vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Hey Ive been trying for the past month to have the Credit bureaus and creditors update my personal info on all three bureaus. They still havent made the desired changes. My personal info should be : XXXX XXXX XX/XX/1994 XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX Theyre still reporting wrong addresses on my credit report. I need the address of XXXX XXXX XXXX XXXX removed immediately, that was never my address. I also need the address of XXXX XXXX XXXX removed immediately, that was never my address. I need all of these erroneous addresses removed from my credit report immediately. Ive been trying for a while now and nothing has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bonneville Billing and Collections
State: ID

Complaint narrative:
On XX/XX/XXXX I sent a letter to Bonneville Collection to help me understand what this account is and get them to verify the account. There has been no response from this company and have sent a letter on XX/XX/XXXX, XX/XX/XXXX. The balance has changed every month since I started checking my credit report on XX/XX/XXXX the balance was {$180.00}, XX/XX/XXXX {$190.00}, XX/XX/XXXX it was {$190.00} and my last report was XX/XX/XXXX of {$190.00} 1. This account shows collection show how is the balance increasing every month 2. Although it shows on my report that it was disputed there has been no reply from this company to any of my letters. How can this be

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: TX

Complaint narrative:
I have made multiple complaints against XXXX because they are just not right. It is reflected in the attached letter from XXXX ; Credit card was stolen and 3 fraudulent payments were made on my credit card totaling {$11000.00} in 7 days to continue using the card and grossly exceeding the credit limit of the card. How is this possible with todays technology? If I receive just one bad payment ; thats it, no more. Banks even have better policies and systems in place to protect their customers. In addition, XXXX didnt notify me for permission per Consumer Financial Protect Bureau Section 1026.56 for over-the-limit transactions. If they had notified, I would have said WHOA!!!!! I requested the method of the fraudulent payments to prove the fraud but XXXX simply states in the attached letter we will not be providing the requested information. I was informed this information was confidential information of the thief.?????? My card, my liability and XXXX protects someone who has nothing to do with the card and stealing.????????? The XXXX debt on the credit report belongs to another and is not mine. I did not receive any benefits nor make fraudulent payments or purchases from XX/XX/2017 forward.

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 2021-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have made multiple complaints against XXXX because they are just not right. It is reflected in the attached letter from XXXX ; Credit card was stolen and 3 fraudulent payments were made on my credit card totaling {$11000.00} in 7 days to continue using the card and grossly exceeding the credit limit of the card. How is this possible with todays technology? If I receive just one bad payment ; thats it, no more. Banks even have better policies and systems in place to protect their customers. In addition, XXXX didnt notify me for permission per Consumer Financial Protect Bureau Section 1026.56 for over-the-limit transactions. If they had notified, I would have said WHOA!!!!! I requested the method of the fraudulent payments to prove the fraud but XXXX simply states in the attached letter we will not be providing the requested information. I was informed this information was confidential information of the thief.?????? My card, my liability and XXXX protects someone who has nothing to do with the card and stealing.????????? The XXXX debt on the credit report belongs to another and is not mine. I did not receive any benefits nor make fraudulent payments or purchases from XX/XX/2017 forward.

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 2021-01-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Goal Structured Solutions, LLC
State: MD

Complaint narrative:
Over the past several years I have received phone calls about owing on a debt. In XXXX I received multiple phone calls from XXXX stating they were " XXXX XXXX XXXX XXXX '' and that I owed a debt to XXXX XXXX XXXX XXXX, MD XXXX. I was told that I owed over {$1000.00}, and that I needed to pay or I would be taken to court. This debt is from when I attended school in XXXX. The amount actually owed was {$590.00}, and the creditor was through Turnstile Capital Management , LLC. I made " XXXX XXXX XXXX '' aware that I had received a noticed from XXXX XXXX XXXX whom sent me a letter in XX/XX/XXXX ) and was paying the debt off through them. They told me that " XXXX XXXX XXXX '' owned the account and I was required to pay them off. I told them to stop contacting me. Now XXXX, I have been received phone calls from an unknown number and a voicemail stating the same thing as previous years. It is a recording stating " I received an order in my office today to complete an order of process for several pending maters you're currently being investigated for. I will be verifying you current address and place of employment today. In the meantime it is your responsibility and legal right to contact your plaintiff prior to being served. Their number is XXXX, make reference to case number ******. Failure to comply will result in forfeiture of your right to dispute this matter and the civil complaint will be filled against your in your local county. Consider this your official notification. I have received this voicemail everyday since the start of XXXX. They are also contacting my sister and leaving her the same voicemail. I have not made any contact with this company in XXXX. This debt was paid off to XXXX XXXX  on 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 2021-01-15 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: IN

Complaint narrative:
This Dispute started in the spring of XX/XX/XXXX with XXXX XXXX. After over 15 years of service from this company I dealt with misleading information, fraud, lying, breaking of contract agreements on their part, and horrible service. I decided I had enough after trying to resolve all the issues and disconnected their service. They have tried to collect a disconnect fee of {$230.00} ever since XX/XX/XXXX. First by sending it to the collection Agency XXXX in the spring of XX/XX/XXXX. This resulted in my Credit Score being lowered by all three Credit Bureaus. I then filed a dispute with all three and XXXX. All three credit bureaus removed the report and XXXX dropped the collection. 

