vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-13 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: GA

Complaint narrative:
This company is refusing to remove inquiries I did NOT authorize. Although I may have  some open accounts with some of these companies, I did NOT authorize the inquiries on the dates shown on 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 2020-01-13 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: GA

Complaint narrative:
This company is refusing to remove inquiries I did NOT authorize. Although I may have  some open accounts with some of these companies, I did NOT authorize the inquiries on the dates shown on 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 2020-01-13 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:
This company is refusing to remove inquiries I did NOT authorize. Although I may have accounts with some of these companies I did NOT authorize inquiries on the dates that are shown on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 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: GA

Complaint narrative:
This company is refusing to remove inquiries I did NOT authorize. Although I may have accounts with some of these companies I did NOT authorize inquiries on the dates that are shown on 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 2020-01-13 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: GA

Complaint narrative:
This company is refusing to remove inquiries I did NOT authorize. Although I may have  accounts with some of these companies I did NOT authorize inquiries on the dates that are shown on 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 2020-01-13 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: NC

Complaint narrative:
After recently discovering my credit had been compromised- AGAIN, I informed this company I have been a victim of Identity Theft 3 times, on the dark web twice, as well as a victim of the Equifax Breach . Someone opened accounts and made inquiries using my information. There were numerous names, SSNs, and addresses used for this purpose. I have been fighting this issue for quite some time. They have removed the majority of names and addresses but still report the accounts and inquiries. 

It is costing me my credit worthiness, as well as business opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Suttell, Hammer & White, P.S
State: WA

Complaint narrative:
On XX/XX/XXXX, the XXXX XXXX Credit   Card/XXXX  and the Suttle and Hammer, P.S. (  collection agency ) at XXXX XXXX, XXXX, WA filed the civil small claim lawsuit against me after I had notified the XXXX XXXX Credit Card on XX/XX/XXXX and again the collection agency on XX/XX/XXXX that I could not pay. The XXXX   XXXX credit card representative made the note of it and that it will not pursued the collection and will not contact me and that my account is closed because I could not afford and could not continue to make the payment after XX/XX/XXXX last payment. It is illegal for the XXXX XXXX and the collection agency to file the lawsuit against me for {$1900.00} after I was told that my account is closed. Also, it is illegal for the collection agency and the XXXX  XXXX Credit Card/XXXX  to contact XXXX XXXX XXXX, Director at U.S. Department of Defense-ManPower Data Center to verify and confirm my U.S. military services information in XX/XX/XXXX, and Mr. XXXX released this data information including my social security numbers to this collection agency on XX/XX/XXXX without my preauthorization or approval consent from me. This violates the HIPAA Policy and the Fourth Amendment of the U.S. Constitution and my human rights and my privacy rights. Please investigate this issue and then let me know. I can be contacted at ( XXXX ) XXXX or by email at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 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: NC

Complaint narrative:
After recently discovering my credit had been compromised- AGAIN, I informed this company I have been a victim of Identity Theft 3 times, on the dark web twice, as well as a victim of the XXXX  Breach . Someone opened accounts and made inquiries using my information. There were numerous names, SSNs, and addresses used for this purpose. I have been fighting this issue for quite some time. They have removed the majority of names and addresses but still report the accounts and inquiries. 

It is costing me my credit worthiness, as well as business opportunities.

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 2020-01-13 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: NC

Complaint narrative:
After recently discovering my credit had been compromised- AGAIN, I informed this company I have been a victim of Identity Theft 3 times, on the dark web twice, as well as a victim of the XXXX  Breach . Someone opened accounts and made inquiries using my information. There were numerous names, SSNs, and addresses used for this purpose. I have been fighting this issue for quite some time. They have removed the majority of names and addresses but still report the accounts and inquiries. 

It is costing me my credit worthiness, as well as business opportunities.

