vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
After unsuccessful attempt to open a new checking account with a bank, the banker informed me that XXXX provided negative information about me and it affected the bank 's decision. I got contact info for XXXX and I called the number and requested a copy of my report but never heard back from them. They do not employ a life person for inquiries and it is impossible to reach for resolution.

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 2019-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
XX/XX/XXXX - XXXX XXXX XXXX {$20.00} XX/XX/XXXX - XXXX {$25.00} XX/XX/XXXX - XXXX {$29.00} XX/XX/XXXX - XXXX XXXX XXXX   XXXX {$28.00} XX/XX/XXXX - XXXX XXXX XXXX   XXXX {$260.00} XX/XX/XXXX - XXXX {$180.00} XX/XX/XXXX - XXXX XXXX   {$290.00} Filed chargeback against these unauthorized charges. Personally I believe this scheme is happening due to an employee either at my residence or s nearby store/restaurant.. all of these charges are within 1 mile of where I live. Bank disputed the charges, of course telling me I have to wait 10-45 days for the investigation to complete, which hurts me because I end up getting harassed by bill collectors and/or getting insane amounts of late fees accumulated.

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 2019-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Since XX/XX/XXXX ; I have been proactively trying to get inaccurate, non-compliant accounts to be updated correctly on my credit report by submitting the appropriate requests and supporting documentation from the creditors/collectors showing the account status is to be updated to paid and the comments showing either paid in full or paid and settled for less than full amount. 

The bureaus and creditors/collections agencies just point blame and constantly send me back and forth for resolution. The creditors and collections agencies did supply me with supporting documentation since XX/XX/XXXX showing the accounts were to be updated to accurately reflect the correct status yet the bureaus continue to fail and report inaccurately and non-compliantly. I have been trying to amicably resolve this and have since been denied a mortgage due to the negligence of both parties. 

Trans Union, XXXX & XXXX continue to be negligent and I am seeking the accurate updates per the supporting documentation to be completed immediately. 

Thank you,

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 2019-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX DOB:XX/XX/XXXX SSN # XXXX TransUnion Consumer Relations XXXX XXXX  XXXX   XXXX, PA XXXX To TransUnion Dispute Department. 

I recently pulled my credit report and I discovered upon viewing that the following listings below are reporting inaccurately. I have included a screenshot highlighting in yellow each violation as proof. Please delete the following immediately. 

DELETE XXXX XXXX XXXX**** because is the Account Status section of this listing. TransUnion is reporting that it is a Open Account. However, XXXX and XXXX is reporting that this account is Closed?!? Please Delete! 
Because of this apparent neglect in ensuring everything on my report is accurate, consistent and up to date please Delete these items immediately! And send me another credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TX, XXXX DOB:XX/XX/XXXX SSN # 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 2019-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
On XX/XX/2017 I went to a XXXX car dealership and completed an application to finance a vehicle. I specifically informed them that I would only go through XXXX XXXX XXXX for financing and no one else. They ran my credit through their dealership, XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX. These all counted as " HARD INQUIRIES '' affecting my credit score. I attempted to resolve with the dealership to no avail. I then contacted all three credit reporting agencies, Trans Union, XXXX and XXXX to explain and they stated that because my credit was ran, it was a hard inquiry. They would not assist in giving me any contact information for these agencies nor were they willing to recognized that for a situation like this, the inquires should be counted as one because it was for the same event - purchase of a vehicle from the same location who was running 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 2019-09-11 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: CITIBANK, N.A.
State: NM

Complaint narrative:
I show a hard credit inquiry from XXXX XXXX that I have no record of from XX/XX/2018. I use to have an XXXX XXXX credit card but have not had it for years and years and never re-applied.

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 2019-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kimball, Tirey & St. John LLP
State: GA

Complaint narrative:
Does the Consumer Finance Protection Bureau work for consumers anymore? Or since Donald Trump, are you just a bulletin board posted in a vacant warehouse where complaints are pinned up and left there? 

A woman signed an apartment lease in my name in California ... it was FRAUD. A law firm is collecting on that fraud. I have provided 3 police reports and my id to this firm to investigate the fraud. I have demanded ( on 5 occasions ) that they provide a copy of the signed lease and the identification that the leasing company got from this crook. 

