vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A method of verification letter was mailed USPS, First Class, Certified Mail ( XXXX ) to TransUnion on XX/XX/2021 and was not responded to. TransUnion is in violation pursuant to FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). The credit bureau must give me the method of verification information within 15 days of my request. A second letter was mailed USPS, First Class, Certified Mail ( XXXX ) to TransUnion on XX/XX/2021 simply requesting they provide me the name of the company who furnished this information thats being reported on my credit report. TransUnion have violated my consumer rights for the second time, pursuant to FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). How can they continue to break federal law like this?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer 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 explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am a XXXX XXXX  and XXXX XXXX My father died in XXXX and I missed a payment for which I was led to believe an auto pay had been set. Unfortunately, no email and mailed notifications were sent to me about the payment not being processed. 

I reached out to kohls with a request to remove the late payment but to no avail. 
I even disputed this item and nothing happened. 
Ive included my XXXX XXXX which you can look up at the XXXX XXXX XXXX XXXX XXXX 
Ive also included my fathers obituary. 

I've had an excellent payment history, I've always paid on time. I think we can continue to have good relations. 

Im requesting that the late payment for XX/XX/XXXX be removed from my credit report This is my account : Capital One /Kohl . Ac # XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Account status : Open Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: WA

Complaint narrative:
I was contacted on XX/XX/2021 in private number. They stated they were a XXXX XXXX representative inquiring about me opening an account and then also letting me know that they're going to shut the account down because of a company called early warning systems who continuously provides negative inaccurate information about me. Number two I have opted out of all shared information partnerships. I was told that early warning systems has provided a negative report against me to XXXX XXXX XXXX and XXXX XXXX. 
This is unacceptable this is a violation of my rights and privacy and illegal I currently have an open XXXX XXXX account. They're going to shut it down because of information that were early warning systems continue to give. 
I have called early warning systems as early as My at 2021 and as recent as XX/XX/2021. 
I have been required to make an account just to get a credit report and I'm still waiting for the credit report from when I requested it back in XXXX. The three credit reporting agencies XXXX XXXX and XXXX none of them have any Bank on my credit file. The only two items on any of my credit reportings are for XXXX and XXXX XXXX. Early warning has gone and caused so much that I can't get a bank account anywhere I can't get a stick of bubblegum financed any bank accounts that I have set up are all shut down any Financial activity I try to do to repair or fix anything that will early warning signs is done is denied because of the size of the fraudulent risk on my account presumably because of early warning. Please urge or require them to remove all account knowledge base activity from their system they're not authorized nor did I ever give them authorization finally they're not a credit agency they are a shared consumer reporting group which I did not authorize. 

Furthermore more than once I have tried to dispute any transactions with early warning and again although they have never given me a report they require in order to dispute a transaction I report must be delivered yet they don't give me the report. Again this has been going on since XXXX of 2021 it is well past the 30 days that's allotted by the government for them to remove any disputes or negative items against my credit that they can not prove please urge them to do so. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: MI

Complaint narrative:
Last week I picked up my phone and and Credit Management was on the other line informing me of a debt owed, It was for a charge out of Texas ( I live in Michigan ). It was for a charge that was in collections from a XXXX XXXX that was opened online with my name and SS #, I called put in a dispute and opened a file number. Yesterday, I received another call from Credit Management indicating that there was another charge from XXXX XXXX for {$1800.00}. They gave me account numbers, addresses of the residence and I have reported all to the police in TX. I am leery of credit management because how did they get my number if another number was associated on this fraud account? I am dispute of all charges and have put a freeze on my accounts and notified the proper parties of identity fraud. These have not hit my credit report but this company calls me daily. I understand my name is on the dark web and I am trying to secure my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX my wife, XXXX XXXX, and I, XXXX XXXX, were scammed - and we are devastated. What happened was that I received an email, claiming to be from XXXX ( but it was from the scammer ) and suggesting that I " solve the problem '' ( which was that {$4500.00} had been charged to my XXXX account ) and contact " XXXX '' by calling one of the phone numbers listed. 
I'll attach this scam email. 
The scammer then suggested that we purchase gift cards in the amount that had been charged. And if we passed on the gift card # XXXX and amounts to the " XXXX '' person, our " problems would be solved '' and " no charge to my XXXX account would occur. '' We did all of that - including buying gift cards, using my Bank of America debit card. 
After we discovered that this was a scam we sent a letter to Bank of America, explaining what had happened. 
B of A then issued on XX/XX/XXXX a credit of {$4900.00} ( not sure how we ended up w/that amount ) to my debit car account. We assumed this was a generous B of A decision till we received a letter, also attached, from B of A, stating that this was a temporary credit, and subjetc to B of A doing extensive research.

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 2021-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 63 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XXXX XXXX, XXXX XXXX, XXXX XXXX, Chase XXXX Banking, mails Notice that a {$15.00} monthly service fee to be charged on " New '' account. 

Chase was advised on XX/XX/XXXX not to convert Business Checking account and Charge a {$15.00} Monthly Service fee on " New Account ''. Chase disregarded the customer request and charged a {$15.00} Monthly service Fee on the XX/XX/XXXX through XX/XX/XXXX statement. 

