vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-10 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I as of late sent dispute letters to TransUnion, XXXX, and XXXX  on XX/XX/2021, presently it's XX/XX/2021, and I have still not got any examination results from one of the other Department. The explanation I'm recording this grumbling against them is that Government Law expects them to react within 30 days yet they have neglected to react. prior to agreeing with these Government Guidelines by credit revealing offices are explored by the Federal Trade Commission.

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 2021-07-10 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I as of late sent dispute letters to XXXX, Equifax, and XXXX  on XX/XX/2021, presently it's XX/XX/2021, and I have still not got any examination results from one of the other Department. The explanation I'm recording this grumbling against them is that Government Law expects them to react within 30 days yet they have neglected to react. prior to agreeing with these Government Guidelines by credit revealing offices are explored by the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Attached Screenshot proves XXXX  reported to XXXX {$0.00} balance due but they will not update my credit score, I need to help family get loan for medical, Please ask them to update my credit score

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 2021-07-10 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Attached Screenshot proves XXXX reported to XXXX {$0.00} balance due but they will not update my credit score, I need to help family get loan for medical, Please ask them to update my credit score

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 2021-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Please compel AMERICAN EXPRESS / BLUEBIRD to provide me full account history and balance. 

I request FULL TRANSACTION HISTORY specifying : 1 ) date, 2 ) dollar amount and 3 ) merchant BLUE BIRD / AMERICAN EXPRESS keep telling me I must setup an online account. I already setup an account and can not access balance or transaction history for this card. 

I believe I should have funds on this card - and can not access full transaction history online or via phone. I have tried for several months now to gain access to my account history - to no avail!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
A company called " Portfolio Recovery Associates '' keeps contacting me from different numbers. This is their XXXX  page : https : XXXX I don't know what debt they are trying to collect. They always ask for more and more information. They call me all throughout the day from different numbers. I don't know how to stop them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XXXX XXXX I had a boyfriend named XXXX XXXX XXXX - I believe? I thought he told me he was putting his check.in my account to help me pay Bill 's and then I thought he said some of it would go to his friends. I dont what happened clearly. I thought it was just his check and then he'd give some to his friends. I was stupid and naive and am now in counseling for my stupidy. I am getting over severe XXXX and my mom died from it and I did too. I'm just now recovering. So I made some poor choices. Anyways the next thing I know I have 5 people in my account with a wire transfer. I never thought that would happen. So now a XXXX named XXXX XXXX out of XXXX is threatening FBI and the cops for his money. As he was on the wire transfer. I never thought this would happen to me. I dont have his money. I dont know what the bank is doing with the money. They hardly answered me. I even got hung up on. So like the scammers got scammed in my account. I want the money gone back to its source. They all called me a liar and I am a XXXX as a veteranXXXX XXXXXXXX accent is so strong i misunderstood him. They have him almost XXXX XXXXXXXX out of XXXX. He made his mistakes and shouldn't be punished. They are cruel commanders and threatening FBI. And I'm innocent. A clean heart. Thank you please assist in spite of my mistakes. It's still wrong XXXX XXXX XXXX XXXX XXXX. Dob : XXXX. Last four of social is XXXX. Email is XXXX Ps its wells fargo case # 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 2021-07-10 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
My car was broken into and some of my personal identification was taken. I have since noticed that several attempts has been made to purchase things using my information that I did not do. The things listed on this report is fraud and 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 2021-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I tried to have a wrong address removed through your website, however Equifax removed 5 CORRECT addresses I had resided in for almost 5 years OR MORE ERRONEOUSLY ... 
I NEVER ASKED IN MY COMPLAINT REMOVAL OF FIVE OF THESE ADDRESSES ... 
PUZZLED AS HOW AND WHERE FROM THEY GOT THE IDEA AND TOOK THE INITIATIVE OR RIGHT TO DO SO. I HAD ASKED THAT THEY REMOVE ONLY THE XXXX ADDRESS, AND THAT THEY RE-INCLUDE ANOTHER ADDRESS ON XXXX THEY HAD REMOVED ERRONEOUSLY WHEN IN 2018 I HAD TRIED TO REMOVE ANOTHER ADDRESS THAT DID NOT BELONG TO ME ... SO ONCE AGAIN, THIS TIME AROUND THEY REMOVED 5 CORRECT ADDRESSES INSTEAD OF 1, IN 2018 AGAIN ERRONEOUSLY. ( I ASKED EQUIFAX TO CORRECT, REINCLUDE THE ADDRESS IN 2018, I WAS PROMISED, GOT THE CONFIRMATION, IT WAS NOT INCLUDED IN CURRENT REPORT ). 
SO I AM DEEPLY CONCERNED FOR MY CREDIT REPORTS HISTORY GENERATED BASED ON ALL THESE ERRONEOUS ACTIONS. WHY IS IT SOOOO HARD, DIFFICULT TO GET A SIMPLE PROCESS OF REMOVING A WRONG ADDRESS, WHY DO THEY BECOME MORE CREATIVE AND DELETE THE CORREC ADDRESSES? HOW CAN WE TRUST A COMPANY ON ANY OF OUR PERSONAL INFORMATION? I GET DAILY BASIS PROMOTIONALS TO BUY THEIR SERVICES ... BASED ON THESE EXPERIENCES I AM ALMOST CONCERNED ABOUT ANY OF MY PERSONAL INFORMATION IN THEIR POSSESSION ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently sent a dispute letter to XXXX  and Equifax on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 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: ERC
State: PA

