vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-12 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: VA

Complaint narrative:
I contacted TransUnion and XXXX  regarding multiple inquiries listed on my credit report that I do not recognize. I contacted both agencies multiple times between XX/XX/2018 and XX/XX/2018. Both agencies refused to investigate the inquiries, stating that they do not have any obligation to ensure the accuracy and legitimacy of inquiries listed on the reports maintained by their respective agency. I was directed by both agencies to contact the companies making the inquiries. I did so and was instructed by them to contact the reporting agencies as it was their responsibility. I reached out to TransUnion and XXXX  again, this time requesting documentation showing that the inquiries were compliant under the FCRA and both agencies said they could not provide me with that information. They also told me again to contact the individual companies making the inquiries to dispute the information, and that I could not dispute the information with TransUnion and 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 2018-10-12 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: PA

Complaint narrative:
On XX/XX/2018 I received Letter confirmation from XXXX  XXXX XXXX after reviewed and found Fraud on my Card Applied for Unauthorized Increase line limit, so XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX to REMOVE the Unauthorized Hard Inquiry Made on My Report - XX/XX/2018 - XX/XX/2018 - XX/XX/2018 the above Hard inquiry date i have seen only on my Report of TRANSUNION, so i'm make this complaint cause TransUnion doesn't response on my previews mail has sent to them, they should little care about customer Credit but they didn't so i attached 2 letters from XXXX  XXXX XXXX and they already notified all of XXXX XXXX XXXX XXXX according wrote in letter and this is to confirm they remove this Unauthorized Hard Inquiry Made on My Report Please i hope this time TransUnion Response and little care about customer Establishing Credit

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 2018-10-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I had a man, XXXX XXXX XXXX, living in my home for approximately 9 months beginning in XXXX and ending in XXXX of 2018. He had access to all my personal information including my drivers license, brith certificate, social security number, my two sons social security numbers, and my grandsons social security number, and all my banking information including accounts and debit cards. Prior to leaving my home he put my name on a business account that he had with Bank of America and handed me a debit card listing me as his employee and I refused to accept this card. I never signed any documents with Bank of America. I live in XXXX Texas and I am a XXXX and XXXX XXXX/XXXX and I receive a large sum of royalty payments from XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, and XXXX which are all companies in the oil and gas industry. Recently I stopped receiving checks from them and I was concerned that he could possibly have the royalties deposited into his account that he put my name on. Today I called Bank of America but I was unable to obtain information from them. The reason that Bank of America gave me was because they would ha e to speak with the account holder. This man has a history of serious XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX. He also has stolen my laptop and he had my cell phone tapped. This man is planning on doing something very bad and I want to prevent that. I have closed all my bank accounts and opened new ones, changed most of my passwords, monitored my credit regularly, called all the companies that I receive royalties from, and even notified my post office.

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 2018-10-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
XXXX and XXXX have allowed unauthorized access to my protected person data and they now have access to get my finances and hindering my ability to obtain safe housing. I am an XXXX XXXX veteran and former XXXX  XXXX XXXX who is retired on XXXX. 


They have affected my financial capability to pay and use my phone services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 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: AZ

Complaint narrative:
On XX/XX/XXXX I submitted a dispute with TransUnion. It is now XX/XX/XXXX and TransUnion has still not completed the investigation nor will they allow me to dispute anything else on my credit report. In fact, the TransUnion website states the investigation will not be completed until XX/XX/XXXX. This going on 3 month investigation has greatly affected my credit score as I have a school lender reporting inaccurate information on my credit report. By TransUnion refusing to allow me to dispute anything else on my credit report, they have directly caused my report to drop by over 150 points. In addition, TransUnion is adding additional accounts and keeping old accounts open under the SAME LENDER despite having only 1 account that I can not dispute for the reasons stated above.

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 2018-10-12 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: Fidelity National Information Services, Inc. (FNIS)
State: DC

Complaint narrative:
On my XXXX  credit rep. I saw THIRD PARTY SUPPLIED Information. 
It was submitted without my consent, and in violation of my identity privacy rights. 
There was too much too confidential information. 
I called to CHEX SYSTEMS.com co. who supplied this THIRD PARTY INFORMATION for XXXX. 
I spoke with XXXX, Employee # XXXX. 
Her number is XXXX. 
CHEX SYSTEMS is XXXX. 

