vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
FTC filed this is not my account nor obligation 15 use 1681 ( b ) ( A2 ) - costume law I need for u to remove all .This is a violation of my consumer rights 15 usc 1681b ,15 usc 1692j, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f

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 2021-07-05 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: PA

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX is no obligation of mines and violates my consumer rights 15 usc 1692j, 15 usc 1692c ( b ), 15 usc 1692c-, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f, 15 usc 1692b, 15 usc 1681b In order to finish my report you have to have my written consent,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 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: FL

Complaint narrative:
a Federally protected consumer under title 15 chapter 41 ; Pursuant to subsections ( a ) and ( b ) of 15 USC 6802 prohibit the disclosure of my nonpublic personal information without my consent, I NEVER GAVE Transunion my written consent to report anything on my consumer report 15 U.S Code 6802 ( a ) and 15 U.S Code 6802 ( b ), No consent is Identity Theft. If all accounts are not removed ; the consumer is owed actual damages under 15 USC 1692k. A copy of the law is attached with this dispute letter. 

In light of these violations of my consumer I've sent certified mails to all three credit bureaus with tracking numbers to attest the validity of my claims. 

XXXX  ( Tracking # XXXX ) The item was delivered to an individual at the address at XXXX XXXX on XX/XX/2021 in XXXX, TX XXXX. 

XXXX ( XXXX # XXXX ) The item was delivered at XXXX XXXX on XX/XX/2021 in XXXX, GA XXXX. 

Transunion ( Tracking # XXXX ) The item has been delivered to an agent for final delivery in XXXX, PA XXXX on XX/XX/2021 at XXXX XXXX 

In my attached files are copies of the law.

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 2021-07-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
a Federally protected consumer under title 15 chapter 41 ; Pursuant to subsections ( a ) and ( b ) of 15 USC 6802 prohibit the disclosure of my nonpublic personal information without my consent, I NEVER GAVE XXXX my written consent to report anything on my consumer report 15 U.S Code 6802 ( a ) and 15 U.S Code 6802 ( b ), No consent is Identity Theft. If all accounts are not removed ; the consumer is owed actual damages under 15 USC 1692k. A copy of the law is attached with this dispute letter. 

In light of these violations of my consumer I've sent certified mails to all three credit bureaus with tracking numbers to attest the validity of my claims. 

Experian ( Tracking # XXXX ) The item was delivered to an individual at the address at XXXX XXXX on XX/XX/2021 in XXXX, TX XXXX. 

XXXX ( XXXX # XXXX ) The item was delivered at XXXX XXXX on XX/XX/2021 in XXXX, GA XXXX. 

XXXX ( Tracking # XXXX ) The item has been delivered to an agent for final delivery in XXXX, PA XXXX on XX/XX/2021 at XXXX XXXX. 

In my attached files are copies of the law.

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 2021-07-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
In XXXX of XXXX, I fell on hard times due to the current COVID-19 pandemic accompanied by the passing of my father. The pandemic and passing of my father left me extremely strained emotionally and financially. I had informed Nordstrom Credit Card Services of my ongoing circumstances and asked for all of the late fees for the current year to be waived. I was then met with much resistance. I was also told that my fees could not be waived due to them stopping the waiving of fees back in XXXX of XXXX. This is absolutely ridiculous considering that I have been a cardholder since XXXX and HAVE NEVER made a late payment, but when I truly need some assistance I am given nothing. I am currently a full-time college student as well as working full-time. I would like Nordstrom to remove any and all Late Fees from my account ranging from XX/XX/XXXX thru XX/XX/XXXX. I recently made a payment of {$220.00} to the account to be brought current but was then lied to and told that nothing could be done about the late fees. I am honestly disgusted with Nordstrom credit card, and it is truly appalling that I have to file a formal complaint to just get some sort of proper assistance. After this card is paid off I can assure you that I will no longer give Nordstrom credit card my business.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
Hello Ive requested on several occasions XXXX  debts are validated from XXXX XXXX  and XXXX  or be removed for being falsely posted on my credit. They have all failed to validate the debt or remove the collections from my credit file. I sent two rounds of letters, once on XX/XX/ and also on XX/XX/ requesting the medical records be validated or removed and neither has been done. There are several medical records on my report that I need to be validated or removed, its about 11 collection accounts that need to be rectified.

