vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I was required to pay off my XXXX XXXX XXXX  in order to purchase a building for my business. I complied and paid it off. XXXX XXXX XXXX XXXX, and Transunuon refused after multiple requests for months to update the paid off status after cashing the funds. As a result, I was denied for credit, lost the building I was tentatively approved for for my restaurant. This was the only stipulation remaining and I begged them for months to report I paid off the balance to XXXX. The updated my balance to XXXX only after XXXX got involved and after I was denied for credit and lost the building I win the bid on. I a requested that XXXX XXXX, XXXX, XXXX and Transunuon completely removes the credit history from my credit report. Id not, I will be seeking financial damages from the XXXX XXXX, XXXX, XXXX, and Trabshnionfor them not reporting my update promptly and the financial losses. I was not able to recouped my {$26000.00} deposit back from the business venture. They stated I reported my balance for XXXX XXXX was paid off the XXXX and I was not able to provide that proof in a timely manner. I am requesting that it is removed completely from my credit before XX/XX/XXXX  or I will be seeking financial restitution. I have verification when XXXX XXXX cashed the check versus when they updated the XXXX balance reporting and proof the multiple times and attempts I requested them to report it.

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 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sold apartment in NY put {$30000.00} down on house and put in my husband name ONLY as his income was better for a fixed mortgage my husband for XXXX  years.He owned company in XXXX and commuted. He died in XXXX XXXX which is suspicious, due he was arriving in USA next day his daughter put divorced on death certificate.. my family flew down Immediately.. I was deleted at home called XXXX and said he died they gave me no help.. His daughter took all information from his lap top and said she was me.my attorney called XXXX to not refinance.. there was a tax lien on house which I was trying to handle XXXX I received paperwork from XXXX in email telling me refinancing and IRS was included. XXXX was very difficult.. I proved continual married and our Attorney helped my sister and I pay off mortgage they had no right going in my credit report XXXX  never called me.. my XXXX attorney ihas proved fraud that there was no divorce and they are being served by a judge. I HAD NOTHING TO DO WITH XXXX AND THEY ALMOST GAVE MY HOME TO A THIEF.. 
I WANT THEM OFF MY Credit REPORT NOW I WILL TAKE LEGAL ACTION ON XXXX. I AM XXXX and THIS IS IDENITY THIEFT, and XXXX IS INCOMPETENT

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 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Cascade CISS Holdings, LLC
State: FL

Complaint narrative:
I sold apartment in NY put {$30000.00} down on house and put in my husband name ONLY as his income was better for a fixed mortgage my husband for XXXX  years.He owned company in XXXX and commuted. He died in XXXX XXXX which is suspicious, due he was arriving in USA next day his daughter put divorced on death certificate.. my family flew down Immediately.. I was deleted at home called XXXX and said he died they gave me no help.. His daughter took all information from his lap top and said she was me.my attorney called XXXX to not refinance.. there was a tax lien on house which I was trying to handle IRS.. I received paperwork from XXXX in email telling me refinancing and IRS was included. XXXX was very difficult.. I proved continual married and our Attorney helped my sister and I pay off mortgage they had no right going in my credit report XXXX  never called me.. my XXXX attorney ihas proved fraud that there was no divorce and they are being served by a judge. I HAD NOTHING TO DO WITH XXXX AND THEY ALMOST GAVE MY HOME TO A THIEF.. 
I WANT THEM OFF MY Credit REPORT NOW I WILL TAKE LEGAL ACTION ON XXXX. I AM XXXX and THIS IS IDENITY THIEFT, and XXXX IS INCOMPETENT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sold apartment in NY put {$30000.00} down on house and put in my husband name ONLY as his income was better for a fixed mortgage my husband for XXXX years.He owned company in XXXX and commuted. He died in XXXX XXXX which is suspicious, due he was arriving in XXXX next day his daughter put divorced on death certificate.. my family flew down Immediately.. I was deleted at home called XXXX and said he died they gave me no help.. His daughter took all information from his lap top and said she was me.my attorney called XXXX to not refinance.. there was a tax lien on house which I was trying to handle IRS.. I received paperwork from XXXX in email telling me refinancing and IRS was included. XXXX was very difficult.. I proved continual married and our Attorney helped my sister and I pay off mortgage they had no right going in my credit report XXXX  never called me.. my XXXX attorney ihas proved fraud that there was no divorce and they are being served by a judge. I HAD NOTHING TO DO WITH XXXX AND THEY ALMOST GAVE MY HOME TO A THIEF.. 
I WANT THEM OFF MY Credit REPORT NOW I WILL TAKE LEGAL ACTION ON XXXX. I AM XXXX and THIS IS IDENITY THIEFT, and XXXX IS INCOMPETENT

