vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Transunion. 


1. Company Name : XXXX/XXXX  XXXX  Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX  Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft

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 2020-11-22 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I am a federally protected consumer and Bridegcrest has violated me under the provisions of 15 USC 1692, 15 USC 1605, 15 USC 1602, and 15 USC 1681. Please review the attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I made a payment to American Express of a sum of {$1100.00} on XX/XX/XXXX. 
Prior to that the sum of {$900.00} had been paid on XX/XX/XXXX, and was collected without any sound made. Whatever now happened with the {$1.00}, XXXX beats me hollow. 

Amex claims that they could not verify the account. That they can not verify the payment was legitimate and that I had the money in my account. This is an amount that had left my checking account ending - # XXXX, since XXXX XXXX, XXXX And this is the same checking account that I have been using for payments since XXXX. This has been scores of payments and then suddenly now, in XXXX and XXXX season, it is no longer possible for Amex to verify the payment? Seriously? 

What I noticed is that each time I had made attempt to resolve this problem, Amex kept attempting to access my other bank account password and personal details. This has been going on for over a month now, where Amex has been trying to access my checking account by all means beyond what concerns them. 

It appears that there is a potential threat to people 's personal details for cyber attacks this season by these irresponsible practices and disregard for security of the customer 's account by banks like this, so this matter needs to be noted for the safety of users. 

The problem is that these two banks - XXXX and American Express Bank has sat on my money ( {$1100.00} ) for more than seven days and have been lying to me about who has the money and who doesn't and each time Amex will attempt to collect the password to the XXXX account by all means possible ; stating that if I do not let them, they would not deposit the money. and my account will go into lack of funds. 

There is full evidence that the money was and is available to them and there is no logical reason to assume that the funds that has been sent to them for seven days is not real. the money has been sent to Amex without any restriction since XX/XX/XXXX. 
This act of suggesting and attempting to intimidate me into collecting information that does not apply to their account should be investigated. It is scary. 

Thus, I am worried that I am being intimidated by Amex Bank in a way that bothers between blatant discrimination and misconduct. 
I wish to report this here today so that it can be documented that this kind of thing happens and it is detrimental to the wellbeing of customers who are being intimidated and mistreated in this way. 

This should not be happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The credit bureaus are reporting inaccurate information on my credit 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 2020-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I XXXX XXXX am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The Credit bureaus are reporting inaccurate items on my credit 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 2020-11-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: KEYCORP
State: WA

Complaint narrative:
I received my benefits and was able to make purchases for about three days then they locked my card due to suspected fraudulent charges. I cleared that up with key bank, the card provider. My card was still locked after clearing it with them. I called them again and they told me to contact washington unemployment to unlock the card. I contacted them multiple times and they haven't responded or unlocked my card. If I have cleared it with the bank then why do they still have a lock on it and why do they get to lock my card in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The Credit bureaus are reporting inaccurate items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The Credit bureaus are reporting inaccurate items on my credit 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 2020-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I XXXX XXXX am a victim of identity theft

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 2020-11-22 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: ID Analytics, Inc.
State: NY

Complaint narrative:
I XXXX XXXX am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am a federally protected consumer and Capital One Auto Finance has violated me under the provisions of 15 USC 1692, 15 USC 1605, 15 USC 1602, and 15 USC 1681. Please review the attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I was very upset. I attempted to use my Capital One Credit card and noted it was on restriction status. I called on XX/XX/XXXX at approx. XXXX ET. I spoke with XXXX, the supervisor, and asked her why was my card on restriction. She explained that I used one of my XXXX XXXX accounts listed with my credit card was used to pay XXXX and it triggered the system because I have not used the XXXX XXXX account since XX/XX/XXXX. I explained to her I did not know I was not able to use any of the bank accounts associated with my credit card account to pay a bill anytime I wanted to. The supervisor explained that she would have to verify my bank account. I explained to her it was unacceptable. My XXXX  did not open until Monday and I needed to use that day. The supervisor noted that none of my bank accounts were verified since XXXX. I asked her was that legal? I could have been paying money towards my account from anywhere. The supervisor noted they trusted me. I explained to her I felt offended because of my race because now your company has been accepting an significant amount of money without verifying my bank accounts listed and now its restricted based on you not trusting me anymore? As much money I poured into this company I can even get a credit increase. As a result, I can not use my credit card. I work on a XXXX  XXXX  very sick XXXX  and I have to take time out of my day to call Capital One back so I can remind them to call my bank to verify my bank account after being with them over several years. Talk about more stress as a front liner. Please help. Something is definitely wrong here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The credit bureaus are reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The credit bureaus are reporting inaccurate information on my credit 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 2020-11-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Good day, I am attaching the report sent to me by XXXX. It shows that my mortgage account may be considered negative. In the report i highlighted the months that I have already paid that have not been updated. 

