vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
On XX/XX/2021, I disputed an account reported by XXXX XXXX XXXX  in the file you maintain under my Social Security Number. 

I was informed on XXXX XXXX that the item was deleted from my credit report. ( Document with proof of this deletion included ). 

Now I have discovered that the item has been reinserted on my credit report. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. 

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 




I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 

I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX. 

Please govern yourself accordingly.

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 2021-04-21 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: TX

Complaint narrative:
On my current Experian credit file there appears a name that is not mine, that I have never used at any time for any purpose, and I do not know who that person is : " XXXX, XXXX '' Further, Experian Credit Reporting claimed that some supposed " debt '' in the amount of {$690.00} was somehow attributable to my home residence address, to this person I never heard of and do not know. 

In addition, I do not owe any such debt at any time. 

This is a well-established, continuing pattern and business practice for Experian by making false claims, over false debts not owed, to serve as financial extortion and blackmail, to promote their " credit repair '' scam by harassing and hounding every unfortunate consumer forced to " visit '' their website into paying them money each and every month for all eternity, just to receive the very same FICO Score to which they are legally entitled. 

And now include a fake name in my credit file as well, copy attached. 

" Conflict of Interest '' on a national scale - Experian ruins your credit file with fraud, then charge you monthly " fees '' for the rest of your life, to " fix '' the very same credit score they just destroyed - for no lawful purpose. 

Experian must remove this fake name from my credit file, and never make financial demand upon me for any other fake name as well.

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 2021-04-21 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: PA

Complaint narrative:
On XX/XX/2021 I sent a dispute letter, a affidavit I filled out and got notarized, a copy of my identify theft report from XXXX, and my drivers license along with my social security card to the Equifax consumer disputes department about the inaccurate and unknown things reported on my credit file. In addition to this I sent a follow up letter and called them on XX/XX/2021 60 days later hoping I would get a response or my items disputed. Til this day over 90 days later I have not received a response or reason other than to submit a dispute letter which I already did twice at this point. I feel like Im being taken advantage of and being ignored my disputes. Section 611 A plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove these items from my credit report. It has been over 90 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to stress youve caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: FL

Complaint narrative:
I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete a thorough investigation. 

As per Section 609, I am entitled to see the validation from the source of the information, which is the original contract that contains my signature. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) the reporting agency must verify the accuracy of the validation. 

Now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received the requested response from this company about these two unverified accounts as of today.

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 2021-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: IL

Complaint narrative:
On XX/XX/2021, I notice a new collection which dropped my credit scores 59 pts, It dropped my credit scores while in the middle of purchasing a home. L J ROSS ASSOCIATES, INC was contacted immediately via email. And after receiving a email from a XXXX XXXX a LJ ROSS ASSOCIATES she stated not to email LJ ROSS ASSOCIATES, INC anymore due to no such account is listed in my name with the account listed and to only reach them at telephone number listed XXXX. On XX/XX/XXXX, I spoke to a representative name XXXX who state she could not locate an account number listed with my name and social security number but insisted she could not remove it unless we send her company an email with the credit bureau listing it. I totally disagree with this first of all I have reside at my address for over 20 year and after researching the Original lender which is XXXX XXXX - I never heard of this company which is located in Wisconsin. PLEASE HELP i totally feel that I am being discriminated against and I will be completing a POLICE REPORT FOR THIS FRAUDULENT ACCT!! XXXX did not try to resolve this account after not locating no such acct with my address and social security number she refused to assist me any further and this is totally discrimination.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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:
There are two accounts on my credit report one is on my experian one is on my XXXX  I dont know what these are or where they are coming from I have not received anything back from the bureaus regarding this please help XXXX XXXX XXXX- Acct # XXXX  {$410.00} No Account Name - Acct # XXXX  {$570.00}

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 2021-04-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I requested a close out statement in writing it was received by Ally Financial on XX/XX/21 according to the certified post marked receipt from the USPS.The document stated I owed 36 payments of {$260.00} and did not document any other charges. I made the 36 payments but now the agency is saying I owe additional charges that were not on the documents I received from them.

