vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am XXXX XXXX and Im submitting this complaint myself and there is NO THIRD PARTY INVOLVED. 

I, XXXX XXXX, consumer and natural person, checked my email today on XX/XX/XXXX at XXXX central standard time and discovered that TRANSUNION at XXXX XXXX XXXX in XXXX, XXXX placed a fraud alert on my credit report without my consent. Ive tried to remove this alert from my credit report, over the phone with this company, but they said I was only able to get this issue resolved either through mail or online.

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 2021-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am XXXX XXXX and Im submitting this complaint myself and there is NO THIRD PARTY INVOLVED. 

I, XXXX XXXX, consumer and natural person, checked my email today on XX/XX/XXXX at XXXX XXXX XXXX time and discovered that TRANSUNION at XXXX XXXX XXXX in XXXX, XXXX placed a fraud alert on my credit report without my consent. Ive tried to remove this alert from my credit report, over the phone with this company, but they said I was only able to get this issue resolved either through mail or online.

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 2021-12-09 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: MD

Complaint narrative:
On XXXX XXXX I called Trans Union to get an update on them removing XXXX inquiries thats all my credit report that is under identity fraud and they stated to me they was going to remove them within XXXX to XXXX hours and that made it has not been done This company has been very rude to me they hang up on you constantly they pass you around and state that theyre going to remove something and they dont do it.This is currently affecting me 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
Consumer complaint received 2021-12-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I opened a Kohls XXXX XXXX on XXXX XXXX XX/XX/2021 in XXXX XXXX, XXXX  to make a purchase to get the additional 35 % off my purchase. I received a credit line of {$600.00} that day. I also paid my amount in full of {$290.00} right there in store. Fastforward to today XX/XX/2021, as I tried calling Kohls XXXX XXXX XXXX XXXX at XXXX to retrieve my account information as my card nor my statement/account number has not yet been received. I am needing the account information to submit to my lender XXXX Mortgage in order to close on the purchase of my home. I was told by Kohls XXXX XXXX ( and the XXXX ) that they can not give my account number over the phone to protect the customer. I also had XXXX ( XXXX XXXX XXXX  ) on the other line ( XXXX way call ) to verify that I need this time sensitive information. I was and am still willing to give Kohls any security information that they need in order to give me my account number. The XXXX emphasized they have no way of getting or giving me my own credit account number. That there is not a number or store I can go to in order to retrieve that information. That I simply have to wait for my card to come in the mail ( which can take up to XXXX weeks from mailing date, which was XX/XX/2021 ). XXXX and I both amplified multiple different scenarios to the XXXX as her consistent answer was to wait for it in the mail as they don't have access to my account number, that it's simply stated on the statement I will retrieve in the mail. I have NEVER held a credit account that I can't get access to my own personal credit account. This information needed for the purchase of my home is VERY time sensitive. And per Kohls XXXX XXXX XXXX Department they simply can not give it to me as they don't have it nor does any person ( s ) or establishments will have that information either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
I noticed a bunch of XXXX XXXX  transactions coming out of my bank. I called Bank Of America to dispute these transactions. I called Bank Of America to file this claim on XX/XX/2021. The total claim amount was {$2100.00}. On XX/XX/2021 I got an update on my claim saying that could not pay me back the money that was stolen from my account. I am absolutely livid. I have been struggling to put food on the table because of this setback. 

I even spoke to XXXX XXXX about this matter and they were absolutely 0 help to me at all ... this is not the first time I have had problems with XXXX XXXX and I believe they are doing some shady stuff behind users backs.

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 2021-12-09 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: MD

Complaint narrative:
Ive paid off several accounts and submitted documents to the credit bureau and its still showing as unpaid when I have paid the accounts off

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 2021-12-09 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: IN

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 2021-12-09 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: GA

Complaint narrative:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, I called Citizen Bank at XXXX to request that my Savings and Checking account be closed. 
XXXX moved the balance in my savings account to my checking account and successfully closed my savings account. He then told me I had to go into a branch to fill out a form to close the account out. The nearest branch in XXXX XXXX, NY is over an hour drive from my home and not an easy commute going thru the city. XXXX then suggested I do a wire transfer and transferred me to XXXX in the mobile transfer department. 
XXXX couldnt help me and transferred me to XXXX in the wire department. 
XXXX said I needed to go to the branch to fill out a form which I told him I live too far. He then transferred my call to the customer service department. 
I asked to speak to a Supervisor as I was now on the phone over 1 hour and 20 mins. XXXX identified herself as a Supervisor and instructed me to send a letter to the XXXX XXXX office requesting the account to be closed. As soon as I hung up the phone with her, I wrote the letter and immediately mailed it as I need the funds as soon as possible. 
Yesterday, my husband took a call from XXXX XXXX, XXXX XXXX XXXX XXXX indicating that I now need to write ANOTHER letter requesting my account to be closed and mail it to a different address. Due to the inaccurate information I was given by XXXX, I now have to wait even longer to get my funds. This is completely unacceptable. 

