vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-29 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:
I have sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation.

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The XXXX XXXX XXXX Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

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 2021-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/21 received a letter from Bank of America that they detected suspicious activity on my credit card and temporarily suspended my account ending in XXXX. Problem is I do not have a Bank of America Credit card and have never applied for one with that bank. I called the Bank of America 's fraud division and they advised me to notify the FTC, XXXX, XXXX and XXXX of the problem. Is this a case of credit card fraud or identity theft ; please let me know what to do. Thank you

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 2021-11-29 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: CA

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
On XX/XX/2021, I received an alert, a text message on my phone stating that there was a fraud alert and the message asked me to confirm if I had authorized {$80.00} from the XXXX ATM located at XXXX HA. I immediately responded to the alert, NO, then the next message stated my card was blocked. I called in, the representative just said they needed to block or freeze my account. At this point, online showed XXXX transactions had went through, same atm, for a total of {$400.00}. One transaction for {$200.00}, and two transactions for {$100.00} each. I filed dispute, sent back information and assumed this would be resolved. My dispute was denied and now I am waiting on snail mail to come to tell me what documents were used in the denial. I had my card in my possession and physically was located in my house online working in college admissions. My car is in the shop and I have not given my debit card out and would not have done XXXX transactions to incur a fee when I know my withdrawal limit is more than {$200.00} per transaction. My card is an Uber XXXX from XXXX Bank. I remember getting an alert from Uber that someone had logged into my account but at the time I did not investigate. I went to the location where the XXXX ATM was used. It is in a XXXX that I have never been in until last week when I went to see if I can get the loss prevention to pull the atm or their camera on XXXX at XXXX to help in this investigation. I am not sure how someone could get into my debit account without my atm unless the machine or they used some type of cardless option or the bank has mistakenly in error pulled funds from my account that were supposed to be pulled from someone elses 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 2021-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
I STARTED RECEIVING EMAILS ON XX/XX/2021 AT XXXX STATING AN ONLINE CHECKING ACCOUNT HAD BEEN APPLIED FOR. THEN THE NEXT FEW EMAILS AFTER THAT STATED ACCOUNT WAS APPROVED AND THEN THE FINAL EMAIL SHOWS THE EMAIL ADDRESS HAD BEEN UPDATED TO A DIFFERENT ONE ON XXXX I REPORTED THE MATTER TO WELLS FARGO CUSTOMER ADVISORY GROUP OR C.A.D. GROUP FOR SHORT AT XXXX. ONCE REPORTED, I WAS GIVEN A CASE # AND ADVISED THAT SOMEONE WILL CONTACT ME IN 3-5 DAYS. THE REP ALSO CLOSED THE ACCOUNT TO ADVOID FURTHER TRANSACTIONS FROM OCCURING BEYOND. 
PLEASE ADVISE ANY FURTHER ASSISTNACE TO ADVOID MY CREDIT BEING DAMAGED BY THESE THIEVES. 
THANK YOU IN ADVANCE FOR YOUR ASSISTANCE.

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 2021-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America, NA has filed a lawsuit against me for a debt that I do not have or owe for card XXXX. I have made several attempts to resolve this. Including filing disputes with the company and the credit bureaus, but the company continues to assert that the debt belongs to me. The debt belongs to a different XXXX XXXX, but they have attached the debt to my profile and my social security number.

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 2021-11-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
fBOA has sent false info about me to at least XXXX Credit Bureaus! 
Probably more! 

BOA falsely claims that I am allegedly behind on payments! 
That is FALSE! 
The truth is- I an enrolled in AUTO-PAY! 

SO the payment is supposed to happen automatically!

