vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-21 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: GA

Complaint narrative:
Since XX/XX/22 to the present date, I have been trying to get transunion to stop reporting inaccurate information which has been harming my credit score and seriously impacting my finances. I have never given permission for any company to inquire about my credit status. the inquires that transunion is reporting are unauthorized and needs to be deleted. Two out of three reporting companies are reporting accurate information transunion is the only company that is reporting inaccurate information and it needs to stop. Upon countless requests for them to stop reporting inaccurate inquires I have be told from managers that represents their company that they will not help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I hired a moving company to move me from XXXX XXXX to XXXX. The company did not provide a truck large enough to accommodate my move despite upping the estimate the day before. The truck they sent from a third-party vendor was almost completely full and would not have even accommodated the original estimate. They said they were looking for another truck that had the space and would let me know. Instead, they left without telling me anything. They said they would reschedule a move to another date when they could get the truck but that was not the date I agreed to and had to get my things out the day we scheduled. I had to hire another moving company which cost me twice as much on short notice. They said they would refund my money and never did. Then they offered me {$600.00} off the {$1800.00} it cost me and I said that wasn't good enough so I filed a dispute with the bank. The dispute was denied and now because I filed a dispute the company is no longer willing to give me the {$600.00} back and is mocking me because my bank " doesn't even have my back ''. The {$600.00} is still not enough but better than nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Once again I submitted a complaint about Experian not investigating account on my credit report and they responded to you all and said they were still investigating the account just for them not to and respond by saying they updated my information. which I did ask for I have documents that show inaccurate dates on this account which should cause for a removal. If they cant do their job I will be filing a law suit against them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: GA

Complaint narrative:
I recently reviewed my credit report and after sending letters and ftc reports to the credit reporting agencies I still see the fraudulent accounts on my credit report. I have listed all the accounts that do not belong to me and I've attached documents that were sent but never received a response. 
-XXXX XXXX XXXX XXXX XXXX$440.00} XXXXXXXX XXXX {$1800.00} XXXX XXXX XXXX {$520.00} XXXXXXXX XXXX {$3400.00} XXXXXXXX XXXX XXXX XXXX I sent dispute letters and ftc reports about these accounts . I didn't receive a response from the agencies regarding these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21 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: GA

Complaint narrative:
I recently reviewed my credit report and after sending letters and ftc reports to the credit reporting agencies I still see the fraudulent accounts on my credit report. I have listed all the accounts that do not belong to me and I've attached documents that were sent but never received a response. 
XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX {$1800.00} XXXX XXXX XXXX {$520.00} XXXX XXXX  {$3400.00} XXXX XXXX XXXX XXXX I sent dispute letters and ftc reports about these accounts . I didn't receive a response from the agencies regarding these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently reviewed my credit report and after sending letters and ftc reports to the credit reporting agencies I still see the fraudulent accounts on my credit report. I have listed all the accounts that do not belong to me and I've attached documents that were sent but never received a response. 
XXXX XXXX XXXX XXXXXXXX {$440.00} XXXX XXXX  {$1800.00} XXXX XXXX XXXX {$520.00} XXXXXXXX XXXX {$3400.00} XXXXXXXX XXXX XXXX XXXX I sent dispute letters and ftc reports about these accounts XXXX I didn't receive a response from the agencies regarding these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FC HoldCo LLC
State: TX

Complaint narrative:
On XX/XX/2022 XXXX XXXX XXXX XXXX XXXX  We purchased a used vehicle together in XX/XX/2022. I was not able to pay the note due to the fact I have XXXX XXXX and have not been able to work. I was not working when we purchased the vehicle. My XXXX and I XXXX XXXX XXXXXX/XX/2022. During the XXXX  I had spoke with the finance company and explained to them the situation. I asked if there was a way to get an extension or roll the payment to the end of the note. I was told they could offer me no help till there had been XXXX payments made on the vehicle. They proceeded to call me daily XXXX XXXX XXXX times a XXXX and called even after they were spoken to. They have called my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as well. Even after we have spoken to them. My XXXX  and I made XXXX payment on XX/XX/2022. The finance company started calling us on the XXXX about being XXXX XXXX past due on XXXX 's payment. We had setup payment arrangements with them to get the payments caught up. They have proceeded to call both my XXXX and myself XXXX to XXXX XXXX XXXX XXXX. We have spoken with them a XXXX times and told them we had payment arrangements setup and we were told that they would continue to call us till the account was current or we gave them a credit card number or bank account information to charge our account. We no longer want the vehicle because we are tired of the harassing phone calls XXXX XXXX XXXX XXXX XXXX XXXX. We would rather have our credit ruined than to deal with this finance company anymore.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2022, I called XXXX, XXXX, and Equifax to dispute incorrect and inaccurate personal information in my credit file, causing serious risk to the security of my personal information/identity, including my credit report ( s ) being mailed to inaccurate addresses. 

With XXXX and XXXX, I verbally confirmed my personal information would be corrected, and inaccurate, incomplete, or unverifiable personal information would be deleted, with an updated copy of my credit reports mailed to my current address after corrections and/or deletions. 

With Equifax, I verbally confirmed all my personal information would be corrected, and inaccurate, incomplete, or unverifiable personal information would be deleted. I also verbally verified the time it would take for the updates, was provided confirmation numbers for each item ( i.e., name, address, phone number, employer ) and requested an updated copy of my credit report mailed to my current address after corrections and/or deletions. 

Attached are documents showing the only, and 100 % correct, personal information that should be on my credit reports, with notes of corrections and/or deletions from the verbal conversation written on each. 

