vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-07 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: WA

Complaint narrative:
On XX/XX/2022, when I came to [ XXXX bank, XXXX XXXX ] to open a business account, we discussed in length NOT to do anything to jeopardize my credit score. We had a XXXX hour appointment, and I have been very direct with [ XXXXXXXX XXXX XXXXXXXX XXXX ] what was needed and what was out of the question. This included credit checks, as I was in the active stage of applying for a mortgage. 
[ XXXX bank, XXXX XXXX ] understood, opened my business account and went ahead with a credit check, without my consent. My phone gave me an immediate ping, to update me on the instant lowering of my credit score and [ XXXXXXXX XXXX XXXX XXXX ] your response was XXXX. [ XXXXXXXX XXXX, XXXX XXXX ] vehemently apologized for her honest mistake and it should have rested right there. 

[ XXXXXXXX XXXX XXXXXXXX XXXX ] manager escalated this, in order to have the credit check removed immediately as you indeed made a mistake. Mistakes happen. [ XXXXXXXX XXXX XXXXXXXX XXXX ], yourself submitted an escalation in order to be pro-active in making things right. I escalated things, and escalated the escalations, as nothing was happening. The Executive office picked it up and I kept you apprised and informed of this. 

I now have confirmation that the internal investigation resulted in [ XXXXXXXX XXXX  XXXX XXXX ] denying that [ XXXXXXXX XXXX XXXXXXXX XXXX XXXX did any of this. 

I already had this removed with XXXX. Transunion is unwilling and XXXX is refusing to take this off my credit report, without materials from XXXX. The escalated confirmation numbers are : XXXX and XXXX This is with the executive office, who is refusing my phone calls. I am actively blocked from contacting them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: EQUIFAX, INC.
State: WA

Complaint narrative:
On XX/XX/2022, when I came to [ XXXXXXXX XXXX XXXXXXXX XXXX ] to open a business account, we discussed in length NOT to do anything to jeopardize my credit score. We had a XXXX hour appointment, and I have been very direct with [ XXXXXXXX XXXX XXXXXXXX XXXX ] what was needed and what was out of the question. This included credit checks, as I was in the active stage of applying for a mortgage. 
[ XXXXXXXX XXXX XXXXXXXX XXXX ] understood, opened my business account and went ahead with a credit check, without my consent. My phone gave me an immediate ping, to update me on the instant lowering of my credit score and [ XXXXXXXX XXXX XXXX XXXX ] your response was XXXX. [ XXXXXXXX XXXX XXXXXXXX XXXX ] vehemently apologized for her honest mistake and it should have rested right there. 

[ XXXXXXXX XXXX XXXXXXXX XXXX ] manager escalated this, in order to have the credit check removed immediately as you indeed made a mistake. Mistakes happen. [ XXXXXXXX XXXX XXXXXXXX XXXX ], yourself submitted an escalation in order to be pro-active in making things right. I escalated things, and escalated the escalations, as nothing was happening. The Executive office picked it up and I kept you apprised and informed of this. 

I now have confirmation that the internal investigation resulted in [ XXXXXXXX XXXX XXXXXXXX XXXX ] denying that [ XXXXXXXX XXXX XXXXXXXX XXXX XXXX did any of this. 

I already had this removed with XXXX. XXXX is unwilling and Equifax is refusing to take this off my credit report, without materials from XXXX. The escalated confirmation numbers are : XXXX and XXXX This is with the executive office, who is refusing my phone calls. I am actively blocked from contacting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I deposited a check electronically into my bank American Express National Bank on XXXX, ck # XXXX for {$350.00}. I received confirmation check was received by bank. When I reconciled account at month end the deposit was not there, I contacted the bank and they told me I had a max limit of 5 checks per day ( I was never provided with any information about this maximum when I opened the account ). The bank claimed it declined the deposit, however the makers bank was debited for the {$350.00} funds. My bank told me to redeposit the check, which I did, and deposit was declined as a duplicate deposit. The makers bank ( XXXX XXXX ) has provided front and back of check showing it was honored and provided a tracing ID number for the transaction. My bank claims the tracing ID number is not valid and they have nothing else to offer me, basically offering no help in trying to resolve the problem. I have spent dozens of hours on the phone and on hold with my bank and they still claim it is not their problem, they have no proof of check every being paid even though XXXX XXXX has provided proof it was paid. This has been going on since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Midwest Loan Services, Inc.
State: MN

