vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-16 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: TX

Complaint narrative:
I have notified Transunion in writing that I DO NOT CONSENT TO E-OSCAR or any automated investigations. I making that clear to you CFPB and TransUnion. If I need to report this matter to the FTC I will with no hesitations. Yes, I XXXX XXXX XXXX XXXX XXXX am filing this complaint for myself. I know that you all try to stall process thinking a consumer has another company submitting for them, but I have enough sense to file a complaint for myself. 
In XX/XX/2022 I filed a dispute with Transunion regarding late payments being inaccurate on my credit report with XXXX XXXX. I have continuously tried to correct this issue with Transunion and have not been successful. Today XX/XX/2022 I have submitted a dispute online and have uploaded my documents for proof of my payment history that I have received from a member of management from XXXX XXXX in person. When calling in to TransUnion today XX/XX/2022 I spoke with a XXXX supervisor regarding XXXX XXXX account as well and she said that she didn't see any lates, well if she doesn't see any lates then why are they reporting them on my credit report.

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 2022-02-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
Ability Recovery Services LLC at XXXX box XXXX XXXX, PA XXXX has been sending me collection notices in the amount of {$3800.00}. The collection has been reported as a past due balance. I am not aware of this company and I have never done business with this company. This company does not have a contract with my signature. When I requested validation of this debt, they provided me with an erroneous document that showed a balance owed of {$3100.00} which is completely different from the balance they are stating is past due ( {$3800.00} ).

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 2022-02-16 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: CA

Complaint narrative:
My name is XXXX XXXX and I am submitting this complaint without any influence from and third party or agency. Please see attached documents and ID ad it contains my full complaint request.

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 2022-02-16 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: CA

Complaint narrative:
My name is XXXX XXXX and I am submitting this complaint without any influence from and third party or agency. Please see attached documents and ID ad it contains my full complaint request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation
State: NV

Complaint narrative:
I purchased a XXXX XXXX XXXX from XXXX in XXXX. They arranged financing through their preferred lender, Bridgecrest. ( Bridgecrest is owned by XXXX XXXX XXXX, a XXXX, XXXX -based used-car dealer. XXXX was spun out of XXXX ) I made regular payments to Bridgecrest on the car and paid it off XX/XX/XXXX. I have not received the title and it has been over a year. I have contacted Bridgecrest, XXXX and the NV XXXX multiple times and have gotten nowhere. Bridgecrest states they have released the title twice. The XXXX states that the lienholder listed on the title is actually XXXX and they will not send the title to me with a lien release from Bridgcrest as they have XXXX listed as lienholder. XXXX refuses to address my concerns and instead insists it is the bank, Bridgcrest 's issue to resolve. I have a car that I have spent over {$25000.00} and no tile after a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian removed my XXXX account sometime between XX/XX/XXXX and XX/XX/XXXX, so my credit score went from XXXX to nonexistent. The account is not even reported as closed which would have given me a lower credit score but still a credit score that exists. The account has been completely removed from my credit report. I called Experian. They said to call XXXX to check the information on my XXXX account and report the account to Experian. Then, Experian will update my credit report. I called XXXX. They have the correct information on my XXXX account, so it does not make sense why Experian is not reporting the account. XXXX says they report daily and will report again tomorrow. Next, I try to get my Experian credit report to verify that my XXXX account has been readded. My online Experian account at https : //usa.experian.com/ will not let me refresh my credit report without paying Experian {$24.00} a month. I called Experian and they said they would mail me my credit report. Since then, I still have not received my credit report. Why could they not just refresh my online Experian account 's credit report? I know Experian has the ability to instantly refresh my online Experian account credit report because they literally charge {$24.00} a month to do so. Instead, they are making me wait who knows how long for the credit report to come in the mail. Wait actually they refreshed my online Experian account credit report on XX/XX/XXXX, but it is still missing my XXXX account. They did not fix anything. Now they will just respond to this complaint with a generic copy and paste response telling me to contact Experian by phone to resolve this issue.

