vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-10 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: IL

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-03-10 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello, first off I am not the type to reach out regarding matters that I would normally resolve on my own. I am writing to you this morning regarding an ongoing issue with the newly formed Truist Bank ( BB & T/Sumtrust merger ).

There are two separate matters I am reaching out in hopes that you may be able to assist me with. The first is regarding some fraudulent charges and the second is the cancelling of my account based on me disputing these charges.. 

It all started on XX/XX/XXXX, when I discovered two fraudulent charges made to my checking card. Both were in the amount of {$94.00} to the following companies according to my bank records ( Seamless delightful rest & Unblemished pure advance ), which were not authorized by me. 

XX/XX/XXXX, the same transactions reoccurred for the exact same amounts to the companies listed above. 
XX/XX/XXXX, another fraudulent charge was withdrawn in the amount of {$100.00} to a company called XXXX XXXX. 
XX/XX/XXXX, another fraudulent charges was withdrawn in the amount of {$400.00} to a company XXXX XXXX. 

Date Transaction Payment XX/XX/XXXX Unblemished {$94.00} XX/XX/XXXX Seamless {$94.00} XX/XX/XXXX Unblemished {$94.00} ( Funds returned ) XX/XX/XXXX Seamless {$94.00} ( Funds returned ) XX/XX/XXXX XXXX XXXX {$100.00} XX/XX/XXXXXXXX XXXX XXXX {$400.00} XX/XX/XXXX Notification of the account closer ( While the disputes were still open ) I filed dispute claims on all of the charges with the bank and all were denied with no reason for the denial ( proof, which I requested ). I would also like to point out that the total wait time I was on the phone during this whole ordeal was close to 28 hours and I still did not receive the correct documents. Being currently unemployed, you can understand that the cancellation of my account and the non refunded {$700.00} has put me in a very difficult situation with my creditors. 

Not sure what you might be able to do, but hopefully a little leverage from your organization and the media might help get me some resolution to this matter. If you need to speak with me I can be reached on my mobile number at ( XXXX ) XXXX. 

Respectfully, 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 2022-03-10 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: IL

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: IL

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My ex-business partner opened up this account and went into default without me knowing... 

This situation has had a severe negative impact on my credit score and my ability to obtain credit to refinance my house or lease or finance a new vehicle. Since XXXX, Ive had nearly perfect credit. I never missed or made late payments. I worked hard to take my credit score from XXXX to all the way over 800 this past winter. 

Unfortunately, due to circumstances beyond my control, my credit score has dropped below 650. I had a previous business, XXXX XXXX, in which my ex-partner knowingly used credit cards that were in the business name, but had me as the primary account holder. He ran up the credit on this Chase Ink Card ending in XXXX to a balance of over {$41000.00}. 

I learned of this situation when I started receiving phone calls from Chase. I did not have the necessary resources to eliminate the outstanding debt at the time, so I decided to hire an attorney to sue my former business partner. Enclosed is a copy of the legal documents. 

After months of negotiation with his attorney, we finally reached a settlement agreement ( also enclosed for your review ) and he proceeded to pay off the balances on this account, as per the terms of the agreement, during the week of XX/XX/XXXX. 

Unfortunately, this occurred a few months too late since the late payments were already reported to all credit agencies, which had a severe negative effect on my credit score. This is true even though I attempted to explain the situation to the credit card companies and sent them copies of the litigation documents and settlement agreement. 

Respectfully, I am writing to ask you to please review my entire credit history and make your decision based on its totality plus the information I provided above and the enclosed documents. 

The fact is I had a nearly perfect credit score until this situation, which was beyond my control, occurred. My bills are always paid on time, and balances are paid in full, including my personal and business XXXX XXXX and Chase Ink cards. 

I am a family man and work as a XXXX  in XXXX. I work very hard to keep my credit as perfect as can be. My biggest fault is that I trusted my old business partner who is also a relative, a mistake I will not make again in the future. I believe this blemish should be removed from my record and my excellent credit score should be reinstated. 

Thank you for your prompt consideration, as it continues to severely impact the life of me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: CA

Complaint narrative:
There is an account on my credit report that does not belong to me and has been open for months. It was not opened by me or authorized by me at all and i need to get this inaccurate information off my credit report. This account was opened in my name and has been verified by the creditor that it is not mine and my identity can not be confirmed in their system. This account from XXXX is not my account and has been negatively affecting my credit report. The account number is 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 2022-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: IL

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-10 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: NY

Complaint narrative:
This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with XXXX plus days of no response.