XXXX Is in XXXX, MN. 
I explained that I am very very disturbed by what I see on XXXX  about my home. 
That it looks like someone wanted to lend me money for a car, against my home maybe? 
The company is XXXX XXXX. 
But I dont know who they are and never heard of them. 

I also never ever received a CONSUMER REPORT from CHEX SYSTEMS .com. 

XXXX asked me if I received a Consumer Disclosure report from CHEX SYSTEMS? 

I told to her, that I did not receive Consumer Disclosure Report from CHEX SYSTEMS. 

She promised to mail it to me. 

XXXX initiated a DISPUTE today to investigate who XXXX XXXX are and why they requested so much information about me. 

I t is my understanding that Chex System can not remove THIRD PARTy SUPPLIED INFORMATION from my XXXX  Credit Report. Yesterday Federal Trade Commission 's agent XXXX told to me, that I must contact only Consumer Financial Protection Bureau to help me to remove or dispute unwanted or double or irrelevant to credit report information about me. 

XXXX Id # XXXX from CHEX SYSTEM also advised me to file a POLICE Report, to go to POLICE and file a report about IDENTITY Theft or that someone is trying to get information -- too much information about me and my home, and report this to the XXXX XXXX POLICE what I intend to do.

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 2018-10-12 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: VA

Complaint narrative:
I contacted XXXX  and Equifax regarding multiple inquiries listed on my credit report that I do not recognize. I contacted both agencies multiple times between XX/XX/2018 and XX/XX/2018. Both agencies refused to investigate the inquiries, stating that they do not have any obligation to ensure the accuracy and legitimacy of inquiries listed on the reports maintained by their respective agency. I was directed by both agencies to contact the companies making the inquiries. I did so and was instructed by them to contact the reporting agencies as it was their responsibility. I reached out to XXXX  and Equifax again, this time requesting documentation showing that the inquiries were compliant under the FCRA and both agencies said they could not provide me with that information. They also told me again to contact the individual companies making the inquiries to dispute the information, and that I could not dispute the information with XXXX  and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I never made a late payment on this account, please correct

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 2018-10-12 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: VA

Complaint narrative:
On XX/XX/XXXX, I was alerted to a collection account on my credit report. This account has been paid. The amount of XXXX has been paid to XXXX, The original source.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 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: TN

Complaint narrative:
I noticed some discrepancies on my credit report in which i disputed it with the credit bureau Equifax, XXXX, and XXXX. They made claim that the accounts are verified and left the accounts still reporting on my credit report. I asked " how did you verify the account? " they replied back with " we send an email to the collection agency and if they reply back it's yours then we take their word for it ''. Wait i thought you were suppose to have physical proof on files to verify the accounts in dispute. Equifax, XXXX  And XXXX  made a comment and said of i want the physical proof i have to contact the creditor. That is not my job. That is yours to verify through PHYSICAL DOCUMENTS to ensure the accounts you are reporting are actual factual. Other wise anyone paying for your reporting services can mail fax email in a fraudulent account. I here by request XXXX, XXXX and Equifax to verify through physical documentation the following accounts : XXXX XXXX, XXXX XXXX, XXXX XXXX And national credit systems. Please send to my physical address on file the actual proof you have in your files to prove these debts are mines. If you do not have physical documents on file please respond to this CFPB complaint stating such. I do believe no one is doing there jobs right and if i don't get the proof i need i will file a lawsuit against equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: CA

Complaint narrative:
In XX/XX/2018, I spoke to XXXX XXXX ( PNC bank rep ) and regarding the service fee charged to my account. XXXX was able to reversed the service fee charges and informed me that the account needs to have XXXX $ minimum balance to avoid being charge again. Hence I made a deposit on the same day ( XX/XX/XXXX ) which gives me a balance of XXXX . But 3 weeks later I get the bank statement with the service fee charge again. Talked to several PNC rep ( XXXX XXXX, XXXX XXXX, XXXX XXXX ) but they are just a waste of time to deal with. I made an typo error in the address change and they informed me that it takes 3 business day to update the address change and can not do any thing until it is updated in their system : Ex 123 AbcAve => should be 123 Abc Ave. In this day of business and technology where information is updated in split seconds, it should not take 3 business days to update the correct address, especially when there is email and text message to verify electronically. I realized PNC bank does not have a good business practice and need to file a complaint. But PNC does not have formal form or procedure to file a complaint, hence no documentation or transparency of complaint is maintained. This is a " Pretty Nasty Company '' ( PNC ) business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 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: NJ

Complaint narrative:
I disputed XXXX XXXX XXXX Account # XXXX- paid charge off with Transunion on the following dates XX/XX/2018, XX/XX/2018,XX/XX/2018. 