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 2021-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
ON XX/XX/21. BANK OF AMERICA INFORMED MY COMPANY XXXX XXXX XXXX  THAT THRY HAVE DECIDED TO CLOSE OUR SMALL BUSINESS ACCOUNT. IMMEDIATELY ON XX/XX/21 WE WERE RESTRICTED FROM ANY ACCESS TO ACCOUNT # XXXX. WE COULDN'T WITHDRAW FUNDS, ACCESS FUNDS THROUGH ONLINE BANKING, WIRE FUNDS, STOP PAYMENTS, GO INTO A STOREFRONT AND CASH CHECKS. NOTHING. HOWEVER BANK OF AMERICA ALLOWED ANY CREDITOR TO CONTINUE TO ACCESS THE ACCOUNT THROUGH DAILEY WITHDRAWALS BEYOND ANY CONTRACTUAL AMOUNTS EVEN AFTER STOP PAYMENT REQUESTS WERE MADE. BANK OF AMERICA FAILED TO PROTECT US THEIR CONSUMER AND OUR PROPERTY UNDER THEIR CARE. CAUSING OUR SMALL BUSINESS TO GO FROM 23 EMPLOYEES TO 6. FROM XXXX PER MONTH INDEPOSITS TO XXXX. STOPING US FROM BEING ABLE TO MAKE BASIC DECISIONS AS TO WHO GETS PAID ETC. PUTTING US IN CONSIDERABLE DEBT. FACING LAWSUITS FROM CREDITORS BECAUSE WE COULDN'T ACCESS THE MONIES DEPOSITED. CAUSING US IN FALL INTO BANKRUPTCY.

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 monetary relief
Consumer complaint received 2021-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a United Airlines Chase credit card. The balance on the credit card was at XXXX percent interest ( after paying an upfront fee ) until, I believe XX/XX/2021. On XX/XX/2021, I was billed the annual membership fee for maintaining the card which was {$95.00}. On XX/XX/2021, I was charged {$0.00} interest and on XXXX XXXX I was charged another {$0.00} in interest. As I not only pay my minimum amount due each month but far in excess of the minimum, I believe Chase should have applied the excess payments toward the {$95.00} membership fee and not charged me any interest in XXXX or XXXX. As I understand the law, any payments received in excess of the minimum payment will be applied first to those charges with the highest interest rate, in this case that was the {$95.00} annual membership fee. Chase refunded my interest of {$0.00} after I called and complained but I do believe that they are not following federal law in applying payments properly.,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have submitted multiple complaints/disputes to XXXX, XXXX  and transunion in regards to my consumer rights being violated. Their abusive credit reporting practices and lack of effort to correct their mistakes, have continued to hinder my ability to achieve a basic means to live. It has impacted me in obtaining employment, financial services, housing and transportation. Attached is my most recent disputes and instructions for resolution.

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 2021-04-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Dear CFPB, I am writing to you regarding 2 documents I received as as a result of a financial Institution ( HUNTINGTON BANK ) opening 2 types of banking products ( as I suspect ) regarding a customer non related to myself. 

I received 2 pieces of banking information ( I.E.- Bank statement, Checking account, Credit card info., etc. ) that was directed to a name UNRELATED to me, but with my full complete address. The name on these documents is SHOWN on the photos you see ( attached ) as XXXX XXXX. 
The reason I'm writing this is because I had set up a Bank account in XX/XX/XXXX from Huntington bank in XXXX, OH in which I was aware that I signed a privacy agreement that should protect my rights to have anyone steal my information ( Privacy law act ) that I do believe may have been violated. 
At the time I received these documents was done back in XX/XX/XXXX. The records should have been reviewed to show that someone has THE CORRECT information ( Personal information ) to process a financial product to be VALID ACCURATE information concerning address content to the applicant who filed it. 
I DO BELIEVE that the bank violated my data BECAUSE the person was in NO POSSIBLE connection to me either via their name, their location or their drivers license proving they ever existed at my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: CA

Complaint narrative:
There are 5 accounts and 3 inquiries that are on my credit report that in no way belong to me I was surprised when I saw this I need this taken care of please since the bureaus are not very respondent and they are not helping me after multiple letters and disputes regarding this. 

XXXX XXXX XXXX - Acct # XXXX {$22000.00} XXXX / XXXX - Acct # XXXXAmt {$710.00} XXXX XXXX XXXX -Acct # XXXX {$8400.00} XXXX XXXX- Acct # XXXXAmt {$0.00} XXXX/XXXX- Acct # XXXXAmt {$0.00} Inquirires XXXX/XXXX - Inquiry date : XX/XX/2019 XXXX/XXXX - Inquiry date : XX/XX/2019 XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/2019 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 2021-04-21 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: CA

Complaint narrative:
There are 5 accounts and 3 inquiries that are on my credit report that in no way belong to me I was surprised when I saw this I need this taken care of please since the bureaus are not very respondent and they are not helping me after multiple letters and disputes regarding this. 

