vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-22 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: CA

Complaint narrative:
These accounts do not belong to me and they are severely affecting my credit. They need to be removed.

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 2022-04-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
These accounts do not belong to me and they are severely affecting my credit. They need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I sent American Express a Cease and Desist letter AND a Debt Validation letter on XX/XX/XXXX. They sent over an email letting me know that they have received my Cease and Desist letter and they will cease communication regarding collection activity but then used profane language and threatened to suspend and cancel my account which is a violation of 15 USC 1692d. They also said that the consequences of me asserting my rights as a consumer will lead to negative actions taken place with no prior notice. This email was sent on XX/XX/XXXX. I will attach the letters and their response to this complaint. 

Please note that American Express failed to comply with the demands written in my letter. They never sent me a letter letting my know that they are complying with my specified remedies, which is a violation of 15 USC 1692c. They never sent me anything to allow me to exercise my right to validate the debt in pursuance to 15 USC 1692g. I have the right to due process and which they are preventing me from.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Under the Fair Credit Reporting Act. The list of accounts below has violated my federally-protected consumer rights to privacy and confidentiality under 15 USC 1681 and the HIPPAPrivacy Rules ( Health Insurance Portability and Accountability Act section 45 CRF Parts 160,162, and 164. 
XXXX XXXX XXXX, ( Reported to Transunion ) XXXX XXXX XXXX  XXXX ( Reported to Transunion & XXXX ) XXXX XXXX, ( Reported to Transunion & XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX these items have violated my rights. 
In 15 U.S.C 1681, section 602 A. States that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

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 2022-04-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I filed a dispute for unauthorized transactions with bank of a america on XX/XX/2022. For {$6000.00} multiple claims they said they had to in order to file the claim. So it was split up {$3000.00} and {$3000.00} I got a 7 day investigation when they advertised up to 10 business days. Was told claim not paid and will not be paid i want to sue this company. It has been a full 30 days of me just getting the run around on why I was told claim not paid to transactions I didn't authorize I have been evicted from my home couldn't pay my catlr note couldn't pay my phone bill all my resources was in the money that was stolen from me. Bank of america ask of me to send in any proof I have that could help them re open the claim there a huge scam. They allow u to bank with them but when your money is stolen due to you loosing your card depending on the amount of cash they won't investigate it properly as there policy says I got 10 days investigation on {$180.00} claim before this XXXX claim they also provisional credited the XXXX to my account on the 10 business day of that claim. So how does XXXX only go 7 days on the investigation in return also the customer loses there claim its not paid then there's no way to take action and get my money back it's just gone. 
I have attached a bank statement showing my account in standing of {$7000.00}. So you can see I clearly have been robbed of my claim for $ XXXX bank of america XXXX 
Here 's the claim numbers 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 2022-04-22 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I requested my Equifax consumer credit report and file online and Equifax refuses to give me access. This is the second time the issue has occurred. Equifax provided a false and misleading statement that my consumer credit report and file was already accessed online. Equifax is in violation of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On or about XXXX 2021 I entered a loan obligation with Capital One Bank XXXX Capital One loaned me {$39000.00} to purchase a XXXX XXXX XXXX. The terms of the loan were at 8.460 % interest with a monthly note of {$700.00} for XXXX. From initiation, I had made timely monthly payments in accordance with the terms of the loan contract agreement. However, on or about XX/XX/2021, I reached out to Capital One customer service, via telephone, with concerns about my loan account balance and for an explanation as to why my account balance was higher than I calculated the figures to be. Specifically, my billing statement for the XXXX of XX/XX/2021 showed my loan balance as being {$35000.00} but according to my calculations the amount should have been {$33000.00}! The Customer Service representative put me on hold to get me to the right person or a supervisor to speak to but then we were disconnected! At any rate, on or about XX/XX/2021, I forwarded a letter to Capital One advising them that I disputed the Account balance and offered to settle the account balance for {$5000.00}. See attachments. Thereafter, I forwarded Capital One a cashiers check in the amount of {$5000.00} to settle the disputed account balance. XXXX accepted the settlement offer cashed the check that I sent to them. To date of this complaint, Capital One has not released the lien on the XXXX to the vehicle as agreed upon in the settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: OH

Complaint narrative:
According to 15 U.S.C. 1681 section 604 A. States I have a right to privacy. Equifax has violated my rights! 

