vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-25 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get a job, apply for an auto loan, apply for a credit card, or even get an SBA loan for my business. Under this crisis of Covid 19 you have hurt my ability to obtain credit. On XX/XX/2022 I attempted to submit a dispute for negative items on my credit report. I submitted my documents to identify myself and used certified mail to ensure the arrival of my dispute letters. I submitted a follow up letter on XX/XX/2022 and on XX/XX/2022 to comply with my demands so that they see I reached out to the consumer financial protection bureau and other agencies for their assistance in this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
TransUnion XXXX XXXX has reported a debt on my credit report. Account opened XX/XX/2020 The amount is {$1100.00} for a medical debt that I have no knowledge of. When I ask them to send me detailed information they just tell me its verified. Im request that this fraudulent information be removed from my credit report

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 2022-03-25 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I attempted to get my free credit report from Experian and was not able to do so with ease. This is a violation of my consumer rights pursuant to 15USC1681h ( c ) ( 1 ) ( B ) ( iv ).

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 2022-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I contacted TD Retail Card Services ( TD Yardcard ) on XX/XX/XXXX. I discovered that were charging me monthly fees on the account. This account is an interest free account, deferred, if paid by the final due date. I began the account payment by paying the first installment in full by its due date in XX/XX/XXXX. Then XXXX setup bi-weekly payments immediately so that I would get ahead of schedule to pay off the account before the final due date and thus insure no interest charges. TD accepted each bi-weekly payment but did not credit the account as a payment, instead began applying the payment to the principal. The amount due each month was {$170.00} and I was paying bi-weekly of {$100.00}. So in some months they received {$200.00} and in a few months {$300.00}. They have continued to accrue fees on my account saying I am not paying the amount due on time. I am perplexed and they refuse to correct this and apply the payments correctly. At this time I am over paid what is actually due to them and they are still charging me fees. They offered to rescind and credit one monthly fee but to me that is not acceptable. They say I have been late paying but that is not correct and I am actually overpaid. I want them to refund me all the months they charged a fee. They are charging {$40.00} each month now and it makes no sense. They just need to correct the application of the payment and I can prove that they have received more than the monthly due amount each and every month prior to the due date. They need to do the right thing here and they are refusing. 
Please help me out as I am a great paying customer who was paying ahead of schedule.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern, Dear CFPB, I would like to inform you of the negligence of the consumer reporting agency I am submitting a complaint against today. This CRA has been reporting incorrect and unvalidated information on my consumer profile that needs to be deleted immediately. I have not received any notification that my previous disputes have been initiated. I have attached my dispute to this complaint, and I am requesting that this CRA investigate these negative accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Finance System of Green Bay, Inc.
State: WI

Complaint narrative:
Finance System of Green Bay intercepted my State of Wisconsin XXXX income tax refund for a debt I do not owe. I made contact with XXXX on XX/XX/XXXX and asked for proof I owe the debt. It has been more than 30 days and I never received any information regarding proof of debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experienced Fraud/identity theft involved personal information that was stolen/compromised on the web which resulted in fraudulently applying for and obtaining 3 personal loans ttl $ XXXX, opening a bank account in my name ( fraud/identity theft ) and perpetrator used a phone number via XXXX XXXX that was obtained without my permission and/or knowledge to substantiate this fraud/identity theft.

Experian continues to report false phone numbers that I have never been associated with almost on a daily basis, even though my report has been locked and placed a fraud alert on XX/XX/XXXX. I have had to dispute these false phone numbers literally every day the past three days via online disputes with Experian and new phony phone numbers have shown up ( different ones ) that I'm not associated with nor ever have been the past few days, XX/XX/XXXX and XX/XX/XXXX My only phone number I have is my cell phone which is XXXX. I have had this number since 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 2022-03-25 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: EQUIFAX, INC.
State: UT

Complaint narrative:
A dispute was submitted to XXXX XXXX who was listed as the source for two dismissed bankruptcies on my Equifax Credit Report as inaccurate information and XXXX XXXX returned re-investigation results as removing the two bankruptcies from their report on XX/XX/XXXX. 

