vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-22 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: CA

Complaint narrative:
I'VE BEEN A VICTIM OF IDENTITY THEFT AND THE CREDIT BUREAUS HAVE REFUSED MY PAPERWORK THAT I SUBMITTED. I'VE ATTACHED A COPY OF THE LETTER THAT WAS MAILED TO ME REGARDING THIS ISSUE.

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 2022-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America closed my accounts without warning or cause in 2017, I was treated over the phone several times to unprofessional and abusive behavior by several Bank of America employees. And each response to my complaints have been watered down responses that did not address any of my concerns and instead continue to blame me when I did not have anything to do with what happened. My accounts were mishandled and they knew I had ID theft right around the time of these closures. Bank of America did not care or show concern at any time for what I experienced. Attached is a letter I wrote to the CEO Of Bank of America which I tried to send but never got a real address to send detailing the experience I endured at the hands of the employees involved. I am not saying money isnt owed and shouldnt be paid Im saying due to what happened I should not be held responsible due to the extreme trauma this caused. Bank of America does not have to have me back as a customer if they do not choose to but what they can choose to do is to show me some compassion after all I have been through and while I do not expect this to happen I am hoping there is someone who is willing to do something.

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 2022-01-22 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: CA

Complaint narrative:
I'VE BEEN A VICTIM OF IDENTITY THEFT AND THE CREDIT BUREAUS HAVE REFUSED MY PAPERWORK THAT I SUBMITTED. I'VE ATTACHED A COPY OF THE LETTER THAT WAS MAILED TO ME REGARDING THIS ISSUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 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: CA

Complaint narrative:
I'VE BEEN A VICTIM OF IDENTITY THEFT AND THE CREDIT BUREAUS HAVE REFUSED MY PAPERWORK THAT I SUBMITTED. I'VE ATTACHED A COPY OF THE LETTER THAT WAS MAILED TO ME REGARDING THIS ISSUE.

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 2022-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: NM

Complaint narrative:
At the end of XXXX, XXXX, I received three notices about attempts to open accounts at XXXX XXXX in my name. I spoke with XXXX XXXX, and the put out a fraud alert concerning this topic. Today, XX/XX/XXXX, I received a debit card from Chime that was set up in my name. I contacted the company, and they have claimed to have closed the account. I was unable to speak to anyone at the company, however, so I am unsure. I have been working on changing all of my passwords, have credit freezes on, and monitoring my credit. Someone is actively trying to open accounts, and I feel this need additional attention lest they succeed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
On XX/XX/2021 a notice of dispute was sent via certified mail to Synchrony. The notice sent was a demand for proof of debt claim for 2 different accounts. It was requested for the corporation to provide all of the appropriate forms and paperwork that I requested back to me along with an Affidavit signed in Accordance with Title 28 USC sec 1746 within 30 days from the date of receipt of the notice/request for validation and proof of claim. I was mailed back a letter with screenshots attached of invoices showing activity on an account, but nothing proven that I " the consumer '' am responsible for the " debt '' in question. Synchrony Bank has intentionally ignored my written request to verify their " debt '' claim by not sending back the requested documentation and they only continue to attempt to collect. As a consumer I am aware that under the FDCPA this is a violation on Synchrony Banks part. 

" A collector can't continue to collect on a debt after you've made a written request to verify the debt as long as the request was made within 30 days of the collector 's written notice. ''

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 2022-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: VT

Complaint narrative:
I received notification from my credit monitoring service that an inquiry was made of XXXX in my name using my SSN and a credit card was issued by TD Bank. I immediately placed a freeze and fraud alert with XXXX, XXXX and XXXX, and notified TD Bank that I had not applied for any credit card. They informed me that a credit card was issued using my personally identifiable information ; name, SSN, home address. They told me that when I received the credit card to destroy it and they put a block on the account. This afternoon, XX/XX/22 at XXXXXXXX XXXX I received the credit card and also a book of checks for an account set up at TD Bank. I did not request either a credit card or a checking account from TD Bank, so apparently whomever applied for the credit card set up a checking account as well. The name and address on the checks is my name and address, but the phone number is different. I XXXX  the telephone number ( XXXX ) on the check and it is listed to a person by the name of XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX MA. My middle initial is not XXXX, and my telephone # is a VT area code XXXX. TD Bank keeps sending me in circles with the automated help lines that have not provided any information on the checking account. I have confirmed the credit card has been blocked but have not been able to obtain any information on the checking account ( number XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

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 2022-01-22 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: BMW Financial Services NA, LLC
State: NV

Complaint narrative:
BMW continues to report inaccurate information on my credit report. 