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 2022-02-16 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: Bread Financial Holdings, Inc.
State: RI

Complaint narrative:
I have reached out to XXXX numerous times however these fraudulent accounts are still inaccurately reporting on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with Consumer

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 2022-02-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/2022 i recieved a notice on my XXXX app for a inquiry for XXXX XXXX XXXX XXXX On XX/XX/2022 I called XXXX BK which is who requested the inquiry at XXXX with my concerns. They suggested that i go get a police report to make a fraud report. But also informed me that no account was approved. I went to police station to make claim. And the police informed me that if no account has been open, then theres no crime of fraud. On the credit report it shows the address used and it was XXXX XXXX XXXX XXXX Illinois. I further reserched that address and it doesnt even exist. Theres XXXX and it jumps to XXXX for some odd reason. But I never lived there. A few weeks later i recieve another alert for US bank on XX/XX/XXXX in which i didnt 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 2022-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
XXXX XXXX XXXX from XXXX XXXX Bank scammed me into an investment via XXXX and when I found out that it was a scam, I sent all necessary documents to TDBANK  and XXXX with hopes of them working things out to recover my funds but so far nothing has been done about it. I have provided both financial institutions with proof but they havent responded to me positively.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: TX

Complaint narrative:
On XX/XX/XXXX I filed a claim with Chase Bank ( Claim ID # XXXX ), in the amount of {$840.00}, which was charged to my checking account ending in XXXX, by merchant XXXX on XX/XX/XXXX. 

The claim involved a suspension lamp purchased from XXXX. The product was XXXX XXXX merchandise previously purchased, opened, and returned by another customer. 

The lamp I received on XX/XX/XXXX, was broken and defective. I called XXXX to arrange a return, and was promised, on two separate occasions, that return instructions would be sent to my e-mail. 

The instructions were never sent, so Chase was notified and a claim was submitted. On XX/XX/XXXX, Chase sided with the merchant and closed the investigation. 

According to several claims supervisors and representatives, XXXX DID NOT provide evidence that return instructions were sent to me as promised. The documentation XXXX provided to Chase DID NOT address my complaint, was unrelated to my circumstance, and DID NOT provide proof of non-liability, according a Chase supervisor I spoke with on XX/XX/XXXX. 

Chases decision to close this valid fraud claim in the merchants favor is unacceptable. I will hold XXXX financially liable for damages should this issue not be resolved justly ( in my favor ) and my account credited back {$840.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: GA

Complaint narrative:
XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX : XXXX -- -> : {$4000.00} XXXX XXXX XXXX : XXXX -- -> : {$18000.00} XXXXXXXX XXXX : XXXX -- XXXX : {$9900.00} XXXX XXXX : XXXX -- XXXX {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: GA

Complaint narrative:
EXPERIAN, XXXX AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX : XXXX -- -> : {$4000.00} XXXX XXXX XXXX : XXXX -- -> : {$18000.00} XXXX XXXX  : XXXX -- XXXX : {$9900.00} XXXX XXXX : XXXX -- XXXX {$1700.00}

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: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently reviewed my credit reports and have found duplicate accounts that are affecting my credit rating showing on my credit file. I have disputed directly with XXXX, and Equifax over 30 days ago and they have failed to remove thesein accuracies. 

XXXX Professional Debt ME Acct # XXXX Showing duplicated three times Equifax XXXX XXXX XXXX Acct # XXXX Showing duplicated four times

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: EQUIFAX, INC.
State: CA

Complaint narrative:
Ran the Equifax report on XX/XX/15 and came across another name " XXXX XXXX XXXX '' XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX associated with my account, along with XXXX auto loans, XXXX from XXXX XXXX  XXXX XXXX. Already filed a police report, disputed the accounts, and contacted the banks. These charges are only reported through this credit reporting agency.

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have filed a dispute to have the information removed as it is inaccurate. It has not been removed with in a 30-day time frame.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had {$3400.00} scammed from me {$400.00} being on XX/XX/2021 and {$3000.00} ( XXXX separate transactions ) on XX/XX/2021. The information attached are the messages received by me from the scammer as well as the XXXX emails used, a phone number, and a fake phone number of XXXX XXXX XXXX and social security number to make the entire thing believable. I have made complaints to Wells Fargo, both in a Wells Fargo bank as well as through the consumer financial protection bureau, who failed to uphold the Electronic Fund Transfer Act ( EFTA ), Regulation E, and denying me reimbursement under the false pretenses. The entire interaction and results falls under the Electronic Fund Transfer Act ( EFTA ), Regulation E which grants me the right to be reimbursed by Wells Fargo to cover the loss.

