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 — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 


This is unacceptable! REMOVE THIS ASAP!

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 card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
So there was over XXXX $ and then XXXX the second time while I was trying to secure my account with bank of America prepaid claims department. 
Claim status. XXXX and XXXX they were from back in the months of XXXX and 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 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: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, 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 XXXX XXXX, XXXX, FACTUAL DATA add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, XX/XX/XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX  add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

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 2021-01-15 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: NY

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have disputed these accounts so many times with but they always complete this account as Included in Bankruptcy which im already aware of. Everytime they update these account into " Included with Bankruptcy " my score goes down. My score has been going down solely because of this. I disputed these for inaccuracies in it but they hasn't provided me any documentation or verification supporting their decision findings. ONCE AGAIN, I AM DISPUTIMG THESE ACCOUMTS FOR MULTIPLE INACCURACIES. IF YOU CANT PROVIDE ME ANY TYPE OF VALIDATION, VERIFICATION OR EXPLAINING THE INACCURACIES ON THESE ACCOUNTS. PLEASE REMOVE THESE ACCOUNTS FROM MY FILE IMMEDIATELY. 
Attached see attached files.

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 — 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, 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 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: FL

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will file a lawsuit ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/XXXX I received a call from a 1-866 number that showed up as Bank of America. They said they were from the fraud department and detected someone accessing my account, needed me to change my USER ID and Password to the ones they provided. ( They never do that ) I hung up called Bank of America. They transferred me to Fraud and they said they did not call. 

But they wanted me to close my account as the person who called seemed to have detailed information about my banking. Since this is a few days before payday we could not. 

So they recommended I open a savings account move my money over. Which I did. 

Then they said log in to your account in the morning, and if all transactions look good transfer your funds over. As long as the funds are in the account by close of bank day there is no Over Draft or return fee 's. 

On the XXXX I had transactions come into my account, I agreed with them all so moved money over to cover them. I did the same on the XXXX. 

But on the XXXX I saw two items returned and NSF Fee 's calling into the bank they agreed that as long as the account is positive by end of bank day they never return items. 

But refused to refund the NSF fee 's saying they are valid. They are not.. 

As you can see when the XXXX XXXX and XXXX card payments went through the account did not go negative as I had transferred funds in the morning. 

Many of these companies have rules 2 returns in a 12 month window can close an account as well as flag you late on your payment. 

I followed explicitly what Bank of America asked me to do. As a consumer, the fact PLAID was compromised and my banking information leaked is not my fault.

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: EQUIFAX, INC.
State: GA

Complaint narrative:
) I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. 

This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 

REMOVE FRAUD ACCOUNTS ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I filed a dispute over three ATM withdraws after my card was stolen. I filed a police report and provided it to the bank. The found that no error had occurred and denied my claim. The reason was I still had the card in my possession, but it wasnt, on their online claim form it asks when you noticed the card was missing, I noticed the next day and put that date down, they used this as the date it was stolen and not when I discovered it was missing. I filed an appeal, and the bank said that the police report I provided didnt change the decision by the bank. These charges were for {$200.00}, {$200.00} and {$830.00}. This money was stolen from me and should have been protected.

Company response to consumer: Closed with 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: FL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

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: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
In XX/XX/XXXX, I leased a XXXX XXXX XXXX at the end of that lease I turned it in to a XXXX dealership after buying a brand new car from XXXX. I did not receive a bill or statement to notify me of charges associated with the end of lease. I did receive numerous spam calls from people identifying as GM Financial whoever asked me for my social security number and said they couldn't help. I was alerted from my Credit Card Service that I had been reported 30 days late to the credit bureau ( still have not received a bill ). On XXXX XXXX I finally spoke to someone at GM Financial and was told they had sent a bill to my address but upon further investigation it was sent to the wrong address ( not the address associated with the address on my account ). The representative said she would send it to my updated address and remove the 30 day late mark on my account. As of XX/XX/XXXX, I still had not received a bill and had been reported 60 days late. I called to talk to a representative who said that even if i hadn't received a bill i was still 60 days late. I asked to speak to a supervisor and i was put on hold for over 10 minutes, only for the representative to tell me no supervisor is available and she will have them call me when available. I never received a call. During my lease of this vehicle, I signed up for paperless and received my statements on my account. I am not sure why the statement for the final bill has not shown up my account. I have asked for a paperless statement or email and have been told they couldn't do that. I have not received any sort of notification of the charges or statement just a total bill amount, and I'm not sure how my account can be reported as 60 days late when a bill was never received due to their logistics and error. GM Financial has made no acceptable effort to rectify the situation.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Starting From XX/XX/2020, this company named XXXX/XXXX/XXXX  has been reporting to my credit with charge offs. I was a victim of identity theft around that same time. I filled the identity theft form, completed a police report, and submitted my information to all credit bureaus. The only credit bureau that continues to report this false account to my credit is Experian. I have contacted this supposed company, I can never have access to the fraud department. I have sent letters showing the names do not match. It is not my account, they have sent payment statements of up to {$1000.00} transactions, which are places I have never been. I have called and sent two dispute letters to Experian. I sent all documents that proves clearly this is not my account. But this company refuses to correct this misinformation, and the only credit bureau that is not corresponding is Experian. At this point, I am being harassed.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
) I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. 

This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 

REMOVE FRAUD ACCOUNTS ASAP!

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 — 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, 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: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
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, XXXX, XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, XX/XX/XXXX and XXXX XXXX, XXXX, JPMCB - CARD SERVICE add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

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 non-monetary relief
Consumer complaint received 2021-01-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
I graduated from XXXX  XXXX University in 2012. A few years after graduating, I was informed that the tuition balance owed ( {$1600.00} ) would be dismissed as a result of a lawsuit filed by the Department of Education. Soon after the notification, the debt was removed from all three of my credit bureau reports. XXXX  XXXX University Online then dismissed the debt and soon after emailed me my college degree ( please see link below ). 

Please review link below : XXXX XXXX XXXX? XXXX The debt was recently picked up by Sequim Asset Solutions Collections Agency who added it back on to my credit reports. I've spoken to them on several occasions explaining to them that the debt is not only a debt that was dismissed, but it is an 8 year old debt, but have gotten no results. They have recently added this old and dismissed debt to all three of my credit reports. I'm writing to file a complaint with this collection agency as well as to have that debt removed from all three of my credit reports. Sequim Asset Solutions telephone number is : XXXX. Their address is : XXXX XXXX XXXX, # XXXX XXXX, Ga XXXX. Thank you in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: TX

Complaint narrative:
The credit card company denied my application upon my response to its promotional offer and repeated its denial twice afterwards upon my applying for reconsideration. 

The credit card company sent me a letter ( photo copy attached ) listing the reason for my having been denied the credit card I applied for. 

I object to the reason in the letter attached as follows : I am only utilizing only eight percent of my available revolving credit that has been extended to me by credit cards companies including this credit card company which I pay off completely every month and maintain a XXXX balance presently with this credit card company on two of its credit cards.

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