vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XX/XX/2019 I requested my annual credit report on XX/XX/2019. I received XXXX and XXXX within days. Experian has never complied or responded and I have tried calling the number on the website and it puts you in a loop that tells you you must select fraud or security freeze so you can not speak to anyone or get any 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 2019-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc.
State: MD

Complaint narrative:
fraudulent attempt to collect a debt I do not owe. I notified the company this was a result of identity theft, filed report with the FTC and also filed a police report. MDS has blatantly ignored my requests and is illegally attempting to collect a debt that I do not owe.

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 2019-05-17 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: IL

Complaint narrative:
My mortgage with XXXX was sold to XXXX in XX/XX/2019. I was fully upto date and on time with payments to XXXX. I have continued to be on time with payment to XXXX. However Transunion dropped my credit score by 55 points due to the change in accounts. This is completely  unfair. I am making all of my payments on time and am still being penalized for something beyond my control- the selling of my mortgage. 
I spoke with a manager at Transunion and he said there was nothing they could do. 
I spoke with XXXX and they said they do not report to credit agencies unless the payment is late. Again this is categorically unfair to me. My score is being docked for something beyond my control and I am doing everything in my power to retain a good credit score. I was looking into purchasing a vehicle and helping my daughter purchase a house, but now that my credit has plummeted I may not be able to or if I can the options will be limited and I will likely have a higher interest rate on any loans due to this credit rating issue. All I want is for my credit rating to be restored.

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 2019-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE
State: LA

Complaint narrative:
I have been a customer for Western Union from a year XXXX. Within the last three years I realized Western Union to have a problem with my XXXX name ( Originally from XXXX ). With good faith and under company request I provided the company with every Identification document in my possession including copy of passport, State ID and official XXXX XXXX XXXX XXXX ID ( My worker at the time where I work as XXXX XXXX ; separated on XX/XX/XXXX ) and the company a apologized before. However, the problem still going on. Because of the month of XXXX ( XXXX XXXX XXXX XXXX XXXX ) On XX/XX/XXXX - I used the company 's online app to transfer Money ( {$200.00} ) to XXXX ; and based to company 's website/app the money should be there in 15 minutes with extra fees of ( $ XXXX ) I have paid. The company was able to access my bank account and withdraw the money and the fees with total of {$210.00}. 
Shortly, after the submitting the online transfer I received a confirmation of service, then an email notifying me for security I have to provide more identity documentation, so I did. However, after three days I request cancellation and refund of my money. 
On XX/XX/XXXX the company sent an email confirming two action at once completed the transaction and cancellation. 
More days later the company has deposited the amount of transfer in my bank account and kept the fees. 
I believe under supported records this company is discriminating, holds negative information about me which is not correct Please, your help and if I could have the rights to sue this company Thank you XXXX XXXX XXXX, LA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 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:
Dear CFPB Staff, I XXXX XXXX am the have been the victim of identity theft for years now. Equifax has repeatedly removed multiple fraudulent accounts from my Credit Report just to allow them back on again within months. Now even though I have resent them the evidence of my identity theft just as before they have not reremoved the following fraudulent accounts from my report! 

1. XXXX XXXX 1. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I disputed this account with Experian and XXXX twice due to concerns that I never had account with XXXX XXXX and they failed to verify this information with a signed contract. I have never received a bill or a contract that says that I need to pay this debt nor have I signed anything for agreed to anything regarding this account. 

To date Experian has not been able to validate that this account is even mine. I have tried to dispute this account multiple times in hopes that they would comply with the Fair Credit Reporting Act and I have been unsuccessful in my requests for them to validate this account. 

I have also tried to dispute this account with XXXX and have been shoved to the side and not attended to. XXXX   has not even replied to my dispute and request to validate this erroneous 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 2019-05-17 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: CA

Complaint narrative:
Hello, I feel the need to reach for assistance from CFPB because there has been several unauthorized transactions in my personal Bank of America account. I filed a claim with back of America claim department back in XX/XX/2018, when I had first noticed the major decrease in my balance. The bank had temporary put back the {$1000.00} that was removed from about more than 40 unauthorized transactions. The bank later reached out to me, stating that my money was going to be removed again due to lack of evidence that these transactions were fraud. So I then filed a police report for identity theft and contacted the company that these transactions were being charged with my personal bank card information, which was XXXX, food delivery app. XXXX was able to locate more information of these transactions, like the phone number, address the food was delivered, and names. XXXX would not release information to me " due to safety '' as they stated, however they did mention XXXX will cooperate with law-enforcement for further investigation. So as evidence I then sent back copies of the emails I had with XXXX along with a copy of the police report to the Bank of America claim department. After this the bank continue to refused to replace the money which in the first place was unauthorized to be removed. I filed a complaint with XXXX   XXXX XXXX and as a result Bank of America replaced only XXXX back into my account. Which I found very insulting that Bank of America considered that a fair and reasonable resolution to this matter would be replacing {$110.00} out of the {$1000.00} that were removed without my authorization. Bank of America refuses to take responsibility for the protection of my money that was lost. Unauthorized transactions began on XX/XX/2018 and continued through XXXX till XX/XX/XXXX, which was when the last transaction was made before I canceled my bank card.

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 2019-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: AL

Complaint narrative:
This company is collecting for a cable network that I havent had service with In 9 years

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 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: PRESTIGE FINANCIAL SERVICES INC
State: AZ

Complaint narrative:
I did not authorize this prestige financial to pull my credit report. I have never heard of this company yet my report shows inquiries on XX/XX/XXXX and again on XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 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: MI

Complaint narrative:
I disputed this account with XXXX and Equifax twice due to concerns that I never had account with XXXX XXXX and they failed to verify this information with a signed contract. I have never received a bill or a contract that says that I need to pay this debt nor have I signed anything for agreed to anything regarding this account. 