A dispute was filed with Equifax and proof of the deletion was included and highlighted, and Equifax is providing a generic response of accurate information. 

The dispute is for the removal of the bankruptcies. This has been an on going issue but I either do not get a response or I get another results letter stating it is accurate. 

Another re-investigation was filed with Equifax XX/XX/XXXX with proof and they just provided a electronic generated response and now they are saying the bankruptcies are listed as discharged and not dismissed, but still naming XXXX XXXX as the source of bankruptcies that are not on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The CFPB closed my case # XXXX, but Equifax has not responded. 
Equifax only stated it has started an investigation and the CFPB closed the complaint. 
Equifax has not investigated nor has it responded to any specifics. 
Why has the CFPB concluded that the case is closed? 
Equifax is required to respond to my complaint with a re-investigation and report its findings to me, which it has not done. so, why has the CFPB closed the case with nothing from Equifax?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Wilber and Associates, P.C.
State: ID

Complaint narrative:
Received a letter from Wilber & Associates, P.C. attempting to collect a debt of XXXX for an auto accident that I was not involved in and a car that was not registered or insured by 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 2022-03-25 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I mailed all three credit bureaus a letter disputing some inaccurate things on my credit report. It has been almost 70 days and I have not received a response. I understand that COVID has caused a lot of thing to slow down, but this is a bit too long waiting for a response. Reviewing some of the the things on my XXXX report makes me feel that I have been impacted by their data breach and my personal information has been used by the wrong person or persons. This has caused me quite a bit of stress especially dealing with the deaths of my friends due to XXXX I am asking that these items be removed from my credit report.

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 2022-03-25 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I mailed all three credit bureaus a letter disputing some inaccurate things on my credit report. It has been almost XXXX days and I have not received a response. I understand that XXXX has caused a lot of thing to slow down, but this is a bit too long waiting for a response. Reviewing some of the the things on my Equifax report makes me feel that I have been impacted by their data breach and my personal information has been used by the wrong person or persons. This has caused me quite a bit of stress especially dealing with the deaths of my friends due to XXXX. I am asking that these items be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Heartland Resolution Group, LLC
State: TX

Complaint narrative:
I received this letter about a medical debt to XXXX hospital for a visit that took place on XX/XX/2014. For a debt of {$60.00} on a {$820.00} balance reduced to {$9.00}. I am up to date with payments for XXXX Hospital because I am still a patient. 

Also I just received this letter in the mail today and I know its a scam so Im sending this info to your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pendrick Capital Partners
State: TX

Complaint narrative:
I received this letter about a medical debt to XXXX hospital for a visit that took place on XX/XX/2014. For a debt of {$60.00} on a {$820.00} balance reduced to {$9.00}. I am up to date with payments for XXXX XXXX because I am still a patient. 

Also I just received this letter in the mail today and I know its a scam so Im sending this info to your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PENTAGON FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I received several letters in the mail XX/XX/2022 from a Credit Union stating that I had attempted to open several accounts with them, and another welcome letter containing a debit card. I did not attempt to open any accounts from anywhere. 

The account that managed to be opened was opened on XX/XX/2022. 

I found the Credit Unions website and called around until I got an employee who then flagged my account ( s ) as fraudulent. The employee said that I would be getting an affidavit in the mail from their fraud department that I would have to sign in order to close the account ( s ). 

It has been a month since that call, but have not seen the affidavit come in the mail. 

Today, I received a welcome packet from the same Credit Union for the same account number that the debit card came with, so I called again. 

The person I spoke to today assured me that any accounts associated with my name are flagged, so nothing can be opened or used, and that the affidavit is definitely on its way. We shall see.