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: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC
State: RI

Complaint narrative:
I have reached out to XXXX numerous times however these fraudulent accounts are still inaccurately reporting on my credit report.

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: ENCORE CAPITAL GROUP INC.
State: RI

Complaint narrative:
I have reached out to XXXX numerous times however these fraudulent accounts are still inaccurately reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: Coinbase, Inc.
State: TN

Complaint narrative:
Help me get my unclaimed Money

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 — Their investigation did not fix an error on your report
Company: Lending Club Corp
State: CO

Complaint narrative:
Lending Club is incorrectly reporting on my XXXX credit report as 90 days late in XXXX and XX/XX/XXXX. XXXX Lending Club loan number is XXXX. This reporting is inaccurate, I was in a hardship plan for XXXX and XX/XX/XXXX, see attached. XXXX XXXX XXXX wrongly returned my XX/XX/XXXX payment when funds were deposited for the proper amount, see deposit slip. As stated by a Lending Club representative to the XXXX  on XX/XX/XXXX, the payment for XX/XX/XXXX was put to the back of the loan. However, when I found out that XXXX XXXX XXXXXXXX returned my XX/XX/XXXX payment, I called Lending Club immediately and had to force a customer service representative to take my payment for the returned XXXX payment because they were not accepting it. This payment for XX/XX/XXXX was done on XX/XX/XXXX. On XX/XX/XXXX I made a payment for {$1400.00}, this payment was for XXXX and XX/XX/XXXX, they were not 30 days late, the extra amount was intended as an additional amount to pay off of the loan. I am attaching payments that were complete from Lending Clubs web site, Lending Clubs response to my XXXX  complaint, my XXXX  XXXX XXXX completed Lending Club payments, Lending Club hardship agreement, XXXX  XXXX XXXX deposit slip for XX/XX/XXXX, a current page of an XXXX report of Lending Club reporting. I am including all of this just in case Lending Club tries to report me any other month late that is incorrect. If you look at Lending Clubs response on the XXXX  complaint, Lending Club assumes my payment on XX/XX/XXXX was for XX/XX/XXXX, no it was not, my XX/XX/XXXX telephone payment was for the returned XX/XX/XXXX payment as I stated to the customer service representative, XXXX on XX/XX/XXXX. XXXX payment was deferred before the hardship agreement and is wrongly being reversed.

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: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I received a letter from TD Bank stating an application for a credit card was submitted under my name but that they required more information for the application, however I NEVER submitted an application for a TD Bank credit card. I called the XXXX number on the letter and eventually spoke with a provider rep who demanded my full social security number in order to investigate the application. I refused to give my SS # and asked that the application be identified by my name, date of birth, address, etc. as my social security number is private. The customer rep said that unless I provided my SS #, she could not help me. I informed her that disclosing my SS # is how identity theft starts in the first place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have been a card member for American Express since 2018 and was approved for XXXX credit limit. Out the blue they dropped me to a {$1100.00} credit limit but i wasnt provided an adverse notice about it. I received an email this morning from American Express about updating my income which i did and i submitted request via chat to increase my credit limit and i was denied. Without an adverse notice provided again. When i downloaded the results from my request i received a blank page. 

When i called and spoke with a representative she indicated that i was denied due to having other accounts with balances? But my balances on my other accounts were below 30-35 % When you are denied credit limit increase you are suppose to receive an adverse notice that explains the detailed explanation as to why the Decision was made and American Express didnt do that

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have reached out to credit bureaus to remove inaccurate information from my credit file, and it was not done with in a 30-day time frame

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: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I have requested debt. validation for multiple accounts on XX/XX/21 and XX/XX/21 from CMRE Financial Services , Inc ( XXXX XXXX XXXX XXXX # XXXX XXXX, CA. XXXX ) for accounts listed on my credit file. This company has failed to validate my dept. Instead of XXXX XXXX XXXX validating my dept., they sent my confidential medical records/procedures in response without a prior written release which I know to be a direct violation of my rights under HIPPA. I have never signed a HIPPA form authorizing them to have access to this information.

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have reached out to credit bureaus to remove inaccurate information from my credit file, and it was not done with in a 30-day time frame

Company response to consumer: Closed with explanation