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 2021-07-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I provided information to Experian about improper use of my report. The company responded there is an unauthorized third party and the company needs authorization from me to proceed with the complaint. There isn't any third party involved. 
It is I XXXX XXXX who requested this information to be remove because i didn't give Experian authorization to post on my consumer credit report. 

On XX/XX/XXXX, The undersigned Secured Party caused a complaint to the Consumer Financial Protection Bureau ( CFPB ) about a fraudulent bank ( XXXXXXXX XXXX home designed credit card ) placed on my consumer report by Experian, XXXX, and XXXX. Dear debt collector/ credit bureau XXXX I am, a federally protected consumer. Subsections ( A ) and ( B ) of 15 USC 6802 prohibit the disclosure of my nonpublic personal information without my consent. Please remove XXXX XXXX home-designed credit card accounts from any public record. If all accounts are not removed the consumer is owed actual damages under 15 USC 1692K.

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 2021-07-05 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: MO

Complaint narrative:
On XX/XX/2021 sent initial dispute requesting for the bureaus to verify some accounts and shows that the investigation never took place. I know that the investigation never took place for XXXX XXXX and XXXX XXXX because it does not show in the comments that this account was ever under investigation nor does the status update shows that it was ever investigated. Then on XX/XX/XXXX sent another set of disputes requesting information on these accounts which are attached below and never shows updated for the status or in comments. The Bureaus are definitely in direct violation and at this point due to passing he timeframe allowed for the investigations, I'm requesting for deletion. Attached is proof that these accounts were disputed but never investigate. If the bureaus choose to now try an investigate these accounts I would like documentation and method of investigation and contact information. 
Also attach is my DRIVER 'S LICENSE AND PROOF OF RESIDENCE, with this information and complaint I am giving full authorization to investigate this matter.

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 2021-07-05 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: FL

Complaint narrative:
a Federally protected consumer under title 15 chapter 41 ; Pursuant to subsections ( a ) and ( b ) of 15 USC 6802 prohibit the disclosure of my nonpublic personal information without my consent, I NEVER GAVE XXXX my written consent to report anything on my consumer report 15 U.S Code 6802 ( a ) and 15 U.S Code 6802 ( b ), No consent is Identity Theft. If all accounts are not removed ; the consumer is owed actual damages under 15 USC 1692k. A copy of the law is attached with this dispute letter. 

In light of these violations of my consumer I've sent certified mails to all three credit bureaus with tracking numbers to attest the validity of my claims. 

XXXX ( Tracking # XXXX ) The item was delivered to an individual at the address at XXXX XXXX on XX/XX/2021 in XXXX, TX XXXX. 

Equifax ( XXXX # XXXX ) The item was delivered at XXXX XXXX on XX/XX/2021 in XXXX, GA XXXX. 

XXXX ( Tracking # XXXX ) The item has been delivered to an agent for final delivery in XXXX, PA XXXX on XX/XX/2021 at XXXX XXXX 

In my attached files are copies of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 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:
I checked my personal credit report, and I noticed that unauthorized inquires have been made ( see below ) I request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed below. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation.

I also requested removal of multiple addresses found on my credit report 60 days ago. I would like them removed immediately, and have my current address updated on all credit reports. My Correct address is XXXX XXXX XXXX XXXX XXXX, TX XXXX. 



PLEASE REMOVE THE FOLLOWING : FCRA VIOLATION XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX Below you will find inquires that need to be removed, see attached files as well. 




XXXXXXXX XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX XXXX  Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX  Auto Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX Auto Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Thank you for your help and assistance. 

