vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-17 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

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 2022-02-17 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE

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 2022-02-17 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I have a loan with CREDITACPT with the account number XXXX. I have always made my payments on time yet there was a 120-180 days late stating in the payment history. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I've already tried contacting the 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE FROM MY REPORT IMMEDIATELY.

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 2022-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hello- I have multiple business bank accounts with Chase. I opened up a new account for a property refinance. The account was opened last week and I was sent a wire for {$350000.00} on Tuesday. The wire has not hit my account and Chase 's wire department has frozen the funds. When I call Chase they send me around every department telling me the wire department doesn't have a phone number and they can't get any answers from them. My money is now frozen arbitrarily without any access to it. 

The worst part is this is now the second time this has happened at Chase. It was the same exact circumstances the first time around where I opened an account for a refinance. It took 2 weeks for the issue to be cleared up and they promised it would never happen again. Unfortunately I believed them and tried this a second time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Associated Collectors, Inc.
State: WI

Complaint narrative:
I contact collection company in order for them to provide me proof of debt the fail to dispute the account with the credit agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: FL

Complaint narrative:
I was checking my credit report, there are so many negative information. I told you, these information do not belong to me. Im sure that someone have my personal information.

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 2022-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONGRESS COLLECTION CORP
State: MI

Complaint narrative:
My name is XXXX XXXX XXXX and It seems that I have an account which is not familiar to me. I believe I may be a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I decided to look at my credit reports from the XXXX credit bureau and found that this CONGRESSCOLL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) with the account number XXXX. It was reporting to be negative on XXXX. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to XXXX but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: IL

Complaint narrative:
I am a victim of identity theft pursuant to 15 U.S.C 1681a ( q ) ( 3 ). I filed an identity theft report on XXXX XXXX, XXXX. There are inquires being reported on my consumer report by Experian. There is an inquiry from XXXX Bank on XXXX, XXXX, XXXX and are XXXX inquires from XXXX XXXX XXXX Bank on XX/XX/XXXX and on XXXX, XXXX, XXXX. I did not give written consent to have these inquires reported. I made Experian aware of this by sending off supporting documents via certified mail on XX/XX/XXXX. The supporting documents included a copy of my license, for identification purposes, a copy of my XXXX for proof of address, a screenshot of my consumer report that shows the inquires, the identity theft report, an Affidavit, and a letter.

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 2022-02-17 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: TX

Complaint narrative:
On XX/XX/XXXX, Transunion replied to me with their method of verification on two bankruptcies that they are reporting on my credit report. They stated that I needed to visit their website to find out the identity of their third- party vendor who verified the two bankruptcies ( see attached report ). I visited the website and found out that XXXX XXXX is the third- party vendor who Transunion claims to have verified the two bankruptcies as reporting accurately. However, XXXX website states to contact @ TransUnion in the event a consumer suspects their bankruptcy is not reporting accurately ( see attached ). Transunion states for the consumer to reach out to XXXX ( see attached ) So, really no one has verified these two bankruptcies that are reporting on my credit report. Transunion collects data from XXXX who is regulated under the FCRA and XXXX for public records who get their information from XXXX who does not report full social security numbers so again Transunion is lying. I reached out to XXXX and found out that as of XX/XX/XXXX, XXXX removed the two bankruptcies from their consumer report after their reinvestigation. So, clearly Transunion has NEVER VERIFIED these bankruptcies though XXXX or 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 2022-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc.
State: TN

Complaint narrative:
I receveid a copy of my credit report and found the following account that does not belong to me : FIRST FEDERAL CREDIT CONTROL, original creditor XXXX XXXX XXXX XXXX. I contacted the original creditor and explained that this debt is not mine. They agreed and told me I would need to contact the collection agency that is handling the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
We spoke with Chase when they closed the account. My husband has been a very long time loyal customer to Chase. He always made on-time payments. We were shocked they closed the account. We fought with them about this matter and explained the impact he had with no over time at his work anymore wish was a financial burden but also for health reason he had to take a lower paying hourly job as well. We also were hit with the Pandemic. We have tried to work with Chase in regards to closing the account but couldn't get anywhere. We have tried to work with them on payment arrangements but they won't speak to my wife on my behalf to set them up. We also feel that since they took away our credit privilege 's ( closed account ) without notice or for no reason we have chosen to not make payments until this issue is resolved. For someone who has been a valued customer without any issues to the account until the last few years this is wrong. There is no reason to treat a valued customer like this. We have also written a letter to have a file with them for my wife to speak on my behave to find that there is no letter and they will not allow collections to speak with her. We have also called them to be hung up on and to listen to the rep hold the phone without saying anything while caring for children.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Accurate Background
State: WA

Complaint narrative:
I applied at XXXX and went through a background check with Accurate Background. It began on XX/XX/XXXX and I received a copy of the report on XX/XX/XXXX. The report said that I was found guilty of a crime ( felony misdemeanor ). This report was also sent to the employer. I immediately disputed the report as it was inaccurate. I provided undeniable proof that I was not convicted of said crime the report categorized me as guilty of. I have not been able to reach the dispute team but I was given an email and have yet to get a response. They told me the process is that they will send XXXX a notice saying Im disputing information and they will reinvestigate. I have not been given a timeline or an eta on when the matter will be resolved. This will undoubtedly lead to lost wages due to the delay. Also, because I was not convicted of a crime at all and they reported that I was convicted, it leads me to believe that the team who put the report together were not careful and it could have a real impact on XXXX decision to hire me. If I did not have make sure to check the box to receive a free copy of my report, I likely would not have ever known because I received no call. In my application when I was asked if I had been convicted of any crime in the past 7 years I answered no, so if they thought they found a conviction I should have been contacted before they sent the report to the employer, possibly damaging the work relationship that Im trying to establish. This is very upsetting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Distributions from XXXX to my XXXX at Suntrust going through transition to TRUIST, are inaccurate and do not agree with 1099r forms submitted by XXXX. Also, Suntrust merged my checking and XXXX account without my permission. They supposedly do not have records from XXXX to XXXX but I have records. 

Some of the checking disbursements can not be verified. 

Customer service does not exist. Even if someone answers a phone which is rare, they provide no assistance. There are many XXXX  complaints about the bank from BBT and Suntrust customers who merged with TRUIST. When they complete the transition by XX/XX/XXXX, the former records will not be available and it would be a travestry. 

We need assistance.

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 2022-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: OH

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: PNC Bank N.A.
State: NY

Complaint narrative:
Hello, my name is XXXX XXXX. I have had a claim with you guy in the past about a XXXX vehicle the back was changing me for well since that all got settled I see on my credit report I keep missing payments? I havent missed a single payment from any bills so Im thinking if it still has to do with the car situation. So if you guys could look into that for me that would be great I just dont understand why my credit is being destroyed over missed payments when Ive paid all my bills on time?

Company response to consumer: Closed with explanation