vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-19 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: IN

Complaint narrative:
I'm a victim of Identity Theft from Data Breaches with XXXX  XXXX and XXXX. My SSN was hacked and stolen and used for Unemployment Benefits in Kentucky. I also have open actual factual inaccuracies within my credit report. I have 5 accounts that are reporting inaccurate late payments i would like these late payments removed immediately from the following accounts and updated across all 3 credit bureaus as a result of 15 USC 1681 ( b ) Permissible Purpose and falsely reporting inaccurate information, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I would like the following 3 charge off accounts deleted across all 3 credit bureaus for Inaccuracies, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX. 

I would like the following 2 collection accounts deleted immediately from all XXXX credit bureaus for inaccurate Date of Last Activity, XXXX  XXXXXXXX XXXX XXXX XXXX XXXX 

The following inquiries are to be deleted immediately as I didn't authorize this, XXXX XXXX XXXX XXXX XX/XX/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 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 non-monetary relief
Consumer complaint received 2022-08-19 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: TX

Complaint narrative:
This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to AGGRAVATED IDENTITY THEFT pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( " FCRA '' ) codified at 15 U.S.C. 1681b ( a ) 3 ( f ) ( i ). 
Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. XXXX  ) I have not initiated any transaction with the following companies : 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 XXXXXXXX XXXX XXXX. XXXX XXXX Furthermore, i do not have an " account '' as defined under 15 U.S.C. 1693a ( 2 ) with COMPANIES listed above for review or collection.

Pursuant to 15 U.S.C 1681n ( a ) " Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. '' By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are far greater than {$1000.00}. 
Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx 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 2022-08-19 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am a natural person ; I am a living Human Being. I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. any they violated my rights numerous times. I demand the account listed below be removed because, According to 15 USC 1681 : I have a right to privacy and did not give Equifax written permission to furnish this account. 

Account : XXXX XXXX secured Credit Card open date XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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: NC

Complaint narrative:
My credit report from Trans union XXXX XXXX and XXXX shoe accounts that I never applied for and inquires I never applied for it has banks, car loans. Credit cards that I have no knowledge of also XXXX XXXX  said my social security number has been compromised on the XXXX web

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 2022-08-19 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: GA

Complaint narrative:
I am a victim of job fraud. I applied for a job on the job posting called XXXX for a " Receptionist '' at XXXX XXXX XXXX. On XX/XX/XXXX, the job listing texted me a interview questionnaire to complete with a series of questions and information on my job capabilities and job task/requirements/benefits. I completed the interview questionnaire and received a confirmation that I had got the job on XXXX XXXXXX/XX/XXXX at XXXX. They sent me the link to their official website and explained to me procedures and task to get started. They said that in order for me to get the work at home equipment, that they would send me a cashier check through XXXX tracking system and I were to purchase their equipment from one of their 107 affiliate vendors. On XX/XX/XXXX, I received the cashier 's check and was told to deposit the check for the work at home equipment. I went to my bank and deposited the check. I walked out and my mom called. I told her what I was doing and she explained that these are red flags for job listing. I looked up on XXXX " job fraud signs '' and one of signs was cashier check. I called my bank XXXX immediately after I deposited the check and explained to them that I am a victim of job fraud and I believe the check is fraud as well. They said okay and that the would let their check department know. 2 days later after the incident and I took a look at my account ; it was closed with out any notification from the bank.

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 2022-08-19 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: NV

Complaint narrative:
Hello my name is XXXX XXXX, I am contacting you in regards to the activity on my credit report that I am having issues with. In regards to these particular Creditors being pain in full and taking money from me through the IRS. After being completely removed and free of debt, The creditor or hacker has [ placed the debt back on my accounts after a data breach and I have been trying to get it disputed, I dont know how they lost my data but this has been paid and you can see that it says paid in full but it doesnt explain why the money is back revolving. Which you can say has crashed my credit score from 730 to below 500. I am also not able to see the right payment transactions or even their association with XXXX XXXX which has been used to disregard and they have gone through a data breach as well. This will be my second Attempt to ask them to take this down. When I am contacting these companies they are not giving me a direct answer or being fair like I never paid these off. 