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 2022-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America ( BoA ) shows a pattern of charging a $ 12 monthly maintenance fee around the same time a debit transaction is made to the account bringing the account balance to {$0.00}. BoA then charges a {$35.00} " OVERDRAFT ITEM FEE FOR ACTIVITY OF XXXX XXXX XXXX XXXX DATE '' as if the debit transaction resulted in a negative account balance and not the monthly maintenance fee itself. It has happened at least twice recently, once on XX/XX/2022 and again on XX/XX/2022. On each occurrence, an electronic money transfer was made to cover a transaction in the account on different dates, the account was then debited, the monthly maintenance fee was charged followed by an overdraft fee. The maintenance fee is not charged on the same day each cycle. This seems to be done to extract more fees from the account and I would like it to be investigated.

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 2022-03-10 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: VA

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Collection Systems, Inc.
State: IL

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
In XXXX I filed a Chapter XXXX with XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX ( XXXX ) XXXX, this Chapter XXXX was XXXX on XX/XX/XXXX. 
My wife and I applied for a loan refinance to lower our interest and get cash out for a vacation after XXXX. We were informed by our loan agent with XXXX XXXX  that XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX Texas ( XXXX ) had a bad debt listed on my credit report, for {$21000.00} and that Wells Fargo Bank our mortgage carrier had placed a lien on our home. We were never contacted by Wells Fargo concerning the alleged bad debt that XXXX XXXX was claiming we owe, we find this rather XXXX and since its Wells Fargo! 

A XXXX representative said that their company bought the debt back in XXXX, obviously the company bought bad debt. I was never contacted by XXXX XXXX by phone or mail from XXXX through XXXX. If XXXX had contacted me I would have told them that the debt they were trying to collect has been XXXX in a Chapter XXXX ( {$23000.00} ) Wells Fargo should not have allowed a lien to be placed against our home this has cost {$12000.00} cash out, Wells Fargo should have contacted us about the company approaching them with some alleged bad debt.

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 2022-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: VA

Complaint narrative:
Good afternoon, I am writing to file a complant against, XXXX XXXX, I.C. Systems located in XXXX XXXX, MN. On Friday, XX/XX/XXXX at XXXX XXXX my husband, XXXX XXXX received a call from I.C. Systems. The call as received from phone number XXXX. The caller represented to my husband they were looking to speak with me, XXXX XXXX. I immediately searched the website for a number with I.C. Systems to avoids any scams etc. I made contact with an employee who transferred me to a collection rep. Per our discussion, I was made aware they received a bill from XXXX, and that I owed money, when I questioned and suggested I would speak with my attorney, I was told they could no longer engage in conversation with me and to have my attorney call them. I reached out to XXXX, XXXX and XXXX later that day to discuss the alleged debt. It was agreed the attorney would send a letter on my behalf, ( see attached ). I would also like to add I have received no bills from XXXX and the only contact from I.C. Systems was the call I initiated XX/XX/XXXX. As it relates to XXXX, I switched carriers sometime in XX/XX/XXXX to a competitor, part of the new service they agreed to pay my phone devices in full. I used monies received from the new service provided and paid XXXX XXXX on XX/XX/XXXX. After my payment was submitted I was told verbally no other money was due for this account. Again to reiterate I had no calls from XXXX or notice for any other monies due for this account. I.C. Systems sent me an email which was the only form of communication shortly after my initial contact in XX/XX/XXXX. The attachment received was for me to complete my attorney information, print, sign and mail to I.C. Systems. I also tried responding to that email which popped back and not delivered. I confirmed with XXXX XXXX, Attorney that drafted the letter to the collection agency, date of letter XX/XX/XXXX, no response has been received to his letter. This was confirmed verbally over the phone today, XX/XX/XXXX. I have simply requested to prove this debt belongs to me and provide me the required information as again I was told the XXXX account was paid in full. I confirmed on XX/XX/XXXX that I.C. Systems has now placed a collection on my credit report for an amount of XXXX which is different from the billing notice received which shows an amount of XXXX. I am requesting further action against this collection agency.

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