vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-08 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:
The Credit Bureaus never did a proper " investigation '' according to the FCRA. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
The did not do this. 
Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, The did not do this. 
Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything hs to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active i inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U S C 1681 Section 604 A Section 2- It also states a consumer renortinoadency can not furnish a account without mv written instructions

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 2022-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
I have been trying to correct my credit report with this company for close to 2 years. They fail to properly respond to my request to investigate or provide documentation on why they are showing this to be a charge-off/collection account. Their lack of caring to properly report this account on my credit has caused me to lose job opportunities because of their careless actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I have a fully satisfied loan from Affirm, satisfied XX/XX/XXXX. In XXXX of XXXX the company that was the retail partner I made my purchase with issued me a refund of {$500.00}. XX/XX/XXXX Affirm noted my account that my refund would be issued within 21 days of confirming my mailing address as they were mailing me a paper check. XX/XX/XXXX I received acknowledgment they received my confirmation of address. On XX/XX/XXXX I was informed after a lengthy run around of a phone call, first that my check would arrive " in 2 days, don't worry! '' they said. I demanded to know the date the check was issued, nobody could provide this to me. I demanded to have my case elevated to find out the date this refund check was issued to me, and later received an email message telling me one has not been issued. They are too busy they said. They owed me a refund of {$500.00} within 21 days and we are well past that now, and I have no idea when this company is going to return my refund from the merchant. Now I am told they need to have 16 days to do a search, plus 21 more days to issue it and I do not believe one word. A search of what? They never issued anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BMO BANK NATIONAL ASSOCIATION
State: UT

Complaint narrative:
My original loan through BMO Harris- I can't gain online access to understand what the payoff information is and when I'm calling I'm transferred to a different phone number for collections. That company 's name is XXXX. Every time I'm transferred I wait on the phone for over an hour and a half. I asked over 10 days ago for my payoff amount because I want to pay off the mortgage and fall and pay off any annuities or legal fees prior to it going into foreclosure. In XXXX and XXXX there were presidential master of natural disasters for a flood and a hurricane in the area and then in XXXX in XXXX there was Covid. I have also asked for a loan modification or just assistance to avoid foreclosure and there's no phone number that you can call you have to call the BMO Harris number be transferred over wait an hour and a half and then they give you an email address to send your request into there's no accountability here and nobody returns the phone calls and nobody returns the email and they just argue with you when you're on the phone. You feel helpless how am I supposed to pay this in fall I have been trying for weeks now and I can't even get the payoff information.

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 2022-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
The original credit card debt was paid. I have repeatedly noticed Resurgent Capital, and they continue to send fraudulent letters. This is a follow on Cease and Desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I applied for a XXXX credit card because it is advertised on their site that you can PREQUALIFY WITH NO IMPACT TO YOUR CREDIT SCORE. I was declined, and I received a notice from Experian that a hard inquiry was taken on XX/XX/2022 from XXXX XXXX. I called Experian and they stated that only XXXX can remove the inquiry. I called XXXX and they said that they will not remove the inquiry. I believe this is fraudulent on the part of XXXX and unscrupulous. I would never have applied if I knew it was going to be a hard inquiry. I have a screenshot of the website where it says there will be not impact to the credit score. XXXX told me initially ( 2 different people ) that it doesnt say that!! At this point, Experian and XXXX are passing me back and forth and I am working on my credit and Im left holding a hard inquiry. Totally wrong.

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 2022-04-08 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase placed a hold on a check I deposited on XX/XX/2022 which was supposed to be made available on XX/XX/2022. But the funds were made available for use on XX/XX/2022. I don't know the difference between a fraudulent check and a regular check that was why the hold was placed on the check but it was lifted which to me means it is a good check. XX/XX/2022, I woke up to $ XXXX in my chase checking account. I called the bank and they told me the check was fraudulent. I also went to a local branch but they said they made the check available because I am a loyal customer but they didn't investigate the check to know the validity of the check before releasing it. The said check is for a " supposed '' online job I applied to. I have no idea what type of check it was. I was just a job seeker doing my job at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XXXX, my XXXX XXXX pulled my credit score with Equifax and gave me the score of XXXX. As a member of MyEquifax, I pulled my credit score and it was XXXX. When I questioned the XXXX XXXX and Equifax, I got the run around. Equifax shows a Vintage 3 model. The XXXX XXXX says they use a different model, but could not provide the name. When I talked to Equifax, I got the same lame excuse. Why do we subscribe to these services if the information they provide is different than what the financial institutions use? In my opinion, it is a method which allows the financial institutions to use a lower credit score in order to charge higher interest rates. On the surface, this appears to fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia
State: CA

Complaint narrative:
I have been trying to correct my credit report with this company for close to 2 years. They fail to properly respond to my request to investigate or provide documentation on why they are showing this to be a charge-off/collection account. Their lack of caring to properly report this account on my credit has caused me to lose job opportunities because of their careless actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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 accordance with the fair credit reporting act act XXXX  acct # XXXX violated my rights 15 usc 1681 section 602 a. states I have the right to privacy. 15 usc 1681 section 604a section 2 it also states a consumer reporting agency can not furnish a account without my written permission.