To date XXXX has not been able to validate that this account is even mine. I have tried to dispute this account multiple times in hopes that they would comply with the Fair Credit Reporting Act and I have been unsuccessful in my requests for them to validate this account. 

I have also tried to dispute this account with Equifax and have been shoved to the side and not attended to. Equifax has not even replied to my dispute and request to validate this erroneous account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 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: NM

Complaint narrative:
XXXX XXXX, Equifax and XXXX are not responding to my requests to investigate and remove accounts from my credit reports that were opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I did a balance transfer in the amount of XXXX and I send it to TD bank to pay off my credit card and on XXXX the XXXX I was received and TD bank has place this funds on hold make me unable to use my credit card and any future payments I made to this account will on hold in the future I also made a payment in the amount of XXXX and again they put this payment on hold they wouldnt call both of my banks to verify the funds has clear and I offer them the phone numbers but they refused to call my banks and Im stuck with only XXXX dollars on my credit card vs XXXX limit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 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: NM

Complaint narrative:
Trans Union, XXXX and XXXX are not responding to my requests to investigate and remove accounts from my credit reports that were opened fraudulently.

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 2019-05-17 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: NM

Complaint narrative:
XXXX XXXX, XXXX and Experian are not responding to my requests to investigate and remove accounts from my credit reports that were opened fraudulently.

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 2019-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Around XX/XX/2019 I've submitted my dispute letters to XXXX, XXXX XXXX, and Experian, but also the collection agency XXXX XXXX XXXX XXXX XX/XX/2019 I received a letter of correspondence from XXXX stating that my concerns were reviewed yet the item is still on my XXXX   report and my Experian report. On my XXXX XXXX report the account has been closed and this occurred XX/XX/2019. None of the companies have provided me with any proof that I have a contractual obligation to pay collection agency, no contract bearing my hand written signature on it at all. 
my ability to get things accomplished due to these companies willful non compliance with the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ). I have the right to request the method of verification under the FCRA, Section 611 ( a ) ( 6 ) and 7. The  credit reporting agencies MUST provide me the method of verification information within 15 days of my request, yet this hasn't been done either. Enclosed will be all the documentation that I've sent and received so far. Also I'm enclosing a screenshot of my XXXX XXXX XXXX XXXX credit update as proof that the account has been closed.

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 2019-05-17 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: American First Finance, Inc.
State: AZ

Complaint narrative:
I did not authorize American first finance to pull my credit report on XXXX XXXX XXXX 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I've become a victim of identity theft and my Chase account, my XXXX XXXX account, my XXXX XXXX creditcard, and my XXXX  XXXX XXXX  account n CREDIT card account and my XXXX XXXX  account and also my XXXX XXXX account were all comprised and I haven't been refunded any of my money back.. I've provided my FTC IDENTITY THEFT REPORT, MY LOCAL POLICE REPORTS AND NOTHING HAVE BEEN RESOLVED YET.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 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: U.S. BANCORP
State: AZ

Complaint narrative:
I did not authorize elan financial to pull my credit report on XX/XX/2019

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 2019-05-17 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: AZ

Complaint narrative:
I did not authorize XXXX XXXX to pull my credit report on XX/XX/2019 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 2019-05-17 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: CarFinance Capital LLC, Irvine, CA Branch
State: AZ

Complaint narrative:
I did not authorize these companies to pull 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 explanation
Consumer complaint received 2019-05-17 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: BB&T CORPORATION
State: AZ

Complaint narrative:
I did not authorize these companies to pull 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 explanation
Consumer complaint received 2019-05-17 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: General Motors Financial Company, Inc.
State: AZ

Complaint narrative:
I did not authorize these companies to pull my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I've made several attempts to receive a copy of my credit report via online and by phone. The security questions will never identify me because the questions are not relevant to me or my credit history. I requested a report in XX/XX/2019 by phone and Equifax sent me a copy of my son 's credit report. I've also submitted a complaint via the annual credit report website about the security questions. I did not receive a response. However, I did receive an email from Equifax regarding credit monitoring. I received the email after filing an identity theft report in XX/XX/2019. I am convinced that Equifax is purposely denying my access to the credit report because of the data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I have submitted a previous dispute ( XXXX ) and now have been advised by my attorney to enter this final dispute before I file a motion with the courts. 

Ive also attached a copy of the Law contract that clearly shows that I wasnt the Co-signer/Maker. This signer was a XXXX XXXX Only. 

This XXXX XXXX was sold in XX/XX/2012. The last payment was made by XXXX XX/XX/2012.

In the complaint filed above the Creditor attached a Third Party Guaranty, It was written by hand, listed no Vehicle Identification Number, and never disclosed.

This negligent reporting behavior by Ally has been detrimental to me personally since the destruction of my property in Hurricane Irma, Ive been denied credit and/or have incurred higher interest rates due to the inaccurate reporting.

Ive made many attempts to clear this from my personal credit file but Ally continues to manipulate the last payment date, account number, and the amount by {$1.00}, I have 24 months of documentation from all 3 CRAs showing this abuse.

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 2019-05-17 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian : I have disputed multiple times with this company to validate a claim regarding XXXX XXXX XXXX XXXX. The dispute comes back the same each time despite the fact I have no account with this company, nor have I ever had an account or contract. They are claiming money for services never rendered, nor can they prove such services. 

Months after I moved out of XXXX XXXX, apparently their client, they tried to submit a claim stating I owed them money for Air Conditioning coils. It's absolutely absurd as I have nothing to do with their maintenance of the apartment. I disputed this and Experian will not properly validate this erroneous claim by XXXX XXXX XXXX XXXX. It was taken off my XXXX report but not Experian. This has adversely affected my ability to purchase a home.

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