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 2022-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
On XX/XX/2022 I received correspondence from a company named as Midland Credit Management stating that I owed {$570.00} I have never done business with this company and do not understand why they have my personal information, my home address, my social security number and I am terrified that these XXXX will continue to extort me for a debt that does not belong to me. And according to the verbiage they sent to me which was charged off and indicates that a 1099C was filed and they are attempting to extort me and commit some type of tax fraud. I have not given this debt collector any consent to be contacting me which in accordance to15USC1692c ( a ) so receiving this bill from this debt collector is usual and appalling. Upon understanding my consumer rights and reviewing my credit report this is a direct violation of 15USC1692d ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I attempted to obtain my free consumer report from TRANSUNION but was not able to do so with ease. I am very frustrated because this report is to be accessed with ease pursuant to 15 USC1681 h ( c ) ( 1 ) ( B ) ( iv ) but receiving my report has not been easy for 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 non-monetary relief
Consumer complaint received 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: IL

Complaint narrative:
They are reporting my background that was expunged years ago causing me to not obtain employment from several jobs I have applied for XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX company as well

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.

Complaint narrative:
I submitted a dispute to Equifax online on XX/XX/2022 regarding items on my credit report collections that did not belong to me. I have escalated the dispute to investigations multiple times over XXXX and XXXX. The problem has still not been resolved as of XX/XX/2022. They give me different information every time I call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: MO

Complaint narrative:
I applied for the PSLF waiver as I have worked for the State of Missouri for over 10 years and made lots of unqualified payments. After they spent months reviewing my information ( despite my correct information being entered ), they said I actually had LESS qualifying payments than before. I have called will be on hold for hours and then who answers transfers me to PSLF person to only be on for HOURS more. No one has any answers or help and this is a joke.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XXXX I was giving a hard inquiry from SunTrust DBA Lightstream bank. I had called the bank in which I had no previous knowledge of to dispute the hard inquiry. The customer service representative stated they would report fraud but nothing has been done. The loan is still on my credit report as an hard inquiry. I never apply for SunTrust DBA Lightstream bank.

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 2022-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Date of XX/XX/2022, I received an alert from TransUnion app & XXXX XXXX app stating there has been a hard inquiry placed on my account. I quickly look into the account and notice this was an unauthorized inquiry. I was immediately suspicious and decided to contact the TransUnion Bureau immediately to resolve the issue. While I was on hold for TransUnion I decided to contact the fraud dept of the creditor reporting onto my credit file ( transunion only- no other bureaus received this inquiry ). The fraud dept of XXXX informed me there is no account open in my name or SS #. There was not even a application processed that day using any of my information. And it will be impossible to send a " letter of none records '' to the bureau reporting this matter if there is not account found ( per policy ). When spoke with TransUnion I was given a reference number to confirm the transaction that will take place ( removal of hard inquiry resulting in fraud ). The next day I called to check status, the representative did not have a clue what i was referencing to. The rep advised me to call the creditor instead even after being informed of my phone call previously. Today I am highly upset with what the bureau is exhibiting. The behavior of one of the reps was uncalled for she became very eager to disconnect the line after repeating her self constantly ( her dialogue was very heavy I could not understand her at all ). She disconnected. Consequently, I am writing a complaint and requesting a hard Inquiry be removed immediately as I have evidence this is fraud.

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 2022-03-25 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I mailed all three credit bureaus a letter disputing some inaccurate things on my credit report. It has been almost 70 days and I have not received a response. I understand that COVID has caused a lot of thing to slow down, but this is a bit too long waiting for a response. Reviewing some of the the things on my Equifax report makes me feel that I have been impacted by their data breach and my personal information has been used by the wrong person or persons. This has caused me quite a bit of stress especially dealing with the deaths of my friends due to XXXX. I am asking that these items be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I have attempted to contact CONVERGENT OUTSOURCING on numerous occasions, asking that they provide validation that this debt is owed by me. The company has not responded to any of my letters and have not been able to provide validation that the debt is rightfully mine. 

However, every week or so, they go in and flag the collection to the credit bureaus. They are clearly operating unethically.

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