vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-22 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: MN

Complaint narrative:
I sent a dispute letter on XX/XX/XXXX through Certified Mail to TransUnion requesting a reinvestigation and the Method of Verification for a bankruptcy reporting against me on my credit profile through TransUnion. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the original creditor, they must remove said information from the consumer credit file. I have attached copies of the letter from the US Bankruptcy Court stating they dont report to the credit bureaus. I have also attached a copy of my letter from XXXX saying my credit profile is frozen. How is the credit bureau verifying this alleged public record when the third party provider is frozen? Per the Federal Law, you have exactly 30 days to complete the investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Transunion has been non-compliant and didnt complete the dispute in 30 days. I further remind Transunion as in Wenger v. TransUnion Corp., No. 95-6445 ( C.D. Cal. Nov.14, 1995 ), you may be liable for your willful non- compliance. The account in question needs to be removed immediately for violations against the Fair Credit Reporting Act, no validation in the 30 day time period, no validation with the third party provider of the data. I did not authorize a third party provider called XXXX to report this data against me on Transunion. The public record is non compliant, inaccurate, and unverifiable.

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 2020-11-22 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: MN

Complaint narrative:
I have tried to remove old addresses, old name variations, and other information from my credit profile but the bureau doesnt remove the data. Per FCRA Section 623 ( a ) ( 1 ) ( C ) A Credit Bureau can not report information the consumer has told them is inaccurate. All old addresses and information needs to be removed from my credit profile due to being inaccurate.

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 2020-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
on XXXX I sent a letter regarding inaccurate and unverifiable Information on my credit report on this date over 44 days later I have not received a response yet. I feel I am being taken advantage of being ignored in my dispute process. Section 611 ( a ) it is plainly stated that a failure to to investigate these items within 30 days gives a reason to immediately remove those items from my credit report on this date it is over 40 days later so they should be deleted promptly. I demand for the bureaus to comply with deletion or I will file for litigation due to the stress and erroneous items reporting on my credit report. My information was also impacted by the XXXX  data breach and may have been in the hands of the wrong person.

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 2020-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am not able to receive my XXXX prepaid debit card or use a digital money wallet

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 2020-11-22 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: FL

Complaint narrative:
on XXXX I sent a letter regarding inaccurate and unverifiable Information on my credit report on this date over 44 days later I have not received a response yet. I feel I am being taken advantage of being ignored in my dispute process. Section 611 ( a ) it is plainly stated that a failure to to investigate these items within 30 days gives a reason to immediately remove those items from my credit report on this date it is over 40 days later so they should be deleted promptly. I demand for the bureaus to comply with deletion or I will file for litigation due to the stress and erroneous items reporting on my credit report. My information was also impacted by the XXXX  data breach and may have been in the hands of the wrong person.

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 2020-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
on XXXX I sent a letter regarding inaccurate and unverifiable Information on my credit report on this date over 44 days later I have not received a response yet. I feel I am being taken advantage of being ignored in my dispute process. Section 611 ( a ) it is plainly stated that a failure to to investigate these items within 30 days gives a reason to immediately remove those items from my credit report on this date it is over 40 days later so they should be deleted promptly. I demand for the bureaus to comply with deletion or I will file for litigation due to the stress and erroneous items reporting on my credit report. My information was also impacted by the Equifax data breach and may have been in the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 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:
These accounts have not been updated since 2015 and having a negative effect my credit score! XXXX is reporting these accounts have been late, which is not correct. 

The dates, and balance information on these accounts are inaccurate and I'm requesting this information be removed, per the FAIR CREDIT ACT, 611. 

XXXX  # XXXX XXXX  # XXXX XXXX  # XXXX XXXX  # XXXX XXXX  # XXXX Please see the STATUS DATE ON THIS ACCOUNTS. This has always been an issue with XXXX  and the CFPB never do anything about it, so I'm requesting assistance here again and I will reach out to the State Attorney as this makes no sense. 