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 explanation
Consumer complaint received 2021-07-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX I attempted a purchase from XXXX XXXX XXXX which was declined. XXXX XXXX XXXX notified me XX/XX/XXXX, the payment was declined and requested another source of payment. I provided my XXXX XXXX account information and received confirmation from XXXX XXXX of my purchase. Order # XXXX. On XX/XX/XXXX within the 60 days of the date the charge was posted to my account I notified Bank of America of the duplicate charge and they opened a claim # XXXX. On XX/XX/XXXX Bank of America issued a temporary credit to my account for XXXX. Then to my surprise on XX/XX/XXXX, 69days after the claim has been filed Bank of America notified me the credit was being reversed because there was knowledge of the purchase by me and this was not fraud, this was a billing dispute.This resolution exceeded the 2 billing period grace period Bank of America had to resolve. This was a bank error, I had reported the billing dispute not fraud charge on XX/XX/XXXX. I called on XX/XX/XXXX 4 days after the notice and notified the bank of their error. The claim was reopened but now the Claim Number was changed to XXXX and the claim date was changed to XX/XX/XXXX which was still claim XXXX CLAIM # : On XX/XX/XXXX Bank of America made another error and opened up an additional claim XXXX. From XX/XX/XXXX thru XX/XX/XXXX, I continued to call and was told a new story it seemed with each call. I was asked to provide statements from other banking institutions as proof of purchase elsewhere, etc and did so. In XXXX of XXXX I was on another call with Bank of America trying to resolve this and finally the supervisor realized the errors and agreed to credit my account within a few days and as I was told, another credit was issued on my account for XXXX for this charge. In XXXX of XXXX I noticed the charge was on my account once again and I disputed again and was told it would be expedited. XX/XX/XXXX I received notice from B of A the time allowed for claims had been missed. If I was outside of the window to dispute it was only because Bank of America could not process this correctly, and numerous times assigned claim # ' ; s were mixed up by the bank. When this claim was first filed # XXXX on XX/XX/XXXX I was within the time frame to report a billing dispute. Bank of America 's error has now cost me the refinance of my home, 40+ hours on the phone and providing documents, a 70 point credit score drop and I plan to pursue this legally if the bank or merchant refuse to refund me.

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 2021-07-05 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: MO

Complaint narrative:
On XX/XX/2021 sent initial dispute requesting for the bureaus to verify some accounts and shows that the investigation never took place. I know that the investigation never took place for XXXX XXXX and XXXX XXXX because it does not show in the comments that this account was ever under investigation nor does the status update shows that it was ever investigated. Then on XX/XX/XXXX sent another set of disputes requesting information on these accounts which are attached below and never shows updated for the status or in comments. The Bureaus are definitely in direct violation and at this point due to passing he timeframe allowed for the investigations, I'm requesting for deletion. Attached is proof that these accounts were disputed but never investigate. If the bureaus choose to now try an investigate these accounts I would like documentation and method of investigation and contact information. 
Also attach is my DRIVER 'S LICENSE AND PROOF OF RESIDENCE, with this information and complaint I am giving full authorization to investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 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: MI

Complaint narrative:
On XXXX XXXX, XXXX I sent a letter regarding inaccurate and unknown things on my credit report. This day over forty-nine days later I have not received any response. I am being taking advantage of and being ignored of my disputes. Section 611 ( a ), it is stated that a failure to investigate these items within thirty days gives a reason to immediately remove those items from my credit report, it has been over forty-nine days and they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the anxiety this has caused me. My information was also impacted by the Equifax data breach which could have caused great harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 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 2 dispute letters to XXXX, TransunionXXXX XXXX, one in XX/XX/2021 and XX/XX/2021 regarding inaccurate, incomplete, and RE-AGED ( which is illegal ) account on my report. I have yet to receive any investigation information from anyone.

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 2021-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent 2 dispute letters to XXXX XXXX, Experian, one in XX/XX/2021 and XX/XX/2021 regarding inaccurate, incomplete, and RE-AGED ( which is illegal ) account on my report. I have yet to receive any investigation information from anyone.

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 2021-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion advertises that they charge {$1.00} for a credit report and there is a large receipt that they provide boldly stating {$1.00}. In small print below which is difficult to see, they state that they will also now start charging $ XXXX/month for credit monitoring. They are engaging in underhanded behavior here and taking advantage of consumers. When I called Transunion to cancel during normal business hours, they put me on hold and then hung up on me. I had to cancel the unwanted recurring fee through my credit card company. Thank you for addressing this issue.

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 2021-07-05 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:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 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: NJ

Complaint narrative:
XXXX - XXXX Date Opened : XXXX Balance Owed : {$380.00} Dispute Status :. I am uncertain when it comes to the Balance of {$380.00}, because I dont recall owing such a high amount. Since the account is closed and charged off, the past due amount shouldnt be reported

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