vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-20 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: NY

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2021-12-20 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: NY

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2021-12-20 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: KS

Complaint narrative:
Please i need someone to help me here. I sent out my first dispute letter to Equifax XX/XX/2021 and again every single month up to XXXX and to this day i have never received any information on the investigation status, deletion status or even verified. There are XXXX inaccurate accounts on my Equifax report and they are listed bellow yet Equifax or The companies have yet to verify these accounts. I am completely in the dark and it has been well over 30 days. XXXX  days to be exact and this is really stressing me out. They are reporting unverified inaccurate information and it is really hurting my credit score. How can i get them to remove the unverified information from my report? This is crazy how they can just drag me through the mud like this. They are in violation of 15 united states code 1681 ( a ) and at this point i think it's deliberate bc i have asked them to investigate over 4 times and still nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: AR

Complaint narrative:
I sent LexisNexis two invoices for {$1000.00} each for their violation of 15 U.S. Code 1681b Permissible Purpose of Consumer Reports. Back in XX/XX/2021after I disputed a bankruptcy on my LexisNexis report, LexisNexis sent me a response letter to inform me that they had removed the bankruptcy from my report in accordance with the FCRA 15 U.S. Code 1681b. LexisNexis admitted their violation of this Consumer Law, by furnishing XXXX and XXXX my Bankruptcy information for a profit. The Law mentioned above clearly states what a permissible purpose is and that the ConsumeXXXX shall have consented, orally, in writing, or electronically to the procurement of the report by that person, in which I did not consent to. 

XXXX and XXXX has also confirmed that they received my bankruptcy information from LexisNexis after I conducted a dispute with them both. When I called LexisNexis on XX/XX/21 they gave me the run around and indicated that they didn't see my invoices I sent them. I informed LexisNexis that I sent the invoices via priority mail and that I have a tracking number that proves they received it on XX/XX/2021.All documents are attached to this complaint that will be needed for proof. I informed LexisNexis that the FCRA states that for every violation of the FCRA it can range anywhere from {$100.00} to {$1000.00}, and by them illegally reporting my bankruptcy information to the credit bureaus, it has caused problems. I have attached to this complaint a letter from XXXX Credit Card XXXX, informing me that I was turned down for credit because of a bankruptcy being reported on my credit report. I need for LexisNexis to honor these invoices attached to this complaint since they claim they can't find them, I'm sending them to LexisNexis again, so please see the attachments LexisNexis.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: KS

Complaint narrative:
Please i need someone to help me here. I sent out my first dispute letter to Equifax XX/XX/2021 and again every single month up to XXXX and to this day i have never received any information on the investigation status, deletion status or even verified. There are XXXX inaccurate accounts on my Equifax report and they are listed bellow yet Equifax or The companies have yet to verify these accounts. I am completely in the dark and it has been well over 30 days. 120 days to be exact and this is really stressing me out. They are reporting unverified inaccurate information and it is really hurting my credit score. How can i get them to remove the unverified information from my report? This is crazy how they can just drag me through the mud like this. They are in violation of 15 united states code 1681 ( a ) and at this point i think it's deliberate bc i have asked them to investigate over 4 times and still nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
My account was recently closed for no reason I have not charged in some month 's but we are in a pandemic. This is a XXXX XXXX XXXX bank card. Reopen with a higher limit removal from My credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc.
State: IL

Complaint narrative:
I received treatment by XXXX XXXX XXXX on XXXX. They sent the bill to collections through United Collection bureau XXXX for {$600.00}. 
I paid the {$600.00} in full. 
My health insurance paid the claim on XX/XX/2021. The collection bureau is refusing to refund or correct the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: KY

Complaint narrative:
I have several inquiries on my consumer report as a result of identity theft. I brought this to the companies attention and these inquiries are still on my consumer report, causing me great financial distress. My proof identity is attached below with my Social security card. These inquiries are as follows : XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX XXXX. These inquiries pertain to XXXX AND TRANSUNION.

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 2021-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
On XX/XX/XXXX at approx XXXX, I tried to used my PNC debit card to withdraw {$450.00} from XXXX XXXX thru XXXX XXXX ATM XXXX at XXXX XXXX XXXX, XXXX XXXX NJ, XXXX. 

When I finally submitted the amount I wanted to withdraw the ATM acted as though it wanted to dispurse my funds, but the tray feed never opened and no funds were dispersed. The ATM counted down XXXX seconds I believe to alert me to take cash or it would cancel transaction. As there was no cash to take the time went to zero and my transaction was canceled. I went to put the debit card in ATM again but was told I was unable to process any transaction at that time. 

I checked my bank account and {$450.00} was taken from my account. {$450.00} for the expected cash that was never received, and {$3.00} for the ATM transaction fee. 

I first contacted PNC Bank Customer Service to log my complaint and was told that I needed to speak to XXXX XXXX in order to fix the matter. 

I proceeded to contact XXXX XXXX and they told me that I needed to contact PNC for the matter to file a dispute. 

I contacted PNC again to begin the dispute process which had a reference number of # XXXX. 

{$450.00} was credited to the account until the dispute was resolved. 

XXXX I received notice that the dispute investigation was completed and that there was no wrong doing in the ATM and that the total of {$450.00} would be taken back. 

I contacted PNC again to dispute this further with new ref # XXXX and to receive the documentation they used in their judgment for the initial dispute. 

On XX/XX/XXXX I received another notification that the 2nd investigation was complete for the same reasons. But have failed to receive the documentation requested used in said investigation. 

I will dispute this until judgment is found in my favor as {$450.00} was taken from me and at no point did I ever receive. 