To top it all off, I called the Citizen Bank number today, XX/XX/XXXX from the number that XXXX XXXX called from yesterday ( XXXX ) to determine if the letter I already wrote could be sent interoffice instead and while waiting in queue for a customer service representative ( where the automated message indicated the wait time was in excess of 5 mins ), a message came on that due to technical difficulties, my call can not be handled at this time and I should call back later. The call then was automatically disconnected. This occurred at XXXX today, XX/XX/XXXX. 

I then called the XXXX XXXX Branch Office at XXXX and pressed the option to speak to a Branch colleague. It rang about 20 times and then automatically disconnected.

Ive had accounts at many different banks throughout my lifetime and I have NEVER experienced an issue getting money out of any accounts until now. This experience and level of no-service is scary and completely unacceptable which is why I took this opportunity to file a formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: MD

Complaint narrative:
i am extremely upset. i sent in a dispute on my behalf well over 60 days ago and present this day which is XXXX nothing has been done. i also noticed that they have not updated my consumer report with any indication that i have been disputing the items on my consumer report. my first dispute dates back to XXXX of XXXX and still my report indicates nothing that i have disputed this negative information which is the failure to communicate that a disputed debt is disputed. with that i am requesting that the items be removed from my consumer report and an updated consumer report showing that be sent to me. i would very much love it if the consumer reporting agencies do the job that they have assumed the position to do. Also i never provided them with the written instruction to put these accounts on my consumer report, they did not have permissible purpose. my report also shows these accounts are collection accounts but have a balance, which is not even possible. at this point i notice that the consumer reporting agencies are throwing anything on my report as long as they are getting payment to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: FL

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter was sent to TransUnion last XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of inquiry that are still reporting on my Credit Reports : XXXXXXXX XXXX XXXX Inquiry Date XX/XX/2021

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 2021-12-09 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 am XXXX XXXX and I'm submitting this complaint myself and there is NO THIRD PARTY INVOLVED. 

I, XXXX XXXX, consumer and natural person, submitted a dispute to TRANSUNION and they stated in writing that they've " VERIFIED '' that the items I disputed are being " reported correctly ''. They have NOT provided me a copy of ANY original documentation that they have on file that is required under Section 609 & 611 ( a ) ( 1 ) ( A ) - ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " ... promptly DELETE all information which CAN NOT be verified. ''

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 2021-12-09 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: TX

Complaint narrative:
I have already submitted a XXXX verification request from Experian for some reason they will not remove account that has Been removed from other credit bureau such as XXXX and XXXX XXXX but for some reason Experian has not updated there and as far as a XXXX account On my credit report I submitted documents from XXXX as well as myself proving that the account is inaccurate and they still have not modified my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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 am XXXX XXXX and I'm submitting this complaint myself and there is NO THIRD PARTY INVOLVED. 

I, XXXX XXXX, consumer and natural person, submitted a dispute to TRANSUNION and they stated in writing that they've " VERIFIED '' that the items I disputed are being " reported correctly ''. They have NOT provided me a copy of ANY original documentation that they have on file that is required under Section 609 & 611 ( a ) ( 1 ) ( A ) - ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " ... promptly DELETE all information which CAN NOT be verified. ''

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 2021-12-09 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: NY

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 Data Breach 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 2021-12-09 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: NY

Complaint narrative:
I have sent letters to Equifax, XXXX and XXXX 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 Equifax 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 Equifax Data Breach 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 response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Revenue Corporation
State: TX

Complaint narrative:
United Revenue Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, DE, XXXX To : The XXXX XXXX XXXX XXXX for United Revenue Corporation From : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX Enclosed you will find your abandoned paperwork alleging that XXXX  XXXX XXXX, who appears to be fraudulently claiming authority of this Executor Office to administrate for the XXXX XXXX. 

You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for jurisdiction. 

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable XXXX Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 

govern yourself accordingly. 




By : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I received my credit report and found an account from them that is not mine. It said I owed {$1300.00}. I have never had an account with them. We had several people staying at our house I do not know if they done something, or someone got my information off the website not sure. I contacted the credit bureau 's and they said everything was verified as accurate and the company agreed. I have asked for a application or contract with my name on it bearing my signature and no one has given me anything. This is because they have nothing this is not mine.

Company response to consumer: Closed with explanation