vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-27 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: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JTM Capital Management, LLC
State: CT

Complaint narrative:
I have been disputing two credit card accounts with XXXX since XX/XX/XXXX and keep getting item was verified. On my credit report both accounts is listed as being sold to JTM Capital Management. I called several times never got an answer and also sent a debt validation letter certified mail return receipt on XXXX XXXX. I never received a response back from JTM Capital Management. On XX/XX/XXXX I called XXXX XXXX who is the issuer of the card and spoke with a rep name XXXX upon given him my social security number he said there was no account listed in their system with my name, address or social security number. On XX/XX/XXXX I reached out to XXXX again and made them aware only to be told that the account was investigated and the account has been verified. It seems unlikely that they were able to get a verified response when I have been calling for months and sent a validation letter and never received a response. Even when I called XXXX XXXX I was not in their system so how can these accounts be verified when XXXX supposedly reached out. I believe the credit bureau never verified anything and is refusing to remove unverified items off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 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: TX

Complaint narrative:
I am including a letter which best describes all of the mistakes on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commercial Credit Counseling Services Inc.
State: CT

Complaint narrative:
CT has been sloe paying ou debt to other creditors and taking a large ut monthly for themselves. For over a year I have complained about the huge monthly pulls and how it was odd such a small portion was going to our debt. At last they were pulling {$850.00} out twice a month with about {$380.00} going to our last creditor. When I spoke with XXXX XXXX he noted we owed CT fee 's and they had a business to maintain and he had overhead as well and CT needed to be paid. We have asked to speak on this, We have had o block access to our bank account so they would stop pulling without persmission. With inflation and business overhead CT makes so that they get paid and dont want to stop. In XX/XX/XXXX XXXX XXXX told us it woudl take 15 months to pay the last creditor to ensure CT gets all it fees. We have spoken to the last creditor made a deal to pay them even less than what CT negoiated with them and they have accepted. XXXX called me XX/XX/XXXX at about XXXX yeling he had overhead adn bills and we ( CT ) is one of our bills that needs to be paid. He would not allow me to speak ot say anything hy he yelled so he was hung up on. We have asked for litigation or a meeting becaue not paying our debts and taking huge monthly fees and leaving the business stuggling is not okay and not one lien has been removed we have had to contact our Secetary of state and then contact each place to remove liens which was somehting CT was supposed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 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: TX

Complaint narrative:
There are mutiple mistakes on my credit file which I descibed in a letter attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Verisk Analytics Inc
State: MI

Complaint narrative:
THIS COMPANY IS STILL REPORTING A FRAUDULENT BANKRUPTCY AFTER INFORMING THEM SEVERAL TIMES THAT IT IS FRAUDULENT. THEY WONT EVEN INVESTIGATE THE MATTER. XXXX REPORTS THIS FRAUDULENT BANKRUPTCY CASE NUMBER XXXX BECAUSE ITS REPORTING ON A FILE FROM THIS COMPANY. I HAVE INFORMED THEM SEVERAL TIMES THAT THE BANKRUPTCY IS FRAUDULENT AND THEY DON'T CARE TO EVEN INVESTIGATE THE ISSUE. I FILED A IDENTITY THEFT REPORT TO REPORT THE CRIME AND INCLUDED THAT REPORT WITH MY DISPUTE TO THE COMPANY. THEY INFORMED ME THAT THEY ARE NOT A CREDIT REPORTING AGENCY AND THEY ARE NOT SUBJECT TO THE FAIR CREDIT REPORTING ACT. THIS COMPANY HAS BEEN SUED BY HUNDRED OF PEOPLE REGARDING THE SAME ISSUE. I AM WORKING WITH A LAW FIRM TO START A CLASS ACTION LAWSUIT AGAINST THIS COMPANY. SO FAR WE HAVE A PETITION WITH 998 PEOPLE. THE UNITED STATES COURTS HAVE DEEMED THAT THIS COMPANY IS IN FACT SUBJECT TO THE FCRA AND THEY CHOOSE TO IGNORE IT. THIS IS NOT GOING TO BE ACCEPTABLE. I HAVE LOST OUT ON HUNDREDS OF THOUSANDS OF DOLLARS DUE TO THIS FRAUDULENT BANKRUPTCY REPORTING AND IT ALL STEMS FROM THIS COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 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: PA

Complaint narrative:
Hi, my name is XXXX XXXX. I am Reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent changes are showing negative results on my credit report. I reported the theft of my identity to the identity theft affidavit. Please remove these items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I tried to dispute inaccurate items on my credit and got no response, it is frustrating and I have a letter of explanation attached

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
The bank is holding my money and refuse to give it to me, due to it not being a business account. Its been almost a year in a few weeks since this has been going on. They wont let me close it and its XXXX $ in there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 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: OH

