agency and I explained this to them also and since then they have now changed the status to a charge off and now its reporting that I am currently delinquent. Noone will help me get this removed and its ruining my credit to the point where I cant rebuild and I am a spouse of a XXXX XXXX service member in the military. The collections company reporting this information is called XXXX XXXX that this account was sold to collect this debt in the amount of $ XXXX I called XXXX XXXX XXXX XXXX to bribe into paying this debt and I refuse to pay a debt that is not mine. I believe I was a victim of identity theft because I did not open this account and I keep on disputing and every time I do they say this information is correct and it isn't. XXXX XXXX is the original creditor. I need help please getting this resolved.

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 2022-04-30 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: FL

Complaint narrative:
I have tried rebuilding my credit so I pulled a credit report for all XXXX major credit bureaus and there is a credit card from XXXX XXXX XXXX that keeps showing up from a credit card company called XXXX XXXX. I have never ever applied for this card, received a card like this or opened up this account. I have disputed this account on all credit bureaus. They sent it to a collections agency and I explained this to them also and since then they have now changed the status to a charge off and now its reporting that I am currently delinquent. Noone will help me get this removed and its ruining my credit to the point where I cant rebuild and I am a spouse of a XXXX XXXX service member in the military. The collections company reporting this information is called XXXX XXXX that this account was sold to collect this debt in the amount of $ XXXX.When I called XXXX XXXX they tried to bribe into paying this debt and I refuse to pay a debt that is not mine. I believe I was a victim of identity theft because I did not open this account and I keep on disputing and every time I do they say this information is correct and it isn't. XXXX XXXX is the original creditor. I need help please getting this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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:
I have tried rebuilding my credit so I pulled a credit report for all XXXX major credit bureaus and there is a credit card from XXXX XXXX XXXX  that keeps showing up from a credit card company called XXXX XXXX. I have never ever applied for this card, received a card like this or opened up this account. I have disputed this account on all credit bureaus. They sent it to a collections agency and I explained this to them also and since then they have now changed the status to a charge off and now its reporting that I am currently delinquent. Noone will help me get this removed and its ruining my credit to the point where I cant rebuild and I am a spouse of a XXXX XXXX service member in the military. The collections company reporting this information is called XXXX XXXX that this account was sold to collect this debt in the amount of $ XXXXWhen I called XXXX XXXX they tried to bribe into paying this debt and I refuse to pay a debt that is not mine. I believe I was a victim of identity theft because I did not open this account and I keep on disputing and every time I do they say this information is correct and it isn't. XXXX XXXX is the original creditor. I need help please getting this resolved.

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