This is most recent disputes. 



XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Account number : XXXX Dispute requested XX/XX/XXXX XXXX through Experian Report # XXXX Reason and statement : Paid in full. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX ( XXXX ) XXXX Account number # Dispute requested on XX/XX/XXXX through Experian Report number # Estimated date of resolution XX/XX/XXXX Reason and Statement : The car that was financed by I, XXXX XXXX, was obtained by the dealer and should be seen as collateral. In compliance to the balance, there should be none. 




XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX, Va XXXX ( XXXX ) XXXX Account number # XXXX Dispute requested XX/XX/XXXX through Experian @ XXXX Report number # Estimated date of resolution XX/XX/XXXX Reason and Statement : Account was paid in full by I, XXXX XXXX XXXX XXXX of XXXX. 



XXXX  accounts XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX Account number : XXXX Balance : {$1600.00} Dispute requested XX/XX/XXXX through Experian XXXX XXXX Estimated resolution date : XXXX XXXX, XXXX Reason and Statement : Account was closed in XXXX, resolved through claims court in XXXX, Ca I also now have things on my account saying I have a mortgage. When I do not own a house. Now as I check my accounts through Experian, I noticed that XXXX and XXXX have the accounts closed on the other side but they say otherwise they should say paid in full or settled in court.

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 2022-08-19 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: KS

Complaint narrative:
On XX/XX/XXXX both my spouse and I received negative remarks on our separate credit scores reported by Transunion. We see it as no coincidence that both of our credit reports by Transunion dropped exactly by 34 points and both of our accounts state there is a remark on our individual XXXX XXXX accounts. I contacted XXXX XXXX and my accounts are all in good standing and there are no remarks. I then contacted Transunion and was informed of a public record that has been reported since XXXX in which I have worked very hard at repairing my credit. 2 days prior to this drop I had an increase in my score for exactly 34 points after filling disputes. I have done nothing nor has my spouse for there to be any change but maybe an increase due to on time payments and above the minimum amount. Transunion is falsifying information and destroying two different peoples credit with the exact same -34 points and for a false reported remark from the exact creditor. We do not share accounts or any finances. Please look into this.

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 2022-08-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
In XXXX ( Attorney XXXX XXXX letter ) and XXXX ( Authorization ) we submitted two signed third party authorizations, from borrower XXXX XXXX twice and their own call records show XXXX XXXX called Shellpoint and the Bank XXXXXXXX XXXX XXXX XXXXXXXX, requesting they provide me with a pay of borrower XXXX XXXX 's loan. They refused to do so but their attorney 's XXXX XXXX and XXXX XXXX lied to two court, XXXX to federal bankruptcy XXXX that we could go across the street and get a mortgage, which I could not because they refused to give us a payoff, and XXXX XXXX stating a payoff could not be provided because he had to protect his client, XXXX XXXX 's privacy, when in fact XXXX was fully aware his client XXXX  had two authorizations and neither his firm nor XXXXXXXX XXXX XXXX did not represent the new master servicer Bank of America. I spoke to Bank of America who advised me that both authorizations I submitted in XXXX ( Attorney XXXX XXXX letter ) and XXXX ( Authorization ) from borrower XXXX XXXX were sufficient for XXXX  to have provided me a payoff letter. The new law firm in a letter dated XX/XX/XXXX, from XXXX XXXX XXXX, Managing Member XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attorneys at Law, representing Bank of America responded to my complaint # XXXX, by falsely stating I had stated that I had never gotten a copy of the foreclosure judgment, which was a lie, as I had never stated that. Further he NEVER offered to provide me with a authorization for his client Bank of America, who in fact provided me their payoff authorization for borrower XXXX XXXX to sign earlier this week. This is a continuing violation of federal law and FDCPA.

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 2022-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
on reviewing my reports, there are still incorrect information found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XX/XX/XXXX and XX/XX/XXXX was XXXX,, but no response was ever received from them today date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports that need to be corrected and removed in my file immediately : { Account # XXXXXXX= XXXX XXXX XXXX XXXX  and XXXX XXXXXXXX.