The was understand the impression the CFPB was enforce rules and law for the consumer of America, but in most cases with XXXX  nothing is never done as they have been sued for a number of law breaking actions.

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 2020-11-22 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: GA

Complaint narrative:
These accounts have not been updated since 2015 and having a negative effect my credit score! XXXX is reporting these accounts have been late, which is not correct. 

The dates, and balance information on these accounts are inaccurate and I'm requesting this information be removed, per the FAIR CREDIT ACT, 611. 

XXXX  # XXXX XXXX # XXXX XXXX  # XXXX XXXX  # XXXX XXXX  # XXXX Please see the STATUS DATE ON THIS ACCOUNTS. This has always been an issue with XXXX and the CFPB never do anything about it, so I'm requesting assistance here again and I will reach out to the State Attorney as this makes no sense. 

The was understand the impression the CFPB was enforce rules and law for the consumer of America, but in most cases with XXXX  nothing is never done as they have been sued for a number of law breaking actions.

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 2020-11-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of america wont send me another replacement card I need it urgently. I need my debit card I got bills to pay and if not I would take u guys to court

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 2020-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
On XX/XX/2020 I disputed 2 items on my credit report that dont belong to me and are erroneous items on all 3 of my credit reports. XXXX  and XXXX  investigated and removed them from my credit report. Equifax has refused to remove them from my credit report. The creditor is XXXX  XXXX in the amount of XXXX and the other in the amount of XXXX. I sent Equifax customer complaints about this company how they magically appear on peoples credit reports and I have repeatedly contacted this company and they continue to give me the run around without any assistance. On XX/XX/2020 I wrote Equifax and requested that they send me information including names of how they completed there investigations and gave them a time limit to respond to me and to no avail Equifax has never supplied me with the information I requested and it has been over 5 months. By law Equifax is required to remove these erroneous items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 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: LEXISNEXIS
State: KY

Complaint narrative:
On XX/XX/2020, I sent a letter to the US Bankruptcy Court asking them to explain their procedures for verifying records with the credit reporting agencies. According to my credit report, it claims the " magistrate '', " the recorder of deeds '' or " municipal court '' as the one who furnished the information on my credit report. The problem is none of that information is accurate. The recorder of deeds, the magistrate, or the court itself did not furnish any of this information to the credit bureaus, and publishing false information is a violation of the Fair Credit Reporting Act. The only way this information can be accurate is if the credit bureaus received this information directly from the courts, so with that being said this should be removed from my credit report. On XX/XX/2020 I sent a verification that the court itself did not furnish this information itself and therefore it was a violation of the Fair Credit Reporting Act. They did not show proof of their verification with anything bearing my signature. How do you reinvestigate something send no proof then say it was verified as accurate? Especially when I send proof to back what I am saying and they produce no evidence. This includes XXXX, XXXX, XXXX XXXX, and Lexis Nexis.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: AL

Complaint narrative:
On Wednesday XX/XX/2020, I went to BBVA Compass to deposit funds into my co-workers account because we both have an account at the same bank in which I have been making deposits into her account for the past 4 years. About 8 months ago the branch and other branches required you to show photo ID on all transactions whether its your account or someone else account and I could understand that because it leaves a paper trail on who did what and the time etc. On the date listed above around XXXX the drive through banker told me I forgot to send my identification so I sent it up to her. She had me wait 5 minutes and then she called me Mr. XXXX even though she had my drivers license and asked me was I making a deposit into someone else account ( and my words to her ; mam cant you read I thought you were done and about to say thanks and have a nice day Ive been sitting here all this time and you havent even looked at the transaction can you hurry up I have somewhere to be ). She then had me wait an additional 4 minutes and Im still the only customer and comes back on and asks me whats the last four digits of my social security number. I instantly told her why does she need my social security number on an account I am not an authorized user or my name is not attached too and she said thats a requirement and went on to say I couldnt have been coming to that branch because thats what they have been doing which is a lie Ive never been asked that!!!!!! I have never been asked for the last four of my social and I dont appreciate it being asked. I asked for a manger and she refused to come to the window and she told me she will send me the money back and I can go to another location as if I done something wrong. I told her to fly me the deposit back and send me her information and this supervisor information. I dont know what they have going on at that branch but its unacceptable and put people at risk of having their identity stolen by the banking representatives or someone in the parking lot listening. I went to BBVA on XXXX and XXXX  XXXX XXXX and took the same deposit slip and cash sent it up with my ID was there 2 minutes the banker said thanks and have a nice day. I asked her are they required to ask for the last 4 of people social when making deposits if its not their account she said NO!!!!! and I told her thanks and have a nice day. I am a victim of identity theft and have been for the past 12 years and I feel the supervisor and the banker at BBVA copies customers ID to get their XXXX  gifts for theyre family members by making customers provide their personal information to them knowingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I never apply for this card n i have people calling me from diffrent numbers about this acccount idk how they got my number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-22 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: PA

