vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have 2 American Express Business credit cards which was under financial review for 20 days. Amex requested XXXX to get transcripts from IRS and verify income. After waiting over 20 days and providing all requested information, Amex informed me that they have decided to close the account because of the income listed on business credit card application is not accurate based on the transcripts they received. My business is a XXXX XXXX and income net income from the business is transferred from business to my personal via XXXX XXXX. They only looked my personal taxes without even looking the corporation side depreciation deductions and other staff and made their decision based on that. I insist that the numbers they are trying to consider as my income is not accurate and does not reflect my real income. They need to evaluate both business and personal taxes to get an accurate income information. They closed my account without valid reason and forced me to disclose my personal and business taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am disturbed that you continue to list the dismissed bankruptcy as confirmed. 

Although it is your policy to keep reporting bankruptcies which are filed or adjusted for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to Bankruptcy about dismissals or filings.

The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

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 2021-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am disturbed that you continue to list the dismissed bankruptcy as confirmed. 

Although it is your policy to keep reporting bankruptcies which are filed or adjusted for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to Bankruptcy about dismissals or filings.

The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, AMERICREDIT, XXXX XXXX and XXXX XXXX XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
My stimulus checks have come into my account and BOA are holding them because they decided to close the account. They can not legally hold my second stimulus check but they are. And not releasing funds to me. Even though they said they would. I just had XXXX  and explained to them I need this to pay bills I have tried to call numerous times and they are not helping at all. They are still keeping my check. And wont help me! I have proof, an email they sent saying these funds are released time but they arent.

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 2021-01-06 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:
XXXX XXXX XXXX  states that I opened a credit card and billing account with them. 
Apparently the application was sent online on XX/XX/2016 from IP address XXXX. 
The email address they mention is not mine. The phone number they mention is not mine. They sent me a letter asking me to call their fraud dept. at XXXX. I have called them 3 times in the last 2 weeks, I get a phone message, saying that they will call back in 48 hrs. Nobody has done so. When I call their consumer line number, they say That they can not help. 
The amount of money involved is {$620.00}. 
XXXX  XXXX XXXX  has since then transferred the dispute to XXXX XXXX in Nevada. 
Who have reported this to the credit agencies without verifying the authenticity of the account. As a result my credit scores I have no connection to these accounts which are all based on identity theft. 
The credit companies are putting minimal effort to verify the authenticity of the claims.

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 2021-01-06 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: Exeter Finance, LLC.
State: OH

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, XXXX, EXTER FINANCE and XXXX XXXX XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, XXXX, XXXX XXXX and CAPITAL ONE AUTO FINANCE add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: SC

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: SC

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Halsted Financial Services, LLC.
State: VA

Complaint narrative:
Problem description : When I logged on to Halsted Financial 's website today ( XX/XX/XXXX ) to follow up on an alleged {$140.00} medical debt from XX/XX/XXXX that I disputed, I was greeted with a screen that had holiday like photos and the slogan " Tis the season for savings '' - and on another screen I was told my account has been approved for 55 % off! And if I made a One time payment of {$64.00} I would receive a savings of {$78.00}. While I disputed the debt and the company had failed to provide the verification the debt was real, my time is more valuable than fighting them -- and I'm in the middle of a refinance of my home so I did not want to risk a dispute over a small amount that could jeapardize tens of thousands of dollars of savings over the life of my home loan. I elected to make the full " one time payment '' of {$64.00} to get their offered savings. But instead of receiving the promised " savings '' of {$78.00}, the company ( in response to an email requesting receipt showing XXXX balance ) emailed me a new bill saying i had indeed authorized a {$64.00} payment - but also listing that the " amount remaining '' on what they now called a " compromise offer '' was {$64.00}. They baited me with " savings '' to get a little money ( i problably should not have paid to begin with as they failed to verify the debt ) and then bait and switched me -- and demanded more money. This is false and deceptive advertising to promise {$78.00} in savings and then to not honor that. I documented the promised " savings '' in photos before i paid because I did not trust them ( and can provide ). I have the written bill they sent in an email, in response to my request for a XXXX  balance / debt release to substantiate everything I'm writing here. I'm sorry to say they have proven truly deceptive and i'm very worried they'll do something to harm my credit wrongfully. I also informed them prior in writing neither their firm Halsted Financial nor their client XXXX XXXX XXXX ( that they said in writing they were acting on behalf of ) had provided properly and as requested : 1 ) A detailed breakdown of what the charges are actually for 2 ) The original creditor account number ( only offering four numbers ). 3 ) The address of the original creditor. Having offered 55 % " savings '' and not honored the savings- I feel it is fraud. They also failed to provide notices to me the fair debt collection practices act appears to require, and have failed to so far provide the address of the original creditor or a statement from that original creditor describing what the bill is actually for. I therefore assume the debt is not valid at all and they are just doing all they can to use the threat of a collection agency to wrangle as much money as they can from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: NJ

