vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THE BUREAUS , INC . 
After having asked for verification of the debt, that was never provided the third party debt collector changed the comment to say that it has been assigned to an attorney. This is a threat of legal action that they can not take or intend to take. This is a clear violation of the fair debt collection practices act, and they must be blocked from further credit reporting immediately and indefinitely. Cease all collection attempts including but not limited to credit reporting. Have a nice day.

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 2021-06-24 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: MN

Complaint narrative:
I went to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX to see about purchasing a vehicle. The representatives informed me that he was going to do a soft pull of my credit. However, they did a hard pull that resulted into inquiries I do not recognize or authorized. This is having a severe negative impact on my credit. I never gave anyone permission to do a hard pull. Only inquiry I authorized and have knowledge of is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
These accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX  CARD Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX AF Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft WELLS FARGO Account XXXX : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX MO Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is 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 2021-06-24 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: NY

Complaint narrative:
I've contacted the credit report agencies through multiple platforms via mail or telephone. Pursuant 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to section ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave the consumer reporting agencies any written consent to report anything on my consumer report, No consent is Identity Theft. A copy of the law is attached. In regards to the accounts listed below, as a consumer Im demanding a deletion. 

1. XXXX XXXX XXXX. 

2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX  Original creditor : XXXX 5. XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX. 

6. XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX. 

7. XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX These accounts are individual actions, they must be delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: OH

Complaint narrative:
Date XX/XX/2021 Name XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX Credit Bureau Name TRANSUNION, XXXX, XXXX Credit BureXXXX XXXX XXXX  : Request to Remove Unauthorized Credit Inquiry Dear Sir or Madam, I recently received a copy of my TRANSUNION, XXXX XXXX credit report and I notice there is an unauthorized credit inquiry made by ( ). I do not recall authorizing this credit inquiry and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into Professional XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXXXXXX 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. inquiry to determine who requested this credit inquiry. 

If you find I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am in error, then please send me proof of this. 
Thank you in advance, 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 2021-06-24 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: OH

Complaint narrative:
Date XX/XX/2021 Name XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX Credit Bureau Name XXXX, EQUIFAX, XXXX Credit Bureau Address Re : Request to Remove Unauthorized Credit Inquiry Dear Sir or Madam, I recently received a copy of my XXXX, EQUIFAX, XXXX credit report and I notice there is an unauthorized credit inquiry made by ( ). I do not recall authorizing this credit inquiry and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXL XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. inquiry to determine who requested this credit inquiry. 

If you find I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am in error, then please send me proof of this. 
Thank you in advance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Outsource Group, Inc
State: UT

Complaint narrative:
The caller ID shows medicredit. It's an XXXX bill I can not pay. They have called me XX/XX/2021 ; XX/XX/2021 ; XX/XX/2021 ; XX/XX/2021 ; XX/XX/2021 ; XX/XX/2021 ; and now today just a few minutes ago on XX/XX/2021. 

I am also suspicious that they have sold my information to scammers/robo callers because these random phone calls didn't start until the hospital transferred my information over to their agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: EAST WEST BANK
State: NY

Complaint narrative:
EAST WEST BANK held my reminding balance and said need to verify the legitimacy of the transaction with three of my original payers. 
But until now, only one of my payers from XXXX got the contact from EAST WEST bank and had replied as requested already. The rest two, one in XXXX, one in XXXX, never got any contact from XXXX XXXX. I contact XXXX  BANK to follow up. But they never reply and never provide a clear date range that when they will finish the so-called 'verification '. Now seems like far away and not within the foreseeable future. It's super unfair.

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 2021-06-24 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA
State: CA

Complaint narrative:
I have tried ( and failed ) to remove several late payments from a closed, paid-in-full account that had previously been jointly held by myself and a cosigner. After the student loan account was transferred from XXXX XXXX, AES made it extremely difficult to keep track of automatic loan payments during forbearance and we would often not find out that we hadn't made the payment until we were contacted by debt collectors. 

Since then, the account with AES has been closed and paid in full, and I have not had another late payment on any account in my name. 

Payment dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2016

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: CA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: TN

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: IL

Complaint narrative:
I have contacted EQUIFAX over 25 times explaining that the accounts that are listed as XXXX XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX # XXXX does not belong to me. The last dispute I sent them they deleted 6 of the accounts and left behind 6, I don't understand if you are deleting some why they are not deleting them all at the same time since I have provided them with proof that these account are fraud. I have sent in a fraud identity theft report, police report, ID, and social and each time I am transferred to someone in another country that does not understand what I am explaining and continuously read from a script. This is very annoying and cause me to keep calling and complaining on something that is clearly in black & white with the proof right there. One representative tells me to send the reports and I do another says it must have the account numbers on the police report but with one account with that name listed obviously this is the correct account. I have disputed & disputed & disputed and they keep saying verified. SO I ask how and to provide me with the verification method by law I am entitled to & then I hear nothing but the account remains on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: CA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax, XXXX and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: FL