I received " XXXX '' alerts on the following dates XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018. The alerts stated that " A Negative item listed on your credit report has been removed in your Transunion data '' ( XXXX XXXX is the only negative item on my report ) I looked at the myfico credit monitoring service and saw that the negative item was still reporting on Transunion. ( the charge off is the only negative item on my report ). XXXX customer service said to call Transunion and asked for an explanation as to why this is still reporting, because Transunion clearly transmitted information to XXXX that the negative information was removed and should not be listed in my credit report. 

I called Transunion at XXXX and waited for the prompts to connect me to a Transunion credit specialist, I was repeated connected to customer call centers located either in XXXX or in the XXXX. I tried to explain the situation each time and they opened up new disputes and I received the same results. Verified by creditor.

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 2018-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On the following dates letters were drafted and sent via Certified Mail to the major credit bureau Equifax, in efforts to dispute inaccuracy in account information reported ; XX/XX/2018, XX/XX/2018. 

Credit accounts disputed XXXX Late payment ( s ) disputed XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 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: VA

Complaint narrative:
On XX/XX/XXXX, I was alerted to a collection account on my credit report. This account has been paid. The amount of XXXX has been paid to XXXX, The original source.

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 2018-10-12 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: VA

Complaint narrative:
On XX/XX/XXXX, I was alerted to a collection account on my credit report. This account has been paid. The amount of XXXX has been paid to XXXX, The original source.

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 2018-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc.
State: CT

Complaint narrative:
I sent a letter to diversified consultants to dispute a debt that they claimed that I owe them. They sent me back a bill with my name on it from XXXX. This bill had my name on it but no proof of signature. I asked them to verify that the bill was mine and the company didn't respond. They were given their 30 day grace period to mark the collections account as disputed, which they failed to do. The company had also dropped off of my credit report and returned back on without any validation of verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX, account number XXXX is wrongfully appearing on Experian, XXXX  and XXXX  credit bureau reports.I opened the account in XX/XX/2015. 
The payments made for this account were for usage and a XXXX XXXX  XXXX phone. 
All payments were made on time because I used auto-pay.At the completion of the contract I was on the phone with a XXXX Rep. , settling the account.He tried to sell me a newer phone, a newer Note for $ XXXX.I said I WASN'T INTERESTED but there was Sales Persistence.Finally he said we will cancel everything and I WILL NOT BE CHARGED.I kept the same phone number and transferred it to Team mobile. 
This entire account is fraudulent.I owe nothing.

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 2018-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My issue is related to an American Express Business Credit Card. I have been enrolled in a credit monitoring service for years. I never received any notification of a credit application, or an account in my credit report, nor did I ever receive a card, bill, or notice. Out of nowhere, I get dinged by AMEX and my credit score drops 160 points for a credit card default of {$15000.00}. I call AMEX and they will not provide me with any statements, any mailing address/email address information on the account, or if any payments had ever been made and by whom they were made. They tell me that I am personally liable for this debt. They also told me that AMEX Business Credit does NOT report to any credit agency UNTIL an account is in default. In this day and age, how is this possible? There needs to be some regulation that any credit account ( personal or BUSINESS ) that requires the credit bureaus be notified of an application AND the account posted to the " guarantors '' credit report. AMEX is NEGLIGENT in this matter. They need to remove this debt from my credit report, and my credit score needs to be reset to it's prior value immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On the following dates XX/XX/2018 and XX/XX/2018, I drafted and mailed dispute letters to TransUnion in regards to inaccuracy that they are reporting on my credit profile. The accounts are as follow ; XXXX - Closed XXXX - Closed These two accounts are reporting late each month though they are actually closed.

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 2018-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have tried unsuccessfully to reach a live person in customer service to assist me at Experian. I have not been able to obtain a free credit report from them - ever. I called today numerous times at numerous numbers available on the internet and their site and was never able to speak to a live person even after entering my social security number, zip code and house number several different times. XXXX and XXXX   were awesome and very helpful and I got what I needed. Experian makes it so you never speak to a human being I am told. They want you to send your personal info through the mail and if lost, not their problem. They open you up to identity theft. How do I speak to a human at Experian regarding my credit report and placing a freeze on it. Their site is not helpful in addressing my questions either. Very user unfriendly. Please help me. Thank you.

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