On XX/XX/2022, I viewed my credit reports from XXXX, XXXX, and Equifax online, and my personal information section still contains inaccurate, incomplete, and outdated personal information, putting the security of my personal information/identity at severe risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
Allied Business Group ( also calls me under the name of XXXX XXXX ) sent a debt collection letter giving me until XX/XX/22 to dispute. The supposed debt amount is {$1700.00}. 

I sent a notarized debt validation request letter on XX/XX/22 via USPS Priority Mail requesting validation amongst other things, and requested they do NOT contact me via phone until validation is sent to me. According to tracking it was delivered to the correct address XX/XX/22. 

They have persistently called and texted under these two names ( same phone number ) and failed to provide validation of this supposed debt within 30 days, or at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: National Account Systems of Omaha, LLC
State: CA

Complaint narrative:
I was served by certified mail, a Court Summons by NATIONAL ACCOUNT SYSTEMS OF OMAHA LLC, assignor of XXXX XXXX, in the State of Nebraska ( XXXX XXXX ). I am a resident of California ( XXXX XXXX XXXX ). The pursuit to collect an alleged debt in the amount of {$27.00}, XXXX has not been verified by the NATIONAL ACCOUNT SYSTEMS OF OMAHA , LLC. I would like to request validation. Validation of aggregated value of account, forward floor agreements, bill of sale, original documentation etc. Also, I have filed a complaint with XXXX XXXX XXXX XXXX Attorney General 's office because NATIONAL ACCOUNT SYSYTEMS OF OMAHA LLC is in violation of consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear Credit Bureaus Accounts Disputed Listed Below : XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX  Account XXXX XXXX 

XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX. 

After reviewing my credit report I must inform you that I am NOT responsible for the above listed account as I have been a victim of identity theft. 
I have already notified both my local police department and the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. Please delete the accounts from my credit report immediately! 
Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21 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: FL

Complaint narrative:
Dear Credit Bureaus Accounts Disputed Listed Below : XXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX 

XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX. 

After reviewing my credit report I must inform you that I am NOT responsible for the above listed account as I have been a victim of identity theft. 
I have already notified both my local police department and the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. Please delete the accounts from my credit report immediately! 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Kirschbaum, Nanney, Keenan & Griffin, P.A.
State: MD

Complaint narrative:
During the course of dispute of this alleged debt Kirshbaum, Nanney, Keenan & Griffin, P.A. attorney XXXX XXXX asked to pull my credit report and was told no because are not a creditor of mine. However, I've learned they fraudulently pulled my credit report multiple times the last date being XX/XX/2020, through XXXX Credit bureau claiming I applied for credit for an installment loan or bank account. Please see attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
previously distributed capital one account date opened XX/XX/XXXX with a balance of {$4100.00}. 
results came back stating account previously and dispute not resolved reported by data furniture to the use for XXXX bye experian while XXXX XXXX report dispute result reported by grantor, I strongly disagree with investigation results. Capital one continues to report factually incorrectly. previously account reported payment history with OK as agree all the way from XX/XX/XXXX through XX/XX/XXXX with perfect payment. While the last payment report for XXXX with XXXX and XX/XX/XXXX with XXXX and XXXX. Payment history was not making no sense with what was being reported on date last payment. After I disputed account, payment history delete ok as agreed and replaced it with consecutive charge off as if it was some sort of payment method. payment history does not match what was being reported on the last payment. Account has deleted data from the last payment. This is not acceptable information can not just be deleted like nothing on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/, {$190.00} was withdrawn from my credit card by Bank of America. This was a credit balance from over paying what I owed as I had a fee reversed late in the previous month from a canceled flight transaction. I expected that it would be credited to my checking account where it came from but it never was, so I put a call across and was told to wait for some days before I get credited. 

Weeks and months passed, yet I did not get any, so I called several times and got varying explanations from different customer contact agents on the whereabouts of my funds. One told me a check was issued to my address and had been cashed, so I asked that a copy of the check be made available and details of the person who made it. I was asked to stay on the line and then was cut off. When I called again about 3weeks ago, I was transferred to the fraud dept who confirmed that no check was issued, but that they would send correspondence to the appropriate office to do the needful. She specifically told me that it was against banking ethics to : a. mail out a check to me without my consent and b. perform a debit entry without a corresponding credit entry ; which in this case should have been my checking account where all the credit emanates. 

Up until today, nothing has been heard from Bank of America, hence this complaint. Please, help me investigate this. If true that a check was sent to my address, I would like to get to root of who cashed it and how possible it was for someone other than me to do so. My account is always in credit at the end of my credit cycle, and this has never happened ; so why did they choose to take out my money at that time and that's the only time this has occurred. I don't think this bank can be trusted as I have been their very valued customer for years now. 

Please, help me get my funds back as you are my only hope. Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: Westlake Services, LLC
State: GA

Complaint narrative:
Several different companies have made inaccurate credit inquires upon my behalf ; There not recognizable by me at all. I know for a fact I did not complete them and would like them removed immediately. The inquires are as followsXXXX XXXX XXXX XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX ON XXXX XXXX XXXX XXXX XXXX XXXX ON XX/XX/2022, XXXX XXXX XXXX XXXX  ON XX/XX/2022, XXXX XXXX XXXX ON XX/XX/2022, XXXX XXXX XXXX XXXX XXXX ON XX/XX/2022, XXXX XXXXXXXX XXXX XXXX XXXX  ON XX/XX/2022, AND LASTLY XXXX XXXX XXXX XXXX XXXX ON XX/XX/2022.

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