vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have disputed a bankruptcy that has been reported on my credit profile by XXXX. I received a correspondence stating that I needed to dispute the bankruptcy reporting with the data furnisher, XXXX XXXX. I disputed the inaccuracy of the data furnished by XXXX XXXX stating that there was an error on their part and that my profile was mixed with someone else 's with a similar name ; they removed the bankruptcy reporting from my profile on XX/XX/XXXX. I then resubmitted a dispute to XXXX. XXXX  replied in XX/XX/XXXX stating that the reporting was verified with XXXX XXXX as being accurate. XXXX  is being dishonest. I have attached the correspondence from 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 2021-02-24 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: CA

Complaint narrative:
I reviewed a copy of my credit report and the following companies ran an unauthorized credit inquiry on me. I NEVER AUTHORIZED such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I called Transunion and explained to the representative I did not authorize these transactions, and I could not get any assistance from the creditor. Everyone seem to be giving me the run around. I understand that Transunion inadvertently removed inquiries from a number of reports and re-inserted the information. I called and explained that I didn't do this, and I was told I was not a victim ; however I believe I am a victim of their mistake, and therefor I want to file a complaint, and maybe get some assistance. Thank you in advance. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 2019

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 2021-02-24 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: FL

Complaint narrative:
Never gave this consumer reporting agency EQUIFAX any written consent to report anything to my consumer report which is a violation of FCRA. Pursuant to 15 USC 1692 ( a ) this an invasion of my privacy by reporting things to my consumer report without written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: NC

Complaint narrative:
I have submitted 2 CFPB complaints and I sent several requests to investigate a few inaccurate accounts on my credit profile on XX/XX/XXXX, and XX/XX/XXXX, and XX/XX/XXXX. It has now been 90+ days since I sent my inquiry, but I have yet to receive a response. I'm looking to purchase a home and these inaccurate records on my profile are stopping me from achieving my dreams.

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 2021-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Tuesday XX/XX/XXXX my direct deposit was sent to paypal and then they held it and then closed my account saying they won't return to unemployment but hold for 180 days

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo is taking money stolen by XXXX XXXX and won't help me retreive it

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 2021-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: TX

Complaint narrative:
I don't recall that I had a record with these authorities/loan bosses. I've requested on various occasions to send verification from proprietorship however they haven't agreed to my solicitation yet.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
I noticed that there is an interest mistake on the billing statement on XXXX. Balance subject to interest rate ( {$760.00} ) is {$230.00} more than the new balance ( ( XXXX ). Regularly balance subject to interest amount is matched with the new balance.In such way interest ) {$14.00} ) will be overrated {$5.00} or more. So I called chase company to request explaining. The chase credit card department supervisor ( XXXX  rudely hung out my phone call at the beginning. Then I called again to ask for refund the overrated charged interest. She said No and she started to laugh about CFPB. She said consumer bureau can do nothing to make her change. She refused to change the wrong interest amount and declined my refund request. Chase company made Balance subject to interest rate big so they could suck more interest with no sense. She responds nothing about COVID-19 assistance. Chase company tried to suck peoples interest as much they could. Since they declined my kind request and disrespected consumer bureau, I would like to get the refund for the recent three month interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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:
This is an formal notice that the bureau have failed to respond to my dispute letter within the 30 day investigation period. As you are aware, federal law requires you to respond within 30 days. It has now been over the period since the shipment of my letter. As you are no doubt aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. For this purpose, I have included a copy of the original request. The following items needs to be verified and deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
It has to do more than inquires. My credit scored dropped 23 points for no reason

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 2021-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have no record of this account that ever belonged to me with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied to my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX worked for XXXX XXXX & XXXX. Experian would not work 3 times after asking their chat box for help I was asked to send a request to XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX, XXXX XXXX using a form they specified on the XXXX XXXX site. However, form was no where to be found. Please help. Seems like a delaying tactic to avoid them making my report available. 

XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NJ 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 2021-02-24 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:
XXXX XXXX XXXX XXXX XXXX account is reporting a late payment for XXXX of 2020 on my credit reports that is violating the law. The Cares Act Section 4021 of the CARES Act amends Section 623 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) states that account affected by Covid-19 should not be reported late while Covid-19 is going on, and the law is retroactive to XX/XX/2020. The reported late payments should be updated to payed as agreed and the late payment removed from the credit reports based on the law.