Complaint narrative:
There are various problems that are not correct on my credit file that need to be investiagted and deleted since they are wrong see letter attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received an email from Chase Ultimate Awards on XX/XX/XXXX saying I had until XX/XX/XXXX to book a flight I had previously canceled. I wasn't aware I had a travel credit until the XX/XX/XXXX email which was 2 weeks before it expired. I followed the link and flights were over XXXX I called the Chase number and spoke with a rep in XXXX for 40 min and the rep told me it was extended out to XX/XX/XXXX and I would receive an email to verify. I received another email today from chase saying credit expires on the XX/XX/XXXX. No email from the previous chase rep as promised. Called back again today, XX/XX/XXXX, spoke with another agent in XXXX and after 30 minute, she confirmed it was good until XX/XX/XXXX. I asked her to send me an email to verify while I was on the phone as the last rep didn't and she said she couldn't send anything and sent me to her supervisor. His name is 'XXXX  '. He told me it was only good until XX/XX/XXXX if I had an XXXX XXXX travel number, which I don't. So both agent gave me the incorrect info and after speaking with XXXX for another 30 minutes, he said as a one time courtesy I could purchase 2 new tickets with the same airline and same passengers, send them to statement and they would credit the difference or just have the entire amount credited. I chose the credit and he said I would be contacted in 14 days with a response. I requested some sort of verification we had this call, some way to reference it and he refused to give me anything but his name, 'XXXX ' and a reference number. XXXX # XXXX Almost 2 hours on the phone and still no actual resolution and highly doubt I'll get an email from them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-27 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I have been disputing a XXXX XXXXXXXX XXXX Account listed on my Transunion report as being sold to XXXX XXXX credit report since XX/XX/2021. After Each dispute I get a letter stating the account has been verified. In XXXX I sent XXXX a debt validation letter and since the account could not be validated it was removed from my XXXX Credit Report. I contacted Transunion and made them aware that the account could not be verified and needed to be removed off of my credit report. Transunion responded by saying that the account is verified and refuse to remove off of my credit 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 2022-03-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
I filed for bankruptcy  in 2014 paid a pro tango amount of {$8200.00}. 
For the past years I have been paying Real Time Resolutions {$310.00} and I recently checked my credit report and that account has been closed. I don't know what to do or what are the next steps on trying to figure out what's going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
I had received a refund from my vet in the amount of {$730.00}. Since I was not carrying any cards, I got the refund on XXXX XXXX to my Cash debit card. I have done so before and have never had an issue. 

Since the transaction was made on XX/XX/2022 and I still did not receive a refund, i complained to the merchant that showed their bank has sent the money back to my cash card. 

I contacted cash customer service. The first level customer service was not aware of how card refunds worked and told me I would get a direct deposit and they dont see it. I tried to explain to them that the refund was made on the XXXX XXXX to my card but they refused to help or escalate. They told me they will not help trace the funds or escalate the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 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:
Hi, my name is XXXX XXXX. I am Reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent changes are showing negative results on my credit report. I reported the theft of my identity to the identity theft affidavit. Please remove these items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am including a letter to explain all the wrong items on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. Ally Financial XXXXXX/XX/2021 2. XXXX  XXXX XX/XX/2021 3. XXXX XXXX XXXX XX/XX/2021 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. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This involves Capital One credit card. About XXXX XXXX, I noticed some fraudulent transactions on my account.One example was a {$16.00} rush card fee for a credit card to be sent to another address.. I never asked for this.I called Capital One, perhaps a dozen times, trying to straighten this out. I spoke to agents, most of whom spoke XXXX with XXXX XXXX XXXX  and I could not understand much of what they said.So, I then asked that the account be closed. In about XXXX, XXXX I received an invoice in the mail, saying that I owed about {$90.00}. I paid this amount. 
On XX/XX/XXXX, I received a letter from Capital One saying I owed an additional amount ( {$170.00} ) ..I called them up and said how could this be, as the credit card was closed, due to fraudulent activity? The rep didn't respond in a straight forward way, so I asked to speak to a manager. This woman named XXXX ID # XXXX ( she refused to give her last name ) Spoke to me and it seemed that she disregarded anything I had to say .I asked her why an invoice wasn't sent to me, and she just said that I had opted out of mailed items. The gist of the complaint is that they charged me late fees of {$25.00}, and then {$40.00}. I said I never got an invoice for the amounts they mentioned. But, the manager just wouldn't respond to my complaints. 
I am willing to pay any legitimate chares, which I believe are about {$90.00} ... I want that {$16.00} fraudulent rush charge taken off, as well as the combined late fees of {$65.00} taken off also. 
I also feel that the company was not responding to my previous complaints due to the fact of my age, ( XXXX ).. I believe that they just want to accumulate late fee charges and don't care about anything else... 

I had their credit card for more than 10 years and never had a problem until now.. Please try to get Capital One to respond to my complaints in a rational manner.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX card Delaware is on my accounts and was closed per report records in XXXX and XX/XX/2022 during dispute on their behalf. It was showing charged off multiple times but still an open account previously. This account needs removed for the inaccuracies and multiple incorrect errors from agencies. This has kept me from moving forward with my business plans and the ability to obtain the funding I need for supplies and proper equipment including transportation and home improvement. Due to this company and its lawyer, XXXX XXXX and XXXX placing a judgement lien on my home I now have had to work so hard to apply for loans with rates that are ridiculously high and will not cover what I need to get started. I am attaching documents for exhibits. I also what to address that I am at a time in my life where my situation has changed over the past several years and attempting to make a better life. However, it is this account that is absolutely in error and requesting to be removed deleted due to the violations of my rights example of identity issues other names, phone numbers, social security number and the accounting is showing only some information with past due amount of 120 days within 30 days when a payment was made on a closed account with a credit limit but its charged off. Can someone explain this? In XXXX and XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX is on my accounts and was closed per report records in XXXX and XX/XX/2022 during dispute on their behalf. It was showing charged off multiple times but still an open account previously. This account needs removed for the inaccuracies and multiple incorrect errors from agencies. This has kept me from moving forward with my business plans and the ability to obtain the funding I need for supplies and proper equipment including transportation and home improvement. Due to this company and its lawyer, XXXX XXXX and XXXX placing a judgement lien on my home I now have had to work so hard to apply for loans with rates that are ridiculously high and will not cover what I need to get started. I am attaching documents for exhibits. I also what to address that I am at a time in my life where my situation has changed over the past several years and attempting to make a better life. However, it is this account that is absolutely in error and requesting to be removed deleted due to the violations of my rights example of identity issues other names, phone numbers, social security number and the accounting is showing only some information with past due amount of 120 days within 30 days when a payment was made on a closed account with a credit limit but its charged off. Can someone explain this? In XXXX and 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