Customer call on XX/XX/XXXX to XXXX at XXXX Central Time to Chase employee XXXX XXXX requested XXXX to remove the Monthly Service Charge and to stop making any further charges to the account. XXXX removed the Charged but stated that Chase would not be able to stop the monthly charges to the Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Hi, this is XXXX XXXX, XXXX # XXXX. I sent you a letter on XX/XX/2021 and I was told that I was supposed to get an answer from you but to this date, over 30 days have passed, but I still havent heard back from you. Someone told me to go to this website to follow up attaching the copy of the very same letter I sent you. I heard that it is a violation to ignore a dispute letter so I hope you wont delay this matter any further. I need this inaccurate and misleading information cleared off. I am fully aware of what I have on my report and what I should not have and the information I listed on my report are all mistakes, My information was also affected by the Equifax data breach so please investigate this matter immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
XXXX XXXX in XXXX and the XXXX XXXX XXXX XXXX XXXXt and the Towing Companies did not inform me where my car was impounded. I thought it was stolen while it was parked in front of the home I was living at on XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Midwest Acceptance Corp.
State: MO

Complaint narrative:
Midwest acceptance is garnishing my wages For a vehicle They reposed 20 years ago the vehicle is XXXX XXXX XXXX but they claim due to interest accumulation I owe over XXXX $ I never got a chance to dispute or anything it didnt even show up in my credit report and I bought a home last year

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: National Credit Adjusters, LLC
State: FL

Complaint narrative:
On XX/XX/2021 XXXX XXXX pulled my credit file without my authorization, signed documentation nor verbal consent. This organization/creditor non consensually accessed my credit file resulting in an inquiry which is not linked to any account. This a violation of the fair credit reporting act 15 U.S. Code 1681b - XXXX XXXXl lacks any permissible purpose and I demand that this unauthorized inquiry be removed from my credit file IMMEDIATELY. 

XXXX XXXX responded to this by stating : After our review, we found that the best agency to help you with your issue is XXXX XXXX XXXX XXXX. If you would like to submit your complaint with XXXX XXXX XXXX XXXX, contact them directly at or call

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AR Resources, Inc.
State: SC

Complaint narrative:
XXXX XXXX in XXXX SC turned me into collections after I paid for the bill and associates of XXXX XXXX and XXXX XXXX damage my perfect credit score.They never applied payment to their associate accounts as they told me on front of witness and the witness was already paying the bill that all payments would be dispersed to associate accounts= that didn't happen paper work to follow.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 63 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
My chase bank account was hacked and someone tried to send money to my account and then said it was a fraudulent transaction. My account was then closed and I tried to call and explain to them that I had no idea what was being done and they told me that since the the other person reported it as fraud that it was nothing I could do. They even tried to say that I was the one to do it, I only use my bank card for bills and investments into Crypto.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
A fraudulent account appears on my credit that I do not recognize. The account is : 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 2021-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX, XXXX # XXXX. I sent you a letter on XX/XX/2021 and I was expecting to get an answer from you but to this date, over 30 days have passed, I still havent heard back from you. Someone told me to go to this website to follow up attaching the copy of the very same letter I sent you. I heard that it is a violation to ignore a dispute letter so I hope you wont delay this matter any further. I need this inaccurate and misleading information cleared off. I am fully aware of what I have on my report and what I should not have and the information I listed on my report are all mistakes, My information was also affected by the XXXX data breach so please investigate this matter 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 2021-12-09 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 — Card was charged for something you did not purchase with the card
Company: FIRST NATIONAL BANK OF OMAHA
State: NV

Complaint narrative:
There were multiple charges at XXXX, XXXX  XXXX, and XXXX that were not conducted by me when i called the credit card company about issues after they alerted me to a fraudulent charge on my account.

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 2021-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had filed a flaming of {$1900.00} because a package not delivered saying it was delivered. Its been past the 120 days almost 180 days now. Ive called every day since I filed a claim because I never got my package. Since the beginning the consumer Shouldve asked for the signature that was supposedly signed at the door. Not the merchant just sending dates and numbers of when it was delivered because when it was delivered it showed that someone signed at the door. Every time I call again they say the last agent gave Miss information but its all lies. When I called the most recent time they said they got information saying someone signed and that it was XXXX XXXX which doesnt make sense since its supposed to be a signed signature of my name.

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 2021-12-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2020 and 60 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statement. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
In 2017 I was going through some XXXX XXXX XXXX and was unable to work for a period of time. During this time I fell behind in my payments to Barclays Bank Delaware Credit Card. 

Barclays proceeded to close my account and charge off my credit. 

I have contacted Barclays several times about this matter to try and resolve the issue, make payment arrangements, etc ... and have never received a response, yet they continue to report this matter on my credit report as an unpaid closed account. 

I would like for assistance getting this item taken care of in an expeditious manner. ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as XXXX XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK
State: TX

Complaint narrative:
I received a notice of sue today. Ive been sending letters to the credit bureaus asking for validation of debt and I never received any responses until this sue. Ive asked for them to validate this debt and all invalid info they have and if they can not to remove this discover card. The debt showed removed then now they are suing and its back on

Company response to consumer: Closed with explanation