The law firm kept kicking back the identification and then the police reports asking for a police report on that specific incident of fraud ( which is not required. All I am required to file is a police report for the id theft ). When I got them ID that they would accept, they then said : " We are closing the fraud investigation because the apartment complex has identified you '' ... BUT ONCE AGAIN HAS PROVIDED NOTHING TO SHOW HOW. 

Is this how it works in Trump 's authoritarian state now? The poor innocent consumer up against the rich company and it's attorneys ... .the law firm refusing to share information and doing THEIR OWN INVESTIGATION EVEN THOUGH THEY ARE ALSO THE COLLECTION AGENCY ON THE DEBT? 

Is there NOBODY to stand for the consumer anymore?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX DOB:XX/XX/XXXX SSN # XXXX Experian / XXXX XXXX. XXXX  XXXX XXXX, TX XXXX To Experian Dispute Department I recently pulled my credit report and I discovered upon viewing that the following listings below are reporting inaccurately. I have included a screenshot highlighting in yellow each violation as proof. Please delete the following immediately. 

DELETE XXXX XXXX XXXX because is the Account Status section of this listing. XXXX is reporting that it is a Open Account. However, XXXX   and Experian is reporting that this account is Closed?!? Please Delete! 
Because of this apparent neglect in ensuring everything on my report is accurate, consistent and up to date please Delete these items immediately! And send me another credit report. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX TX, XXXX DOB:XX/XX/XXXX SSN # 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 non-monetary relief
Consumer complaint received 2019-09-11 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I have an account with Synchrony Bank. Balance has been paid in full in fact I am owed money. On XXXX  and XXXX it is reporting properly but not XXXX. I contacted them regarding this matter and I'm having a serious issue. I need them to make and update immediately as this has been paid.

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 2019-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: DE

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 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: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
PenFed is reporting to inquires on my credit file that I did not authorize. I have a fraud alert set up on my credit file and I did not receive a call to verify any information. Therefor I did not authorize theses inquires.

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 2019-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
This company damaged my credit by lying. Forced me to set up a payment plan for XXXX for a XXXX debt. They've been paid XXXX as of XX/XX/2019 with 2 payments remaining, one for XXXX and one for XXXX. I've received a letter stating that this collection would not be placed on any credit reports and again they lied. This company is deceitful and corrupt and should be investigated to the fullest. I've contacted my state 's attorney general office as well as a personal attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 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: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
Hard Credit Inquiry on XX/XX/2019 from XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX TX, XXXX Experian / XXXX XXXX. Box XXXX XXXX, TX XXXX To Experian Dispute Department I recently pulled my credit report and I discovered upon viewing that the following listings below are reporting inaccurately. I have included a screenshot highlighting in yellow each violation as proof. 

DELETE XXXX XXXX XXXX XXXX because the balance owed " '' {$830.00} and the High Balance {$830.00} is the same amount. How can the High Balance be the same amount as the Original Balance? Please Delete This Violation DELETE XXXX XXXX XXXX XXXX because the balance owed {$420.00} and the High Balance {$420.00} is the same amount. How can the High Balance be the same amount as the Original Balance? Please Delete This Violation Any inaccuracy on an account makes the entire account invalid and it must be deleted. Because of this apparent neglect in ensuring everything on my report is accurate, consistent and up to date please Delete these items immediately! And send me another credit report. 

Ive included a copy of my State Drivers License and Social Security Number.

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 2019-09-11 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I disputed an entry to my credit report from AMERICAN EXPRESS to XXXX ( XX/XX/XXXX ). They reported me DECEASED ( BOTH AMEX AND XXXX ), and sent my information to an agency called XXXX which notified me I was dead. I immediately called them and reported I was not deceased and they would report this to AMERICAN EXPRESS ( XX/XX/XXXX ). I tried to contact AMERICAN EXPRESS on numerous occasions, by telephone and via internet, and could get nowhere since they said my account was closed.. I was contacted by XXXX XXXX , XXXX . ( and was successful in negotiating a settlement with them for NO LATE FEES, and only monies owed to AMEX ). The amount paid was {$1600.00} against an AMEX LATE FEE BALANCE OF {$3200.00} Terms of the settlement with XXXX was ( 1 ) remove the DECEASED from the credit report ; ( 2 )  REINSTATEMENT of the long-standing account at AMEX ( XX/XX/XXXX year opened ), and ( 3 ) no income to me on a 1099 at year end since this was AMEX error. XXXX   concluded their report with no change, XXXX took the payment, and our credit report still remains DECEASED with a charge off of {$3200.00} to AMERICAN EXPRESS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Since XX/XX/XXXX ; I have been proactively trying to get inaccurate, non-compliant accounts to be updated correctly on my credit report by submitting the appropriate requests and supporting documentation from the creditors/collectors showing the account status is to be updated to paid and the comments showing either paid in full or paid and settled for less than full amount. 

