vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-10 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 countless letters to XXXX  and TransUnion about deleting two accounts from my Consumer report. I served both XXXX XXXX  and XXXX XXXX a Cease and Desist Notices asking the companies to stop furnishing my information to the Consumer Reporting Agencies. I need each account DELETED from my Consumer report ASAP.

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 2021-08-10 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: FL

Complaint narrative:
On XX/XX/XXXX i sent a mail to the XXXX, XXXX  and transunion regarding identity theft and still have not receive a response yet. Its been over 45 days. I recently check my credit from XXXX and i notice the fraudulent accounts are still on my credit report. I dont normal check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web. Also, i was affected by the XXXX  breach that happen a few years ago. When i contact the 3 credit bureaus again, i was told to get an FTC report. I have attached my ftc report with my drivers license and social

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 2021-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Received letter from XXXX dated XXXX XX/XX/2021 saying they denied an application for a XXXX XXXX credit card that I never applied for. I have called them 5 times to speak to their security/fraud team, have waited on hold for over 30 minutes every time and in one case over an hour, and have yet to get to anyone in their security team to dispute the application. I've told their customer service people about how that extension ( to their security service ) is a dead link, but there is no other contact phone number for them, and their online form you can fill out in case of fraud ( https : XXXX XXXX ) requires an active XXXX account ( which I don't have ). 

I need help getting this hard credit pull off of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
XXXX XXXX I enrolled in financial assistance on the Bank of America Application. 

I received and email that my payment will be {$320.00} due by XXXX XXXX. 

It was my understanding that the payment was due XXXX XXXX {$320.00}. I received 30 day late credit reporting and an E statement stating Your account is 2 payments past due, with {$540.00} due today. Today, XXXX XXXX before close of business, the day I was advised to pay {$320.00}. Ive been misled by Bank of America deceptive practices and have been negatively impacted due to a written disclosure omitting information on the service. Ive received collections calls on my cell phone number without consent, before XXXX XXXX the date I believed to be my payment date due to the financial assistance agreement I received. The lack of understanding of the reduced payment agreement is due Bank of America withholding the accurate conditions with an account that is current.

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 2021-08-10 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: NY

Complaint narrative:
Errors and inaccurate information on my credit report I sent in letters to correct and remove inaccurate information but they still reporting inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
Former creditor JP Morgan Chase/Amazon willfully allowed another XXXX dollar in asset company XXXX XXXX to make unauthorized fraudulent charges up to a total of 1 to 6 a day totaling $ XXXX to card ending in XXXX. This account was closed {$0.00} balance in XX/XX/2020. In XXXX Chase opened acct XXXX ane reported to all 3 bureaus decreasing my score from XXXX to XXXX. As a result unable to refinance my home even though all other creditors reflect an outstanding payment history Police report was provided but a consumer statement was not accommodated. Contacted FTC case XXXX ; and OCC referred case # XXXX to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have sent in countless letters to Equifax Information Services, LLC about deleting the XXXX account that is on my report. XXXX  and XXXX have been both served with a Cease and Desist Notice. The account needs to be deleted from my Consumer report. I did not give Equifax permission to furnish any information to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/21 I sent letters to each bureau. I have not received a response yet. I feel like I'm being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This account has been paid off for over a year but its still showing up as a delinquency although paid and closed. I also received a credit back from Bank of America. This is keeping my score from moving forward which is keeping me from things I need to be a productive part of society. Please remove this from 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 2021-08-10 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: TN

Complaint narrative:
This complaint includes CFPB, XXXX, and TransUnion. CFPB DO NOT DISCARD AS DUPLICATE AS YOU HAVE DONE SO MANY TIMES PREVIOUSLY. CFPB YOU WERE CREATED TO HELP CONSUMERS BEING TREATED UNFAIRLY AN INJUSTICE AGAINST THE CRA 'S, WHEN WILL THE CFPB BEGIN DOING SO?? I SENT AN EMAIL TO THE INTERIM DIRECTOR AT THE CFPB Mr. XXXX. After reaching out to CFPB Ombudsman. XXXX, TransUnion are stating that they're verifying information with the furnisher XXXX regarding 3 bankruptcies filed in my name in United States XXXX District of Tennessee Bankruptcy Court in XXXX, TN. XXXX  has refused numerous times to provide there Method of Verification as requested by me. XXXX sent a letter to CFPB back in 2020 stating the removal of the bankruptcies from their files. XXXX have sent recently another letter to me showing no bankruptcies are listed. However, XXXX, TransUnion have been stating that they '' ve verified information as being accurate through XXXX since 2020. I provided them with an FTC Identity Theft report, police report and a lot more documentation, yet they have not removed them. I have never lived in XXXX, TN. I want these bankruptcies off of my credit report. Along with XXXX XXXX XXXX loan. CFPB should investigate how the XXXX  and TransUnion have been verifying and reporting information from the furnisher XXXX, that they're not reporting.