Complaint narrative:
I have loans on 2 separate homes that were being serviced by XXXX XXXX XXXX. XXXX still retains the loans but sold the servicing to Midwest Loan Services. The servicing transferred in XXXX of XXXX and that is when the issues started. The original letter was almost like they were going to find a way to get you to pay late. ( I have zero late payments on many, many loans over the last decade ) The letter instructed you on how to mail in a check for payment. ( I don't use paper checks anymore ) I called to find an alternative payment arrangement and was on hold for an hour and when I reached someone they informed me that the loan wasn't in their system yet and to call back. 
Called back several times and was eventually able to get online with my 2 accounts and make a payment on each loan. ( the website and features seem to be from 20 years ago ) I then set up an autopayment. Assuming the autopayment would work and I didn't check that XXXX payments were taken and they weren't. I found out about this by calls from their collections area. A payment hadn't been taken on either of my 2 loans and they reported me late on 1 of the 2 loans ( why 1 of 2? ). I referenced the law that they shouldn't be reporting me late after a transfer of servicing for 90 days and they informed me it was only 60 days. I was able to talk to a supervisor in the collections group ( XXXX ext : XXXX ). XXXX was pleasant enough and was going to take care of things for me. I spoke to him on XX/XX/XXXX. Their system couldn't take 2 payments on each account the same day so I did a payment on each account and he said he would call me back the next day to take the second payment. No call. I called back 2 days later and XXXX said that he got busy. I then made the 2nd payment on both loans online while I was talking to XXXX. He said he would take care of the late payment on my credit since I tried to set it up autopay and their system didn't work. I asked him to cc me on correspondence with the department that was going to resolve it and nothing has ever been emailed to me. He then took all my information down to setup my auto payments on both accounts. Today is XX/XX/XXXX and no autopayments have been taken. 

I would like to be assured that their error on reporting me with a late payment is removed from my credit report and compensate me for the impact that it had to my credit. From my understanding, it never actually goes away once it is reported. I would also like to have my servicing of my loan moved to a company that have systems up to date with today 's technology. 

XXXX XXXX XXXX XXXX XXXX. Loan # XXXX XXXX. Loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: CITIBANK, N.A.
State: NC

Complaint narrative:
These account are fraudulent inquiries XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Citibank XX/XX/XXXX CBNA XX/XX/XXXX XXXX XXXX XX/XX/XXXX CBNA XX/XX/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 explanation
Consumer complaint received 2022-07-07 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: GA

Complaint narrative:
In XXXX of XXXX, I submitted my FTC REPORT and my dispute letters to dispute unauthorized accounts and inquiries off my credit report because I was impacted by the XXXX data breech. My dispute letter and FTC REPORT was mailed to Transunion. As of XXXX XXXX a few accounts remain on my credit report. I need all accounts removed because it is effecting me from having positive credit. There is an account with XXXX on my Credit report that needs to be removed, This account is in litigation due to deceptive and predatory lending practices and this account was affected because it was between XXXX through XXXX this account was closed in XXXX. According to 15 U.S. Code 1681e ( b ) whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the individual about whom the report relates. Based off this law I feel as though my consumer rights have been violated. Please REMOVE/ DELETE ALL ACCOUNTS. XXXX XXXX My rights are being violated because they are reporting my payment history

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 2022-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The credit bureaus stated my account was properly investigated but how is that possible if the date last active is inaccurate, date last reported is inaccurate, and also the payment status are as well. This grounds for removal, they also violated my rights under 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I sent a letter off on XX/XX/2022 as well as made a phone call. To remove personal information that i do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is to share my information to third party people. 