The bureaus and creditors/collections agencies just point blame and constantly send me back and forth for resolution. The creditors and collections agencies did supply me with supporting documentation since XX/XX/XXXX showing the accounts were to be updated to accurately reflect the correct status yet the bureaus continue to fail and report inaccurately and non-compliantly. I have been trying to amicably resolve this and have since been denied a mortgage due to the negligence of both parties. 

XXXX XXXX, Experian & XXXX continue to be negligent and I am seeking the accurate updates per the supporting documentation to be completed immediately. 

Thank you,

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 2019-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have an account with XXXX XXXX. Balance has been paid in full in fact I am owed money. On XXXX and XXXX it is reporting properly but not transunion. I contacted them regarding this matter and I'm having a serious issue. I need them to make and update immediately as this has been paid.

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 2019-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Since XX/XX/XXXX ; I have been proactively trying to get inaccurate, non-compliant accounts to be updated correctly on my credit report by submitting the appropriate requests and supporting documentation from the creditors/collectors showing the account status is to be updated to paid and the comments showing either paid in full or paid and settled for less than full amount. The bureaus and creditors/collections agencies just point blame and constantly send me back and forth for resolution. The creditors and collections agencies did supply me with supporting documentation since XX/XX/XXXX showing the accounts were to be updated to accurately reflect the correct status yet the bureaus continue to fail and report inaccurately and non-compliantly. I have been trying to amicably resolve this and have since been denied a mortgage due to the negligence of both parties. XXXX XXXX, XXXX & Equifax continue to be negligent and I am seeking the accurate updates per the supporting documentation to be completed immediately. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bonneville Billing and Collections
State: MD

Complaint narrative:
On XX/XX/19 I sent a request for validation letter to Bonneville Collections. In my request for validation I specified that it should be in accordance with the FCRA, to include but not limited to copies of any papers that show that I agreed to pay what they say I owe. On XX/XX/19 I received a response from Bonneville Collections which only included an itemized statement of services and charges of { {$3900.00} + {$2900.00} to equal {$6900.00} to which they have continuously added interest, now reaching {$2700.00} to bring it all to a grand total of {$9700.00}, and counting } which they obtained from the original creditor XXXX XXXX. No contract with my signature was ever sent to me. As a result of medical procedures being listed on this statement, not only was this NOT proper and correct validation but also a clear violation of my HIPPA rights. These actions are also violations of the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, and a defamation of character. This debt collection agency has been falsely reporting indebtedness on my credit reports for nearly 7 years and has highly negatively impacted my credit reports, scores, and not to mention my quality of life as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: GREAT WESTERN BANCORP, INC.
State: SD

Complaint narrative:
I purchased football game tickets from a man on XXXX. I made the payment and never received the tickets. His facebook profile is now deactivated. 

I filed a dispute with Great Western Bank in XXXX XXXX and it was denied. They stated they had to follow 'Visa Rules '. Reg E rules always trump the network rules ....

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 2019-09-11 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: EQUIFAX, INC.
State: WI

Complaint narrative:
On XX/XX/2017 I went to a XXXX car dealership and completed an application to finance a vehicle. I specifically informed them that I would only go through XXXX XXXX XXXX for financing and no one else. They ran my credit through their dealership, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX. These all counted as " HARD INQUIRIES '' affecting my credit score. I attempted to resolve with the dealership to no avail. I then contacted all three credit reporting agencies, XXXX XXXX, Equifax and XXXX to explain and they stated that because my credit was ran, it was a hard inquiry. They would not assist in giving me any contact information for these agencies nor were they willing to recognized that for a situation like this, the inquires should be counted as one because it was for the same event - purchase of a vehicle from the same location who was running my credit.

Company response to consumer: Closed with explanation