vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-20 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: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXXXXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) I therefore legally request the DELETION of INACCURATE items from the PERSONAL INFORMATION section of my credit report with your agency. I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX AL XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : ( XXXX ) as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.

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 2021-01-20 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: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) I therefore legally request the DELETION of INACCURATE items from the PERSONAL INFORMATION section of my credit report with your agency. I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX AL XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : XXXX XXXX ) as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I just received an email from Jefferson Capital Systems , LLC. mentioning that they have important information about my account. However, when I viewed my credit report, I do not have any collections on either my XXXX  and XXXX  reports. I called the number provided and they immediately asked me for my " reference number '' but I was not given one, and they also asked for my Social Security Number. I just hung up the phone and did not want to deal with that. The email they sent me was from XXXX, and their own website states that they use that email for outgoing emails. 

I am not aware of any debt outstanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I sent certified letters to Transunion, XXXX and XXXX on XX/XX/2020 requesting that hard inquiries, addresses and name corrections be removed from my credit report as they were erroneous. 

XXXX  did not process my request until XX/XX/2020, XXXX failed to process until XX/XX/2020, and Transunion XX/XX/2020. 

The inaccurate and erroneous information is negatively effecting my credit report and my ability to secure a loan to refinance my home. I have included documentation to support the steps taken on my behalf.

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 2021-01-20 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I sent certified letters to XXXX, Equifax and XXXX on XX/XX/2020 requesting that hard inquiries, addresses and name corrections be removed from my credit report as they were erroneous. 

Equifax did not process my request until XX/XX/2020, XXXX  failed to process until XX/XX/2020, and XXXX XX/XX/2020. 

The inaccurate and erroneous information is negatively effecting my credit report and my ability to secure a loan to refinance my home. I have included documentation to support the steps taken on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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:
I recently pulled up a copy of my credit report to check accuracy, and seen inquiries on there that I did not acknowledge. I am unsure how they were able to pull my credit without my consent.

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 2021-01-20 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 recently pulled up a copy of my credit report to check accuracy, and seen inquiries on there that I did not acknowledge. I am unsure how they were able to pull my credit without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
Please forward the information to GM Financial/ XXXX XXXX XXXX XXXX XXXX XXXX Thanks!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-20 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: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
On XX/XX/XXXX I rented a sod cutter from XXXX XXXX in XXXX, CT for my son 's XXXX XXXX  project. The sod cutter did not work properly, we called XXXX for assistance but they couldn't provide any. We returned the sod cutter and XXXX charged us the entire rental fee despite the fact the machine didn't work. We spoke to several managers but couldn't resolve the matter. I called Barclays the same afternoon XXXX to dispute the matter but they said I couldn't dispute it for 15 days and had to do the dispute online or by mail. I filed the dispute on XX/XX/XXXX and provided copies of the rental agreement and receipt. On XX/XX/XXXX I received a boiler plate letter from Barclays claiming I did not provide any documentation and they are unable to dispute the claim.

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 2021-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I deposited a check to my account on XX/XX/2020, and I didn't know that my account was closed because I never received a notification before and that day I was able to log in a make a mobile deposit which it was accepted and it said that the money was going to be available within a week or so. That same time they called the owner of the check and she authorize it. After that I tried to log in to see if the money was ready but it didn't let me log in. I called the bank to see if they could help but they told me at the beginning that they had to investigate because and that they where to close my case once it was finish with the investigation. Later a few a days after I went in person to and the lady that helped me said that they thought it was a scam. Later days after I called in and they said that the case was closed and that the money was back in the check. A week a go I went to the bank where the check is from and they told me that they couldn't cash it out because the bank where i deposited has not return the money. That same day I called my bank and the lady didn't ask any info until I asked if I could speak to a supervisor which they told me that he was going to call me back and until this day I haven't received any call backs from them. It is really fracturing because that bank is not giving any solutions and all I received by mail was the few cents that was in that account and the letter that officially my account is closed but I just received it last week.