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 2021-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I applied for a chase sapphire preferred credit card that offered a promotion of XXXX .iles after spending {$4000.00} the first XXXX months. Upon receiving the card, and after they ran my credit, they changed the promotion to XXXX miles. I have asked then to honor the promotion they advertised when I applied but they will not. I then asked them to cancel the card, and reverse the credit inquiry, and they will not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: IL

Complaint narrative:
hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX. XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX  say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX  hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: IL

Complaint narrative:
hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2021-11-29 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: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Equifax Credit bureau has failed to respond about the removal of the erroneous information about my inquiry. Sending them the last complaint dated from XX/XX/2021 to the present, I have not received any response up to this date. On the other hand, inaccuracies about my inquiry are continuously reported on my Credit Report. Therefore, Equifax failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information. Here is the concerned inquiry that is still reporting on my reports : XXXX Inquired on XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I BEEN HAVING PROBLES WITH TRANSUNION FOR A FEW MONTHS. THEY CONTINUE TO PUT MY FILE INTO THE FRAUD DEPARTMENT AND I HAVE BEEN A VICTIM OF FRAUD. I CONSTANLTY HAVE TO CALL 4 DIFFERENT DEPARTMENTS BEFORE I CAN SPEAK WITH A REP. THE SUPERVISOR XXXX SAID THAT SHE WOULD HAVE MY FILE REMOVED FROM THE SPECIAL INVESTIGATION DEPARTMENT BUT ITS STILL THERE. I HAVE REQUESTING SEVERAL TIMES TO BE REMOVED OUT OF THAT DEPARTMENT AND PLACE IN THE REGULAR DISPUTE DEPARTMENT. ALSO THAT HAVE REFUSED TO PROCESS ANY DISPUTE I HAVE SENT BY MAIL. I AM REQUESTING THAT YOU PLEASE HELP RESOLVE THIS MATTER.

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 2021-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Transunion Credit bureau has failed to respond about the removal of the erroneous information about My Inquiries. Sending them the last complaint dated from XX/XX/XXXX to the present, I have not received any response up to this date. On the other hand, inaccuracies about my inquiries are continuously reported on my Credit Report. Therefore, Transunion failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information. Here are the concerned inquiries that are still reporting on my reports : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/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 non-monetary relief
Consumer complaint received 2021-11-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Today XX/XX/2021 Shellpoint 's representative XXXX XXXX just made up that I said that the documents that Shellpoint requested from me were not necessary. But, he will not list what these alleged documents are because it is false. 

The only document that I did not sign was the tax payer consent form. This form authorizes Shellpoint to release my personal tax information to third parties. This document was not necessary when Shellpoint provided a modification which it would not comply with after I successfully made all of my trial payments then Shellpoint took back the loan modification because I paid the amounts on their statements. 

I provided Shellpoint with a 4506-T and a 4506-C which allows Shellpoint to access my tax information form the IRS. I provided my last two years of tax returns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX has sent false info about me to at least 3 Credit Bureaus! 
Probably more! 

XXXX falsely claims that I am allegedly behind on payments! 
That is FALSE! 
The truth is- I an enrolled in AUTO-PAY! 

SO the payment is supposed to happen automatically!

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 2021-11-29 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: NY

Complaint narrative:
XXXX  has sent false info about me to at least 3 Credit Bureaus! 
Probably more! 

XXXX falsely claims that I am allegedly behind on payments! 
That is FALSE! 
The truth is- I an enrolled in AUTO-PAY! 

SO the payment is supposed to happen automatically!

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 2021-11-29 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX SS XXXX XXXX I am filing a CFPB complaint on my own behalf it is my legal right to do so. I am not an attorney or a third party. I am a victim of ID Theft. 
I reviewed one of my credit reports and notice there was some inaccurate, outdated, and fraudulent information that will need to be removed. I am a victim of identity theft and several of the items on my credit report is not mine. I have also notice items that have been illegally re-aged. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. The Fair Debt Collection Act/ ( O.R.C. 2305.07 ) and ( O.R.C. 1303.16 ( B ) Ohio Debt Collection Statutes of Limitation. I am requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : 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 XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Please delete the fraudulent accounts My name XXXX XXXX XXXX XXXX XXXX Please delete any other variations of my name XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX MY ADDRESS IS XXXX XXXX XXXX  XXXX XXXX  XXXX Please Delete Addresses that do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 XXXXXXXX Please Delete Phone Numbers that do not belong to me : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX My Phone number is : ( XXXX ) XXXX PLEASE DELETE HARD INQUIRIES : XXXX XXXX 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 non-monetary relief