Now here we are a year later and XXXX simply moved the collection fee to a new collection agency XXXX XXXX. Again my credit score was lowered and now I am disputing this unreasonable charge with them and XXXX XXXX. At this time XX/XX/XXXX and XX/XX/XXXX have again agreed to remove the report, but for whatever reason Transunion is still being difficult even though they had no problem removing it last year. I have appealed their first decision and filed a second dispute with Transunion. I have also told XXXX XXXX I will not pay the fee and informed them of the history of this collection. 

Below is an outline of some of the issues. I will attach and upload some supporting documents, but many were destroyed last year after I thought the issue was resolved. 

The original Creditor ( XXXX ) charged the fee as a disconnect charge I did not agree to pay. 

XXXX service was disconnected as a result of their horrible service, fraud, misrepresentation of their contract, lying, and a total dissatisfaction with their organization. 

This same collection popped up last year and XXXX, Transunion, and XXXX removed it from their files and the collection agency XXXX dropped it as well. Regarding the current collection issue with XXXX XXXX, Transunion is dragging their feet and XXXX XXXX will not drop the collection apparently. 

I had several other documents supporting this dispute but they were destroyed over a year ago when all credit reporting agencies and collection companies had taken this issue off their records. 

I hope your organization can assist in ending this matter permanently as it had been a nightmare and t do not want to continue filing disputes and appeals.

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 2021-01-15 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: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2020, XX/XX/2020, XX/XX/2020.

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 2021-01-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CURO Intermediate Holdings
State: DE

Complaint narrative:
I have had two previous loans with Speedy cash with have been paid in full, Ad Adstra is stating that I still have a balance with them. There is an account with Ad Adstra showing on my credit report in the amount of {$1400.00}. I do not have a contract with Ad adstra/Speedy Cash. am not liable for this collection or responsible for this debt. I have requested proof of this debt from The credit bureau and Ad Adstra.I was never sent any proof validating this debt even though I have requested it, I have been trying to resolve this matter since XXXX. I hope you can assist me to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
One XX/XX/XXXX I did a consumer credit transaction with American Express. In XX/XX/XXXX I received a bill requesting that a payment be made. This transaction was also placed on my consumer credit reports which is a violation of federal law under the FDCPA. After receiving a significant amount of bills from American Express, I sent them two documents. The first being a debt validation letter and a cease and desist. Even after American Express receiving these documents, I still received several emails in regards to this so called delinquent debt. These documents were sent via the USPS on XXXX and was picked up by someone from the company on XXXX XXXX at XXXX from the post office. These documents requested that American Express respond back and as of today they failed to do so, but have instead contacted me in regards to making a payment. Today I am contacting the CFPB to get this matter resolved as quickly as possible, as the information on my credit report is illegal and is damaging my reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-15 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: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2020, XX/XX/2020, XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I paid off my credit account but they refuse to mail a final statement showing the account is at a XXXX  balance. They state they do not mail a statement unless there is a balance on the account but how can I verify that my account has been paid in full if they do not send a statement. When I opened the account I was told a statement would be mailed every month that there is ACTIVITY on the 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 explanation
Consumer complaint received 2021-01-15 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: Thaxton Investment Corporation
State: SC

Complaint narrative:
Southern Management Corp intentionally put on my credit report that I made a payment of XXXX on an old account just to make my score go down. It was a flat out lie, they did it because I disputed this account, in which, that is my right. This action made my score go down by 56 points. I then disputed the payment with Equifax credit bureau again, and Southern Management Corp sent in false late payments to make my score drop again. This fraudulent act cause my score to drop almost 100 points all together. I am attaching proof with this complaint, also can you please tell me if I have the right to file a lawsuit against them? Their fraudulent act caused me pain and suffering and my credit reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: Paypal Holdings, Inc
State: PA