After multiple attempts to correct the erroneous credit reporting with them directly, they continue to ignore my requests. 

The information that should be reported is the following : -Postponed payment ( no status ) for XXXX, XXXX, XXXX, XX/XX/XXXX ( due to a natural disaster - COVID19 Pandemic ) -On time payments XX/XX/XXXX through XX/XX/XXXX when the lease balance was paid off. 

This information was being previously reported accurately to the credit bureaus ( I am enclosing proof as an attachment ). However when the balance owed was paid off on XX/XX/XXXX, BMW decided to break the law and report inaccurate information on my credit report by deleting/modifying the information that I described earlier.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: ROBINHOOD MARKETS INC.
State: NJ

Complaint narrative:
I have tried to call Robinhood and email them. No one answers. I want my account close and my money returned to me. It is confounding, but you can not close your account using their systems and you cant call or get a resolution via email. They ignore you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 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: FL

Complaint narrative:
I sent in since XX/XX/XXXX paid bank checks with statement and now XXXX sent in banking letter with tracking information of payment. Experian refuses to do their job and review bank documents and refuses to process any document of proof. I have been going thru this with this company 2 years. There job is to verify and produce documents that show the information is correct into which they refuse to not remove. They have done none. 

These accounts accounts are paid in full not late, in collections or any other false reporting they are displaying on my report XXXX XXXX {$640.00} XXXX XXXX {$150.00} XXXX {$530.00} XXXX {$1200.00} XXXX {$270.00}

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 2022-01-23 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: FL

Complaint narrative:
I sent in since XX/XX/XXXX paid bank checks with statement and now XXXX sent in banking letter with tracking information of payment. XXXX refuses to do their job and review bank documents and refuses to process any document of proof. I have been going thru this with this company 2 years. There job is to verify and produce documents that show the information is correct into which they refuse to not remove. They have done none. 

These accounts accounts are paid in full not late, in collections or any other false reporting they are displaying on my report first premier {$640.00} first progress {$150.00} discover {$530.00} XXXX {$1200.00} target {$270.00}

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 2022-01-23 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: FL

Complaint narrative:
I sent in since XX/XX/XXXX paid bank checks with statement and now XXXX sent in banking letter with tracking information of payment. XXXX refuses to do their job and review bank documents and refuses to process any document of proof. I have been going thru this with this company 2 years. There job is to verify and produce documents that show the information is correct into which they refuse to not remove. They have done none. 

These accounts accounts are paid in full not late, in collections or any other false reporting they are displaying on my report XXXX XXXXr {$640.00} XXXX XXXX {$150.00} XXXX {$530.00} XXXX {$1200.00} XXXX {$270.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 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: IL

Complaint narrative:
ON XX/XX/2021 I SUBMITTED A COMPLAINT WITH CONSUMER FINANCIAL PROTECTION BUREAU ABOUT CREDIT INQUIRIES THAT ARE REPORTING ON MY CREDIT REPORT THAT I HAVE NOT AUTHORIZED WITH ALL THREE CREDIT BUREAU. IT HAS BEEN OVER 30 DAYS AND THESE INQUIRIES HAVE NOT BEEN REMOVED FROM MY CREDIT REPORT. I HAVE OVER 20 HARD INQUIRIES DAMAGING MY CREDIT REPORT AND WOULD LIKE THEM TO BE REMOVED.

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 2022-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MO

Complaint narrative:
I received a cash app visa debit card I did not apply for. I tried to call Cash app and their XXXX the company did not reply. I've already reported fraud on another account. I'm frustrated that these companies just allow people to apply and send visa debit cards for them to scam other people in innocent peoples names. I placed a fraud alert with all 3 credit agencies, so they clearly used my social and didn't adhere to the alert. I want them to delete this account immediately. I want them to send me confirmation it's been deleted. This is fraud!!! I also think some sort of class action lawsuit should be filed on all companies allowing this to happen. They are supporting scamming and should be held accountable. Please please file this complaint with Cash App/ Square and ask them to delete NOW and notify me it's been done. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc
State: NJ

