vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-21 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:
I received my credit report and became aware that there are XXXX fraudulent hard inquiries on my credit report. I did not apply for anything. There is no way possible I should have any hard inquires when the law states that they should only remain on a persons report for only 2 years, this inaccurate information is hindering my credit report. 

XXXXXXXX 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 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I submitted a certified dispute letter to XXXX Credit Bureau, Transunion and XXXX. The letters were confirmed received on the following dates to XXXX on XX/XX/2021, Transunion on XX/XX/2021, and XXXX on XX/XX/2021. I received an email as well as a letter that my dispute has been resolved in regards to bankruptcy on my report and has been verified as accurate via XXXX XXXX. I contacted the bankruptcy court via certified letter that they received on XX/XX/2021 and they stated via a response letter that they do not verify any information with 3rd parties. With that being the case there is no way that this could have been verified and I would like to have it 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 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I submitted a certified dispute letter to Equifax Credit Bureau, XXXX and XXXX. The letters were confirmed received on the following dates to XXXX on XX/XX/2021, XXXX on XX/XX/2021, and Equifax on XX/XX/2021. I received an email as well as a letter that my dispute has been resolved in regards to bankruptcy on my report and has been verified as accurate via XXXX XXXX. I contacted the bankruptcy court via certified letter that they received on XX/XX/2021 and they stated via a response letter that they do not verify any information with XXXX parties. With that being the case there is no way that this could have been verified and I would like to have it removed.

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: AL

Complaint narrative:
Hi I am coming to you to talk about an account listed under my name and social that I noticed is not mine. I have sent several letters to the company and credit reporting agencies. There seems to be a confusion on the accounts being association to me and I do not take responsibility for something that is not mine. I have contacted via certified mail XXXX, Experian, and XXXX 5 different times. It is my understanding that per 15 USC 1692 ( g ) Validation of Debts that only way an account can be validated is by speaking with me not a 3rd party company.

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: 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: DISCOVER BANK
State: GA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my XXXX consumer report and I noticed some late payments posted on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 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: CITIBANK, N.A.

Complaint narrative:
I had to file a Consumer Proposal ( Orderly Payment of Debt ) under the bankruptcy act here in XXXX. When I did that, 5 credit cards opened fraudulently in my name. 2 from XXXX XXXX, 2 from Citibank, and 1 from XXXX totaling {$25000.00}. When I saw all that the Consumer Proposal was paying out ( from my credit report ), I realized that these were not mine- I never opened them, I never used them. I contacted the banks immediately, asked for the application - I was ignored. I reported them to : https : //www.identitytheft.gov/ and have been following their program with the letter templates they provide- I was ignored. My Consumer Proposal paid for them already. They don't care that I have paid {$25000.00} that I should not have had to. But they won't respond to me at all. I am the victim of a crime, and no one seems to care. I don't know what to do. Identify Theft listed this as the next step.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP
State: AL

Complaint narrative:
Hi I am coming to you to talk about an account listed under my name and social that I noticed is not mine. I have sent several letters to the company and credit reporting agencies. There seems to be a confusion on the accounts being association to me and I do not take responsibility for something that is not mine. I have contacted via certified mail US BANK XXXX, XXXX, and XXXX XXXX different times. It is my understanding that per 15 USC 1692 ( g ) Validation of Debts that only way an account can be validated is by speaking with me not a 3rd party company.

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: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a high credit score. I have debt. When I asked my own XXXX XXXX for a mortgage loan they refused stating TRANSUNION said I have a XXXX score AND credit limits are too high, AND length of time accounts have been established. I have had all my accounts for over 10 YEARS. I have ZERO debt. TRANSUNION is FALSLY reporting on people so they HAVE TO call them to find out why they are making false reports ; when you call its so they REPEATEDLY try to sell you " extra protection and monitoring ''!!!! No other reason and they do NOT correct anything. This is UNLAWFUL and they should be shut down and sued.