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 2022-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XXXX XXXX I call the Bank of America fault department to freeze my checking account because I found there are many unrecognized transaction that I found. The following day XXXX XXXX i went to Bank of America branch at XXXX, NY to report this incident, I've been successfully dispute most of the charges, however there are three counter withdrawn ( {$5000.00}, {$5000.00}, and {$9000.00} ) still under investigation, i was initially told they will refund it within 30 business days, then about a month later when i call check fault department they told me 30-45 business days, so i waited. Into the month of XXXX when I call again the customer service person told me it will take 60 business day. Finally when I call on again XXXX XXXX to confirm if fault department receive my email which sent on XXXX XXXX, in the end I was told the check fault will take 60-90 business days. To whom may concern ; please help me anyway you can.

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 2022-08-19 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: Medical Data Systems, Inc.
State: NC

Complaint narrative:
My credit report from XXXX XXXX XXXX XXXX and XXXX shoe accounts that I never applied for and inquires I never applied for it has banks, car loans. Credit cards that I have no knowledge of also XXXX XXXX said my social security number has been compromised on the XXXX web

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 2022-08-19 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: NC

Complaint narrative:
My credit report from XXXX XXXX XXXX XXXX and equifax shoe accounts that I never applied for and inquires I never applied for it has banks, car loans. Credit cards that I have no knowledge of also XXXX XXXX  said my social security number has been compromised on the XXXX  web

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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: FL

Complaint narrative:
I XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.

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 2022-08-19 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: FL

Complaint narrative:
Recently went to the car dealership to LOOK for a new car and without my permission, my credit was ran a ridiculous amount of times to a few companies. the date was XX/XX/XXXX that the Hard Inquiries were added. It was added from XXXX different places. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I was told Wednesday my funds would be available to me within 48 hours and it hasnt and now theyre holding my funds XXXX and I can not compete my clients projects because if this. I want my funds released at once so I can withdraw them!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credova Holdings Inc
State: TX

Complaint narrative:
Date Opened : XX/XX/2022 ( during pandemic ) credit balance of {$6600.00}. 
The first attempt making an special appearance to understand what information was assumed to be. In an attempt to collect a debt credova financial services, authenticated a mortgage using my identity. identity theft is a crime and is reported. violated my personal identity 18 u.s.c1028.4 identity theft 15 u.s.c 1681 a obtaining persons information to file a consumer report as an estate or subdivision agency or government agent. Fraud of information whoever knowing and process identification authentication or false defraud using electronic signatures. I see XXXX XXXX XXXX standing by including to XXXX XXXX XXXX in this collection. A financial interest, a report was pulled under false pretence which is identity theft. This is a claim and debt under mortgage. I have the right to due process. Delete terminate and remove immediately. Please remove. A loyal patron.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
For a year now, I have not had transactions consistently post on my credit card account and can't view or track purchases in real time. I have reached out to Apple Card 's support regarding this, with each attempt eventually ending in them quietly ceasing followup to the issue. This response is unacceptable, as being unable to view some transactions in real time both makes it difficult to track spending and also to identify a potentially fraudulent transaction. 

I previously opened complaint ID XXXX regarding this issue after losing count of the attempts to get Apple Card to take this seriously, only for them to call once or twice and then request that the complaint be closed with a promise to follow up with me to resolve the issue. It was inappropriate to close the request because the issue was not resolved, and Apple Card support has made no attempt to reach out and resolve the issue since closing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have tried to get a pre approval for a mortgage about 2 years ago and they are unable to pull my equifax credit score, but they were able to pull both XXXX and XXXX. 

same thing happened when i tried to open a banking account with XXXX. 

last year when i was trying to get a car it happened again. they could not pull my equifax credit score. I also can't view it on any credit checking sites. it just says NA I called equifax several times and they stated there is no freeze on my account and everything should be fine. i spoke to multiple people and 2 years later im still in the same predicament

Company response to consumer: Closed with explanation