vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I searched my XXXX  credit reports and found. that the CRA XXXX  XXXX just refuses to follow guidelines of FDCPA and the FCRA and perform a proper and complete investigation of my account # XXXX with Bank Of America.. First of all, the acct # XXXX ... 
should never have been closed & charged off and I will show the illegal reporting down below : 1. ) XXXX reports ( 3 ) three different amounts as the amount owed to Bank of America!! That is impossible and the reporting of this acct # XXXX needs to be Deleted immediately!!! It's impossible to owe '' B of A '' an amount of {$1000.00} when the max credit limit on the credit card was {$500.00}!! This acct # XXXX ... needs to be Deleted because of this inaccurate unverifiable reporting! XXXX  & '' BofA '' also list a third amount of {$490.00} as the figure owed to " BofA '' This amount is inaccurate also!! These are all violations of the FDCPA and the FCRA and the whole account # XXXX ... should be Deleted immediately!! 
2. ) Additionally, XXXX  and " B of. A '' also illegally reports a " '' past due '' amount on my credit report regarding this chargedoff collection acct # XXXX..That 's also a violation of the FDCPA and the FCRA because it exponentially & unfairly harms my credit even more!!! This acct. # XXXX ... should be Deleted immediately!! 
3. ) Additionally Transunion and Bank of America disrespects the FDCPA & FCRA even further by not properly investigating and properly categorizing their findings as prescribed by law!! The term of " NOT SPECIFIED '' being placed on my credit report is flagrant disrespect and wreckless disregard for the FDCPA & FCRA and an insult!!! The law is clear & Both parties refuse to tell the truth and Delete this account # XXXX. Please help me with these huge bullies!! 
They don't even bother to render an official opinion of the facts regarding my Acct # XXXX as demanded by law!! They both should be punished!. I have disputed these reporting issues with them both for over ( 2 ) two years and they have ignored me as if they think they are above the LAW!!! PLEASE HELP ME..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NJ LENDERS CORP
State: NJ

Complaint narrative:
NJ LENDERS has been requested to provide me a copy of my original XXXX purchase XXXX XXXX XXXX XXXX mortgage that NJ LENDERS claims to have paid off at the XXXX refinance. There is no record of satisfying the mortgage, no release of XXXX and no discharge. The attachment includes actual payment records made for the mortgage labeled " MORTGAGE PAYMENT CHECKPAYMT '' of my checking account. All the other payees were listed by name and with the front and back of the check shown on my statement. NONE were returned even though they were paid. In addition the notice of settlement filed by closing attorney XXXX " Bag of Donuts '' XXXX references a NON EXISTANT address of XXXX XXXX XXXX XXXX, N.J. The LOT & BLOCK were changed about the same time the sellers bought the property. The Affidavit of Title and IRS documents that were signed by the sellers list XXXX XXXX XXXX XXXX, N.J. as the property being sold. 

I have requested NJ LENDERS for information that they should have on hand if they actually paid of my original XXXX purchase XXXX XXXX XXXX XXXX  mortgage at the XXXX refinancing. The XXXX  information is also included. I will get this to a layer but have been unable to do son because my phone calls are being intercepted. Once the COVID issue allows the opening of businesses again I will make an appoint in person. For now I will keep trying on the phone but I keep getting stonewalled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: ALLY FINANCIAL INC.
State: NC

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, 2019, ALLY FINANCIAL add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2019, 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 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 2020-12-08 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: FL

Complaint narrative:
A couple of days ago, I checked my credit report, some information is not mine. I think that I may be a victim of identity theft. I do not recognize these accounts inquiries and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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:
A couple of days ago, I checked my credit report, some information is not mine. I think that I may be a victim of identity theft. I do not recognize these accounts inquiries and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: NY

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, XXXX and XXXX XXXX, XXXX, CITIBANK NA., BEST B add a hard inquiries on my credit report per XXXX  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 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 2020-12-08 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: OneMain Finance Corporation
State: NY

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, ONEMAIN FINANCIAL add a hard inquiries on my credit reports per XXXX  and XXXX. On XXXX XXXX, 2020, XXXX XXXX XXXX add a hard inquiries on my credit reports per XXXX, XXXX  and 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 2020-12-08 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: NV

Complaint narrative:
I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( XXXX, TransUnion and XXXX  ) via certified mail on XX/XX/2020. 
In my letter sent and received by XXXX, TransUnion and XXXX  I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been more than 3 months from my written request and I have not received any responses.

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 2020-12-08 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: NV

Complaint narrative:
I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( XXXX, XXXX and Equifax ) via certified mail on XX/XX/2020. 
In my letter sent and received by XXXX, XXXX  and Equifax I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been more than 3 months from my written request and I have not received any responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: Grant Mercantile Agency
State: CA

Complaint narrative:
Currently, I am making formal complaint this credit union because they close checking account in XX/XX/2020 for no reason. I was with this credit union for 2 years and never had these problems.This was despite depositing XXXX dollars into my account. I left my savings account open. In addition, they put me in collections on XX/XX/2020 for XXXX for no reason. 
They didn't sending me anything explaining why they close my account or why they put me in collection s.I would like this credit union to stop trying to ruin my credit overall.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: CA

