vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-25 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: NY

Complaint narrative:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX Date opened XX/XX/2019 Balance {$21000.00}, and XXXX XXXX Date opened XX/XX/2019 Balance {$34000.00}. 

If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

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 2022-08-25 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: IL

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-08-25 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: GA

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 
Transunion is governed by 15 USC 1681. Pursuant to 18 USC ( 8 ). I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681B ( 2 ). This company has also no permission to report anything using my info pursuant to 15 USC 1681 ( 4 ) Remove these accounts : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-08-25 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-08-25 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: CA

Complaint narrative:
We received a payment for the purchase of insurance via American Express card, provided the services purchased, and nearly five months later the cardholder disputed the charge and AMEX deducted the full charge amount from our bank account, despite our providing clear evidence that the charge was valid and the services provided tot he cardholder. AMEX refuses to return the {$18000.00} that they took from us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
Removed {$87000.00} from my Roth IRA at XXXX XXXX without my knowledge, consent or authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: MI

Complaint narrative:
I, XXXX XXXX, the consumer, rights have been violated per Fair Credit Reporting Act by TransUnion, the accounts were claimed to be investigated, verified or accurate but yet showed inaccuracies. According to the Fair Credit Reporting Act 607 ( b ) this accounts were not accurate. To be in compliance with the Fair Credit Reporting Act 611 ( a ) ( 4 ) and 611 ( a ) ( 5 ), TransUnion has been provided with relevant information ( photographic evidence ) on XX/XX/2022, that these accounts are inaccurate and shall be promptly deleted. This is a clear violation of the Fair Credit Reporting Act. 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 2022-08-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
In XXXX, XXXX, I brought a XXXX XXXX Savings Bond to Bank of America to cash. After determining its value, Bank of America deposited the proceeds into an account they opened for me. In XXXX, XXXX, I received correspondence form Bank of America that was somewhat incoherent, but noticed that a hold had been put on my account there, and the original deposit had been reversed. After calling Bank of America to try to find out what was going on, I was unable to get any meaningful information explaining the situation, ad was advised by the telephone representative that I had to go into the local branch and speak with the representative there. I did do this and was informed by the representative that the US Treasury said the Savings Bond was counterfeit, or fraudulent.

Since I have had this bond in my possession since its original acquisition in XXXX and have cashed other XXXX XXXX XXXX in the past without problem, I found this to be extremely troubling. To try to corroborate what I was being told by Bank of America ; I went to the US Treasury website treasurydirect.gov where there is a calculator that determines bond value after inputting the identifying specifics. My assumption was that if there was a problem with this bond, it would be flagged as problematic in some way when it attempted to provide the value. There is no indication of any problem with the bond, and the values given both with respect to principal and interest earned were identical to what Bank of America originally had computed. 
At this point my account that Bank of America froze had around {$1000.00} remaining in it, and well as they apparently put my account in a deficiency because of their reversal of the original deposit. I was advised that the problem was with the U.S. Treasury and that I would have to resolve it with them. There does not seem to be a way accessible to retail customers such as myself to do this. The online waiting time after a trying to call several times is around two hours, and I still would have no specific pathway to resolution. Moreover, I am not particularly confident that what I was told by Bank of America is accurate since the Treasury website does not indicate a problem with the bond, and I feel like I am being given the run-around.

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 2022-08-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Ally bank refuses to transfer my money from the Ally savings account to my checking account. Even though, the checking account has been properly linked, their website does not allow me to initiate the transfer. Ally Bank refuses to service their customers with outrages wait times that nobody can afford. 
Ally Bank advertised to be easy to use, and available 24/7. This is false statement. They take money and then abuse their customer with hourlong wait times.

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 2022-08-25 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:
The inquiries listed in my report were inaccurate.I requested that they investigate these and analyze my files by sending letters to all XXXX credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XXXX XXXX XXXX XXXX XX/XX/2022, XXXX XXXX Inquired on XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022, XXXX XXXX Inquired on XX/XX/2022, XXXX XXXX XXXX Inquired on XX/XX/2022, XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022, XXXX XXXX XXXX  Inquired on XX/XX/2022, XXXX Inquired on XX/XX/2022, XXXX Inquired on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: MO

Complaint narrative:
I ordered a copy of my report in XXXX on XX/XX/22 and I found out that 3 credit reporting agenciesstill indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have notresponded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must completetheir investigation within 30 days. Please check payment history, date open, last activity and Status ofthe following accounts which i believe were reporting in error. 
XXXX XXXX Balance : {$7400.00}

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 2022-08-25 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: MO

Complaint narrative:
I ordered a copy of my report in XXXX  on XX/XX/22 and I found out that 3 credit reporting agenciesstill indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have notresponded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must completetheir investigation within 30 days. Please check payment history, date open, last activity and Status ofthe following accounts which i believe were reporting in error. 
XXXX XXXX Balance : {$7400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
On XX/XX/2022, I received a collection notice from Credit collection services XXXX XXXX XXXX, XXXX, MA XXXX. I do not know how this company is and I have no contract with them. I do not know how they got my location information, name, or SSN. This is a violation of FDCPA and Truth and lending. There is no verification of debt attached to this statement which cam through the mail. I believe this company has attacked my credit report and I do not authorize any false statements upon my credit report. It is damaging to me and public trust. 
I request the itemization date pursuant to 12 CFR 1006.34 ( c ) ( 2 ) ( vi ). I request the debt amount as of itemization date. I request the itemization of the current so called debt amount, and the current debt amount. If this request is not fulfilled within the allotted time, then this is fraudulent and I demand to be compensated.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: MO