Complaint narrative:
My Visa statement shows a {$200.00} payment to PAYPAL *XXXX XXXX for {$200.00} on XXXX XXXX, 2020. 
This donation was for an organization I have supported, but the amount is usually for {$100.00}. 
I question the legitimacy of this charge for 3 reasons. 1. The amount is not the usual amount of my donation. 2. I have not received the usual acknowledgement of my donation. 3. On the XXXX ( the organization I intended to donate to ) web page, there was an area with a " donate '' icon and 4 credit card icons. When I clicked on the donate icon I was transferred to the PAYPAL XXXX XXXX site. I foolishly entered my information and made the donation. 
I have been in contact with PAYPAL and the XXXX XXXX and they give me no assurance that the donation went to the charity. 
I've since " XXXX  '' XXXX XXXX and see that it has a reputation for fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am an existing BoA customer ( through XXXX XXXX. I attempted to open a checking account with BoA through their website XXXX XXXX XXXX, and was directed to go in-branch ( not a good idea in the pandemic ). Called to open the account ( also on XXXX ), and go through security questions/verification, recorded disclosures ( no mention re CRA access ) and provide a bunch of info XXXX they already have all of this info XXXX XXXX XXXX. 

All is going along until about XXXX minutes into the call, the rep says the account can't be opened over the phone and that I should go in branch. She clarifies my CRA freezes are the issue, and that lifting them will take 30 minutes to reach her so alternatively I could try calling back. I lift the freezes and connect with a supervisor, who goes through the whole process all over again, only to say that I again need to go in branch or remove ( not the freeze ) but my security alert. The security alert is can't be removed online ( as far as I can tell ) and requires mailing in some form. 

1 ) why is BoA using CRA reports for bank accounts ( no credit ) /where is this use disclosed? 
2 ) why is BoA redundantly asking for all this info that they already have ( via XXXX ), and why were the XXXX accounts open-able online but not the checking account? 
3 ) why is BoA barring folks who have security alerts from opening accounts online/over the phone ( and requiring customers to go in branch )? If this is the case, why isn't this policy disclosed/question # 1 in any of their prompts. 

BoA 's apparent policy that an applicant removed their security alert altogether ( I don't believe the CRAs permit alerts to be temporarily lifted ) or in the alternative go in branch during the pandemic are unreasonable ways of addressing their security concerns.

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 2021-01-15 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: PA

Complaint narrative:
In effort to save money and take advantage of the lowest mortgage interest rates I tried to refinance more mortgage this week. Sadly I was declined. After multiple disputes and investigations into my credit report all three credit bureaus are still broadcasting their complete bias to my social security number. The following closed accounts are still inaccurately appearing on my credit file : XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX XXXX Opened XX/XX/XXXX, XXXX Card XX/XX/XXXX, & XXXX XXXX opened XX/XX/XXXX. Since XXXX of XXXX I have requested month to month dispute requests to send me complete information to include points of contact and methods used to verify these negative reported accounts. The credit bureaus have refused to do this but instead said they were verified and closed the investigations. Some of these accounts are over 10 years old and are closed. There is no good reason they should still be showing on my report and I'm asking that all of these accounts be deleted from my credit report. Thousands of dollars on representation, higher interest rates, and declines have put an enormous amount of stress on my ability to provide for my family. On top of it all the bank credit pulls are still showing up to 100 points under the consumer facing credit reporting systems. It is time to erase the numerous inquiries and negative credit accounts. I've been held in credit jail long enough.

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 2021-01-15 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: DC

Complaint narrative:
Inquiries made by companies knowing I didnt qualify for what they were offering. Credit card, Morgage loan, ect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
For the past year I have had charges on my Capital One Visa card from XXXX. I have disputed the charge every month. At one point a customer service rep with Capital One tried to block the fraudulent charges from XXXX, but every time I am issued a new card number ( due to the fraud claim ), XXXX is able is able to pull the same {$44.00} via the Visa card agreement. Capital One said they have no way to stop this because my card number automatically changes with every fraud dispute, and there's no charge to block until another charge happens. The agreement that Visa and merchants have is robbery. How are they even allowed to continuously charge people who never entered into a contractual agreement even after filing multiple disputes. How do we stop this?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: CO

Complaint narrative:
I applied for a credit card and found out that there is a trade line on my credit report for NATIONAL CREDIT SYSTEM ( Original Creditor : XXXX XXXX XXXX. This is not my account. I have never had an apartment with XXXX XXXX. I reached out to the creditor and the collection company. I found out that not only do they have incorrect information, they also have the wrong SSN # on the signed contract. I have sent them over a copy of my correct SSN, a copy of the police report, a copy of my lease of the place I was living at the time of this crime, a copy of my ID and multiple letters advising them that this is not my account and I am a victim of ID theft.

Company response to consumer: Closed with explanation