vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-01 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: MI

Complaint narrative:
I have a been a Bank of America customer for well over a decade. Today I received a letter in the mail stating that my credit card, which I used as a backup emergency card for overdraft, was canceled. The reasons given were 'inactivity on this account, current or past delinquency, derogatory public records, and/or collection accounts, utilization of your credit is too high '. 

This is offensive on so many levels, especially considering I have been a customer in good standing with them for over a decade, I haven't used the card in a long time, and I have recently been laid off.

My credit score has dropped recently but nothing dramatic, XXXX. This will only hurt me, not help me. It gives me no agency, and will only worsen my score and my debt to credit utilization. This is such an incredibly unfair adjustment to my life without me having any say in the matter.

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 2020-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following information is outdated. I would like it removed from my credit history report XXXX Account Number : XXXX Please remove it from my credit report.

2. The following information is outdated. I would like it removed from my credit history report XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
3. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

4. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

5. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.

6. The following personal information is incorrect Account Number : Current Employer : XXXX XXXX XXXX 00 By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter.

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 2020-07-01 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:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

I demand that the following account be verified or removed immediately : 1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XX/XX/XXXX 3. Identity Theft XXXX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

6. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. Identity Theft XXXX  XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
12. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
13. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
14. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
15. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
16. Identity Theft XXXX Date opened XXXX XXXX, XXXX Account Number : XXXX Please remove it from 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 explanation
Consumer complaint received 2020-07-01 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:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

I demand that the following account be verified or removed immediately : 1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XX/XX/XXXX 3. Identity Theft XXXX/XXXX  XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. Identity Theft XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
12. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
13. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
14. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
15. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
16. Identity Theft XXXX Date opened XXXX XXXX, XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME. PLEASE KEEP IN MIND THE THE DEROGATORY ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT HAVE BEEN MADE BY 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 2020-07-01 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME. PLEASE KEEP IN MIND THE THE DEROGATORY ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT HAVE BEEN MADE BY 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 2020-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: NY

Complaint narrative:
Despite having kept my account in good standing and never having presented any security risks such as lost-stolen cards or transaction disputes in the past, Netspend has placed a freeze on all prepaid cards associated with my identity after attempting a purchase with the Merchant XXXX through a local ATM nearby my residence that is also within the same zip code. 

Since the declined transaction was placed on XXXX, It appeared that NetSpend had frozen all of my card accounts, taking away my ability to transact or access my available funds. Currently, I have more than {$4000.00} on deposit with NetSpend, which is connected to 2 different prepaid cards, all which have been frozen. 

After speaking to a Representative in the Risk Dept, I was told to send pictures of my State ID Card, Social Security Card, and a letter from state medicaid to verify my address. 

Since the request, I have sent all of the requested documents, plus my marriage certificate to verify my new Surname which appears on my State ID Card as XXXX, although on the rest of my documents appears my maiden name, XXXX. 

I had received an email immediately after my documents were emailed to XXXX which stated my document would be reviewed within 6 business hours. After 6 business hours, I had received an email stating that my documents were reviewed and forwarded to NetSpend 's risk department for further review and would be contacted soon. 

I have received no contact from anyone at NetSpend since. It is now XX/XX/2020, and my card accounts are still frozen. At this point, I would like to escalate this matter a Manager because this is unnecessary, All of these security measures are being taken, although I have never encountered any financial loss tied to my NetSpend accounts. 

These security measures are being exaggerated. I need immediate access to my funds, due to the financial hardship I am experiencing as a result of NetSpend 's actions. I have never given NetSpend any reason to have to flag my accounts as a security risk.

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 2020-07-01 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: OH

Complaint narrative:
Date : XX/XX/2020 My credit score ( Transunion and XXXX ) has been dropped 43 points in one day without any reason. 

After point dropped I immediately checked details from different free providers like XXXX, XXXX. Checked report from XXXX website. And then checked with Transunion subscribing their paid product and found nothing changed so far. Everything 's are correct and nothing are new in the report. 

My last personal loan account opened in XX/XX/2020. After then I paid all installment on time and credit usage also decreased. Some old hard inquiries also removed. 

The factor of calculation they mentioned it was same and nothing changed. I didnt get my answer anywhere that what suddenly happened that I cant see that dropped score for 43 points?

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 2020-07-01 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: IA

Complaint narrative:
I disputed public record Chapter XXXX bankruptcy dismissed reference number XXXX with Experian by certified mail on XX/XX/2020. Experian responded back that the item had been verified as belonging to me in XXXX of 2020 and they listed XXXX XXXX as the furnisher of the Information. I then disputed the information with XXXX XXXX and on a later date ( XX/XX/2020 ). XXXX XXXX further found the Public record info was inaccurate and it was removed from my records there. They stated they would also notify anyone they furnished that information too that it was incorrect and should not have been reported. EVER. Experian was mentioned by name in the letter as a company they had given incorrect information too and that it would be resolved within 30 days with follow up letters. That I never received from either company. I would just simply request the information be removed from Experians records. They are incorrect and are not mine.

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 2020-07-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received a call from XXXX XXXX XXXX XXXX XXXX XXXX. The number on my phone was XXXX, however, I was asked to call back XXXX x XXXX. 

XXXX proceeded to state that this was the last attempt to collect a debt from Check n ' Go that occurred in XX/XX/2012 in the amount of {$100.00}. He proceeded to state that after several attempts to contact me of this debt, that Check n ' go retained his companies services to determine if the cases should go to court, and that if I paid today he could make the issue go away. 

I asked XXXX to verify the address, and emails they attempted to contact me and when. He provided obsolete contact information, that did not align with the living situation in 2012. In fact, financially we were secure, so there was not a single visit to a Check n ' Go. 

I asked for him to email or mail me the information to verify it s value, indicating that I am not refusing to pay if this is a legitimate debt. I frequently review my credit report, and never once has this debt appeared on my or my wife 's reports. 

XXXX then state then I am going to refer this to court, since your refusing to pay. I again repeated, I am not refusing to pay, however, it is not possible to pay for a debt that has not appeared on my credit report, nor aligns with the circumstances of 2012. 

I proceeded to ask you did not indicate this call is being recorded, however, if so, ain't I repeat I am asking for additional information to prove this debt, I am not refusing to pay if it is legitimate, and that I request ou update the information by sending me an email to confirm the debt and its associated documents. He refused, I gave him my email, and after an hour nothing is received. It appears this is a scamming agency, however, they did have the last four of my social.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XX/XX/2020 XXXX : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following information is outdated. I would like it removed from my credit history report XXXX Account Number : XXXX Please remove it from my credit report. 
2. The following information is outdated. I would like it removed from my credit history report XXXX Account Number : XXXX Please remove it from my credit report. 
3. The following information is outdated. I would like it removed from my credit history report XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. The status is incorrect for the following account XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter.

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 2020-07-01 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Ive just paid for a copy of my credit reports, and reviewed my credit file as is being reported with you, XXXX credit services, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. As per section 609, I am entitled to see source of the information, which is the original contract that contains my signature.

Company response to consumer: Closed with explanation