vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-25 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:
All 3 credit bureaus have received a dispute about the following 7 accounts ( Bankruptcy, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX ) SEVERAL times which states that the information is not accurate. It is clear from the credit report I have attached that these accounts are reporting differently with each of the 3 bureaus which confirms that it is not reporting accurately. 

Please help me to have XXXX, XXXX and Transunion following federal law and remove all information that is inaccurate or incomplete as per the FCRA.

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 2021-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Information on my credit is incorrect and due to the incorrect information my credit score dropped 149 points. The incorrect information is ; there was a Transition of mortgage companies, from XXXX XXXX, Loan number XXXX to XXXX XXXX XXXX, Loan number XXXX. This was never a late payment, just a Transition Account. Will nee to correct XXXX XXXX XXXX, not as Account closed but as a Account Transition and must not show a not current payment status. Balance was paid in full every month. Contact information ( XXXX ) XXXX. The Accuracy for this account is incorrect, it has incorrect information on my credit report. This effect my payment history/rating making it incorrect. The information in the Remarks field is incorrect. Also, There was an incorrect charge of {$3100.00} added to my XXXX XXXX account, account number XXXX. This incorrect charge also caused my credit score to drop 149 points. This charge should never have been on my credit report, however now that the company has removed the charge from my credit report, my credit score has not recovered to the original +149 points. Contact Information ( 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 2021-02-25 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Information on my credit is incorrect and due to the incorrect information my credit score dropped 149 points. The incorrect information is ; there was a Transition of mortgage companies, from XXXX XXXX, Loan number XXXX to XXXX XXXX XXXX, Loan number XXXX. This was never a late payment, just a Transition Account. Will nee to correct XXXX XXXX XXXXXXXX, not as Account closed but as a Account Transition and must not show a not current payment status. Balance was paid in full every month. Contact information ( XXXX ) XXXX. The Accuracy for this account is incorrect, it has incorrect information on my credit report. This effect my payment history/rating making it incorrect. The information in the Remarks field is incorrect. Also, There was an incorrect charge of {$3100.00} added to my XXXX XXXX account, account number XXXX. This incorrect charge also caused my credit score to drop 149 points. This charge should never have been on my credit report, however now that the company has removed the charge from my credit report, my credit score has not recovered to the original +149 points. Contact Information ( 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 2021-02-25 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: Self Financial Inc.
State: IL

Complaint narrative:
This account was closed and should have should paid in full. I have been emailing and submitting tickets about the inaccuracy of my reporting and they are admamant my account is not open with XXXX or I dont know what I am talking about. I have included an extensive email trail for your review asking them to fix my account and providing proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Uplift, Inc
State: NY

Complaint narrative:
Upon review of my credit report I see a negative account report from a company named Uplift. I have attempted to reach this company via certified mail, asking for them to validate the debt as well as list it as DISPUTED on my credit report. The certified letter I mail was received by Uplift on XX/XX/2021. I have yet to receive a response from the company. They have NOT verified the debt and have NOT listed the account as disputed on my credit report. I have proof that the verification of debt request was received on XX/XX/2021 by Uplift and I have proof on my credit report it is not listed as disputed. They are in clear violation of the FCRA & FDCPA which protects consumers and allows us to request verification, and if none is provided within a 30 day time frame it must be removed from our credit report. I expect that this company will comply with the laws set forth and remove this item from my credit report in a timely fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

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 2021-02-25 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: ID

Complaint narrative:
Multiple disputes have been sent to TransUnion since XX/XX/XXXX against fraud-initiated inquiries ; however, to date, these fraudulent inquiries continue to report on the TransUnion credit report. 

Fraudulent inquiries reporting include : XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ) and XXXX XXXX XX/XX/XXXX ). 

Full documentation including a police report were sent to TransUnion to support fraud claim on these inquiries. Disputes were mailed to TransUnion on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX. The last dispute was sent after reviewing the TransUnion credit file on XX/XX/XXXX and finding all disputed inquiries still reporting.

