vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have tried to contact XXXX  XXXX and Trans Union regarding old car loans that are eight years old and over and another one thats almost 6 years old almost 7 that are no longer open with credit acceptance. None of these agencies have bothered to close the accounts I have contacted them multiple times as well. Consequently I can not do anything and my credit score is abysmal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have tried to contact XXXX  Experian and XXXX XXXX regarding old car loans that are eight years old and over and another one thats almost 6 years old almost 7 that are no longer open with credit acceptance. None of these agencies have bothered to close the accounts I have contacted them multiple times as well. Consequently I can not do anything and my credit score is abysmal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that if failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days from my initial dispute, so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cost me. My information was also impacted by the Equifax data breach and may have got into the wrong hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that if failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days since my initial dispute so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cost me. My information was also impacted by the XXXX data breach and may have got into the wrong hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax is requiring me to mail confidential documents to their headquarters to receive my credit report, but is not paying for my postage. So obtaining my credit report is NOT free as dictated by federal law. I would like to receive a free copy of my credit report that does not involve me spending money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
To whom it may concern, I currently have a complain regarding the collection agency named Midland Funding LLC. XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX CA XXXX. I noticed on XX/XX/20 that I got garnishment due to my 7+ years old debt. Based on Fair Debt Collection Practices Act this account should have been deceased. Also I was never handed a lawsuit paper regarding this garnishment. The total garnishment so far was {$570.00}. I believe this is against the law to get garnished without handing you a summon. Thank you in advance for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 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: AR

Complaint narrative:
Transunion had problems on reporting inquires being on someone's report without connecting them.Then they would delete it and reinsert back onto the credit report without a 5 day 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 2020-12-25 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
long story make it short start from XX/XX/2020 Bank of America in XXXX XXXX Iowa has taken my money,!!! Suddenly I checked my account to see if my money was in it yet the receipt said I owe like XXXX negative I freaked called them right away they say this is not there problem call iowa work force they the one that did it I have my unemployment money for all this time everytime my unemployment goes in it gone I file my unemployment for nothing I don't know what to do I need my money they tell me it's gon na get fixed and never did if talked to many people no one has yet fixes my account I'm homeless in the streets now this needs handled please!! Sincerely 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 2020-12-25 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: TX

Complaint narrative:
RE : TransUnion Refusing to Update My Address Dear Representative, I requested my credit report using the annual credit report request form all three of the credit reporting agencies. 
When I received my report from Trans Union to my new address they notified me that they were updating my address as requested. They will continue to report my old address in the file. 
I thought this was my file and the information in it was reported by my creditors and all of them have my current address on file, but Trans Union is refusing to update it accordingly, but this type of miss-behavior is a recurring theme with them. 
It is clear that TransUnion is formatting my credit file in a way to mislead my creditors and those third party that use the information in my consumer file A leap forward should be the honest and accurate entry of information in my credit file which they have failed to fulfill. 
I look forward to your reply and assistance on this matter. 
Sincerely, 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 2020-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wromng person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 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: CA

Complaint narrative:
In XXXX of 2020 XXXX XXXX XXXX XXXX closed my account because I wouldn't physically go to the Post Office and mail my ID. So now I come to current time they run my credit I agreed to let them open one of my credit cards was it had to do with them so I agree to let them reopen one that they had closed the one I let them reopen was the one with the lower credit limit, so they send me my credit card I'm going my son pay my bill on time everything 's going fine I checked my credit report and they're reporting the wrong card the reporting the car that they still closed in every open and is the one with the higher credit limit they're reporting it I don't have that account when I log into my online account the credit card is on there is a credit card that I have but they have been reporting the wrong account for like eight months and they won't fix it. It is exactly like the XXXX lawsuit going on. It's been eight months I've I complain to them a complaint to the credit bureau I talk to a lawyer they will not remove the wrong account earlier this year that account was closed due to no fault of mine and somehow they are mistakenly reporting the wrong account on my credit reports all three of them and they have been doing for 4 months and they will not fix it so now I'm a credit report it says something like for charge-offs is reporting that I'm not paying every month when that is not even the card that I have and they refuse to fix it. I filed multiple complaints with you guys and that's the only reason why they fix the first mistake and let me open the account back

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank of America has several options for setting up autopay for your credit card. I selected to have the amount due paid each month 5 days before it was due. After several months I noticed I was being charged interest. Upon further research I discovered that amount due is actually the same as minimum amount due which is another option they provide. This is incredibly misleading and irresponsible by Bank of America. My research online revealed that many people have had this happen to them.