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 2023-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I am a XXXX. I applied for a HSBC bank account in early XXXX. After the account was approved, I tried to apply for a credit card. When the bank needed additional information many times, I finally approved my credit card application. When they mailed me the credit card, I logged in to the bank and found that the credit card account was abnormal. I called the customer service. They said that the risk department re-examined the XXXX, and at the same time, they closed my bank and checking account. On XX/XX/XXXX, I provided the information according to their requirements. The risk department said that the results would be issued in 3 to 5 working days. I communicated on the phone many times in the middle of the journey. They kept waiting and did not give me a result. It was still frozen until XX/XX/XXXX. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Noticed inquiries on my report that werent authorized.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
Multiple phone calls while I was working, multiple emails, never did get a direct answer from them regarding the matter. They never verified/validated the debt they were trying to collect. Overall very rude and disrespectful and despite multiple attempts to dispute it to have it erased, I have had no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
Noticed inquiries on my report that werent authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
XXXX XXXX, Bank of America since XXXX, eh received multiple overdrafts, double charges, and triples repeatedly I travel a LOT I am a baseball player, between travel, marketing, companies, interviews, being the image of important brands, my business my time is limited then the comments that people are MAKING about you ( BANK OF AMERICA ) in the world of baseball. YOU ARE 3 strikeouts a day for a full baseball season ( IRRESPONSIBLE, ) AND YOU ARE STARTING TO LOOK REALLY BAD. AND SINCE I HAVE UP TO 6 YEARS TO REPORT THESE TYPES OF CHARGES ACCORDING TO MY LAWYER AND THE FTC, I NEED MY MONEY BACK FROM OVERDRAFF, SINCE XXXX  HEY BANK OF AMERICA I DO NOT OPT AT ANY TIME PROTECTION AGAINST OVERDRAFTS AND THIS IS ILLEGAL, BUT I THINK WE CAN REACH A NEGOTIATION WITHOUT HAVING TO GO TO COURT THAT LOGICALLY SUITS ME MORE THE COURT, BUT MY GOD IS THAT THEY ARE TOO MANY EXAGGERATED CHARGES ONE BEHIND ANOTHER ANOTHER ANOTHER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ETC ETC AND A NUMBER OF CHARGES AND DOUBLE TRANSFERS, HERE I WILL LEAVE THE EVIDENCE, MY BANK STATEMENTS, I DO NOT THINK THEY NEED TO SEE MORE, BECAUSE ALL THE EVIDENCE IS THERE THEY NEVER RETURNED WHAT THEY TOOK FROM ME, AND NEVER HAPPENED ANY OF THOSE TRANSACTIONS, PHANTOM THAT BY MY BANK ACCOUNT NICIQUIERA WERE REFLECTED BUT IF THEY WERE DEBITED FROM MY ACCOUNT I NEVER HAD PROTECTION OF OVER DRAFF IN MY ACCOUNTS, never the eh authorized to have these AND IT IS SOMETHING ILLEGAL. SO FAR, I DEMAND 1-THAT YOUR RESEARCH TEAM MAKE THE ATTEMPT TO AT LEAST REVIEW THE TRANSFERS PLEASE. DO NOT LEAVE THE PAPERS THROWN INVESTIGATE INVESTIGATE BE WAITING for my money in 48 working hours or less, because as it is my money not yours!! I do not see that they have problems in proceeding my return I am sorry but if not, we will go straight to the press I ALREADY HAVE THE APPOINTMENT WITH XXXX AND XXXX, and WE ARE GOING TO GO TO TRIAL to the Court, today they did it to me tomorrow IT CAN BE TO THE Federal Trade Commission ( Federal Trade Commission, and CFPB ) is the national consumer protection agency of the United States IT SAYS THAT THE CONSUMER WHO FILES A COMPLAINT IS PROTECTED CUSTOMERS HAVE XXXX 6 YEARS IN THE UNITED STATES. 
I demand the compensation for damages and damage and fraud I demand my overdraft money I demand every double charge made I demand that you remove any credit history regarding Bank of America that for this same reason the account number XXXX is closed today did not receive money again because with you there is very little security and confidence. 
XXXX $ XXXX XXXX : XXXX XXXX XXXXXXXX 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 monetary relief
Consumer complaint received 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: RentDebt Automated Collections, LLC
State: GA

Complaint narrative:
i have not given anyone written permission to report any of my private information on my credit reports this is a violation of my privacy rights. This company has never had permission to do soi am a victim of identity theft, By law a consumer must receive written notice known as a debt validation letter within five days of the collectors initial attempt to contact me. I only found out about this after it was reported on credit report. This is a clear violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Debt Mediation, Inc.
State: AL

Complaint narrative:
I have requested the original purchase agreement showing their ownership of this alleged debt. 

I requested a Debt Validation Letter but never got it. Date requested XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have diligently undertaken a series of actions, including telephonic communication, electronic correspondence, and the submission of written documentation furnished by XXXX, in an effort to rectify the inaccuracies persistently reported by the credit reporting agency with regard to the status of my student loans. Attached is a letter from 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 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
( 4 ) four unauthorized inquires was placed on my credit report. I did not give or the Capital one permission to report on my credit report.

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

I have not initiated any transaction with ANY OF THE MENTIONED INQUIRIES IN QUESTION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have diligently undertaken a series of actions, including telephonic communication, electronic correspondence, and the submission of written documentation furnished by XXXX, in an effort to rectify the inaccuracies persistently reported by the credit reporting agency with regard to the status of my student loans. Attached is a letter from 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 2023-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: GA

Complaint narrative:
US Auto seemed to just disappear, I have no knowledge of the company who allegedly has my contract. It seems very sketchy and fishy because I have had gap insurance on my vehicle and since my contract was sold to another company, I no longer have my gap Insurance. Also my price that is still owed is absolutely incorrect. I have tried speaking with someone at Westlake portfolio and its impossible. I once was able to contact someone and I asked for proof that they now own my contract and they refused. I have tried my best to keep paying my car note but something doesn't sit right with this company. I am now having issues with the car and my car is under warranty and I have no where to take my car for Service. Also god forbid me getting into a car accident and I now have no gap Insurance, and they never told me anything, I had to ask them the one time I was able to get a live person on the phone. I really need to do a debt validation letter to make sure this Information is correct because I dont have a contract with Westlake portfolio, my contract is with US Auto . This whole ordeal is a mess and no one is affected but the people who have these contracts that are now void. Can someone please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I have requested the original purchase agreement showing their ownership of this alleged debt. 

Requested a Debt Validation Letter but never got it. 

Dates requested XX/XX/XXXXXXXX  and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
( 4 ) four unauthorized inquires was placed on my credit report. I did not give or the Capital one permission to report on my credit report.

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

I have not initiated any transaction with ANY OF THE MENTIONED INQUIRIES IN QUESTION.

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 2023-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Sierra Holdings LLC
State: TX

Complaint narrative:
As this is unverifiable FCRA Sect 611 Requires this account be deleted immediately.Mistaken identity the truck got towed, misleading information. 
XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Untimely response
Consumer complaint received 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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