XXXX XXXX XXXX - Acct # XXXXAmt {$22000.00} XXXX / XXXX - Acct # XXXXAmt {$710.00} XXXX XXXX XXXX -Acct # XXXXAmt {$8400.00} XXXX XXXX- Acct # XXXXAmt {$0.00} XXXX/XXXX- Acct # XXXXAmt {$0.00} Inquirires XXXX/XXXX - Inquiry date : XX/XX/2019 XXXX/XXXX - Inquiry date : XX/XX/2019 XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/2019 XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE
State: MA

Complaint narrative:
On XX/XX/2021, I contracted with Western Union Financial Service to send money to my sister-in-law in XXXX. In our contract, it was agreed that I would pay {$4900.00}, plus a {$2.00} fee, to have XXXX XXXX reals deposited into my sister-in-law 's bank account. I paid the money. My Tracking # ( MTCN ) was XXXX XXXX XXXX. 

But Western Union only deposited XXXX XXXX reals into my recipient 's account. The transaction was deficient XXXX Brazilian reals. I contacted Western Union 's customer service to have this rectified, but was only told 1 ) transfer rates are subject to fluctuation and/or 2 ) it must have been taxes taken out by the recipient bank. I feel as though Western Union refuses to actually LOOK into the transaction and actually SEE what was indeed deposited. 

The deficient amount was XXXX XXXX reals, which is approximately over 6 % of the total transaction. This is WAY too much to be explained away by simple market rate fluctuation. As well, the recipient bank says nothing was deducted for taxes at the time of deposit, that is not how taxes are paid in XXXX ( they are paid later at the end of the year in a tax return. ) The bank says they deposit exactly the amount that Western Union sent. 

My spouse had the EXACT same issue on the EXACT same day. Western Union was able to look into her problem and determine that an error had occurred on their end and issued a partial refund for the deficient amount that was not sent by Western Union. This was Western Union incident number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: CA

Complaint narrative:
There are two accounts on my credit report one is on my XXXX one is on my equifax I dont know what these are or where they are coming from I have not received anything back from the bureaus regarding this please help XXXX XXXX XXXX- Acct # XXXXAmt {$410.00} No Account Name - Acct # XXXXAmt {$570.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I purchased cruise tickets for a total of {$700.00} odd dollars on my AMEX gold card. In XX/XX/2020 the cruise was cancelled and XXXX XXXX only allowed to apply for a refund during a small window of time that I was intentionally informed incorrectly of. They refused to give me a refund even though the cruise was cancelled, I filed a dispute with amex who refused to help. I ended up paying for the cruise never taken and closed the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: GA

Complaint narrative:
My student loan was deferred from XX/XX/XXXX to XX/XX/XXXX. However when I reviewed my credit report I noticed that my student loan was marked late every month from XX/XX/XXXX to XX/XX/XXXX ( for a total of 11 late payments that appear on all of my credit reports, with all three bureaus. The purpose of deferring a student loan is to protect borrowers credit rating until we are able to pay.

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 2021-04-21 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: GA

Complaint narrative:
My student loan was deferred from XX/XX/XXXX to XX/XX/XXXX. However when I reviewed my credit report I noticed that my student loan was marked late every month from XX/XX/XXXX to XX/XX/XXXX ( for a total of 11 late payments that appear on all of my credit reports, with all three bureaus. The purpose of deferring a student loan is to protect borrowers credit rating until we are able to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: GA

Complaint narrative:
My student loan was deferred from XX/XX/XXXX to XX/XX/XXXX. However when I reviewed my credit report I noticed that my student loan was marked late every month from XX/XX/XXXX to XX/XX/XXXX ( for a total of 11 late payments that appear on all of my credit reports, with all three bureaus. The purpose of deferring a student loan is to protect borrowers credit rating until we are able to pay.

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 2021-04-21 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: TX

Complaint narrative:
I like to file a dispute for unidentified fraudulent items on my credit report for the following : ( XXXX ) XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX. The ID Theft report number XXXX and attached is a copy of the ID Theft Report with this complaint. Please review.

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