Complaint narrative:
I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY 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 2021-01-06 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: NJ

Complaint narrative:
I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
On my report there is a closed account with huge amount of missed payments. CAPITAL ONE BANK USA Its not mine account. 
Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CAPITAL ONE BANK USA has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Have sent multiple letters to all 3 credit bureaus to correct errors on credit report. Capital One Auto Finance charged off/collection account not only has a past due balance but it also shows a balance owed which is HIGHER than the high balance, an incorrect date of last activity, and it still reporting monthly charge off as payment history. This account has multiple violations according to FCRA so I disputed this information with Capital One and bureaus requesting for immediately removal from all reports. The bureaus instead opted keep the information the same without providing method of verification. This willful act is a clear violation of federal law on all parties side and needs to be resolved immediately as it is negatively affected my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: CITIBANK, N.A.
State: OR

Complaint narrative:
On my report there is a closed account with huge amount of missed payments. SEARS/CBNA Its not mine account. 
Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA SEARS/CBNA has violated my rights as a consumer and I requesting legal action to remove this account 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 2021-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
I have been paying our mortgage every month and our funds have been stored in the escrow account. Amerihome should have been paid our home insurance company on XX/XX/XXXX. As of XX/XX/XXXX, our insurance company has not received payment and we do not have insurance coverage on our house. I have contacted the company repeatedly to no avail. This is serious negligence and I hereby make Amerihome mortgage liable for any damages moving forward for not paying our insurance from the escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
on XX/XX/XXXX Citi Bank CBNA has left unautorized hard inquiry on my credit file at XXXX CITI CARDS CBNA Bank Credit Cards Inquiry date : XX/XX/XXXX so i didn't autorize to pull my XXXX Credit Bureau

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 2021-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: NY

Complaint narrative:
I want to report malicious business practices committed by EOS CCA. They allegedly acquired a debt in my name from XXXX which is currently being reported on my XXXX  credit report. In speaking with XXXX, I have once again confirmed that this alleged debt should be considered invalid and collection efforts stopped. With that said, EOS CCA continues to pursue collection, without viable cause in defiance of cease and desist demands. This includes continuous reports of monthly late payments on an account that should not exist. These false claims have inflicted hardship to myself and family in the area of financial advancement and have created unnecessary stress. I am firmly confident that multiple violations of the Fair Credit Reporting Act are in place. This debt is completely false which will be proven in due time. My hope is that EOS CCA will swiftly rectify this situation, stop all efforts, and remove all negative reporting in order to avoid future escalation. Today 's consumers face many difficulties. We shouldn't have to worry about predatory and unwarranted collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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:
Have sent multiple letters to all 3 credit bureaus to correct errors on credit report. XXXX XXXX XXXX XXXX charged off/collection account not only has a past due balance but it also shows a balance owed which is HIGHER than the high balance, an incorrect date of last activity, and it still reporting monthly charge off as payment history. This account has multiple violations according to FCRA so I disputed this information with XXXX XXXX and bureaus requesting for immediately removal from all reports. The bureaus instead opted keep the information the same without providing method of verification. This willful act is a clear violation of federal law on all parties side and needs to be resolved immediately as it is negatively affected my credit.

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 2021-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Have sent multiple letters to all 3 credit bureaus to correct errors on credit report. XXXX XXXX XXXX XXXX charged off/collection account not only has a past due balance but it also shows a balance owed which is HIGHER than the high balance, an incorrect date of last activity, and it still reporting monthly charge off as payment history. This account has multiple violations according to FCRA so I disputed this information with XXXX XXXX and bureaus requesting for immediately removal from all reports. The bureaus instead opted keep the information the same without providing method of verification. This willful act is a clear violation of federal law on all parties side and needs to be resolved immediately as it is negatively affected my credit.

Company response to consumer: Closed with explanation