vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-26 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
THIS IS A NEW COMPLAINT! The prior complaint did not fix the issue. 
Please note according to the CFPB website it should have been one inquiry to my credit report and not 3 " hard hits '' under What effect will shopping for an auto loan have on my credit?

" When you apply for a loan and the lender checks your credit, a credit score is created for the lender. Depending on the credit scoring model used, generally any credit inquiries that took place within a 14 to 45-day time span will only count as one inquiry. So its a good idea to do your loan comparison shopping within a short time period to minimize any negative impact on your credit score. '' Since all three inquires happened on the same day. Please correct my report. Since I am unable to attach the report it is as follows : LOW IMPACT.

We noticed a lot of hard inquiries Hard inquiries from things like credit applications can stay on your report for up to 2 years, but their effects tend to fade over time. 


from XXXX XXXX What to know Good news! It's a temporary ding and scores usually bounce back in 3 months.

Plan ahead and minimize your hard inquiries at least 9-12 months before trying to get a mortgage or big loan. 





Inquiry details XXXX Na Inquiry from XX/XX/XXXX Bank + XXXX  Inquiry from Apr XXXX, XXXX This inquiry could stay on your report until XX/XX/XXXX. 


See an error? 
Find out how to dispute a hard inquiry Institution Information XXXX XXXX, NC XXXX I ( XXXX ) XXXX XXXX Inquiry from XXXX XXXX, XXXX This inquiry could stay on your report until XX/XX/XXXX. 


See an error? 
Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX  XXXX. + XXXX XXXX XXXX + Credit Union This inquiry could stay on your report until XX/XX/XXXX. 


See an error? 
Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX, TX XXXX ( XXXX ) 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 2019-08-26 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: OH

Complaint narrative:
I got a letter in the mail from XXXX XXXX they claim that they never received my credit identity theft packet that I sent in XX/XX/2019. It was sent via certified mail from the XXXX, va usps and it was notarized by XXXX bank in XXXX, VA. The address is XXXX XXXX XXXX XXXX, XXXX, VA XXXX and you may reach them at ( XXXX ) XXXX. I am very confused on how they didn't receive it. It cost money and time to send certifed mail and this have been going on for too long.

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 2019-08-26 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: OH

Complaint narrative:
I got a letter in the mail from XXXX XXXX they claim that they never received my credit identity theft packet that I sent in XX/XX/2019. It was sent via certified mail from the XXXX, va usps and it was notarized by XXXX XXXX in XXXX, VA. The address is XXXX XXXX XXXX XXXX, XXXX, VA XXXX and you may reach them at ( XXXX ) XXXX. I am very confused on how they didn't receive it. It cost money and time to send certifed mail and this have been going on for too long.

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 2019-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivable Recovery Services, LLC
State: OH

Complaint narrative:
Receivable recovery placed a account in my name that is not mine. I did not have this account and this account is not mine. I have never opened an account with XXXX XXXX. I never heard of a XXXX XXXX. This account was placed in my name fraudulently. It is listed a medical debt which is against the HIPAA laws to place on my credit profile and it needs to removed because it is a violation of HIPAA laws plus it isn't my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I had a vehicle that was charged off on or around XXXX of XXXX by GMAC. This debt was sold or obtained to Ally Bank at some point. They are stating that the debt was last past due on XXXX of XXXX which is almost 4 years after the occurrence. I have reached out to them several times and seem to not see the error. Re-aging of consumer debt is a crime and is negatively affecting 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 2019-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cascade Capital, LLC
State: TX

Complaint narrative:
I recieved a notice in the mail that Cascade Capital LLC. has sold an account that is in my name, to XXXX XXXX XXXX. I never recieved a letter stating that the account held in my name, was being sold. 
I have asked XXXX XXXX XXXX to VALIDATE the information. They said that the will reach out to the ORIGINAL CREDITOR. All I recieved was an itemized statement at the beginning. I then asked them to validate, I have recieved another statement but this one seems to have some medical procedures on on it. 
I have called XXXX XXXX XXXX and spoke to a person named, XXXX, asked them if they have the HIPPA Realease Form to share this information to a 3rd party. XXXX stated that they are still acquiring that information from Cascade Capital LLC. 
I feel like my HIPPA laws may have been violated and if they have the correct paper work, I should be provided with proof. 
I will attach the files/statement that was sent to me by XXXX XXXX XXXX that they recieved from Cascade Capital LLC. but I will cover up the area were it seems that medical procedures were done for caution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES
State: CA

Complaint narrative:
Hi, I have student loans with My Great Lakes.