Complaint narrative:
Someone was suppose to handle the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
on XX/XX/2021 i filed certified mailed in disputes to dispute fraudulent activity on my credit report. i asked the credit bereau known as Transunio, XXXX, to complete and remove all negative items they had 30 days to resolve the dispute instead they did not ccomplete my dispute in a timely mannere by law thety have to remove those disputed items they are constantly letting these fradulent creditors report inaccurate items on my credit report im a victim of idenity theft i have no knowledge of any potential negative items or any items reflecting on my credit report please have the credit bereau to remove all negative items from my credit report im currently going through a attorney to legally sue the companies for reporting fraudulent information and selling my personal information to every creditor refectin gon my personal credit report items negaive are XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCLUDING ALL INQUIRIES NEEDS TO BE REMOVED AS WELL

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 2021-07-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello, I am filing this complaint in regards to my Equifax credit report. On the fourth of of XX/XX/2021 I tried to access my Equifax credit report and create an Equifax account ; however, I received the following error code " Please give us a call. We can't complete your request at this time. Please call the Customer Care team and mention error code NH. tel : XXXX XXXX XXXX XXXX '' That same day XX/XX/2021 I called Equifax via the telephone number listed above. They said I needed to have at least three open accounts to receive a credit score, and I should check with the other credit bureaus as well. They said the error code NH meant " No History ''. I then stated that I did have three accounts open ( including a revolving credit account ), and I also have access to my credit score from XXXX  and XXXX. After I stated this, the Equifax employee told me I needed to fax a cover letter ( stating that I need to validate the current information on my file and mention the issue ), date of birth, complete name, address, social security number, and drivers license. 

On XX/XX/2021 I faxed these documents to Equifax about twice ( just to be sure ) to XXXX. On XX/XX/2021 I called Equifax to see if they received my documents and they said they did not receive the documentation. I faxed it again the following day, and called Equifax again on XX/XX/2021 and they said they still had not received the documentation. I would like to get this issue resolved as soon as possible, because I am not comfortable with sending my information again. 

Thanks a lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently sent a dispute letter to XXXX  and XXXX  on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.

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 2021-07-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I recently received a response to two disputes that I made under FCRA 611 ( a ) regarding erroneous items on my credit report involving transactions with Account Number : XXXX Original Creditor : XXXX XXXX XXXX and Account Number : XXXX Original Creditor : XXXX XXXX It saddened me to learn that Experian verified the disputed items, electing to leave them on my report when XXXX  has recently removed the XXXX  account and XXXX  has recently removed the XXXX account and are still working on disputes for me. 
I am absolutely certain that the items I disputed are incorrect and should be removed, so I advised Experian that I was exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my disputes. 
They have NEVER RESPONDED to this request I personally made via phone, mail, email and via their online portal over 60 days ago. And now, discriminatorily they will not allow me to dispute these items online.