On ( XX/XX/2022 ) I discovered ( XXXX XXXX XXXX XXXX ) had been re-inserted into my credit file. Equifax is required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX was done on XX/XX/2020 at the dealership. 

Recently I looked at a copy of my credit report and noticed an incorrect account. I feel that this account is adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate this item for me to ensure accuracy. 

Here is the item I am asking you to verify as reporting accurately : 1. XXXX XXXX XXXX XXXX After your investigation is complete, please send me the results via mail. 

Thank you in advance.

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 2022-04-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX was done on XX/XX/2020 at the dealership. 

Recently I looked at a copy of my credit report and noticed an incorrect account. I feel that this account is adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate this item for me to ensure accuracy. 

Here is the item I am asking you to verify as reporting accurately : 1. XXXX XXXX XXXX  XXXX After your investigation is complete, please send me the results via mail. 

Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX was done on XX/XX/2020 at the dealership. 

Recently I looked at a copy of my credit report and noticed an incorrect account. I feel that this account is adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate this item for me to ensure accuracy. 

Here is the item I am asking you to verify as reporting accurately : 1. XXXX XXXX XXXX XXXX After your investigation is complete, please send me the results via mail. 

Thank you in advance.

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 2022-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio
State: CA

Complaint narrative:
Hello, I have an account on my credit from a company called XXXX XXXX XXXX XXXX. I sent them a dispute because I had never heard from them, nor had I ever heard from the original creditor about the alleged said debt. According to them they are collecting on behalf of XXXX XXXX?? 

There is currently and has never been an account on my credit from XXXX XXXX. I have never even heard of them before. However, I received an alert about my credit that XXXX XXXX XXXX XXXX placed account number XXXX on my credit in this regard. 

I immediately, contacted them by way of a certified letter which they received. They have failed to respond to me, it's has been over 45 days. The account remains on my credit and they changed the status to report as closed. The account doesn't not belong to me and it need to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-22 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: FL

Complaint narrative:
On dates XX/XX/XXXX I sent a letter to the credit bureau transunion informing them of inquiries on my credit report that I did not authorize, along with proof of an email I received from the president of XXXX ( see below from the company/creditor ) stating they also reached out to transunion to delete these inquires off my credit report. Here it is over a year and they have yet to remove them. I also sent a recent letter along with proof again on XX/XX/XXXX and they still have not remove these inquiries. 

RE : Duplicate Credit Bureau inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX, XXXX XXXX to me Dear XXXX XXXX, Thank you for taking the time to speak with me on XX/XX/XXXX. As we discussed, I have submitted two requests to the credit bureau to delete inquires for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The updates to your personal credit report may take up to 60 days. Should you have any additional questions or concerns, please feel free to contact me directly at XXXX ext. XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX T : XXXX XXXX XXXX XXXX F : 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 2022-04-22 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: RI

Complaint narrative:
After careful examination of my credit report from both Experian and XXXX, I noticed several inaccuracies and notified Experian and XXXX. My original request to challenge the accuracy of information report on my credit report was mailed to Experian XX/XX/2022, certified mail, article # XXXX XXXX XXXX XXXX XXXX. Since I hadn't received a response, I then mailed another letter dated XXXX Then I mailed follow-up nonresponse letter dated XX/XX/XXXX. To date, I've yet to be notified an investigation was performed on my behalf.

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 2022-04-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. XXXX XXXX  XXXX XXXX have fraudulent late payments on my credit profile that need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: MI

Complaint narrative:
EXPERIAN is falsely reporting information on my account that I never gave consent to share, and further more I never gave consent to the companies that are reporting collections accounts to these bureaus. I've sent certified written communications to all parties involved and they continue to harass and violate my rights to privacy.

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 2022-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Husband was contacted by Bank of America saying someone is trying to open a account under his XXXX and has his S.S number, Birthday, phone phone. And are using different email.

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 2022-04-22 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: VA

Complaint narrative:
IQ Data International at XXXX XXXX XXXX XXXX, WA XXXX has been sending me collection notices in the amount of {$2200.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
they blacklisted me but they deny me for another reason but they told the credit manager at the dealer im blacklisted and ill never be able to get a loan from chase

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-22 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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