vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-24 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/2020, through a 3rd party monitoring service ( XXXX ), I was notified of a 41 point drop in my credit score within a week. I was shocked by the magnitude of the drop as there was no reason for the drop in my score. Please consider the following facts : No accounts opened/closed during this period No new hard enquiries No missed/late payments No derogatory remarks. 
The only change during this period was a {$25.00} payment made by my wife on her XXXX XXXX credit card. I am an add-on member for this account. The strangest thing is that there has been no impact on my wife 's credit score while mine went down by 41 points. 
I got copies of my credit report at all 3 credit agencies ( dated XX/XX/2020 ) and there are no adverse changes. 
After obtaining the free credit report, I called Transunion on XXXX XXXX to resolve the issue. They confirmed there are no adverse changes to my credit report but refused to share my score. Despite repeated requests they were unwilling to share the reason behind the massive 41 point drop in scores. They refused to share my score with me. The Transunion representative tried to coerce me to sign up for a paid credit monitoring service and said they would not share more information unless I did so. 
I want to file a complaint against this arbitrary, unfair behavior by Transunion. Based on the sequence of events, this seems to be an attempt to unfairly tarnish my reputation as a responsible borrower. Given the company 's response, I strongly suspect that I am being discriminated against by Transunion.

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 2020-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Systems International, Inc.
State: AL

Complaint narrative:
I was contacted by letter with Credit Systems International Inc for XXXX XXXX with a Past Due amount of {$700.00}. I contacted Credit Systems after receiving the letter explaining to them that due to Covid-19 my Car Lot closed. I contacted Alabama Power and told them I was moving and to disconnect the power, well they didn't and my Ex Landlord had another Car Dealer take possession of the property the next day. I put up a {$750.00} deposit and didn't owe the Company any money. After responding to the letter I was told the file would be put in dispute. Well 2 weeks later I get a Alert from XXXX XXXX and XXXX XXXX saying a collection from this company was put on my XXXX and XXXX Credit Report. On XX/XX/20 I spoke with the Supervisor Mrs. XXXX XXXX and she promised me that she would delete the collection off of my Credit Report. I take pride in having Great credit, I have 6 Credit Cards paid on time and a Mortgage paid on time too. Right now Credit Systems International Inc. violated my rights under the Fair Credit Reporting Act and they are liable for damages in State and Federal Court for {$1000.00} each plus other damages. Presently I am trying to obtain a Loan to reopen my business but due to this collection I have been declined, they need to pay me {$50000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Immediate Credit Recovery
State: TN

Complaint narrative:
A representative from ICR Inc ( Immediate Credit Recovery , Inc ) has called multiple times over several days, refusing to provide anything but a first and last name as identification without *me* providing the last 4 of my social security number. I repeatedly refused to identify myself without verifying what company the representative was calling from was legitimate. 

The representative finally said " Fine, I'll verify the last 4 digits we have on file and you can tell me if they are correct. # # # # '' and gave my correct last 4 without having ANY idea who was on the other line. The representative confirmed that she was being recorded on her end of the call. 

I had no confirmed my name, only repeatedly asked for the called to identify the company she was calling from. I thought this was a WORK call and was trying to figure out what client I was talking to, and heard my own social given out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am requesting that this complaint be forwarded to the XXXX XXXX XXXX XXXX regulators. This is a second complaint after several other complaints prior we're not resolved after the respondent has made a clear admission of fraud buy placement of collateral protection insurance on a loan after Commission of the loan. He complained it is a business consumer and is requesting that this complaint which can be found as reference in the document attached to this request where the complaint originally filed can be found has referenced in the attachment. The complainant and respondent has attempted to resolve this matter between themselves and by use of a third-party mediator known as a company by the name of jams. The consent order in the original complaint and the the XX/XX/XXXXXXXX order is not the company got the court authorized the mediation between parties. The Invention has complained had caused irreparable harm upon the complainant whom is a totally and permanently XXXX veteran of the XXXX XXXX XXXX and business owner who has suffered collateral in economical damages, past and future and all matters subject in this complaint is warranted as authorized by the Dodd-Frank consumer protection act the code of federal regulations, and as recently decided in the case Seila Law Firm versus the Consumer Financial Protection Bureau decided by the Supreme Court of the United States honor about XXXX ofXX/XX/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 2020-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Orions Management Group, LLC
State: TX