Complaint narrative:
I have reached the peak of my patience because of the credit Bureaus inability to verify the information being reported on my Credit report. I started disputing the accounts from my Credit report which I believe to be reporting erroneous information on XX/XX/2022 and the the most recent letter I sent was dated XX/XX/2022 with complete attachments of my personal identifying documents. I have been requesting the Credit Bureaus to correct the information they present on my Credit File and yet they have done nothing! The Credit Bureaus are required to verify for themselves. They have continued reporting the disputed account claiming to be reporting accurate and verified information. I do not agree with their findings and demanded documents as proofs of verification which they have failed to provide. The following accounts which I believe to be reporting erroneous information must be deleted under the provisions of the Fair Credit Reporting Act : XXXX. XXXX XXXX  XXXX XXXX Balance Owed : {$1200.00} XXXX. XXXX  XXXX XXXX Balance Owed : {$490.00} XXXX. XXXX XXXX XXXX XXXX Owed : {$10000.00}

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 explanation
Consumer complaint received 2022-08-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have a hard inquiry for capital one bank and I didn't no apply for that

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-25 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: PA

Complaint narrative:
I think my information may have been impacted by a data breach and got into the hands of the wrong person. I did not authorized any of these. I have filed identity theft reports and will enclose them in this 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 non-monetary relief
Consumer complaint received 2022-08-25 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: MI

Complaint narrative:
I, XXXX XXXX, the consumer, rights have been violated per Fair Credit Reporting Act by Equifax, the accounts were claimed to be investigated, verified or accurate but yet showed inaccuracies. According to the Fair Credit Reporting Act 607 ( b ) these accounts were not accurate. To be in compliance with the Fair Credit Reporting Act 611 ( a ) ( 4 ) and 611 ( a ) ( 5 ), Equifax has been provided with relevant information ( photographic evidence ) on XX/XX/2022, that these accounts are inaccurate and shows no creditor name and shall be promptly deleted. This is a clear violation of the Fair Credit Reporting Act. # XXXX, # XXXX, # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: FL

Complaint narrative:
I received multiple calls from EdFinancial and they never left any message or sent me any written correspondence regarding the reason for the phone calls. They called me on XX/XX/22, XX/XX/22, XX/XX/22, and XX/XX/22. 

I did speak to a representative on XX/XX/22 and they informed me they received my IDR application ( I recertified my income as I've been on IDR plans for awhile now ) and suggested I ask them to cancel my application to keep my payment lower. I was hesitant, but was assured that my recertification wasn't due until next year because of the president 's student loan pause. I received written correspondence that we discussed canceling my IDR application. I have no way of seeing what repayment plans I'm on or recertification due dates in EdFinancial 's portal. I'm completely in the dark it's totally unacceptable. 

I now show a payment due, but never received a statement. I have included a screen shot of the balance claimed that I owe, the fact that there are zero statements available, and all document received in my inbox to date. I shouldn't have a payment due. The president extended relief. Furthermore, how would I have known since I wasn't provided with the minimum appropriate documentation? I just happened to login. 

I believe I'm deliberately being provided with false and misleading information by EdFinancial.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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:
The inquiries listed in my report were inaccurate.I requested that they investigate these and analyze my files by sending letters to all 3 credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XXXX XXXX Inquired on XX/XX/2022, XXXX XXXX Inquired on XX/XX/2022, XXXX XXXX XXXX XXXX Inquired on XX/XX/2022, XXXX XXXX Inquired on XX/XX/2022, XXXX XXXX XXXX Inquired on XX/XX/2022, XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022, XXXX XXXX XXXX  Inquired on XX/XX/2022, XXXX Inquired on XX/XX/2022, XXXX Inquired on XX/XX/2022.

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 2022-08-25 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: AL

Complaint narrative:
to whom it may concern i am a victim of identity theft the items of my concern are XXXX acct # XXXX amount XXXXXXXX XXXX  the account was opened on XX/XX/XXXX and XXXX XXXX account # XXXX the account was opened on XX/XX/XXXX amount of the card XXXXXXXX XXXX  these two accounts were unauthorized and i would like the removed immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-25 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: PA

Complaint narrative:
I recently reviewed my credit file and noticed some inaccuracies. I as the credit bureaus to verify and Experian removed the accounts. I sent the results to the XXXX and XXXX but the continue to say the information is correct. My question was if Experian found the items to be incorrect how are the verifying the data. All report must be a the same on all three reports. Experian then, reinserted the accounts without proper notification as required. Under fcra sec 1681i sec 611. the following accounts are listed below. 

XXXX XXXX  # XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX XXXX dealer # XXXX XXXX XXXX XXXX  # XXXX XXXX  # XXXX In accordance with to the FCRA these creditors have violated my rights under the following credit reporting laws 15 U.S.C 1681 sec 609 PART 5 15 U.S.C 1681 sec 604 A sec 2 15 U.S.C 1681 sec 602 A

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