vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-09 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:
there are fraudulent inquires listed on my credit report, i am writing this to delete and remove those things off my report. i am a victim of identity theft i've already sent letters to try and solve this problem and it is heavily affecting my life. I've included my FTC report and identity theft affidavit along with the letter that I've sent to the 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 2021-07-09 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: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: NY

Complaint narrative:
On XX/XX/2021 I sent out a letter to the three bureaus about the personal information on my report. I listed my correct information and requested them to remove all other personal items on my report. Its been 2 months since I sent this letter and they have yet to make any changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Pendrick Capital Partners
State: TN

Complaint narrative:
Whenever I receive calls from Affiliate Asset Solutions, I answer the phone and say, " Hello, this is XXXX speaking '' and I get no response. I say " hello? '' a few times and then they disconnect the call. This occurred twice today, on XX/XX/2021, at XXXX and again at XXXX ( XXXX time zone ). I called them back after the second incident to confirm they only have one debt on file with me. From my understanding of the Fair Debt Collection Practices Act, it's a violation to call me twice in one day. I'm attaching screenshots of my phone to confirm this account of events.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: RateGenius Loan Services Inc
State: CA

Complaint narrative:
I have called, faxed, and mailed in a FTC report in attempt to remove these fraudulent inquiries, but XXXX  will not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Complaint : I Have sent out TWO hard inquiry validation letters to lenders on my credit report requesting that they show proof that they have the legal right to be on my credit reports. The dispute was dated, notarized, and sent via certified mail and in accordance with the FCRA Section 616, Section 617, Section 609, and Section 611 which states if the UNVERIFIED items listed below are not deleted immediately. I Have been ignored with each request by This bureau only. This company has held me back from moving forward with my life and refuses to offer verification for my detrimental setbacks after they received my dispute they " Verified my account on XX/XX/2021 without proper validation. I do believe this is a prejudiced response.

( REPLACE EXPERIAN WITH XXXX  WHEN YOU SUBMIT A COMPLAINT TO XXXX, THAT IS THE ONLY TEXT YOU WILL NEED TO CHANGE ) Solution : I am demanding that ( lender or bureau ) remove their accounts from all 3 of my credit reports if they fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2021-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have written letters to ALL 3 bureaus to REMOVE this Bankruptcy on my credit report, they do not respond. 

I have NEVER FILED any bankruptcy EVER!!!!!!!!!!!

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 2021-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: OR

Complaint narrative:
I had a savings, checking, and credit builder acct with Chime and had my unemployment being direct deposited. Last week a day before my deposit was set to post Chime froze and then closed my acct without any explanation and refuses to return my money. I had {$240.00} in my savings and then I had my direct deposit of {$200.00} & {$300.00} put into my checking and credit builder Acct

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/21 I made a purchase at XXXX on XXXX XXXX XXXX in XXXX. The sales associate asked me if I wanted to get a rewards card that can be used only in the store to accumulate points. I repeatedly told him I did not want a credit card and confirmed by direct question that it was in fact not a credit card. He assured me multiple times that it was not a credit card but rather a rewards card. We had this back and forth numerous times. After I applied for this reward card, I handed him my own credit card to make the purchase. Subsequently, I learned that a Mastercard had fraudulently been opened in my name when I received a bill and that my own credit card that I handed him was never charged.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have previously disputed a XXXX XXXX Bankruptcy dismissed with Transunion on XX/XX/2021 and XX/XX/2021 file # XXXX and in response Transunion 's response to my dispute they verified the item as accurate, stating that they have verified the information with the court. I contacted the court, and their response is attached. It is clear they do not report to you or to any credit bureau for that matter ; therefore, your original response verifying the item with the court was either an error or a lie. 

Based a phone call with Transunion, they stated that they use XXXX as a third party data furnisher. XXXX stated that they have removed the the bankruptcy. That document is attached. 

Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C 1681 ) and the information must be deleted immediately.

My Rights Under the Fair Credit Reporting Act state that Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days.

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 2021-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2021 I sent out a letter to the three bureaus about the personal information on my report. I listed my correct information and requested them to remove all other personal items on my report. Its been 2 months since I sent this letter and they have yet to make any changes.

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 2021-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Complaint : I Have sent out TWO hard inquiry validation letters to lenders on my credit report requesting that they show proof that they have the legal right to be on my credit reports. The dispute was dated, notarized, and sent via certified mail and in accordance with the FCRA Section 616, Section 617, Section 609, and Section 611 which states if the UNVERIFIED items listed below are not deleted immediately. I Have been ignored with each request by This bureau only. This company has held me back from moving forward with my life and refuses to offer verification for my detrimental setbacks after they received my dispute they " Verified my account on XX/XX/2021 without proper validation. I do believe this is a prejudiced response. 




( REPLACE XXXX  WITH XXXX WHEN YOU SUBMIT A COMPLAINT TO XXXX THAT IS THE ONLY TEXT YOU WILL NEED TO CHANGE ) Solution : I am demanding that ( lender or bureau ) remove their accounts from all 3 of my credit reports if they fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2021-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I submitted a complaint against TransUnion on XX/XX/2021 because incorrect and outdated negative information was being reported by TransUnion even after I provided supporting documentation. A supervisor even admitted that they had received updates from the lender to delete the information but refused to do so because of a unrelated pending dispute. 

Part of the original complaint was that TransUnion was factoring a paid collections account into my VantageScore 3.0 in direct conflict to information regarding the scoring model on their website and listed on various other consumer sites. 