Their website says that they offer statements in PDF form, although the only way they are capable of doing that is through the mail. 

I requested past statements on CD 1 year ago, and they sent them. Almost 4 months ago, I again requested past statements on CD. 

They gave me endless reasons of why they are capable of doing so, but refuse to do so. And then, recently, they decided to stop all paper communication in the mail, despite clearly acknowledging in writing that they would continue paper statements, send past statements on CD, and send future statements in both paper and CD Format. 

So now, perhaps as retribution, I have neither paper nor PDF statements. 

The only email with a name was signed XXXX, from Customer Experience Response Team.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Receivable recovery placed a account in my name that is not mine. I did not have this account and this account is not mine. I have never opened an account with XXXX XXXX. I never heard of a XXXX XXXX. This account was placed in my name fraudulently. It is listed a medical debt which is against the HIPAA laws to place on my credit profile and it needs to removed because it is a violation of HIPAA laws plus it isn't my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: NJ

Complaint narrative:
I am writing in regard to late payments on my credit report, concluding to being put on collections in XX/XX/2016 for my XXXX account XXXX, who was then transferred to Receivables Performance Management ( RPM ), the account number is XXXX. 

The amount was for {$1500.00}. This was paid in full within a few days of the collection agency contacting me promising they would get rid of the mark on my credit report. I never even received a payment confirmation and the derogatory mark is still in my report.

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 2019-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
This debt originated in XX/XX/XXXX I was a victim of ID Theft in XX/XX/XXXX in which I submitted the police report to the 1st Point Collection Company as well as a recent report of someone trying to use my ID to purchase items in my name online in which I also disputed and the remark was removed. 1st Point refuses to remove the deragatory remark from my report acknowledging that I am responsible for the debt owed. I tried resolving this problem multiple times before with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I started my complaint approximately XX/XX/2019. I paid a company, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX ; which was recommending to me by XXXX   XXXX XXXX XXXX formerly XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX , came on behalf of XXXX XXXX XXXX and gave a written estimate for {$2500.00}. He received a deposit for {$1500.00} ; check # XXXX on XX/XX/2019 and the balance for {$1000.00}, check # XXXX ; a metal part ( track repair ) {$80.00}, check # XXXX. XXXX XXXX DID NOT COMPLETE/FULFILL his contract responsibilities. When I called Suntrust Bank to put a stop payment on the checks ; I WAS TOLD I COULD NOT. I told them that this person, XXXX XXXX XXXX committed fraud. The company XXXX XXXX XXXX XXXX did not exist. I filed a police report, I filed a complaint with XXXX XXXX XXXX XXXX, I contacted the Ga Secretary of State. I filed an Open Records Request with Suntrust Bank by Faxing to all the fax numbers they gave me. I sent a message through my online banking access to no avail. All they sent me was a STANDARD FORM LETTER and it wasn't signed. You violated my rights a banking customer and consumer. The Open Records Request was asking " Where did the Money Go ''? Suntrust Bank said they were assigning an investigator within 15 days. It took over 30. I faxed Open Records Request to ( XXXX ) XXXX ; XX/XX/2019, ( XXXX ) XXXX ; XX/XX/2019, ( XXXX ) XXXX ; XX/XX/2019 ; called ( XXXX ) XXXX option # 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 2019-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: CT

Complaint narrative:
XX/XX/2019 I got a letter from ELAN FINANCIAL SERVICES THAT I WAS DUE {$37.00} is owed to be after further investing my account. My card is suppose to be closed and my account closure is in pending status. I was suppose to get my check by XX/XX/19 I never got my check. I called XX/XX/19 Customer Service stated that they never mailed by check and now I have to wait 10 business days to get my check. unacceptable.