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 2021-02-24 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: CA

Complaint narrative:
It has to do more than inquires. My credit scored dropped 23 points for no reason

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 2021-02-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
It has to do more than inquires. My credit scored dropped 23 points for no reason

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc.
State: NC

Complaint narrative:
I XXXX XXXX entered into a consumer credit transaction with Conn Credit Corp. on XX/XX/2018. I used my credit card as defined under 15 usc 1602 ( I ) and there was a finance charge involved as defined under15 usc 1605. Conn Credit Corp then took my credit and got a loan and began to violate 15 usc 1692e because they falsely represent the status of a debt. 

Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: PA

Complaint narrative:
I noticed fraudulent account on my credit report that are reporting inaccurately. I called these companies to dispute but they never did anything. I even sent letters to them 3 weeks ago still no reply. Multiple debt collectors have contacted me which is violation of usc 15 I want proof that I signed for these accounts and i want proof that I owe any debt.

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 2021-02-24 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I noticed fraudulent account on my credit report that are reporting inaccurately. I called these companies to dispute but they never did anything. I even sent letters to them 3 weeks ago still no reply. Multiple debt collectors have contacted me which is violation of usc 15 I want proof that I signed for these accounts and i want proof that I owe any debt.

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 2021-02-24 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: Global Lending Services LLC
State: GA

Complaint narrative:
Theres an inquiry on my consumer report from a company I do not recognize. I do not have an account with them under collection nor for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX # XXXX Balance {$61000.00} - Data furnisher is in Violation of FCBA 15 US Code sS 1666 " Adverse action '' never notified me about putting any negative information on my credit report or reason why?. The " Account Specifics '' " dates for payments '' and dollar amounts are all inconsistent. This negligence by the Data Furnisher has led to " Billing Errors '' on the " Payment Grid '' and Please remove from my credit reports consistency with amounts along with erroneous and inaccurate information between all 3 bureaus. These are violations of Eoscar and Metro2 protocol for the " carbon copy rule '' for all data furnishers to be in compliance. This was done to avoid the reporting of erroneous and inaccurate information between all 3 credit bureaus and the data furnisher is in violation. Please correct and update. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$9600.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete Immediately. 

XXXX XXXX XXXX XXXX XXXX  Balance {$1900.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX XXXX XXXX XXXX  Balance {$340.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete Immediately. 

XXXX XXXX XXXX XXXX XXXX  Balance {$1800.00} - This account is not mine unless you provide me with the corresponding documents according to FCRA that it is mine. Please delete for reporting inconsistent and inaccurate information.

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 2021-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is an formal notice that the bureau have failed to respond to my dispute letter within the 30 day investigation period. As you are aware, federal law requires you to respond within 30 days. It has now been over the period since the shipment of my letter. As you are no doubt aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. For this purpose, I have included a copy of the original request. The following items needs to be verified and deleted from my credit report immediately.

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 2021-02-24 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:
The account XXXX not my account. This account does not belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. Therefore this account must be deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: FL

Complaint narrative:
Never gave this consumer reporting agency TRANSUNION any written consent to report anything to my consumer report which is a violation of FCRA. Pursuant to XXXX5 USC 1692 ( a ) this an invasion of my privacy by reporting things to my consumer report without written consent.

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 2021-02-24 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: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
Theres an inquiry on my consumer report from a company I do not recognize. I do not have an account with them under collection nor for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: Westlake Services, LLC
State: GA

Complaint narrative:
Theres an inquiry on my consumer report from a company I do not recognize. I dont have an account with them under collection nor for review.

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 2021-02-24 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: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
XXXX XXXX XXXX .... Balance {$61000.00} - Data furnisher is in Violation of FCBA 15 US Code sS 1666 " Adverse action '' never notified me about putting any negative information on my credit report or reason why?. The " Account Specifics '' " dates for payments '' and dollar amounts are all inconsistent. This negligence by the Data Furnisher has led to " Billing Errors '' on the " Payment Grid '' and Please remove from my credit reports consistency with amounts along with erroneous and inaccurate information between all 3 bureaus. These are violations of Eoscar and Metro2 protocol for the " carbon copy rule '' for all data furnishers to be in compliance. This was done to avoid the reporting of erroneous and inaccurate information between all 3 credit bureaus and the data furnisher is in violation. Please correct and update. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX .... Balance {$520.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX .... Balance {$9600.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete Immediately. 

SOUTHWEST CREDIT SYSTEMS XXXX Balance {$670.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX .... Balance {$1900.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete Immediately.

Company response to consumer: Closed with explanation