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 2021-02-25 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:
5th attempt to remove this ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX Account XXXX This item was either updated or deleted. Please review your report for the details. 
Show Details | View your Report | View your credit score Processed + 'icon ' Processed XXXX XXXX XXXX Account 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 2021-02-25 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:
5th attempt to remove this ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX Account XXXX This item was either updated or deleted. Please review your report for the details. 
Show Details | View your Report | View your credit score Processed + 'icon ' Processed XXXX XXXX XXXX Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
Is reinsertion illegal? I believe it is. Back in XXXX I wrote Caine Weiner a basic dispute letter I found on XXXX. They removed the account from my credit between then and XXXX. That item has reappeared out of no where on my credit, same company and everything. This is totally illegal. They can not reinsert an item after they requested account deletion from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: National Credit Adjusters, LLC
State: IL

Complaint narrative:
I just looked at my credit report and was shocked to see the errors listed in this correspondence. I am writing to have you remove these erroneous items from my credit profile immediately. 

The following accounts needs to be removed immediately : Account Name : XXXX Account Number : XXXX Amount : {$53.00} Reason : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. 

Account Name : XXXX Account Number : XXXX Amount : {$3900.00} Reason : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Amount : {$540.00} Reason : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. 

Account Name : XXXX Account XXXX : XXXX XXXX : {$3800.00} Reason : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. 





Account Name : XXXX Account XXXX : XXXX XXXX : {$230.00} Reason : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. 

Account Name : XXXX Account XXXX : XXXX XXXX : {$390.00} Reason : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. 


The following Inquiries need to be removed immediately from my credit profile : Creditor Name : XXXX Date of Inquiry : XX/XX/20 Reason : This inquiry was made without my knowledge or consent and I would like to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, remove it immediately. 

Creditor Name : XXXX XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/20 Reason : This inquiry was made without my knowledge or consent and I would like to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, remove it immediately. 

Creditor Name : us small bus admin oda Date of Inquiry : XX/XX/20 Reason : This inquiry was made without my knowledge or consent and I would like to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, remove it immediately. 


By provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit profile. It is my understanding that you will recheck these items with the creditor who posted them. Please send an updated copy of my report to the above address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: AFNI INC.
State: IL

Complaint narrative:
I just looked at my credit report and was shocked to see the errors listed in this correspondence. I am writing to have you remove these erroneous items from my credit profile immediately. 

The following accounts needs to be removed immediately : Account Name : XXXX Account Number : XXXX Amount : {$53.00} Reason : XXXX verify and validate all data for this account, every notation, dates and balances, whether reported or not. 

Account Name : XXXX Account Number : XXXX Amount : {$3900.00} Reason : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. 

Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Amount : {$540.00} Reason : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not.

Account Name : AFNI Account Number : XXXX Amount : {$3800.00} Reason : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not.

Account Name : AFNI Account Number : XXXX Amount : {$230.00} Reason : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. 

Account Name : XXXX Account Number : XXXX Amount : {$390.00} Reason : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. 


The following Inquiries need to be removed immediately from my credit profile : Creditor Name : XXXX Date of Inquiry : XX/XX/20 Reason : This inquiry was made without my knowledge or consent and I would like to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, remove it immediately. 

Creditor Name : XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/20 Reason : This inquiry was made without my knowledge or consent and I would like to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, remove it immediately. 

Creditor Name : us small bus admin oda Date of Inquiry : XX/XX/20 Reason : This inquiry was made without my knowledge or consent and I would like to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, remove it immediately.

By provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit profile. It is my understanding that you will recheck these items with the creditor who posted them. Please send an updated copy of my report to the above address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
I have been trying for months to get paypal to verify my XXXX account. All I keep seeing is that it will happen in 3 business days but then it says I need to resubmit my info. I do this and still nothing happens. I need someone with a quarter of a brain to help me because they have XXXX customer service options and just ignore you as long as they get their money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-25 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 — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I made two disputes on charges made by my XXXX, XXXXXXXX XXXX XXXXXXXX XXXX in XXXX. 