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: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: VA

Complaint narrative:
In XX/XX/XXXX, my husband was determined at XXXX XXXX XXXX XXXX XXXX  XXXX effective XX/XX/XXXX. We submitted required documents to our County tax office and were determined to qualify for 100 % personal and real estate property tax relief. All documentation was submitted to Caliber Mortgage company in XXXX, and then again in XXXX after it was reportedly no received. Finally after no relief, we requested a current escrow analysis, ( the open ticket request for resolve had been closed ). We received a XX/XX/XXXX escrow analysis still purporting that we have a responsibility to our local county taxes, when in fact we do not. We continue to pay in excess of what our mortgage amount should be each month, and for several months now, Caliber has refused to correct the accounting. Caliber was provided this information originally on XX/XX/XXXX, again on XX/XX/XXXX, a formal request for escrow analysis was ticketed on XX/XX/XXXX XXXX another ticket was created on XX/XX/XXXX requesting resolve. An email was sent to area managers, requesting resolve on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/XXXX I visited the XXXX CT Bank of America branch to close a joint checking account with myself and my father XXXX XXXX XXXX, who passed away on XX/XX/XXXX on it. Estate Services of BOA has all the required paperwork to allow me to close this account as it was needed for me to access the safe deposit box ( i.e. the death certificate ). A note was on the XXXX door to visit the XXXX location which I did, to find XXXX closed as well and note stating to visit XXXX XXXX which was also physically closed as was the XXXX location. I then called Estate Services and they agreed to close the account but said a check would be cut on XX/XX/XXXX and be mailed on that date and to allow 7 days for it to arrive at my home in XXXX. I have not received the check as of today XX/XX/XXXX. 

I called today ( XX/XX/XXXX ) and waited XXXX minutes before speaking with XXXX in Estate Services who went to research what was happening on the account before we got disconnected. He never called me back as I learned that BOA does not have the ability to have their customer service representatives to call out. What type of customer service it that? They expect their customers to call them back hence the incredible long wait times! I called back to learn this and waited longer than XXXX minutes the 2nd time and also tried on-line chat! I can prove this to you if needed. There has not been one time when my wait time is less than XXXX minutes - not one! This time the representative, XXXX was rude and insensitive. She refused to look to see if the check was cut and told me I misunderstood what I was told, that it was a solo account and that Estate Services would not have handled it and that I needed Customer Services and she transferred me somewhere where I got stuck in a phone loop for mobile banking! I got out where I left my phone number for a return call and about an hour later I got a return call and believe it or not the representative that called told me to close the account I needed Estate Services!!!! I knew this as Estate Services on XX/XX/XXXX told me they were going to cut the check and would have it done on XXXX. Where is my check!!!!! I told this representative not to send me back to Estate Services based on the fact that XXXX was rude and had sent me to a phone loop and I had already tried twice today, wasted too much time and that they do not call someone back when they are disconnected. The representative agreed they do not have the ability to call a customer back, they only can receive calls and agreed this is not the best customer service they can provide and expressed sympathy for my loss. I give up with BOA, they have my money and don't seem to want to give it to me. I need your help.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I received my credit report and became aware that there are 9 fraudulent hard inquiries on my credit report. I did not apply for anything. There is no way possible I should have any hard inquires when the law states that they should only remain on a persons report for only 2 years, this inaccurate information is hindering my credit report. 

XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/202XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/2022

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: Navient Solutions, LLC.
State: GA

Complaint narrative:
I filed a dispute with XXXX about incorrect information on credit report. Navient has indicated that I missed five payments in a row ( XX/XX/XXXX through XX/XX/XXXX ). When I contacted Navient on XX/XX/XXXX about the discrepancy, they refused to make any changes. I explained that I was told by a Navient rep that my account would be put in forbearance, but that is not what happened. I ended up getting my account flagged as missed payments. I asked for them to pull call records which they were not able to produce. I also filtered through my email and have no communication about missed payments. Not even a certified letter was sent. The loan has been paid in full since last year, but is negatively impacting my credit score due to their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Inaccurate Information is being reported. My information was impacted by the XXXX data breach and may have got into the hands of the wrong person. I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
The bank I am filing a complaint against is Chase Bank. 