Complaint narrative:
Orions Management a collection company contacted me about a debt for Credit Shop which I advised them that I had just received a notice from another collection agency, XXXX, that also stated I owed on the debt. I asked them if they were affiliated which they stated they were not. I advised Orions Management that I had filed an identify theft report about this debt which I provided them and requested the debt be validated and that they provide me with proof of the legal right to collect on the debt. They sent me some copied documents and a spreadsheet which I advised that the information was fraudulent and that more is need to validate that the debt was mine. In addition, I advised that the identify theft affidavit was submitted in reference to this debt with the prior collection agency that contacted me during this same time and I also submitted an identity theft affidavit to Orions Management which they stated they wanted a police report. Since that time I have tried to obtain a police report but was advised that I needed to file a report on Identifytheft.gov, which I did. The representative with Orions Management advised me that they would send documentation that they owned and have legal rights to collect the debt but has failed to do so and advised me to call another collection agency to " ask '' them who the debt was sold to. I advised the representative at Orions Management that documentation must be provided not just a phone call that I have to make to a company that purportedly owned the debt before selling the debt. Since that time Orions Management has failed to validate the debt and provide proof of ownership of the debt and place the collection on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I had an account with " MOR furniture for less '' that was paid off in full in XXXX. The payment posted to the account on XX/XX/XX/XX/XXXX and the account now has aXX/XX/XXXX balance. As of XX/XX/ MOR is still reporting a balance of {$3200.00} owed to all three credit bureaus. The account is PAID OFF, and has a {$0.00} balance. I have attempted to contact them to get them to report the accurate account balance to all three bureaus but have been unsuccessful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: WI

Complaint narrative:
Fedloan reported delinquency on loan payments by failing to allocate payments correctly. I, the borrower, submitted the required payments as agreed, of which it is solely Fedloans responsibility to allocate the payments to all sequences of loans. Only Fedloan has power to allocate payments. As a Borrower, am can only submit a payment as whole, of which Fedloan segments and allocates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I have tried to submit numerous disputes with XXXXXX/XX/XXXX company in regards to the misinformation on my credit report. There is several things reporting inaccurately. I can provide documentation, I have asked for this account to be DELETE immediately.

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 2020-11-25 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I have tried to submit numerous disputes with XXXX XXXX company in regards to the misinformation on my credit report. There is several things reporting inaccurately. I can provide documentation, I have asked for this account to be DELETE immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: MN

Complaint narrative:
I have tried to submit numerous disputes with XXXX XXXX company in regards to the misinformation on my credit report. There is several things reporting inaccurately. I can provide documentation, I have asked for this account to be DELETE immediately.

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 2020-11-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
RECIEVED A PROMOTIONAL OFFER OF 0 % ON PURCHASES OVER {$490.00} ON FIRST BANKCARD - XXXX CREDIT CARD FOR 6 MONTHS ( I AM AN EXISTING CARD MEMBER FOR MANY YEARS ). WHEN MAKING A PAYMENT THEY WILL NOT PUT ANY EXCESS TO THE PROMOTION THEY WILL ONLY PAY THE INTEREST BEARING CHARGES FIRST AND WHEN THE STATEMENT COMES OUT TO PAY OFF THEY WILL NOT ALLOCATE THE PAYMENT TO PAY IT OFF IF THERE ARE CHARGES APPLIED AFTER THE STATEMENT CUTOFF DATE. A CONSUMER WILL NEVER PAY OFF THE PROMOTION BEFORE THE EXPIRATION DATE AND THEREFORE THE INTEREST WILL BE CHARGED. IT IS A BAIT AND SWITCH PROMTION ON THE CARD. I WILL BE PAYING THE ACCOUNT OFF BEFORE THE PROMOTION EXPIRES AND CANCELLING THE CARD. FOR OTHER CONSUMERS THEY WILL HAVE A HARD TIME PAYING THIS CARD OFF AND MAKING USE OF THE 0 % PROMOTIONS THEY OFFER. THIS IS EXTREMELY BAD BUSINESS AND A FRAUD ON THEIR PROMOTIONS.

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 2020-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I checked my credit report and notice accounts that not mines. i been a victim of identity fraud in the past. I provided 2 copies of my ID to prove my identity.

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 2020-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams & Fudge, Inc
State: NJ

Complaint narrative:
The XX/XX/XXXXXXXX XXXX, credit card limit was {$300.00}. Furthermore they told me the balance was {$600.00}, which is the incorrect amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$2300.00} -This is not my 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 2020-11-24 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: U.S. BANCORP
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX and I am trying to purchase a home. 
On my credit is showing a collection open reported on XX/XX/XXXX in the amount of {$73.00} from US Bank that was a car lease that ended and I took another car with the same institution. It seems that calculating the pay-off it was a balance due of {$73.00} Dollars that I was not told or even advise in writing. I have another car finance with US Bank since XX/XX/XXXX and never have miss a payment to this date. 
I intend to correct this problem with them but to no avail. 
Account number reported # XXXX. I have requested a letter that this account reported on my credit report as a derogatory account on XX/XX/XXXX is wrong and that has been paid but no help from this institution. 
I am trying to purchase a home and XXXX XXXX keep declining my file for the wrong information entered. This is an abuse of power and also discrimination. I need this to be deleted from my credit history since I also have tried with the three credit bureaus and also to no avail. So I pray and hope that this complaint will be my solution to this empty road.