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 2020-01-13 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: CL Holdings LLC
State: MD

Complaint narrative:
I file a dispute with XXXX about this company reporting information that is bogus. JEFFERSON CAPITAL SYST Account XXXX is in my credit report I dont know who they are and I don't owe them anything. They claim on my report XXXX XXXX XXXX is the Original Creditor. XXXX never notify me that they sold my account to anyone and they closed my account as a charge off. If they sold my account this should be remove from credit report. Jefferson is in violation od the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 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: SC

Complaint narrative:
FTC Report # XXXX RE : Identity Theft Dear Equifax Please remove the following accounts listed on my credit report. Ive received the assistance from my attorney, and mortgage loan officer, as well as the FTC and CFPB. This accounts listed are a result of identity theft that account when I was on a tour of duty in the armed forces. I did not open these accounts nor have I benefited from them. I am in the middle of closing on my first home through a VA LOAN, and my bank pull my report and showed me several accounts that I never knew existed. PLEASE REMOVE IMMEDIATELY. XXXX and XXXX   have already removed these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I HAVE BEEN REVIEWING MY CREDIT FILE AND HAD NOTICE SOME ERRORS AND FRAUDULENT ADDRESSES. THE FOLLOWING ADDRESSES ARE NOT MINE. PLEASE REMOVE THE FOLLOWING ADDRESSES THEY ARE INACCURATE : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX THESE NUMBER LISTED BELOW DO NOT BELONG TO ME. PLEASE REMOVE FROM MY CREDIT FILE. : { 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 XXXX XXXX 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 2020-01-13 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: DISCOVER BANK
State: AL

Complaint narrative:
I have an account reporting on my credit report from Discover Bank that I did not apply for. In fact, I was not even in the country when this account was supposedly applied for and used. 

XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX Closing Statement card XXXX. XX/XX/XXXX Adjustment Purchases. CREDIT $ XXXX XXXX Payment $ XXXX Finance Refund $ XXXX $ XXXX TOTAL CREDITS APPLIED $ XXXX ALL COME FROM MERCHANTS AND ME MERCHANTS CREDITS TURN INTO NEW CHARGES XX/XX/XXXX {$190.00} USAA BEGAN FRAUD INVESTIGATIONS XX/XX/XXXX for {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX These purchase dates are XX/XX/XXXX Why did USAA DELAY FRAUD INVESTIGATION 9 MONTHS? These purchases were reported Unauthorized XX/XX/XXXX. USAA LEFT ME LIABLE FOR UNAUTHORIZED CHARGES OF XX/XX/XXXX Then charged them again as New Purchases??????? USAA IS THE CROOK This has been reported ID THEFT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
Upon pulling my credit report I noticed Toyota Financial Services listed which is inaccurate. I requested the debt to be investigated on XX/XX/XXXX and received a prompt response on XX/XX/XXXX only stating " we have researched our records and have determined that the information is correct '' with no proof of the debt. On XX/XX/XXXX, I sent another letter to requesting more information on how this was researched with no response. On XX/XX/XXXX, I sent another request for the information never received from my XX/XX/XXXX request with no response again. At this point this inaccurate debt should be removed from my report immediately as this has been a hardship on myself and my family. Please assist. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TAYLOR MORRISON HOME FUNDING, INC.
State: TX