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 2022-04-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the fair credit reporting act act XXXX XXXXt # XXXX violated my rights 15 usc 1681 section 602 a. states I have the right to privacy. 15 usc 1681 section 604a section 2 it also states a consumer reporting agency can not furnish a account without my written permission.

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 2022-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/XXXX I didn't giving JPMCB CARD SERVICES permission to obtain a copy of my credit report. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Asset Management Outsourcing, Inc.
State: MN

Complaint narrative:
NATIONWIDE RECOVERY SV Original creditor : XXXX XXXX {$1200.00} Balance updated XX/XX/2022 NATIONWIDE RECOVERY has placed a medical collection on my consumer report without my consent. I have not receive information that I could have disputed this debt. I saw it on my credit report and asked for validation and they have not provided the information requested. They have also refused to send letter of HIPPA release of my information which is against the law. I have not received any validation from National recovery. They have violated my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX/ {$0.00} / XX/XX/2018

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 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: CA

Complaint narrative:
RECENTLY I HAVE TRYED TO APPLY FOR A STUDENT LOAN FOR MY EDUCATION AND THE FINANCE COMPANY SAYS MY PERSONAL INFORMATION DOES NOT MUTCH WITH LEXISNEXIS. I HAVE TRYED TO CORRECT MY PERSONAL INFORMATION WITH THEM BUT THEY DO NOT WANT TO DO IT. I HAVE SENT THEM MY DRIVER LICENSE MY CURRENT UTILITY BILL AND A BANK STATEMENT. PLEASE HELP ME SO I CAN GET MY STUDENT LOAN.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have been trying to correct my credit report with this company for close to 2 years. They fail to properly respond to my request to investigate or provide documentation on why they are showing this to be a charge-off/collection account. Their lack of caring to properly report this account on my credit has caused me to lose job opportunities because of their careless actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: TX

Complaint narrative:
XXXX XXXX and their collections company, XXXX XXXX XXXX, have reported to Experian and other credit reporting agencies that I defaulted on an invoice in the amount of {$730.00} for an address in XXXX, Texas. The invoice does not belong to me and I have filed an incident report that this invoice is fraudulent and the companies have used my name and Social Security number to collect this fraudulent invoice without my consent. I have never been to XXXX, Texas and I do not have family there. Any use of my name and social security number is not authorized and the XXXX invoices are not mine.

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 2022-04-08 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: OK

Complaint narrative:
I have disputed information about my XXXX XXXX XXXX thats failed to correct the issues that are continuing to add damage to my credit report. My XXXX report shows me having a late payment in the month of XXXX and this is incorrect a payment of {$120.00} was made on XX/XX/XXXX. XXXX and Transunion are also reporting conflicting dates of closing on this account. There are to many errors on this 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 non-monetary relief
Consumer complaint received 2022-04-08 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: NE

Complaint narrative:
The philosophy of TransUnion LLC and XXXX seem to be that they allege you owe a debt and the consumer just deals with it or pays debts that are not theirs in order to finally have them removed from a Credit Reporting File. This is a direct violation of Federal Law 15 U.S.C. 1681. 

I also disputed the presence of XXXX XXXX XXXX being listed on my credit reporting file, I have not received documentation from either TransUnion or XXXX XXXX XXXX as requested. I have requested signed documentation authorizing the original account be opened in my name and social security number. No documentation was ever provided by either company. I requested this in order to have the signature compared to years of my signatures to assist in prevention of identity theft and to ensure 100 % accuracy of my credit reporting file. 

I have attached a copy of my dispute letters and every tactic they have used to prevent correcting the bad information, up to and including their claim in one letter that they could not even locate my credit file, as you can see in my dispute letters, they were given their own information to identify my credit file. 

How can a credit reporting agency be trusted to ensure accuracy of the information they are reporting, when they can not even locate a consumer file with their own information and a copy of their own report included with each dispute?

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 2022-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I have contacted the credit bureaus XXXX, XXXX and Transunion requesting that these fraudulent and unauthorized inquiries be removed, and they have refused. I didn't apply to and have no recollection of these companies. 


XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  XXXX XXXX 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX. 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date XXXX XX/XX/XXXX XXXX Miscellaneous and public record Inquiry XXXX : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX 2023

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