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 2021-08-10 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: TN

Complaint narrative:
This complaint includes CFPB, Experian, and XXXX. CFPB DO NOT DISCARD AS DUPLICATE AS YOU HAVE DONE SO MANY TIMES PREVIOUSLY. CFPB YOU WERE CREATED TO HELP CONSUMERS BEING TREATED UNFAIRLY AN INJUSTICE AGAINST THE CRA 'S, WHEN WILL THE CFPB BEGIN DOING SO?? I SENT AN EMAIL TO THE INTERIM DIRECTOR AT THE CFPB Mr. XXXX. After reaching out to CFPB Ombudsman. Experian, XXXX  are stating that they're verifying information with the furnisher XXXX regarding 3 bankruptcies filed in my name in United States XXXX District of Tennessee Bankruptcy Court in XXXX, TN. Experian has refused numerous times to provide there Method of Verification as requested by me. XXXX sent a letter to CFPB back in 2020 stating the removal of the bankruptcies from their files. XXXX have sent recently another letter to me showing no bankruptcies are listed. However, Experian, XXXX  have been stating that they '' ve verified information as being accurate through XXXX since 2020. I provided them with an FTC Identity Theft report, police report and a lot more documentation, yet they have not removed them. I have never lived in XXXX, TN. I want these bankruptcies off of my credit report. Along with XXXX XXXX XXXX loan. CFPB should investigate how the Experian and XXXX  have been verifying and reporting information from the furnisher XXXX, that they're not reporting.

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 2021-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: SC

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: TX

Complaint narrative:
FCRA VIOLATONS : REMOVE : XXXX XXXX XXXX XXXX XXXX XXXX ONLY REMOVE THESE INFO : XXXX XXXX XXXX XXXX, TX XXXX Dispute this ACCOUNTS ONLY REMOVE : XXXX  XXXX/XXXX  : XXXX View account details Account status Age of Account Late payments Closed 4 years 4 months 4 days 6 View account details Account status Age of Account Late payments Closed 2 years 11 months 24 days XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 5 months 19 days XXXX XXXX : XXXX XXXX View XXXX, XXXX : XXXX XXXX View account details Account owner Individual Account Date reported XX/XX/XXXX Account status Unpaid Original Creditor XXXX XXXX XXXX XXXX Date assigned XX/XX/XXXX XXXX XXXX XXXX View account details Account owner Individual Account Date reported XX/XX/XXXX Account status Unpaid Original Creditor XXXX XXXX XXXX XXXX  Date assigned XX/XX/XXXX XXXX, XXXX. 
View account details Account owner Individual Account Date reported XX/XX/XXXX Account status Unpaid Original Creditor XXXX XXXX XXXX XXXX Date assigned XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
This account has been paid off for over a year but its still showing up as a delinquency although paid and closed. I also received a credit back from XXXX  XXXX XXXX. This is keeping my score from moving forward which is keeping me from things I need to be a productive part of society. Please remove this from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Express Recovery Services, Inc.
State: WY

Complaint narrative:
My mother was in a XXXX XXXX  in 2019 the XXXX XXXX  forced me to sign as responsible party which is illegal. She was denied XXXX I tried to work with them and they turned me over to express recovery services who only told me to pay up! No voicemails left no communication and never validated the debt. Now they are suing me for my mothers bill which legally I am not responsible for!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Army and Air Force Exchange Service
State: SC

Complaint narrative:
Military Star Card : XXXX XXXX XXXX for activity duty and retired service members and there family. I Got behind on my star card and was unable to catch up my payments when I started working for USPS star card collections agency contacted my job and started taking money from my pay a different amount each time depending on what I make every two weeks I contacted this collection agency and try to set up a payment plan and they would not work with me they wanted all are nothing. I tried reaching out to them again to settle the debit with the original amount of the credit card which was XXXX I told them I could settle the debit in two schedule bank drafts payment and was willing to give them my bank information and two dates that were within 30 days to draft the payments. The collection agency told me to call back when I have all of the XXXX to pay on the same day. The collection company is charging me high interest fees and collection fees every month only about 1/3 of the monies they are taking from my pay is going towards paying off the debit. The original credit amount was XXXX and now with all the interest and collection fees I owe over XXXX dollars so far the collection agency has garish XXXX from my paychecks and not even half has been put towards the debit just paying collection fees and interest the debit is steady going up and not down.

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 2021-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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:
On XX/XX/XXXX i sent a mail to the XXXX, equifax and XXXX  regarding identity theft and still have not receive a response yet. Its been over 45 days. I recently check my credit from XXXX and i notice the fraudulent accounts are still on my credit report. I dont normal check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web. Also, i was affected by the equifax breach that happen a few years ago. When i contact the 3 credit bureaus again, i was told to get an FTC report. I have attached my ftc report with my drivers license and social

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: FL

Complaint narrative:
I have disputed accounts that are inaccurate and unverified on my credit reports multiple times, and the credit bureaus have only marked the item disputed. I have never received results from the bureaus, and I have never received any information about the accounts at all! I am really upset about it!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: NY

Complaint narrative:
This complaint is follow-up to complaint # XXXX. 

After I got of the phone with BBVA and they claimed to reverse overdraft fees in the amount of {$64.00}, they assessed another {$32.00} fee on XX/XX/XXXX and another on XX/XX/XXXX for the same return check problem. I contacted the credit card company to change payment on XX/XX/XXXX and had already spoken to someone the day I submitted my complaint to stop payments and return the fees. 

I am going to close my account with this corrupt bank. I just found out that it only has one physical bank in all of XXXX XXXX.

Company response to consumer: Closed with monetary relief