I opened a checking account in early XXXX to setup and capitalize on a promo they had with new checking accounts. All of a sudden ALL my accounts were locked and I was unable to access any of them. I call to find out what happened and they told me it was flagged for fraud and they closed my checking account. I was fine with that, I can open one in person if I needed to. THE ISSUE is I can not access ANY of my accounts anymore cause of the fraud lock. I have called them MULTIPLE times over the last couple weeks and get transferred around multiple times waiting on hold for over 45 minutes each time. XXXX XXXX XXXX  XXXX. They need to hire more people or have other options of fixing this & at least tell me how. I've wasted countless hours on hold for these idiots till my cell phone dies or I just have to go cause I have a family to attend to. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I provided documentation from the court and XXXX stating that the bankruptcy ( s ) has been removed. The credit agencies states it gets their public record information from the court and XXXX. Ok if that's the case why is the bankruptcy still reporting on my credit file when I have sent proof showing that the bankruptcy ( s ) been removed from XXXX and the court does not provide the credit agencies information about bankruptcy ( s )? Also inaccuracies with accounts. The date of last active showing different dates when the accounts should show the same dates with each credit agencies. The FCRA says XXXX accuracy not XXXX or 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 non-monetary relief
Consumer complaint received 2022-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC
State: NV

Complaint narrative:
Inaccurate Information being reported. My information was impacted by the XXXX data breach and may have got into the hands of the wrong person. I am a victim of identity theft.

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 — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I open a dispute with Experian after I had my chapter XXXX public records remove from XXXX XXXX report every time i dispute Experian say the information has been verified on XX/XX/2022 i reached out to Experian because i got a alert that says dispute was completed. I call and talk to a dispute rep and they verified that the information showed it was correct i sent in a report from XXXX XXXX showing the accounts was removed and Experian verified that from the document i sent over Experian has violated my fair credit rights because they refused to remove the public record that was report by 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 2022-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I deposited my inheritance check from grandparents death on XXXX into my Capital One checking account. 
The funds were withdrawn from Chase on the XXXX. 
I got returned payment notices on the XXXX, called Capitalone, & XXXX they lied, & said XXXX would not release funds ... .then they finally told me that a supervisor, who they would not name, put a hold on my check until XXXX

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 status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I provided documentation from the court and XXXX stating that the bankruptcy ( s ) has been removed. The credit agencies states it gets their public record information from the court and XXXX. Ok if that's the case why is the bankruptcy still reporting on my credit file when I have sent proof showing that the bankruptcy ( s ) been removed from XXXX and the court does not provide the credit agencies information about bankruptcy ( s )? Also inaccuracies with accounts. The date of last active showing different dates when the accounts should show the same dates with each credit agencies. The FCRA says XXXX accuracy not XXXX or XXXX.

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 status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I provided documentation from the court and XXXX stating that the bankruptcy ( s ) has been removed. The credit agencies states it gets their public record information from the court and XXXX. Ok if that's the case why is the bankruptcy still reporting on my credit file when I have sent proof showing that the bankruptcy ( s ) been removed from XXXX and the court does not provide the credit agencies information about bankruptcy ( s )? Also inaccuracies with accounts. The date of last active showing different dates when the accounts should show the same dates with each credit agencies. The FCRA says XXXX accuracy not XXXX or 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 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I filed a dispute with Experian about incorrect information on credit report. XXXX has indicated that I missed five payments in a row ( XX/XX/XXXX through XX/XX/XXXX ). When I contacted XXXX on XX/XX/XXXX about the discrepancy, they refused to make any changes. I explained that I was told by a XXXX rep that my account would be put in forbearance, but that is not what happened. I ended up getting my account flagged as missed payments. I asked for them to pull call records which they were not able to produce. I also filtered through my email and have no communication about missed payments. Not even a certified letter was sent. The loan has been paid in full since last year, but is negatively impacting my credit score due to their error.

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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was reported late 90 days for months of XXXX XXXX, XXXX XXXX and XXXX. We tried to explain the work situation due to the pandemic however the company did not take any actions even after it was disputed through the credit bureau. We have always kept a good standing with Capital one but during COVID 19 every other company differed the payment or offered some sort of forbearance. We have payed the credit card of and request that Capital One remove these late reports to credit bureaus.

Company response to consumer: Closed with non-monetary relief