vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
please find attached my document, which i have mailed certified many times to Transunion, but unfortunately after many attempts, they are refusing to remove the suppression from my credit file, they have asked my to mail in letter because that is the only way to remove the suppression, but after each next day and certified mail, i have called and each time time they have mentioned they have not received my request as to remove the suppression, please i need you help to remove this suppression from my file, i am writing this complaint, because i need help. 
please have Transunion to remove this suppression from my credit file, since they are not being helpful in any situation thank you

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 2021-02-08 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: Credit Plus Inc
State: KS

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, XXXX, CREDIT PLUS add a hard inquiry on my credit reports. 
On XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX  XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX, GA XXXX add a hard inquiry on my credit report per XXXX 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CURO Intermediate Holdings
State: MO

Complaint narrative:
I, XXXX XXXX entered into a consumer credit transaction with Speedy Cash finance on XX/XX/2018. A consumer credit transaction is as transaction in which a finance charge is involved. Pursuant to 15 usc 1605 a finance charge is the sum of all charges I was not expecting a bill. I have been receiving bills from Speed Cash since XXXX which is a violation of 15 usc 1692b. Also, I sent them a certified letter in the mail, stating I wanted them cease and desist. They have received my letter on XXXX XXXX according to the stamp but have still got a withdraw out of my account from them on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX XXXX credit card issued by Citibank in 2017 was going fine until they started adding charges and amounts I did not incur, now they want {$560.00} for a credit line of {$300.00}. They have put a debt collection firm up my XXXX after I disputed the amount and tried to settle with Citibank but to no avail. 
Citibank has been a big problem as they ask for a huge amount that cant be paid then they go about painting you into a corner getting you to agree to terms that arent possible to keep until you demand they stop calling, this is after they have harrassed you for months. Then they put a debt collector on you who pulls the same stuff, it's impossible to get anything done with Citibank, they want blood when there's none to give. 
I

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 2021-02-08 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 XX/XX/2021 I sent a letter regarding an accurate 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 XXXX data breach and may have gotten into 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 2021-02-08 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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 2021-02-08 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:
I contacted Transunion to request a verification of information in my credit file. The following accounts are reporting inaccurately on my credit file : XXXX # XXXX and XXXX XXXX XXXX XXXX XXXX. On credit file they are reporting these accounts are included in XXXX  in the pay status section on my credit report. In the remarks they included XXXX XXXX  and XXXX XXXX respectively. They also reported they closed XX/XX/XXXX and XX/XX/XXXX respectively. How can anyone file for to different XXXX ( XXXX XXXX then XXXX with two different creditors )? 
By law you can only file for one or there other XXXX! 

If they conducted an actual investigation wouldn't they discover these are two different XXXX? I dispute that I am liable for either of these accounts and they belong to XXXX XXXX XXXX XXXX. 

I have included documents with my legal name XXXX XXXX XXXX XXXX not XXXX XXXX XXXX XXXX. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: RateGenius Loan Services Inc
State: CA

Complaint narrative:
In XXXX of 2020 I completed a refinance with rateGenius Loan Services , Inc. and I was told the new note holder is XXXX XXXX XXXX when I had to renew my DMV registration I was unable to because they had not paid and completed the title work process DMV keeps sending me emails of the required documentation missing and I keep sending it rateGenius Loan Services , Inc. they have not resolve this and I am scared of getting pulled over need to fix this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
I never received any notice that of the debt because the collection company was sending notices to an address that I did not live at anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: UBS BANK USA
State: FL

Complaint narrative:
Case number XXXX. Applied for a UBS Visa XXXX card in XX/XX/XXXX. Completed the paperwork and it was received XX/XX/XXXX. Then I got a letter third week of XXXX asking me to send copy of drivers license or utility bill on my name. I sent both and it was received XX/XX/XXXX. Then I called several times for an update. I was finally told on XX/XX/XXXX that the copy of the drivers license was not legible, even though I sent utility bill on my name as well. I sent them by email. I called several times after that and they confirmed they were received. Today I was informed my application was denied and the person on the phone told me I had to wait for the letter to know the reason. I have good credit, good income and good net worth. This has been the most difficult company Ive done business with, and Im unsure why they treat prospective clients this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: Credit Plus Inc
State: FL

