vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-01 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX  now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-01 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Albert Corporation
State: MO

Complaint narrative:
Albert has unauthorized deductions on my account several times and several weeks in a row. One week they apologize for a system failure and the next week they take back the refund plus more.

Albert is a scam and I hope this place gets shut down.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: TX

Complaint narrative:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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 non-monetary relief
Consumer complaint received 2022-04-01 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Good day Wells Fargo " Specialist '' I received your response today and as usual you have failed not only me as a Consumer, but you have failed the once pristine reputation of Wells Fargo. Should really think about changing your brand? Anyways youre previous and multiple responses do not address the cusp or root of the issue at hand. I'm not trying to persuade you to change your position based on new information. I'm stating that you need to change your position based on the information that has all already been provided. 
Again just because you deem the matter closed doesn't make it so... I did not except the almost identical terms and agreements of a loan that was deemed predatory and unlawful within our justice system. If I have to bring your so called modification in front of the Supreme Court for a final ruling I can do that as well. So to be clear, and keep in mind these complaints will be used against you as an attempt to resolve the matter amicably, the Modification was not handled in a manner that's been deemed fair and in the best interests of me the consumer based on my financial situation at the time. As a reminder then Attorney General XXXX XXXX named Wells Fargo as possible violator of the {$25.00} billion National Mortgage Settlement. Florida had received {$28.00} million as part of a multimillion, multistate settlement entered with Wells Fargo Bank N.A. to resolve claims that the bank violated state consumer protection laws, among other laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA

Complaint narrative:
This Debt is already being paid directly to XXXX. As Agreed. This needs to be removed from my credit reports ASAP. I have never been contacted or spoken to Wakefield and Associates. XXXX has been sending my bill to an incorrect ( old ) address. i finally received a bill as it was dropped off to me. i do not owe wakefield and XXXX a XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: TX

Complaint narrative:
Hi, my name is XXXX. On XX/XX/2022 I despatched a letter regarding an accurate and unknown things on my credit file to this present day over 45 days later I have now not received a reaction yet. I sense like Im being taken benefit of and being neglected. Section 611 ( a ), It states that a failure to research those items inside 30 days offers a motive to right now put off the ones objects from my credit document its been over forty five days so that they must be deleted right away. I call for that those bills be deleted immediately or I will report for litigation due to the stress you have precipitated me. My facts become also impacted by using the XXXX information breach and can are becoming into arms of the wrong character.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-01 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: TX

Complaint narrative:
Hi, my name is XXXX. On XX/XX/2022 I despatched a letter regarding an accurate and unknown things on my credit file to this present day over 45 days later I have now not received a reaction yet. I sense like Im being taken benefit of and being neglected. Section 611 ( a ), It states that a failure to research those items inside 30 days offers a motive to right now put off the ones objects from my credit document its been over forty five days so that they must be deleted right away. I call for that those bills be deleted immediately or I will report for litigation due to the stress you have precipitated me. My facts become also impacted by using the XXXX information breach and can are becoming into arms of the wrong character.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CL Holdings LLC
State: VA

Complaint narrative:
I received a letter about a debt that I owed in XX/XX/2008 in the amount of {$280.00}. This debt has been satisfied

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
Comenity Bank/Victoria 's Secret account was paid but is showing on the credit report that it is a unpaid collection/charge off on all three credit bureaus. It also reports conflicting information for the date opened and date last reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: NJ

Complaint narrative:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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 non-monetary relief
Consumer complaint received 2022-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XX/XX/XXXX I received a notice from my lender, XXXX, requiring that I secure flood insurance within 45 days or flood insurance would be force placed onto my account. The date of that letter was XX/XX/XXXX. I contacted my insurance agency, XXXX XXXX, immediately. After receiving some quotes I purchased a flood insurance policy with an effective date of XX/XX/XXXX. 

Fast forward to XX/XX/XXXX : I noticed my statement had a mortgage payment of {$2000.00}, instead of the usual {$1200.00}. I contacted XXXX on XX/XX/XXXX and they informed me that I've been force placed on flood insurance and the difference reflects the deficit in my escrow account. They gave me an email address ( XXXX ) and told me to email the declarations page of my insurance policy. After getting off the phone with XXXX, I immediately emailed the declarations page to them, as well as an email to XXXX XXXX agency alerting them of what's happened. I was told by XXXX that I'd need to wait about a week before calling again so they could request an escrow analysis & my payment could go back to normal. I called XXXX on XX/XX/XXXX at XXXX and spoke to someone who told me that he could see the documents and he would submit for an escrow analysis to be done prior to the XX/XX/XXXX payment date. I'm a new mother and an {$800.00} difference in my mortgage payment is significant. I called XXXX again today, XX/XX/XXXX, at XXXX and spoke with XXXX who told me that yes she could see the request for an escrow analysis put in on XX/XX/XXXX, but that it was denied on XX/XX/XXXX because " it's scheduled to be done in XXXX. '' I asked to speak with a supervisor, so XXXX connected me with XXXX, who also told me that there's nothing I can do because an escrow is not scheduled to take place until XX/XX/XXXX. XXXX told me that I just need to pay the {$2000.00} for both XXXX and XXXX because they won't do the analysis. It is my belief that XXXX has the ability to run an escrow analysis to correct my mortgage payment and have it accurately reflect the refund of the force placed flood insurance policy but they refuse to because it is easier for them to collect an additional {$800.00} per month, for XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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:
Hi, my name is XXXX. On XX/XX/2022 I despatched a letter regarding an accurate and unknown things on my credit file to this present day over 45 days later I have now not received a reaction yet. I sense like Im being taken benefit of and being neglected. Section 611 ( a ), It states that a failure to research those items inside 30 days offers a motive to right now put off the ones objects from my credit document its been over forty five days so that they must be deleted right away. I call for that those bills be deleted immediately or I will report for litigation due to the stress you have precipitated me. My facts become also impacted by using the XXXX information breach and can are becoming into arms of the wrong character.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received a letter letter from Kohls in late XXXX stating my account was passed due. I called XX/XX/XXXX and the automated system using my social security number stated I had a XXXX balance. I then preceded to select the option for customer service to figure out what was going on with the letter. I was told that " yes, you have a XXXX balance and please ignore the letter as it was sent out by mistake. '' I recieved another letter in XXXX that I did ignore based on my conversation with that Kohls ' representative. I then recieved a letter at the end of XXXX stating my account had been suspended, I called XX/XX/XXXX and again was told by the automated system I had a XXXX balance. I proceded to customer service again, where I was told again I had a XXXX balance. I continued to press the seriousness of the situation and that's when the representative " found '' another account under my social security number. He then gave me two phone numbers to call because he could not help me. I called the first number ( XXXX ) XXXX and it was " no longer in service '' then I called the other number ( XXXX ) XXXX and was sent directly back to the same recording for the original number I called ( XXXX ) XXXX, I chose customer service again and asked for a supervisor but before that I had to explain the situation yet again. This time though he found the second account in a few minutes and also stated I had been sent to collections and I could not pay off the " 2nd account '' so it didn't continue to report to the credit beauro, He again gave me the ( XXXX ) XXXX phone number and told me to wait for the " collections option. '' I called this number back and there was NOT a collections option, so I again chose customer service and immediatly asked for a supervisor, Again I had to explain the situation ( for the 3rd time ), and was told the " whole collections system was down '' and to call back Monday. I was also told that both my accounts would be deleted from Kohls but it wouldn't help with the collections agency or being reported to the credit beauros. I check my score because I was looking to purchase a vehicle and it dropped XXXX points. Kohls needs to be held accountable and have this infomation REMOVED from all 3 credit beauros immediatly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I opened a Capital One checking account 2 months ago. It's a join account I opened together with my husband and the purpose of account is pay a rent. 
In XXXX I tried to XXXX a money to my landlord but it didn't work. Capital One has a XXXX issue and they couldn't resolve it, I called them more than 10 times and went to the bank more than 3 times. The issue wa n't resolved. So I payed my rent by cash. But at the bank they told me I have an option to make a " Bill payment ' autopay which I did and set it up for every 25th in the month. I was charged on XX/XX/XXXX but the receiver has never got the money. Her bank is XXXX XXXX so we called her bank and they didn't get any transactions. I called Capital One more than 5 times and they don't know what happened with money and they don't know how to assist me. My money is stuck somewhere and I'm late with my rent. Could you please help me to resolve this issue and recommend me a legal help? 
Thanks in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: Receivables Performance Management, LLC
State: IL

Complaint narrative:
In XXXX of XXXX I leased a car from XXXX XXXX. It was a 2-year lease and they told me that if I turned the car back in before the 2-year time period I would not be required to pay any penalty. 
I turned in the car in XXXX of XXXX to XXXX XXXX ( an XXXX ) They told me that I dont owe any money. 
Almost three and a half years later I got a phone call from a debt collector and they also mailed a letter dated XX/XX/XXXX. The debt collector claims that I owe {$1200.00} that I do not believe I owe. 
Included in {$1200.00} is rent past due of {$170.00}. One week I did not pay because XXXX said that they had me covered because of the hurricane. If this were a legitimate debt owed to some company, I would have heard from that company. 
I received the 2nd letter and final communication from the debt collector on XX/XX/XXXX. 
I received no further communication past XX/XX/XXXX until about XX/XX/XXXX when the debt collector posted a collection notice on my credit. I have excellent credit which took years to get.

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