Complaint narrative:
On XX/XX/2022 I ordered a XXXX phone online for my XXXX XXXX XXXX for her birthday the amount paid for the phone was XXXX it was a XXXX XXXX a red model being as though I was a new customer I only paid for the first 3 months of billing and the phone was free and it was expected to get delivered the next business day which was XX/XX/XXXX after I receive the tracking number and the carrier which was ups I turned in notifications to keep track of my package the next day comes when the package was expected to arrive I headed out early that morning to my daughters XXXX doctor all the way in XXXX XXXX XXXX I received a notification 15 minutes after the package was delivered I called my neighbor she stated that when she went to look for the package which was dropped in front of my door it was nothing there so after my daughters appointment I headed home to see if It was maybe in my mailbox it was not I then called my housing manager and requested the cameras be ran back to see was a package taken from by my door and he called back within an hour and indeed saw someone picking a small box up from in front of my door I also filed a police report and my housing manger did as well I also called XXXX  they gave me useless options either purchase a phone or basically dispute it with my bank which is chime I disputed my order on XX/XX/2022 and I called today XX/XX/XXXX for an update chime replied I was not eligible for provisional credit and that it can take up to 90 days for a decision from the merchant which was XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I never consented to authorize nor benefited from all Inquires and accounts mentioned on my Identity theft repot, Block and delete them. If I have received goods and services from the furnished Inquires and account, let XXXX, Equifax and XXXX have one of their senior executive certify under the penalty of perjury that I did received good and service from those transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 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: IL

Complaint narrative:
ON XX/XX/2021 I SUBMITTED A COMPLAINT WITH CONSUMER FINANCIAL PROTECTION BUREAU ABOUT CREDIT INQUIRIES THAT ARE REPORTING ON MY CREDIT REPORT THAT I HAVE NOT AUTHORIZED WITH ALL THREE CREDIT BUREAU. IT HAS BEEN OVER 30 DAYS AND THESE INQUIRIES HAVE NOT BEEN REMOVED FROM MY CREDIT REPORT. I HAVE OVER 20 HARD INQUIRIES DAMAGING MY CREDIT REPORT AND WOULD LIKE THEM TO BE REMOVED.

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 2022-01-23 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: EQUIFAX, INC.
State: IL

Complaint narrative:
ON XX/XX/2021 I SUBMITTED A COMPLAINT WITH CONSUMER FINANCIAL PROTECTION BUREAU ABOUT CREDIT INQUIRIES THAT ARE REPORTING ON MY CREDIT REPORT THAT I HAVE NOT AUTHORIZED WITH ALL THREE CREDIT BUREAU. IT HAS BEEN OVER 30 DAYS AND THESE INQUIRIES HAVE NOT BEEN REMOVED FROM MY CREDIT REPORT. I HAVE OVER 20 HARD INQUIRIES DAMAGING MY CREDIT REPORT AND WOULD LIKE THEM TO BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 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: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
Hi. 

We have confirmed our mortgage is owned by XXXX XXXX and was eligible for Covid-19 forbearance program starting XX/XX/2020 via the CARES Act. Per the CARES Act, all eligible mortgages were granted a maximum 18 month forbearance. 

On XX/XX/2020 we contacted our previous mortgage servicer ( Dovenmuehle Mortgage, Inc. ) about covid-19 forbearance. They gave us the run around from the start ( threating us with foreclosure ), but eventually transferred our mortgage service to XXXXXXXX XXXX in XX/XX/2020. 

Meanwhile, since we had a legally standing maximum forbearance of 18 months per the CARES Act, all servicers were prohibited from reporting any negative adverse actions to any credit agencies during this period. 

Recently we went to obtain our credit reports and Dovenmuehle reported our payment status as 120 days delinquent on XX/XX/2020 ; which greatly affected our FICO scores. 

How do we remedy this since they are no longer the servicer of our mortgage? 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 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: GA

Complaint narrative:
To Whom It May Concern : I have recently been informed that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings I challenge the accuracy, compliance and reportability of these listings. 
XXXX XXXX XXXX ( Paid in Full ) {$1500.00} XXXX XXXX XXXX ( Paid in Full ) {$670.00} There are no contracts, no valid claim ... accounts were settled with original creditors, never late or went into collections Grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may followthis is unlawfuldebts can not be collected twice Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : 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