Complaint narrative:
I have been XXXX XXXX  due to XXXX  I never tried to apply for anything. I need these companies removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: Allied Collection Services, Inc. (Nevada)
State: TX

Complaint narrative:
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 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 2021-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: MD

Complaint narrative:
I have been paying loan payments for years and today looked at how much I still owe. I also looked at how my payment were being applied to the loan. Most of my payment was going to interest. In two years I have reduced what I owe on the principle {$2000.00}. The cost of the car was {$12000.00} and still owe {$9900.00} after 2 years of Payments of {$330.00} a month ( {$8000.00} ). There is definitely something wrong in this equation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
This complaint is against Acura Financial Services and XXXX XXXX Credit bureau. Although I made payments on time by using XXXX XXXX XXXXXXXX online payment system, Acura Financial Services claim that they didn't receive payment on time due to post office delays because of covid-19. I called Acura customer service and was advised that everything should be fine and they will make a note of it and that no reporting will be done if they receive the payment by XX/XX/XXXX, XXXX. They received the payment on XX/XX/2021. However, they reported to Credit bureau anyway and that reduced my credit score. I also made another payment on line as well to pay them twice. The XXXX XXXX XXXX  Rep also talked with Acura Rep but Acura didn't correct the credit report. I am disappointed that Acura will treat a loyal customer of 4 years so badly and unprofessionally. I also reported to XXXX XXXX Credit Bureau but they have not corrected the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: TX

Complaint narrative:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXXXXXX Account Number XXXX Names and variations not mine XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Numbers- Not mine- never used- FCRA Violation ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX inquiries - XXXX  XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX XXXXXXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  All Banks - non specific Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXXXXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Employer ( s ) * XXXX XXXX XXXX * RETIRED XXXX XXXX XXXX RETIRED XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: NC

Complaint narrative:
On XXXX I pulled my 3 free credit reports from XXXX and after looking through my Experian credit report, I noticed some discrepancies and violations of my rights as a federally Protected consumer under Title 15 Chapter 41. I sent Experian a written dispute ( attached ) which they received on XXXX informing them that they were infringing upon my rights as a federally protected consumer. In this correspondence I informed them of rights that I had under Title 15 Chapter 41 and they ignored those rights and verified accounts on my report that should have never been on my report in pursuant to 15 USC 1681a ( 2 ) ( B ) which states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction disputed. All these disputed transactions should be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). 

The accounts in reference to the dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
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 2021-02-08 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have been sick hospitalized due to XXXX I never tried to apply for anything. I need these companies removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
JPMCB AUTO FINANCE ***** Opened XX/XX/2018 Balance {$21000.00} As a client, I now have privileges that are presented to me to secure me through misinformation being recorded on the credit report. Right now I wanted to get a final request for examination before I discuss with my lawyer for information on how to deal with inaccurate and unverifiable things that are ongoing to be approved as genuine. I highly recommend you offer me a copy of the contract authorized or voice conversation where I allowed billing me with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
I received multiple calls from Jefferson Capital to attempt an alleged debt. I never received any written information about disputing an alleged debt after initial communication via phone. I then took action to dispute the third party debt collection agency. I requested that Jefferson Capital to stop communication via phone by sending a Cease and Desist letter via certified mail. I also requested that the third party collection agency send me any information pertaining to the alleged debt. They received the certified mail on XX/XX/2021. I have yet to receive any documentation for the account. I received four additional phone calls after they received the Cease and Desist letter from Jefferson capital.

Company response to consumer: Closed with explanation