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 2019-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Im trying to unfreeze my credit report. To get an Bank approval to open up an acct. Equifax Credit Bureau keeps saying they cant verify me, but yet they send me mailings, XXXX  and XXXX  can identify me even though I have identity theft!!! And since Equifax can do a Data Breaches against me, yet they cant identify me. This is so bogus!!! I want my credit report unfrozen so I never have to deal with them again and I WANT THEM SUED FOR THIS DATA BREACH ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: NE

Complaint narrative:
On Thursday XX/XX/2019 my credit score was XXXX on Friday XX/XX/XXXX XXXX, Equifax, XXXX dropped my score from 34 to as much as 89 points. There was no additional information added or deleted during this time period except that my Credit Card balances were reduced slightly which should increase my score. Upon contacting XXXX they stated that is not information we can provide you. Predatory credit reporting is the biggest consumer ripoff in the United States. ; I want the score returned to the mid 600s or a legitimate explanation why it is not!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: OH

Complaint narrative:
Hello : How are you? I hope well. My name is XXXX XXXX and there is incorrect and fraudulent information reporting on my credit profile. It needs to be removed immediately. 
The following inquiry needs to be removed immediately : XXXX XXXX  Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately : XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed. 
XXXX XXXX XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed : XXXX XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed : XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

Please remove all fraud alerts immediately please and thank you. 

Please remove all outdated addresses. 

My CURRENT and Only address is XXXX XXXX XXXX XXXX XXXX, OHIO XXXX. 

XXXX 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 2019-08-26 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: PA

Complaint narrative:
I DISCOVERED NUMEROUS ACCOUNTS REPORTING ON MY CREDIT REPORT THAT DO NOT BELONG TO ME. I ADVISED THE BUREAUS. I DID NOT OPEN ANY OF THESE ACCOUNTS LISTED.

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 2019-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Creditor's Collection Service, Inc.
State: NC

Complaint narrative:
Creditor Collection Services just reported a medical bill on my credit report from XXXX XXXX. First of all, this medical service was covered under a worker 's compensation claim. Futhermore, I never received a bill from XXXX XXXX about this service. If I had, I would have submitted it to the human resources dept of the liable employer, for payment. Additionally, I did not receive a 30-day notice of my right to dispute from Creditor Collection Services, prior to this bill appearing on my credit file.

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 2019-08-26 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: NV

Complaint narrative:
I DISCOVERED NUMEROUS ACCOUNTS REPORTING ON MY CREDIT REPORT THAT DO NOT BELONG TO ME. I ADVISED THE BUREAUS. I DID NOT OPEN ANY OF THESE ACCOUNTS LISTED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-26 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: SC

Complaint narrative:
Since 2017, I have repeatedly filed disputes on unauthorized inquires made and an account which is not mine. I have personally called Equifax many times and was told that they could not do anything about the situation even though there is a Legislative Security Freeze on my information. All the companies have been notified in writing with no response from any. In addition, none of the companies have contacted me before acquiring my information for verification. To this date, the information still remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have just started a new business and applied to Wells Fargo to set up a small business account. On XX/XX/2019 I was emailed pre-filled documents to sign and send back as part of the application process - I just opened the links in the document emailed to me and one of the forms has another customers information filled out including his full name, phone number, business name, EIN and SIN. 

I have reported this to Wells Fargo and they are apparently investigating. They are also looking into whether my personal details were also shared with this customer or anyone else, I am waiting on the results of the findings. 

I am very alarmed and concerned by this incident and want to report this incompetence, invasion of privacy and security risk to the authorities. 

I have also had other issues of incompetence and unprofessionalism in dealing with Wells Fargo business department and do not feel comfortable or safe banking with them. 

In order to protect and include the other customer is this report his name is XXXX XXXX XXXX ( XXXX ) XXXX 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 2019-08-26 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: NV

Complaint narrative:
I DISCOVERED NUMEROUS ACCOUNTS REPORTING ON MY CREDIT REPORT THAT DO NOT BELONG TO ME. I ADVISED THE BUREAUS. I DID NOT OPEN ANY OF THESE ACCOUNTS LISTED.

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 2019-08-26 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: NV

Complaint narrative:
I DISCOVERED NUMEROUS ACCOUNTS REPORTING ON MY CREDIT REPORT THAT DO NOT BELONG TO ME. I ADVISED THE BUREAUS. I DID NOT OPEN ANY OF THESE ACCOUNTS LISTED.

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