XX/XX/2021. Marchant charged {$38.00}, which includes {$28.00} XXXX service covered by my XXXX XXXX  plan XX/XX/2021. Marchant charged {$280.00} while XXXX approved {$230.00} as my copayment amount. 

I have submitted documents to prove these two overcharges to CitiBank N.A., but they made multiple mistakes, and now ended up charging me more than the original amount. 

Transaction on XX/XX/2021. Citi first gave me a conditional credit of {$28.00}, and later reversed the entire amount, so I still pay the merchant {$38.00}. 

Transaction on XX/XX/2021. Citi mistakenly charged me {$230.00} on top of the existing amount. So, I now have to pay {$510.00}. 

I contacted Citi Contact Center three times by phone ( XXXX ) on XXXX XXXX, XX/XX/XXXX and XXXX XXXX, and also contacted their representatives using their chat service on XXXX XXXX. They have failed to resolve the issues. 

Thank you for your attention. I have attached the following four documents.

1 ) Explanation of Benefit provided by XXXX on the service on XX/XX/2021. It indicates that I do not owe the merchant {$0.00}. The merchant later gave me a breakdown of {$38.00} ( {$28.00} for XXXX and {$10.00} for XXXX ). 
2 ) XXXX Coverage Info, which indicates that XXXX is covered under my insurance 3 ) Explanation of Benefit provided by XXXX on the service on XX/XX/2021. It indicates that my copayment is {$230.00} instead of {$280.00}. 
4 ) A list of related transactions in the Citi statements

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 monetary relief
Consumer complaint received 2021-02-25 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: Selene Holdings LLC
State: NJ

Complaint narrative:
Selene Finance has not corrected the 30 days paid late twice on my credit report for the last quarter 2020 as agreed. I have sent proof on my previous complaint and also emailed them directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
My escrow account has a surplus of over XXXX dollars and I have been unable to initiate a new mortgage escrow account analysis from Pentagon Federal Credit Union. Repeated calls to PenFed and requesting escalation of my request result in no action taken. Appreciate your assistance in helping me resolve this matter. 

Sincerely, 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 2021-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FMS Inc.
State: ID

Complaint narrative:
I have two other complaints for the same issue, but with different companies. I had a dispute with XXXX XXXX XXXX XXXX XXXX stemming from a XX/XX/2019 ER visit. That debt was sold to a collector. I disputed this charge with the CFPB XXXX XXXX XXXX XXXX, then later with a collections company. Both of them have pointed the finger at each other, and I have now received a notice from yet another collections agency, XXXX FMS for the same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: AL

Complaint narrative:
I have made several attempts with the following credit bureaus : XXXX, TransUnion, XXXX  all in certified-mail format. Enclosed were detailed information about inquiries, erroneous information and XXXX XXXX XXXX when they have received a judgment against them for defrauding consumers with these credit bureaus will not remove this information from my credit profile. An addition to all the inquiries I challenged as inaccurate information. I have disputed them numerous times on their websites and by certified mail. I am reaching out to get this matter resolved ASAP so as to improve my quality of life and receive the credit I have deserved and earned.

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 2021-02-25 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: AL

Complaint narrative:
I have made several attempts with the following credit bureaus : Equifax, XXXX, XXXX  all in certified-mail format. Enclosed were detailed information about inquiries, erroneous information and XXXX XXXX XXXX when they have received a judgment against them for defrauding consumers with these credit bureaus will not remove this information from my credit profile. An addition to all the inquiries I challenged as inaccurate information. I have disputed them numerous times on their websites and by certified mail. I am reaching out to get this matter resolved ASAP so as to improve my quality of life and receive the credit I have deserved and earned.

Company response to consumer: Closed with explanation