Complaint narrative:
In XXXX of this year I notice 6 late payments to XXXX XXXX County child support I contacted XXXX XXXX County they admitted their mistake sent me an email explaining it and told me to file a dispute I filed 6 rounds of disputes none of which were ever sent the XXXX XXXX County I then went to the consumer finance bureau have now filed 2 rounds with them I was told for some reason trans Union was unable to open my documents to confirm that there was a mistake made, so now I am resubmitting all these documents to take care of this, included is an email stating that the mistake was the fault of XXXX XXXX County I've included this again. I've also included copies of my passport driver 's license social security card and proof of my address in case any of those are in question

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 2020-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XXXX XXXX XXXX took me to court for a debt that did not belong to me. On XX/XX/2019, a XXXX XXXX dismissed the case. However, XXXX XXXX XXXX is still reporting the debt to the credit bureaus saying that I owe it and it is still in collection. I disputed the entry and XXXX refuses to remove it saying that the account is still open and that I owe the debt.

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 2020-12-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: SC

Complaint narrative:
Opened a Self Credit Builder Loan in XX/XX/2020, reduced hours and eventually lay off within 2 weeks due to the National Coronavirus Pandemic. Contacted Self to close the loan and account. Account was paid in full by security interest Certificate of Deposit. 

Account was not closed until lender showed 3 late payments. The account is showing closed on my report but not reflecting accurately as to payments. There were no payments made or due as the loan was not open long enough and was immediately paid in full. 

Have contacted the company and have encountered long wait times and then promises of corrections and email updates that never come to fruition. 

This is incorrect information and is impacting me negatively and severely for a situation that was totally out of my control. 

I never fell behind on payments or asked for any special assistance in regards to the acccount. Simply requested it be closed. Then requested the information be reported accurately which has not occurred to date. 

However I am now requesting that the company delete the account and record to all three bureaus as having never existed. 

I have since regained employment and started financial recovery from the Pandemic. I chose to open a new account with Self and it is being reported accurately at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: MI

Complaint narrative:
Transunion credit report : XXXX XXXX-fraud hard inquiry on my credit report- I didn't apply-inquiry date XX/XX/XXXX. I called XXXX XXXX several times to report. Police won't do a police report. I also reported to usa.gov. I notified Transunion. 

XXXX-fraud hard inquiry on my credit report- I didn't apply-inquiry date XX/XX/XXXX. I called XXXX several times to report. Police won't do a police report. I also reported to usa.gov. I notified Transunion. 

XXXX-fraud hard inquiry on my credit report- I didn't apply-inquiry date XX/XX/XXXX. I called XXXX several times to report they can't do anything, don't see anything regarding my information, and can't send me anything. Police won't do a police report. I also reported to usa.gov. I notified Transunion. 

XXXX  credit report : XXXX XXXX-fraud hard inquiry on my credit report- I didn't apply-inquiry date XX/XX/XXXX. I called XXXX XXXX several times to report. Police won't do a police report. I also reported to usa.gov. I notified XXXX. 

XXXX XXXX-fraud hard inquiry on my credit report- I didn't apply-inquiry date XX/XX/XXXX. I called XXXX XXXX several times to report, they don't see anything with my information, and can't send me anything. Police won't do a police report. I also reported to usa.gov.I notified XXXX. 

XXXX XXXXXXXX XXXX XXXX-fraud hard inquiry on my credit report- I didn't apply-inquiry date XX/XX/XXXX. I called XXXX several times but can't reach anyone. Police won't do a police report. I also reported to usa.gov. I notified 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 2020-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
today is 25 days waiting for my XXXX and XXXX reached out to me that they never recd the transfer from TD bank for XXXX that they said they sent. CFPB already got an answer for this complaint on XX/XX/XXXX stating the bank will xfer funds from my closed TD acct to my XXXX XXXX bank account. ( initiating bank ) it would take 5-7 biz days. Today is the 25th biz day and my money is not in my acct. They are holding my money illegally!!. can not call them ( wait times are over 1 hour, and they do not answer emails. ) They stated to you that the funds would be transferred and as of today they are not in my acct at XXXX XXXX ending in XXXX its 25 biz days! previous complaint # is XXXX Thank you but they are cheating me. I am owed XXXX!! XXXX  acct # XXXX. On XX/XX/XXXX I transferred XXXX to TD acct from XXXX. On XX/XX/XXXX I transferred XXXX from XXXX to open TD acct. Now the funds are somewhere but not in my XXXX acct. Please send the $ $ NOW I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-08 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: CA

Complaint narrative:
I am writing this due to non-compliance with the Credit Reporting Agencies ( XXXX, Transunion, and XXXX. ) They have failed to remove information that was affiliated with personal details that were challenged in the past. 

Consistently reporting erroneous items is a clear violation of the law. The negative items on my credit report can not be authenticated to be certified under testimony to be true and accurate. 

I strongly believe they are in violation of the FCRA and are outright refusing to uphold the law.

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 2020-12-08 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: CA

Complaint narrative:
I am writing this due to non-compliance with the Credit Reporting Agencies ( XXXX, XXXX, and Equifax. ) They have failed to remove information that was affiliated with personal details that were challenged in the past. 

Consistently reporting erroneous items is a clear violation of the law. The negative items on my credit report can not be authenticated to be certified under testimony to be true and accurate. 

I strongly believe they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX 
On XXXX. XXXX, 2020, 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