These are clear violations of my federally protected consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07 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: MD

Complaint narrative:
On XXXX XXXX I filed a dispute with Equifax about my credit file and on XXXX XXXX I received a email stating the items was to be deleted but to my surprise they didnt delete them. Under the Fair Reporting Act legally them items must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: AES/PHEAA
State: TN

Complaint narrative:
You didnt conduct a investigation so escalate this issue to the HIGHEST DEPARTMENT... You are a Federal Government Agency. You keep saying this information accurate... I provided you with proof of the inaccuracies in past cfpb complaint with evidence. How in the XXXX is this information INACCURATE? The XXXX Date Opened XX/XX/2018, XXXX XXXX XXXX XX/XX/2018. The Account Status on XXXX says Closed, XXXX XXXX XXXX says PAID... Which One is it? Lets Talk more on your violations, Payment Status on XXXX XXXX XXXX says Current. Payment Status On XXXX states Late 150 Days... This is straight up XXXX XXXX .... Lets do you XXXX job by correcting or delete... I will speak to my State Attorney General about your violations you are committing under federal LAW by FCRA ACT. You are furnishing this inaccurate information... PLEASE LOOK INTO THOSE ATTACHEMENTS WITH PROOF OF EVIDENCE OF MY CREDIT REPORT. LETS FIX THIS BEFORE I ESCALATE THIS ISSUE... READ THE ATTACHMENTS AND INVESTIGATE CARFULLY...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: CURO Intermediate Holdings
State: TX

Complaint narrative:
Collection agency on behalf of speed cash is trying to collect on a fraudulent opened account and has reported this false information to my credit reports and has damaged my report where I can no longer qualify for a construction loan to build my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: Affirm Holdings, Inc
State: IL

Complaint narrative:
My wallet was lost and my identity was used to open different accounts in my name.I was notified by XXXX XXXX XXXX XXXX about suspicious activity to my account. Upon talking to them I was told about the actions of the perpetrators who was using my name they open a Affirm account they also open a XXXX XXXX  account as well as different telephone companies such as XXXX XXXX XXXX XXXX and XXXX XXXX I was contacted by different collection agencies and I also couldnt contacted XXXX and XXXX and XXXX with the knowledge that was given to me to the collection agencies also have accounts for XXXX And they also opened up telephone accounts with XXXX XXXX and XXXX in my business name I would like you to take a look at it is matter so we can get it resolved as quickly as possible to restore my name back to good faith

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I sent letters to the Credit Bureaus to remove the unauthorized inquiries and inaccurate information that are found on my report. But still those inaccurate items are constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I sent letters to the Credit Bureaus to remove the unauthorized inquiries and inaccurate information that are found on my report. But still those inaccurate items are constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX EMP Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I received a credit card that I didn't sign up for. I called BofA to report suspected identity theft, and multiple support agents refused to help. They transfered me around to each other, placed me on hold and then hung up while I was holding. 

Based on the actions of multiple BofA agents, it's clear that BofA has no real process in place to address cases of suspected identity theft.

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 2022-07-07 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 received an email stating that a new account loan was open in my name which I never opened. For {$500.00} for 24 months. What in the world is that?!?!? I want this fixed right now! This is a very big problem and now I don't feel safe or secure. I want this fixed. The correct way. This is ridiculous I am so upset right now. Unreal-

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 2022-07-07 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/2022, when I came to [ Chase bank, XXXX XXXX ] to open a business account, we discussed in length NOT to do anything to jeopardize my credit score. We had a XXXX hour appointment, and I have been very direct with [ Chase bank, XXXX XXXX ] what was needed and what was out of the question. This included credit checks, as I was in the active stage of applying for a mortgage. 
[ Chase bank, XXXX XXXX ] understood, opened my business account and went ahead with a credit check, without my consent. My phone gave me an immediate ping, to update me on the instant lowering of my credit score and [ Chase bank, XXXX XXXX ] your response was Oooops. [ Chase bank, XXXX XXXX ] vehemently apologized for her honest mistake and it should have rested right there. 

[ Chase bank, XXXX XXXX ] XXXX escalated this, in order to have the credit check removed immediately as you indeed made a mistake. Mistakes happen. [ Chase bank, XXXX XXXX ], yourself submitted an escalation in order to be pro-active in making things right. I escalated things, and escalated the escalations, as nothing was happening. The XXXX office picked it up and I kept you apprised and informed of this. 

I now have confirmation that the internal investigation resulted in [ Chase bank, XXXX XXXX ] denying that [ Chase bank, XXXX XXXX XXXX did any of this. 

I already had this removed with XXXX. XXXX is unwilling and XXXX is refusing to take this off my credit report, without materials from Chase. The escalated confirmation numbers are : XXXX and XXXX This is with the XXXX office, who is refusing my phone calls. I am actively blocked from contacting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management
State: FL

Complaint narrative:
The following debt doesnt belong to me and i did not authorize this debt.

Company response to consumer: Closed with explanation