Today after positive information was added regarding my newly transferred active student loans which were previously in default my score dropped XXXX points. There was no negative information included in any way shape or form and should have increased my score since o have no delinquencies or collections on my account. As far as research I was able to study the XXXX XXXX is calculated as such : Payment history- XXXX XXXX Credit utilization : XXXX XXXX Credit age : XXXX XXXX Credit mix : XXXX XXXX New credit or inquiries : XXXX XXXX 

Today I received an email from TransUnion regarding how my score is calculated, which I do not believe is a coincidence since it should have improved not gotten worse. Ive attached screenshots from that email. After searching the web for hours I could not find any published information regarding this version of VantageScore 3.0 It goes as follows ; Payment history : XXXX XXXX  Age and type of credit : XXXX XXXX XXXX of credit limit used : XXXX XXXX Recent credit : XXXX XXXX  Available credit : XXXX XXXX  I believe this change to how my credit report is being scored is a direct retaliation for submitting a complaint to CFPB. I have searched credit forums, message boards, knowledge base articles and can find no reports of a similar scoring system being represented as VantageScore 3.0. There needs to be an investigation and consequences for what I see as a blatant attempt to sabotage my financial stability and punish me directly for submitting a CFPB complaint.

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 2021-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have written letters to ALL 3 bureaus to REMOVE this Bankruptcy on my credit report, they do not respond. 

I have NEVER FILED any bankruptcy EVER!!!!!!!!!!!

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 2021-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NJ

Complaint narrative:
I have written letters to ALL 3 bureaus to REMOVE this Bankruptcy on my credit report, they do not respond. 

I have NEVER FILED any bankruptcy EVER!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: NY

Complaint narrative:
On XX/XX/2021 I was contacted by postcard which is a violation of 15 usc 1692b ( 4 ), about a monthly payment. As I read the postcardThere was obscene and profane language which is a violation of 15 usc 1692d ( 2 ), also never stated that I want to do it which is a violation of 15 usc 1692e ( 11 ). I felt threatened by the post card which is a violation of 15 usc 1692d ( 1 ). There are multiple addresses on the postcard which is a violation of 15 usc 1692f ( 8 ). They do not use the name of the original debt collector which is a violation of 15 usc 1692e ( 14 ). And there is no law that states you have to pay a debt which is a violation of 15 usc 1692f ( 1 ). I have also sent over to them affidavit of truth notarized with exhibit all the violations and an invoice

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
i had unauthorized transactgions on XX/XX/2021 frfom XXXX for XXXX. i also had requested for a refund for XX/XX/XXXX at the XXXX  airport for {$130.00}. My Bank of America account i disputed both ( 2 ) tranactions. While Bank of America ( BOA ) did their investigation the bank credits yoiur account for the amount of the tranaction. 

On XX/XX/2021 i looked at my BOA bank account and i was negiticve XXXX. I csall BOA customer Service at XXXX XXXX XXXX and i was transfered to the fraud/disputes department. I was explaining the situation to the agent and he was rude and eventually hung up on me. 

This is not the first time this has happened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-09 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: Shellpoint Partners, LLC
State: MA

Complaint narrative:
NEW RES-SHELLPOINT MTG Account XXXX Deleted This item was removed from your credit report. Please review your report for the details. 

The Credit Report Agency did not Deleted after the Bank send Deleted From file as you see thank you.

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 2021-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: AZ

Complaint narrative:
Loan Depot - The Loan officer pressured me to provide PII ( Personally Identifiable Information ) and asked me for money through XXXX. She ran my credit XX/XX/2021 ( hard inquiry ) after I gave her the appropriate information about my cash-out refinance. 3 business days later XX/XX/2021 I had to call her and she acted like she didn't know me at first but found my information. She said since " I didn't respond '' the loan was denied and she had to get it re-instanted. Anyways she ghosted me and all I demanded was a Loan Estimate as she should provide. No she has refused providing me the Loan Estimate while demanding PII and money from me. This is PREDATORY LENDING. 

XXXX XXXX Licensed Lending Officer - Loan Depot NMLS # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: CBC Companies, Inc.
State: CA

Complaint narrative:
There is an account listed on my credit report with Innovis that is not mine. 

It is with XXXX XXXX XXXX  and the account number is ending in XXXX. 

I have disputed this incorrect information with XXXX XXXX XXXX and Innovis. 

It has been deleted from all credit bureaus except Innovis continues to report incorrect information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Someone stole my identity and opened many accounts without my permission or authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: CITIBANK, N.A.
State: WI

Complaint narrative:
In 32 YEARS my credit history every single account, including credit cards for large and small purchases, a mortgage obligation, equity line of credit, all of these were paid on time NEVER a missed or late payment. 

For 2 months, I was not able to receive or reply to mail and not able to access communication online, as I was camping and consumed with searching for a home to buy. It was only after I purchased and moved in to my new home that I became aware of the overdue account. I immediately called the credit department at Home Depot, requested and was granted the elimination of late fees, paid the {$17.00} for the flashlight and closed the account. 

With that history of ALWAYS paying credit obligations ON TIME, why would I jeopardize my excellent credit history and PURPOSELY be late on a purchase of a {$17.00} flashlight? 

Home Depot and their bank, Citibank, are making a mountain out of a molehill. Based on my circumstances, it is extremely unfair and a miscarriage of justice to flag my credit history with a late charge and drop my credit score by 100 points for an overlooked {$17.00} charge. Im asking for some COMMON SENSE to be applied in my individual case and for Citibank to remove the negative 30 day late notification and inform the credit agencies that my record is spotless. 

Fairness = equitable = morally right. 
Legal : Relating to the general principles of justice that correct or supplement the provisions of the law. 

THE FAIR CREDIT REPORTING ACT ( FCRA ) [ 15 U.S.C. 1681 ] 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. 
Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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