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 2020-11-24 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: AZ

Complaint narrative:
I HAVE SEVERAL ISSUES WITH MY CREDIT REPORT SEE LIST ON ATTACHED WORD DOC ' MY ADDRESS HAS ERRORS THERE ARE MULTIPLE UN AUTHORIZED INQUIRIES THERE ARE LATE PAYMENTS THAT NEVER HAPPENED THERE ARE COLLECTION ACCOUNTS THAT ARE NOT MINE THERE IS A CHAPTER XXXX THAT IS NOT MINE I HAVE ATTACHED A LETTER WITH EVERY DETAILED EXPLANATION OF THE ITEMS TO BE FACTUALLY CHALLENGED AND CORRECTED

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 2020-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I checked my credit report and notice accounts that not mines. i been a victim of identity fraud in the past. I provided 2 copies of my ID to prove my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: IN

Complaint narrative:
XX/XX/XXXX I sent XXXX, XXXX and Trans Union a letter requesting them to remove all Hard Inquiries that did not have permissible purpose to be removed. 

None were removed by this letter I sent every Bank that pulled my credit and explained I did not apply for the loan. One removed it on their own. 

XX/XX/XXXX I sent XXXX, Trans Union and XXXX a letter from XXXX XXXX XXXX that said I did not have permissible purpose for a credit check. 

I found out there were 19 Hard inquiries on the XXXX and XXXX XX/XX/XXXX for a car loan. I had a car so I investigated and talked to XXXX managers at XXXX XXXX XXXX till finally they realized I was never in the building or ever applied for the credit. Then they gave me a letter saying I did not apply for the credit and all my inquiries should be removed. 

I contacted XXXX 2 weeks ago on the phone and they said I needed a police report to remove the inquiries. 



XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX XXXX XXXX CH Automotive XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX/Personal XX/XX/XXXX TransUnion XXXX XXXX XXXX/Personal XX/XX/XXXX TransUnion XXXX XXXX XXXX BXXXX  XX/XX/XXXX TransUnion XXXX XXXX Bank XX/XX/XXXX TransUnion XXXX XXXX I Travel/Entertainment XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion I did not apply for that credit, I had no idea about the credit that was being applied for. I want this removed. Its not my responsibility. I didn't do it.

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 2020-11-24 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: IN

Complaint narrative:
XX/XX/XXXX I sent XXXX, Equifax and XXXX XXXX a letter requesting them to remove all Hard Inquiries that did not have permissible purpose to be removed. 

None were removed by this letter I sent every Bank that pulled my credit and explained I did not apply for the loan. One removed it on their own. 

XX/XX/XXXX I sent XXXX, XXXX XXXX and Equifax a letter from XXXX XXXX XXXX that said I did not have permissible purpose for a credit check. 

I found out there were 19 Hard inquiries on the XXXX and XXXX XX/XX/XXXX for a car loan. I had a car so I investigated and talked to 3 managers at XXXX XXXX XXXX till finally they realized I was never in the building or ever applied for the credit. Then they gave me a letter saying I did not apply for the credit and all my inquiries should be removed.

I contacted Equifax 2 weeks ago on the phone and they said I needed a police report to remove the inquiries. 



XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Finance/Personal XX/XX/XXXX XXXX XXXX XXXX Finance/Personal XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX I Travel/Entertainment XX/XX/XXXX XXXX XXXX Finance/Personal XX/XX/XXXX XXXX I did not apply for that credit, I had no idea about the credit that was being applied for. I want this removed. Its not my responsibility. I didn't do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: GA

Complaint narrative:
There are several accounts reporting on my Credit Report that does not belong to me. Please assist me in getting these accounts removed from my credit file : XXXX/XXXX - Bal : {$470.00} XXXX XXXX - Bal : {$4200.00} XXXX XXXX - Bal : {$0.00} Incorrect Address : XXXX XXXX XXXX Incorrect Address : XXXX XXXX Incorrect Address : XXXX There are also incorrect late status reporting on my credit report. I was never late on the following accounts : XXXX/XXXX  - Bal ; {$470.00} XXXX XXXX - {$0.00} XXXX/XXXX - {$3200.00}

Company response to consumer: Closed with explanation