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 2021-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Wrong names reported as mine are included. 3 last ones appearing on TransUnion ARE NOT MINE ... NEVER DID BUSINESS WITH THESE 3 NAMES appearing last on the line of Names Reported. 
A MISSING ADDRESS IN XXXX XXXX. AN ADDRESS WITH A TYPO ( ASSUMING ) WITH WRONG APARTMENT NUMBER INSTEAD OF XXXX, TYPED XXXX. IT APPEARS ONCE WITH XXXX, THEN AGAIN SAME ADDRESS TYPED XXXX XXXX. The address on XXXX should be reported with calendar year 1994.

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 2021-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I opened my citi checking with {$1000.00} and savings with {$1000.00} online with the understanding that {$1500.00} between accounts was required.They have taken over {$500.00} in fees and continue to do so.

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 2021-07-10 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
on XX/XX/2021 i filed certified mailed in disputes to dispute fraudulent activity on my credit report. i asked the credit bereau known as XXXX, Experian, to complete and remove all negative items they had 30 days to resolve the dispute instead they did not ccomplete my dispute in a timely mannere by law thety have to remove those disputed items they are constantly letting these fradulent creditors report inaccurate items on my credit report im a victim of idenity theft i have no knowledge of any potential negative items or any items reflecting on my credit report please have the credit bereau to remove all negative items from my credit report im currently going through a attorney to legally sue the companies for reporting fraudulent information and selling my personal information to every creditor refectin gon my personal credit report items negaive are XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCLUDING ALL INQUIRIES NEEDS TO BE REMOVED AS WELL

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 2021-07-10 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 — Investigation took more than 30 days
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
on XX/XX/2021 i filed certified mailed in disputes to dispute fraudulent activity on my credit report. i asked the credit bereau known as XXXX, XXXX, to complete and remove all negative items they had 30 days to resolve the dispute instead they did not ccomplete my dispute in a timely mannere by law thety have to remove those disputed items they are constantly letting these fradulent creditors report inaccurate items on my credit report im a victim of idenity theft i have no knowledge of any potential negative items or any items reflecting on my credit report please have the credit bereau to remove all negative items from my credit report im currently going through a attorney to legally sue the companies for reporting fraudulent information and selling my personal information to every creditor refectin gon my personal credit report items negaive are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  INCLUDING ALL INQUIRIES NEEDS TO BE REMOVED AS WELL

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Hillcrest Davidson & Associates
State: VA

Complaint narrative:
I have contacted XXXX  ( creator of bill ) sent to XXXX XXXX XXXX  ( billing for XXXX  ) sent to Hillcrest Davidson ( collationer for XXXX  ). I have been told that the {$1500.00} bill they are trying to collect was for installation. We had XXXX in XXXX, Va.-sold and moved to -- .XXXX  , VA. temporally while home built -- -moved to new home. We had XXXX  in every location. We contacted XXXX as too what we might owe and they said nothing. XXXX sent billing history Which showed nothing. Several DAYS after moving in, we received a letter from a collection agency ( Hillcrest Davidson ) that we owe {$1500.00} they sent us to XXXX XXXX XXXX  ( which referred me to XXXX ) We already had a billing statement from them. I have been bounced around without satification. My wife paid a reduced amount of {$1000.00} to protect our credit. We were never notified that we owe a bill nor did we know how much and what for. We have a bill that we owed this, should they have notified me that it was owed and how much without any prior notification of debt? PLEASE HELP. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - first part missing -- - I had XXXX  in my home in XXXX, VAA -- sold moved to XXXX, Va. ( a rental ) -- - moved into new home in XXXX, Va. We called to see if we owed them anything, they sent payment history showing nothing owed. Days after moving we received a bill from a collection agency ( Hillcrest Davidson ) stating we owe {$1500.00}. My wife called and said we owe no such bill. She was scared of damaging our credit that she negotiated a lower price XXXX {$1000.00} which we did not owe. We started with XXXX who sent us to Safe streets Bank ( XXXX biller ) sent to XXXX XXXX XXXX  to Hillcrest Davidson sent to Safe streets bank sent to XXXX.

Company response to consumer: Closed with explanation