Complaint narrative:
On XX/XX/2021 sent a 3 letters regarding fraudulent accounts on my credit report. To this day over 60 days later and I still have not received a response yet. I like im being take advantage pf and being ignored of my disputes.Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I was also affected by XXXX  breach and ive been getting alert that my information was compromised on the dark web. I have never done business with these companies and i am asking that these fraudlent account tp be removed. I have attached my Drivers license and the FTC reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On XX/XX/21 a payoff check was sent to Ally in XXXX, KY by XXXX. Ive notified XXXX representative XXXX on XX/XX/21 & XX/XX/21 regarding the check was sent, provided the check # and the amount so it could be applied to my account. I spoke to XXXX XXXX XXXX on XX/XX/21 regarding my payment hasnt been posted to account and by not posting the payment to my account right away is preventing me from getting another loan due to this loan is still open and its almost time for another payment thats due. I notified Ally on last week that I sold the car on XX/XX/21 and provided them with the name of the company that bought my car. Per the XXXX XXXX she will send a letter to corporate to see if they can locate the check. I called Ally today XX/XX/21, spoke to a Representative name XXXX. Per XXXX, XXXX is in a meeting and I cant speak to her. I tried to XXXX the Corporate office phone # which gave XXXX that is not a working #. I located another ph # to file a complaint which was XXXX. That ph # wasnt for corporate but reached a representative name XXXX in Canada. I was transferred to another Representative name XXXX which stated he could not locate my account with my social security # and that I reached Ally and not XXXX. Ive called XXXX ph # XXXX which is the same ph # where I reached The Representative XXXX, XXXX and Supervisor XXXX. I received a called back from XXXX around XXXX today XX/XX/21 which she left a message saying she was going to email me with status. I received the email today XX/XX/21 from XXXX which she states she XXXX hasnt replied and she was going to email them again. Per Representative XXXX by phone on yesterday XX/XX/21, since the check was sent to XXXX, KY theres no account for them to post the check to so Corporate will have to locate the check and when the check is cash in XXXX, KY, the department will have to reissue another check to Texas. This will cause more delays if this happens! It appears that No one is trying to locate my check to apply to my account.

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 2021-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
( 1 ) I have a XXXX XXXX CC from American Express ( annual fee {$450.00} ). Usually, I receive an annual statement credit of {$300.00} for eligible hotel stays at XXXX hotels. Due to Covid travel restrictions, American Express offered a {$300.00} statement credit for restaurant purchases ( dine-in and take-out ) in the U.S. between XX/XX/XXXX XXXX ( refer to my attachments for details ). The details were confirmed by Amex in a website chat on XX/XX/XXXX. I was automatically enrolled in this program ( see attachment 3 ), and I spent {$300.00} for restaurants during that time period ( see attachment 7 ).

( 2 ) However, Amex did not provide yet the statement {$300.00} credit as promised.

( 3 ) To clarify the missing credit, I've contacted customer service on the Amex website ( chat service on XX/XX/XXXX ), and I've called customer service twice ( in XXXX and XX/XX/XXXX ). They noted the details and promised the request would be clarified by customer service and I would hear back from them. But no luck so far. 
( 4 ) Thus, I would like to file a complaint about the missing statement credit of {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Minto Financial dba Minto Money
State: IL

Complaint narrative:
I was seeking deferral of a payment to stabilize financially and on two separate pay dates ( XX/XX/XXXX and XX/XX/XXXX ) Minto Money withdrew funds from my account although new credit agreements were signed. Each time I called back to determine why I was told that they did not process the request they sent to me and that I physically e-signed while on the phone. 

I then asked for my monies to be refunded from the XXXX which was also confirmed over the phone. Six business days have passed and I did not receive the funds from the XXXX. Minto Money has now applied a {$40.00} late fee and yet again claims that there are notes on file and my request was simply not processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: Rocket Mortgage, LLC
State: IA

Complaint narrative:
I applied for a loan through quicken loans, my credit scores were all above XXXX. When I talk to the loan adjuster they advised I had to have ky credit score above the XXXX to qualify for loan. I pulled all.of my credit scores and they were all above XXXX. I advised the quicken loan officer that my scores were above XXXX and I was ready to proceed. She ran my credit and lied about my all.of my credit scores being around XXXX. She discouraged me from trying to continue with the loan. I sent her a email asking her why she was maliciously advising against doing the loan when my credit scores were above the XXXX. I felt there was a XXXX under tone and demographic bias denial. I even asked for a copy of all my credit scores just to verify she wasn't making these things up, I did not receive anything. I did my research I could of qualified for a FHA loan with my score being at XXXX to XXXX but I took their advice getting my score above XXXX. We missed out on a house for XXXX due to her neglect and discouraging advice not to continue with loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX jas customer service in XXXX that is not taught laws but how to lie so me the consumer thinks I am the XXXX or person comitting fraud. I have 1 hard inquirey I didnt make with XXXX XXXX I didnt ask or allow XXXXXXXX XXXX use my credit report for fraud. Also XXXX XXXX has a couple accounts that arent mine on my report. All of these I told them to use FAIR CREDIT REPORTING ACT 604, 609,611 and 623 to investigate and give me decisions showing that they did proper and the legalway to investigare. They lie and just say they did investigation and want.

Company response to consumer: Closed with explanation