Complaint narrative:
This is our first home and when we visited the XXXX XXXX ( XXXX ) model home we were shared information about their upcoming community Smooth stream at the time of the sale we were told by the sales person that this is part of XXXX XXXX XXXX. On XX/XX/XXXX we were shared a governing document which we signed and send it back and we also gave {$49000.00} check as earnest money deposit under the impression that we were purchasing a home in The XXXX city. On XX/XX/XXXX we signed the pre contract document. In all of the documents the city information was used as XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. The closing date for this property was shared with us XX/XX/XXXX. 
We decided to go with builders lender XXXX XXXX XXXX XXXX funding as part of sales agreement being a first-time home buyer after receiving the appraisal report we had the option to decide whether we should proceed with the purchase of this property or not. We were given an appraisal report with the valuation of home being at {$600000.00}. On XX/XX/XXXX I signed the appraisal acknowledgement report and sent it back to the lender. The closing date was pushed to XX/XX/XXXX due to the property not being ready for closing. The closing for this property happened on XX/XX/XXXX title company was XXXX XXXX XXXX company. In all the loan and closing document the address for this property was used as XXXX XXXX XXXX XXXX The XXXX TX XXXX with the city information being XXXX XXXX. After closing at the time of transferring the utility service we found out that this property is actually located in XXXX but since the USPS uses zip code for mailing information the builder and lender used XXXX XXXX as city information. This property is located in XXXX XXXX township not the city when I tried to solve this with the builder and asked them to address this issue they refused and pointed me to the governing document. When I asked them to show me document with signature showing that we agreed to the fact that although this property is located in XXXX but we agreed to use XXXX XXXX as city information. 
We were trying to cope with the fact that we were cheated by deceptive tactics used by the builder and lender. The worst was yet to come we tried to re-finance this property on XX/XX/XXXX and on XX/XX/XXXX an appraisal was performed by XXXX XXXX and this property was appraised to the value of {$500000.00}. The builder and lender not only used deceptive techniques to sell us a property making it look like it is located it The XXXX XXXX and appraised the property to inflate the value of home higher than the actual value and being a first time home owner not giving us an opportunity to back out at the time of first appraisal performed for this property before closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I HAVE BEEN REVIEWING MY CREDIT FILE AND HAD NOTICE SOME ERRORS AND FRAUDULENT ADDRESSES. THE FOLLOWING ADDRESSES ARE NOT MINE. PLEASE REMOVE THE FOLLOWING ADDRESSES THEY ARE INACCURATE : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX THESE NUMBER LISTED BELOW DO NOT BELONG TO ME. PLEASE REMOVE FROM MY CREDIT FILE. : { 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I HAVE BEEN REVIEWING MY CREDIT FILE AND HAD NOTICE SOME ERRORS AND FRAUDULENT ADDRESSES. THE FOLLOWING ADDRESSES ARE NOT MINE. PLEASE REMOVE THE FOLLOWING ADDRESSES THEY ARE INACCURATE : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX THESE NUMBER LISTED BELOW DO NOT BELONG TO ME. PLEASE REMOVE FROM MY CREDIT FILE. : { 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 XXXX XXXX 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 2020-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/XXXX I applied to renew my PA XXXX license in which I was denied due to bank of america reporting to XXXX that my account as " abuse ''. As a direct result I am unable to open a new bank, new line of credit or renew my XXXX license as stated. Prior to me switching banks I opened a request to investigate a payloan who debited me multiple times until they were successful to get the money which threw my entire account off. Multiple representatives told me there is no way to stop them once they have my account number and routing number. Upon researching online I noticed bank of america has come up more than any other bank with this process tarnishing millions of consumers. On XX/XX/XXXX, I requested information from Bank Of America about this via certified mail with no response after 35 days. This should be removed immediately.

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 2020-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North Shore Agency, LLC
State: NY

Complaint narrative:
I received an unsolicited health information letter from the University XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX in XX/XX/XXXX. I did not read the letter. I did not complete a questionnaire. I did not sign anything. I did not check any boxes. I threw the letter into the trash as I do all unsolicited mail. Now, XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX NY XXXX, a collection agency, is demanding payment for {$16.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Knight Adjustment Bureau
State: UT

Complaint narrative:
knight adjustment bureau of XXXX Utah levied my bank account no notice no warning no documents telling me what for don't know total amount or what the debt is for i don't know total amount!!! my bank has no idea what its for or the amount all i know at this point is KNIGHT ADJUSTMENT NEEDS TO HAVE A FEDERAL AUDIT DONE ASAP i will be following this investigation and contacting every state and federal agency i have too the media as well if nothing is done

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Upon pulling my credit report I noticed Ally listed which is inaccurate. I requested the debt to be investigated on XX/XX/XXXX and received a prompt response on XX/XX/XXXX only stating " we have researched our records and have determined that the information is correct '' with a bill of sale no proof of the debt. On XX/XX/XXXX, I sent another letter to requesting more information on how this was researched and to please forward all correspondence to me directly about this debt with no response within their 30 day response time frame.

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 2020-01-13 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: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
Back on XX/XX/2019 I paid off a debt from XXXX XXXX through CCS. After making payment I asked for a receipt and was told I had to wait about 12 days to obtain a receipt offline. I called CCS multiple times and have requested a receipt and it is now XXXX and no receipt of payment has been received. I had one of their representatives walk me through how to get a paid in full document offline and there were issues with their website site missing tabs that were supposed to allow me to print the document I needed to get in order to send to each credit bureau to have the account removed. I have called this company more than 5 times at this point and have been getting the same story and was told by a supervisor that the document I need would be in the mail ( this conversation took place on XX/XX/2019 ). Now I'm still waiting and no one has been any help. My file number is XXXX with this company.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation