vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-24 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, incomplete, and unverifiable information. Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2020-09-24 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, incomplete, and unverifiable information. Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting

on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2020-09-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I sent the below letter to Capital One 's executive office on XX/XX/2020, and it appears they are refusing to comply. I am also paying a settlement of {$1700.00} to them and would appreciate Capital One removing all information from their system so I may apply for their products at a later time, should the need arise. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- To whom it may concern : While checking my personal credit reports, which I acquired from XXXX, I noticed numerous inquiries made by your company. I am not in the market for Capital One credit or auto finance products, nor was I.

I did not authorize anyone employed by your company, or any subsidiaries of your company, to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ). You are not legally entitled to make the inquiry without permissible purpose attached to said inquiries. This is a serious breach of my
privacy rights.

The inquiries in question are on the following credit reports : XXXX  : Capital One Auto Finance, XX/XX/2020, Capital One Auto Finance, XX/XX/2020, Capital One Auto  Finance, XX/XX/2020 and Capital One Auto Finance, XX/XX/2020 | XXXX  : Capital One Auto Finance, XX/XX/2020, Capital One Auto  Finance, XX/XX/2020, Capital One Auto Finance, XX/XX/2020 and Capital One Auto Finance, XX/XX/2020 I request that you mail me a copy of my wet-inked signed authorization form that gave you the right to view my credit within five ( 5 ) business days so that I can verify its validity. Mail it to the address listed above. 

If you can not provide me with proof that I authorized you to view my credit report, then I am demanding that you contact the credit bureaus immediately and have them remove the unauthorized hard inquiry immediately. I also request that you remove my personal information from your records. 

Please send me a written confirmation that you have complied with my requests. 

Your failure to comply with my requests within five ( 5 ) business days will be my evidence used in Federal Court of your willful noncompliance [ 15 U.S.C. 1681n ] and I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have maintained a checking account and a United XXXX XXXX credit c ard with Chase for over 10 years, and utilize the credit card almost daily, as my job as a Management Consultant requires that I travel every week. Chase recently closed my checking account as well as my credit card without any warning
.

I received a call a few months ago from a Chase Branch Manager about a legitimate wire transfer that I initiated, and was questioned about. Given the fact I am first-generation American and have family that resides overseas, should I be forced to not be able to transfer money to and from family because Chase thinks it is fraudulent? I believe this is absolutely discriminatory and appalling behavior by Chase.

I have contacted Chase multiple times, and they have blatantly refused to provide any reasoning as to why my accounts were closed, other than we can close it if we want to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: McCarthy, Burgess & Wolff, Inc.
State: PA

Complaint narrative:
XX/XX/2020 they called about a debt that is owed from XXXX.They said they represent them I told them I had no idea if the debit and can they send me a validation and in response they sent this letter that does not validate the debit nor states his account belongs to me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners
State: MD

Complaint narrative:
I received a collection letter around XX/XX/XXXX dated XX/XX/XXXX from Affiliated Asset Solutions, LLC for the amount of {$1500.00}. I immediately called them and told them that I was disputing the collection. I was told by their representative that I had gone to the emergency room on XX/XX/XXXX and the bill was a result of that visit. I informed her that I did not go to the emergency room in XXXX at anytime and that I wanted to dispute this collection. They have proceeded to call me several times and I have repeated that I did not go to the emergency room in XXXX. I have asked for the name of the hospital and any intake forms of my supposed visit and any bills that were generated as a result. They just keep calling me and asking me about the debt. I went to the XXXX XXXX XXXX  website and they have a lot of complaints from people complaining about the same problem I am having with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This Company XXXX XXXX XXXX XXXX hasn't provided me with a HIPPA release this is a violation of the FDCPA and the FCRA simply because this company ( XXXX ) is a third party entity whom shouldn't even have records of my medical records. They should have included a HIPPA release with my signature on it. Which they didn't. 

I disputed this directly with Equifax in which they out right refused to correct!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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: IN

Complaint narrative:
I sent the below letter to XXXX XXXX 's executive office on XX/XX/2020, and it appears they are refusing to comply. I am also paying a settlement of {$1700.00} to them and would appreciate XXXX XXXX removing all information from their system so I may apply for their products at a later time, should the need arise. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- To whom it may concern : While checking my personal credit reports, which I acquired from XXXX, I noticed numerous inquiries made by your company. I am not in the market for XXXX XXXX credit or auto finance products, nor was I. 

I did not authorize anyone employed by your company, or any subsidiaries of your company, to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ). You are not legally entitled to make the inquiry without permissible purpose attached to said inquiries. This is a serious breach of my privacy rights.

The inquiries in question are on the following credit reports : XXXX : XXXX XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX XXXX, XX/XX/2020 and XXXX XXXX XXXX XXXX, XX/XX/2020 | Transunion : XXXX XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX XXXX, XX/XX/2020 and XXXX XXXX XXXX XXXX, XX/XX/2020 I request that you mail me a

copy of my wet-inked signed authorization form that gave you the right to view my credit within five ( 5 ) business days so that I can verify its validity. Mail it to the address listed above. If you can not provide me with proof that I authorized you to view my credit report, then I am demanding that you contact the credit bureaus immediately and have them remove the unauthorized hard inquiry immediately. I also request that you remove my personal information from your records. Please send me a written confirmation that you have complied with my requests. Your failure to comply with my requests within five ( 5 ) business days will be my evidence used in Federal Court of your willful noncompliance [ 15 U.S.C. 1681n ] and I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees.

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 2020-09-24 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: WI

Complaint narrative:
For the past 9 months I have requested verification on several accounts reporting inaccurate information on my credit report. These inaccurate and unverifiable accounts have given me serious XXXX  as I have been denied credit because of them. I have called and sent several certified mail with documents of proof to the inaccurate accounts, but still I have been ignored. Each time I am only sent back automated responses to my investigation request. I know they are automated because they all respond the same way even though I send the supporting documents. I requested verification of an inaccurate, unverifiable Bankruptcy that is being reported on my credit report and was told it was verified by XXXX, however, I have had a Security freeze on my XXXX report since XX/XX/2019. I would like to know how I was given a fair investigation if XXXX was never contacted to request the information? Because if XXXX were contacted, they would have informed " Whoever '' that there is a security freeze on my account and the information could not be provided at the time. I contacted XXXX and they informed me that since the security freeze was placed on my report, they have not released any of my information to ANY agency. I also mailed the Bureau a copy of a court document that was mailed to me by the courts where I live that states, they have not furnished any of my personal/public record information to any Credit Agency. So again, how was this inaccurate, unverifiable Bankruptcy account verified? I currently have enough documented proof to show I have not been given a fair investigation.

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 2020-09-24 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
All 3 credit bureaus ( XXXX, XXXX, and TransUnion ) have not responded to my letters since XX/XX/2020. 
XX/XX/2020 a debt verification letter was sent out to the bureaus and I received no response well over 40 days. 
I tried to be understanding due to the pandemic so XX/XX/2020 I wrote another letter to them stating due to them never responding to my letters by law they have to delete the accounts in question and its now XX/XX/2020 and I still haven't received any response from any of the 3 major credit bureaus ( XXXX, TransUnion, XXXX  ). 
I'm usually a very understanding person but this is just Ludacris. My credit is very important to me and right now the negative items in question are hindering me and my family from being able to move forward in life and I feel like the Credit bureaus aren't taking my request serious. This has to be against the law. I have went 115 days with no response from all 3 credit bureaus

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 2020-09-24 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
All 3 credit bureaus ( XXXX, Experian, and XXXX  ) have not responded to my letters since XX/XX/2020. 
XX/XX/2020 a debt verification letter was sent out to the bureaus and I received no response well over 40 days. 
I tried to be understanding due to the pandemic so XX/XX/2020 I wrote another letter to them stating due to them never responding to my letters by law they have to delete the accounts in question and its now XX/XX/2020 and I still haven't received any response from any of the 3 major credit bureaus ( XXXX, XXXX, Experian ). 
I'm usually a very understanding person but this is just Ludacris. My credit is very important to me and right now the negative items in question are hindering me and my family from being able to move forward in life and I feel like the Credit bureaus aren't taking my request serious. This has to be against the law. I have went 115 days with no response from all 3 credit bureaus

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 2020-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
There is an account in my file as authorized person. I did not authorized this in my file and did not know who did. 
Capitalone XXXX XXXXXXXX XXXX XXXX XXXX, UT XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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: Nelnet, Inc.
State: NC

Complaint narrative:
I have three student loans reporting to my credit report. Two that are settled from XXXX. One that was opened in XXXX. The two that are closed are being reported accurately. The one I opened in XXXX is being reported as opened in XXXX, and is also listing all of my old late payments from the settled loans, from XXXX. This is a NEW loan and should not be reported as such. Currently these late payments are being reported twice, once under the new loan, and another under the old settled out loan. When I spoke to Great Lakes over a month and a half ago, the lady understood what I was saying and notated in my file that she recommended that I dispute the account with the credit bureaus. I did that. Fast forward to now, this information is still showing. Today I called Great Lakes again to follow up and they have zero answers other than to dispute again. 
The open loan was not opened in XXXX, I was never late on this account, it is being reported as " worst status 120 days late '' and three times 90 days late. I would like this fixed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
Thank you Amx for fixing some of the credit reporting issues on my bureaus. However, recently pulled today on XXXX, you are showing my Charge off in XXXX. That is not being reporting correctly. However, I appreciate you deleting the reporting " data '' on the other months and leaving those dates BLANK as should be done by the FCRA after the actually charge off date. Which I think is some where around XXXX or XXXX of XXXX. 

So, I am asking if you can please fix this, see image, and only show charge off on the date it was charged off, and NOTHING reporting after that. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: OH

Complaint narrative:
I have been banking with Chime for the past year, and have never had any problems .... UNTIL NOW!!!!!! 
On XX/XX/21 I received an email from chime 's support team stating that my account will be closing on XX/XX/21. YES YOU READ THAT RIGHT!!!! my account was closed the same day i received the email ... NO heads up to transfer money and/or change my direct deposit info to my other bank account. The closure of my account happened THE DAY BEFORE my direct deposit was supposed to hit ... Well here it is payday and i have absolutely no clue where my check is.. I have no clue as to if my check was returned to my employer or not. I have called, emailed, DM 'd on XXXX  AND XXXX  and no one can give me a direct answer. I don't even care as to why it was closed anymore I just want to know where the XXXX my check is ... .... I would NEVER suggest someone to use chime especially all the scam claims that are coming out about them now.. I wish i would've known before I ever used them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
There are two accounts in my file that have me as authorized user. I did not ask any body to be an authorized user.

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