I have tried to contact XXXX XXXX again and ask for additional help as they are the owners and operators of the ATM vestibule but they refuse to help me in the matter and direct me again to PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I have requested a credit increase on multiple cards and never received it. On XXXX XXXX, 2021 I received a letter stating that Ive reached navy federal maximum unsecured limit, which is not true, I reached out to the bank personally and they offered no information as to why, when I could get one or what is going on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: MD

Complaint narrative:
I filed with trans union a dispute Report Created On : XXXX/XXXX/2021 File Identification Number : XXXX Provided by TransUnion Consumer Relations This account is XXXX XXXX XXXX XXXX XXXX $ it isnt my account address and entire social security number does not Match this is not my account removed immediately provide proof that this is my account I request you show my the entire social security number and address match me if not remove it asap before I enter law suite

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 2021-12-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: CURO Intermediate Holdings
State: UT

Complaint narrative:
I owe a debt to a payday loan company called Speedy Cash that I took out online. They call me multiple times a day, upwards of 6-7 times a day, sometimes before XXXX am and even as late as XXXX pm. I will decline a call and they will immediately call me back, yesterday it was three calls within a XXXX minute timeframe. I have answered and told them that they needed to quit calling me so much because I work in a XXXXXXXX and cant always answer, and yet they still repeatedly call me and are blowing up my phone all day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
The XXXX  score 8 algorithm is incorrectly penalizing my account for a delinquent payment when no such late payment is present. This delinquency is only present in the score 8 algorithm and not with any other scoring algorithm. I have checked my reports repeatedly and no delinquency is found. 

This first became an issue several years ago when I was looking at mortgages and my credit scores varied widely from agency to agency, I ultimately ended up not needing the credit so just ignored it in the hopes that whatever bug was present would be fixed. 

Recently, in XXXX 2021, I again was looking for a mortgage and was given a sub-par interest rate because of this supposed delinquency. Fortunately my partner was able to qualify independently so we were able to get an appropriate interest rate. However very recently, in XXXX of 2021, I discovered my credit limit had been reduced and when I asked for an extension I was denied. The reason was that I was given a poor score from the XXXX  8 algorithm which reported a serious delinquency as one of the major causes. 

The bank, Bank of America, informed me that the report used was generated from XXXX using the XXXX 8 algorithm. I checked my transunion report which is clean. 

While investigating this I found that it is a known problem that the XXXX  8 algorithm sometimes erroneously reports delinquent payments, for example this discussion the XXXX forums XXXX XXXX XXXX. I have attempted to contact XXXX  about this, but getting through to the right department has been difficult.

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 2021-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Affirm company has been dishonest and very misleading in their advertisement. I was told that I was pre-approved for {$2000.00} for a XXXX XXXX purchase with zero interest rate. The payments would be {$660.00} for six months. I took it but when I made my purchase it was just for {$660.00} because the item was on sale for 50 % less. 

Affirm is claiming that because the loan was approved for {$2000.00} that I must pay {$330.00} on XX/XX/XXXX even though the purchase was done later but the claim that's because the approval was done on that date. And then pay another {$330.00} in XXXX. 

That is not right. If my purchase is {$660.00} then my payment should be split into 6 parts as they were doing with the {$2000.00}. 

Their advertisement is quite confusing and misleading. If I will pay no interest and did not use the entire amount approved then I must only pay the amount used in installment not the amount approved. 

When I spoke with customer service they told me there is nothing they can do that is how the system generates the payment and they can not change it. 

They are truly misleading and disingenuous.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: KY

Complaint narrative:
I have several inquiries on my consumer report as a result of identity theft. I brought this to the companies attention and these inquiries are still on my consumer report, causing me great financial distress. My proof identity is attached below with my Social security card. These inquiries are as follows : XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX. These inquiries pertain to EQUIFAX AND XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
my ex husband has open every possible phone account u can think of from XXXX to XXXX XXXX celluar wireless, XXXX in my name and my daughtere social my business name ported out several linee to ither companys and has cist me thousands of dollars he continues to use my credit cardd as well and my social too plewse help me

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 2021-12-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: TX

Complaint narrative:
On XX/XX/XXXX i received my receipt for paying off my debt from IQ Data systems. Since then i have repeatedly been harassed by the companies employees. They continue to contact me without investigating on their side where my money went, I have asked every single person that has called me to please get with their management to help them find the payment and all they do is continue to call me and harass me via phone with an entire new person on the line and all the employees claim that I end the call but they are the ones ending the call because i refuse to pay them a debt that has already been paid. 

This has been going on since XXXX and to be completely honest prior to paying the debt the employees yelled and talked in a very aggressive manner when i asked them for more time to pay. 

I would like to please have them stop calling me and harassing me please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: MO

Complaint narrative:
On 3 separate occasions I have attempted to remove a fraudulent address from my credit report at Equifax. I have filed the dispute process twice and never received any indication from Equifax it has investigated or removed the address. 

Today, I pulled my credit report and the address is still shown at Equifax. I attempted file another dispute, but, it will not let me as it says a dispute has already been filed. I attempted to call Equifax to resolve this and/or find out when this will be resolved. I can not get through to an agent. 

I am very frustrated by this and would like this removed ASAP. I suspect its fraudulent and Equifax is ignoring my requests to resolve this perpetuating the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: MA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: MA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 2021-12-20 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: MD

Complaint narrative:
I filed with XXXX XXXX a dispute Report Created On : XX/XX/2021 File Identification Number : XXXX Provided by XXXX XXXX XXXX  This account is XXXX XXXX XXXX XXXX XXXX $ it isnt my account address and entire social security number does not Match this is not my account removed immediately provide proof that this is my account I request you show my the entire social security number and address match me if not remove it asap before I enter law suite

Company response to consumer: Closed with explanation