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 2021-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am so furious with Chase bank. I recently applied for the XXXX loan, and went through their underwriting provided all supporting documentation that I am a XXXX XXXX  working as a XXXX XXXX XXXX. I got approved for the loan, and the funds were disbursed into my checking account, now Chase is freezing my account because they are stating its not a business account and I have to provide an EIN number, I am not legally obligated to have an EIN number if im working as XXXX XXXX and I do not have any employees. I am working by myself, and charge for my XXXX XXXX XXXX. I am very angry that they are not willing to listen when I am explaining that I can not have a XXXX account with chase unless I have an EIN number or corporation. If I ama working as XXXX XXXX I am qualified to receive this loan Per SBA EIDL guidelines. I met the requirements, I went through their underwriting process and they approved me for this loan based on their requirements and underwriting. Chase can not require me to have something that SBA does not require. Chase is not the one issuing me this loan amount. SBA EIDL is. I needed this loan ASAP to help me with the lockdowns we are going through and not being able to work. Very unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I am behind on my car payment due to covid-19. I understand I need to keep in contact with them ( Southeast Toyota Finance ), however they have started to call me at work. I have advised them several times that I can not receive calls at work yet they continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Equifax Equifax Credit Information Services, LLC XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX Re : Acct # XXXX To Whom It May Concern : On XX/XX/XXXX I disputed an account reported by XXXX in the file you maintain under my Social Security number. I was informed on XX/XX/XXXX that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the XXXX. Please govern yourself accordingly. XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX XXXX requested a copy of police report in order to remove from credit report, company never respond after sending necessary documenation in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
I issued a payment from my online bank account with Chime to a medical provider, XXXX, on XX/XX/2020. XXXX has advised they are unable to locate the payment and require a copy of the cashed check in order to investigate the issue. Chime has advised me the check was cashed on XX/XX/2020. 

I have contacted Chime on numerous occasions for over a month now requesting this check copy and I continue to be bounced around. Today my husband briefly spoke with a supervisor only for the supervisor to claim a check copy can not be obtained - in contrary to what was previously told to me over the last few weeks - and then the line was disconnected ( and Chime made no attempt to call me back ). 

I now need the assistance of CFPB to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: RI

Complaint narrative:
XXXX, XXXX, Crown Asset Management and their debt collector XXXX XXXX are using threats of a lawsuit to attempt to collect a debt that is not owed. They are doing this in violation of the FDCPA. They know that they can not prove that I owe the debt in court, because it was the product of identity theft so they are using a threat of legal action in order to try to fraudulently collect on a debt that I do not owe. They should be fined under the FDCPA and now that President Biden has been sworn in, I would expect that the CFPB will start actually doing its job again which means bringing lawsuits against these rogue debt collectors that were allowed to flourish over the last four years. 

The XXXX credit card that they are trying to collect on was paid in full about four or five years ago. I actually took out a HELOC and consolidated credit card debt. The account ( along with a few others ) was reactivated and used by an identity thief. XXXX, XXXX, Crown Asset Management and XXXX XXXX have all been supplied with the police reports and the FTC reports. YET they continue to try to fraudulently collect on this debt in violation of the FDCPA. I understand that the former chair of XXXX was a close friend of the former President, XXXX XXXX, and that may be why CFPB never did anything about this before -- but now, we have a new President who is upholding the laws, so I would like the FDCPA enforced in this matter and in ALL accounts that XXXX if fraudulently trying to collect on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: GA

Complaint narrative:
I am a victim of identity theft. The thief [ made a fraudulent transaction/opened a fraudulent account ] in my name with your company. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me copies of business records relating to the fraudulent [ transaction/account ] identified above. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request.

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 2021-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TransferWise Ltd

Complaint narrative:
I just cant see how much I got in my closed account on transferwise.com ( personal and business ) in the login XXXX because they just closed the account with an automatic answer saying " aftwer reviewing your account we decided to keep it desactivated ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: EQUIFAX, INC.
State: AL

Complaint narrative:
In XXXX and XXXX of 2020, I filed a dispute with this credit reporting agency about the unverified account : XXXX XXXX Account number XXXX -- XXXX XXXX Account number XXXX. In those 2 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in ove r60 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these two unverified accounts as of today. Thank you

Company response to consumer: Closed with explanation