Complaint narrative:
The first inquiry in question was apparently made by XXXX XXXX XXXX XXXX  on XX/XX/2020 and I have no recollection of doing any business with XXXX XXXX XXXX XXXX. 

The second inquiry was made by XXXX XXXX on XX/XX/2020 and I have no recollection of doing any business with XXXX XXXX. 

The third inquiry was made by XXXX XXXX XXXXXXXX on XX/XX/2020 and I have no accounts with XXXX XXXX.

Two inquiries were made by XXXX  on AXX/XX/2020 and XXXX XXXX. I have no accounts with XXXX. 

Another two inquiries were made by XXXX XXXX on XX/XX/2020 and XX/XX/2020. I have no primary accounts with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
The late payments are innaccurate. I have talk to several representatives and no one could do anything. I reported fraud for charges on XX/XX/XXXX XXXX, XX/XX/XXXX. Capital One charged me for late payments for XX/XX/XXXX. I told the representative that Im not paying for charges I didnt make. They never removed the charges from my account. Also I have a new account Capital one QuickSilver Rewards credit card for the past 2 months. The late charges are on my new account too. My old account is Capital One platinum is were CapitalOne put the original late charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-22 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The first inquiry in question was apparently made by XXXX XXXX XXXX XXXX  on XX/XX/2020 and I have no recollection of doing any business with XXXX XXXX XXXX XXXX. 

The second inquiry was made by XXXX XXXX on XX/XX/2020 and I have no recollection of doing any business with XXXX XXXX. 

The third inquiry was made by XXXX XXXX  XXXX on XX/XX/2020 and I have no accounts with XXXX XXXX XXXX. 

XXXX inquiries were made by XXXX on XX/XX/2020 and XXXX XXXX. I have no accounts with XXXX. 

Another two inquiries were made by XXXX XXXX on XX/XX/2020 and XX/XX/2020. I have no primary accounts with 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 explanation
Consumer complaint received 2020-11-22 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XX/XX/XXXX, JPMCB - CARD SERVICE add a hard inquiriy on my credit report per XXXX. 
On XX/XX/XXXX, JPMCB - CARD SERVICE add a hard inquiriy on my credit report per XXXX. 
OnXX/XX/XXXX, XXXX/XXXX add a hard inquiriy on my credit report per XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
Happy Sunday! How can you placed a {$480.00} collection on my credit report without my knowledge, consent, or anything. Plus I didn't receive & didn't know you could dispute the debt. I will pursue legal counsel or help if this is not removed soon. I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XX/XX/XXXX, JPMCB - CARD SERVICE add a hard inquiriy on my credit report per XXXX. 
On XX/XX/XXXX, JPMCB - CARD SERVICE add a hard inquiriy on my credit report per XXXX. 
On XX/XX/XXXX, XXXX/XXXX add a hard inquiriy on my credit report per XXXX.

Company response to consumer: Closed with non-monetary relief