The Mortgage was in forbearance and I have decided to go back and pay all the months of the forbearance even before the end of that forbearance. Logically, and through common sense, the accounts can not be overdue. All payments paid through the forbearance are paid on time because all payment was suspended and nothing was due. So, if the customer decide to go back and pay the account, the payments are made on time. 

I paid my mortgage to do the right things during the pandemic by borrowing money with the only purpose of being current with my mortgage. Wells Fargo should update my mortgage information. 

In the case they decide not to update the information, they should put the months of XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX at the back of the loan and give me back the amount already paid for those months.

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 2020-11-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion historically for me has continued to erroneously report information. Transunion will indiscriminately change my credit score, and when I phone up and ask why I am always told the same answer and that they can not give me any information, while I am in the middle of dispute. Each time I request my free weekly credit report during these times of the Coronavirus they refuse again stating its because my account is under investigation. I see hard credit checks for companies that I have zero clue as to who they are and yet Transunion refuses to remove those hard credit checks, they refuse to give me a copy of my credit report. Most importantly each time I call Transuion to follow-up, I can guarantee without fail always within days see my credit score not through Transunion but through XXXX XXXX that my credit score with them gets massively impacted with a lower score. Transuion has directly impacted me through a pandemic from securing any form of loan to support my family and live. Out of all 3 major credit bureaus Transunion is the only one refusing to remove alleged collection zombie debts from my report. Transunion I feel is using illegal practices and I am hoping you will investigate them and stop there illegal practices. I am again down to a XXXX credit score only with them and when I check it states no new changes. PLEASE STOP THERE ILLEGAL PRACTICES!

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 2020-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The credit bureaus are reporting inaccurate information on my credit 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 2020-11-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My original complaint is # XXXX. This has still not been resolved. As a matter of fact I still have not spoken to anyone at B of A other than XXXX XXXX. She called me on XX/XX/XXXX to make sure i was the one who filed complaint and said someone would be calling me to talk to me about it. Well on XX/XX/16, a man named XXXX called, and left a message for me to call him at the same number from my original complaint. I called and just like every other time, couldn't get anyone on the phone. I have now sat on hold for 29 hours trying to get this taken care of and still have never spoken to anyone. This fraudulent charge was made to my account on XX/XX/XXXX, 2020. in the amount of XXXX I started calling on the XXXX to resolve this to no avail.

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 2020-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The credit bureaus are reporting inaccurate information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The credit bureaus are reporting inaccurate information on my credit 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 2020-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The credit bureaus are reporting inaccurate information on my credit reports

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 2020-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The credit bureaus are reporting inaccurate information on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The credit bureaus are reporting inaccurate information on my credit reports

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 2020-11-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HOVG, LLC
State: GA

Complaint narrative:
I am writing regarding a collection account placed on my credit history that was never brought to my attention. On XXXX, XXXX 2020 I noticed a new collection account had been placed on my credit history. this account was placed by bay area credit services. This collection account has never been brought to my attention. I never received a bill, statement, collection notice or otherwise. I am willing to pay this amount if proof can be sent to me regarding the legitimacy of this account. I again request that the collection agency remove this from my credit as this is the first i have heard of this account. there are two amounts placed on my credit report and neither one of them were ever brought to my attention prior to it being reported. It is my understanding that i legally have 30 days to respond to collections before they can be reported. the amounts places for collection are XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
On XXXX XXXX, 2015, my monthly auto payments for my XXXX were not going through and I was out of the country in XXXX. I thought my car was on auto bill payment but it wasn't. I ended up staying in XXXX for longer than expected and while I was out of the country the car went into collections. They never notified me of the rejection and and now I am unable to finance a car because of this mark on my credit and the company will not help me with this unfair situation.

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