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 monetary relief
Consumer complaint received 2020-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wromng person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wromng person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 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: CT

Complaint narrative:
Last week up of the month of XXXX To make a withdrawal ATM machine Chase Bank froze my account I call them. I was told There was unauthorised use of my account. I was asked to identify myself up which I gave that information. The representative of Chase Bank in for me that Theme surance company that I was using was not that may be a scan. I called insurance company confirmed it was not a scam. But they had Made some changes to their identity. In doing so Chase Bank refunded me 3 months instalment on my insurance instead they would post an investigation to look into it. Now Chase Bank wants me to refund that 3 months payment back to them. To me it appears that Chase Bank is scamming me, I am requesting investigation of this. XXXX XXXX versus Chase Bank. I would like to form to be sent to me to file this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 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: PENTAGON FEDERAL CREDIT UNION
State: MO

Complaint narrative:
I send few weeks back bank statement it shows PFCU received/adjusted the payment for the disputed credit cards but PFCU never took any action about my request. PFCU sold the disputed accounts to XXXX  even after they got the payment. So PFCU should contact XXXX  and remove those accounts from my name.

Those disputed credit cards was used some one else without my knowledge and i was reported fraudulent activities to PFCU and submitted ID theft documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On various occasion I have initiated a dispute with the credit bureau Equifax regarding some unverified accounts on my credit report. The credit bureau has failed to complete the investigation and furnish me with the results of that investigation. 

I have provided all the necessary documents to the credit bureau for them to accurately dispute the listed accounts. I am now demanding that they comply with my initial dispute letter. 

The only correspondence I keep receiving from the original creditors listed on my credit report is that they can not find an account listed under my name and I am asking that they remove the accounts that can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I was asked to be a cosigner but I wasnt aware that XXXX was going to do more than one hard pull on my credit. As you can see Ive been working extremely hard to build my credit during this pandemic to get help with buying me and my kids a home since I recieved a eviction notice. This has put me 2 steps backwards if I had known these hard inquiries would effect my score and it was more than one company checking my credit I wouldnt have volunteered. I am in a crisis and need help with remove these hard inquiries asap please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I called Transunion on or about XX/XX/2020 to dispute an item as duplicative on my credit report ; however, it was difficult getting the telephone rep to place the dispute due to a language barrier, and the tech was argumentative and inattentive. I just received the dispute results this XXXX, and was shocked to discover the wrong item was disputed. The dispute was for a student loan amount that a mortgage company stated was duplicative. The item disputed was {$170000.00}, but Transunion disputed an item in the amount of {$17000.00}. This is an egregious mistake to make when disputes are often not allowed to be resubmitted. Consumers depend on credit bureaus to keep their credit records secure and correct and to properly investigate disputes because credit issues dictate their lives. This is unacceptable and is not surprising, as Transunion has a track record of receiving and not removing inaccurate information from consumers ' credit reports -- collects trash.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
It says I owe XXXX XXXX XXXX {$620.00} dollars. I never opened an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX coast to coast for extended periods of time. I am reliant on autopay for 3 other credit cards, utility bills, and 2 auto loan payments. The only problem I have ever experienced with autopay in 35+ years of consumerism is with my Verizon Visa Card by Synchrony Bank XXXX When I 1st received the card I activated it and set up autopay from my bank debit card like I do for all my financial accounts. After 2-3 months I became aware by logging into my account that my autopay wasn't working. I called Verizon Card and paid the balance. During this call I set up autopay directly through my checking account. Now 2-3 months after I find my autopay is still not active. I have talked to the call center and they tell me I never set up autopay. Then they stated autopay is subject to approval by Verizon Card. They are very condescending. They talk over the customer with corporate rhettoric. They scold the customer after backing them into a corner with their lack of business ethic. After insulting the call center worker they told me the late charge will not be waived. I don't have the time for this. My life revolves around my career so I'm able to pay bills. Not jumping through hoops for my Verizon Card and the entertainment of Synchrony Bank call center workers.

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 monetary relief