vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-12 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: FL

Complaint narrative:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on 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 2022-01-12 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: FL

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting 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 non-monetary relief
Consumer complaint received 2022-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Comerica
State: CA

Complaint narrative:
I went to the bank of comerica bank to do a cash advance on my debit card for the amount of XXXX which are my XXXX benefits the teller on XXXX they said it was denied on comerica end on which it cleared from my account never paid. Fraud and I feel the lady did it on purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have requested that my freeze be removed permanently XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX SS XXXX I have updated my address with the UNITED STATES POSTAL SERVICES as well. Please remove any and all Security freezes at once.

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 2022-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XX/XX/XXXX my card was fraudulently used for a cash advance of XXXX plus a XXXX cash advance fee. I very rarely use this card and did not activate the card after receiving it, so I was shocked that there was a charge. As soon as I realized there was fraudulent activity I called Barclays to let them know, that was XX/XX/XXXX. I received a letter dated XX/XX/XXXX that the fraud investigation has been completed and I am not responsible for the activity. In late XXXX I received an alert that I had a payment coming due. I called Barclays again, several times to try and get this resolved on at least XXXX, XX/XX/XXXX, I've been promised calls back, I got one call back on XX/XX/XXXX and was told that I had to speak to another department and they would call me back within 2 business days. This is the 4th business day without a call. I called again today to learn that someone tried to change the pin on my card on XX/XX/XXXX. At the moment the charge is still on my card, my payment is now past due and the card is accruing interest. I've now been told I have to call another department tomorrow during their business hours. This is very frustrating and concerning!

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 2022-01-12 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: PA

Complaint narrative:
I've tried getting help in regards to this account that i didnt open up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX AT XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: OK

Complaint narrative:
This is my third attempt on CFPB to get XXXX to remove negative information that I disputed via certified mail on here and with the XXXX XXXX failed to co.plete their investigation in 30 days. They are continuing ignore me and leave the erroneous information on my consumer report. They are leaving me no choice but to take all my proof to court and seek my remedy as allowed by law. XXXX per violation, I will also be seeking legal fees along with defamation of character along with other offenses. If the cfpb can't help resolve the issues than who does a consumer have other than the courts? XXXX is not above the law and I will not allow them to continue this behavior. I will not upload documents they received on here and via certified mail. They have it all already. It's been 44 days now and the investigation is not complete and they keep failing to follow the law and remove the disputed items. I have lost business funding totaling over {$250000.00} due to XXXX violating my consumer rights knowingly and wilfully. I will seek to be my remedy in court

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 2022-01-12 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: MD

Complaint narrative:
On XX/XX/21, I sent a letter regarding inaccurate and unknown things on my credit report til this day over 60 days later. I have not received a response yet. I think I am being ignored on my disputes. Section 611 ( a ), it states that a failure to investigate items within 30 days gives a reason to remove immediately from my credit report and it has been over 60 days so they should be deleted promptly. I demand these items be removed or will file for litigation. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person and they are currently being investigated by the FTC. I have attached the following documents : my ID, proof of address, FTC report, and original disputes.

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 2022-01-12 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: MD

Complaint narrative:
On XX/XX/21, I sent a letter regarding inaccurate and unknown things on my credit report til this day over 60 days later. I have not received a response yet. I think I am being ignored on my disputes. Section 611 ( a ), it states that a failure to investigate items within 30 days gives a reason to remove immediately from my credit report and it has been over 60 days so they should be deleted promptly. I demand these items be removed or will file for litigation. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person and they are currently being investigated by the FTC. I have attached the following documents : my ID, proof of address, FTC report, and original disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Compass Recovery Group, LLC
State: TX

Complaint narrative:
Compass group has called my grandfather and mother in law repeatedly looking for me, and leaving harassing voice mails.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
I am filing a complaint because I have a FHA loan through the remediation program with Well-Fargo. As you know the recent disaster Hurricane IDA who tour through the XXXX region. My home is located in XXXX XXXX XXXX XXXX XXXX was was severely damage by Hurricane IDA. To make a long story short. My home suffer so much damage that my insurance company maxed out my Dwelling cost. Because mortgages are also endorsed on the insurance checks if there is a long it puts the homeowners at a disadvantage due to the process of endorsement. I feel like Wellsfargo is practicing discrimination by holding funds necessary to complete my home. I believe that they are purposely doing this for this area to make the house go into foreclosure and keep the remaining funds that is need to complete my home. I have submitted receipts and contractors estimates and I am still giving the run around. I am asking FHA to look into Wellsfargo practices with homeowners who have FHA loans and still is required to make monthly payment on a home that is not livable due to Wellsfargo not releasing the remaining of the funds.

I feel like Wellsfargo is practicing discrimination by holding funds necessary to complete my home. I believe that they are purposely doing this for this area to make the house go into foreclosure and keep the remaining funds that is need to complete my home. I have submitted receipts and contractors estimates and I am still giving the run around. I am asking FHA to look into Wellsfargo practices with homeowners who have FHA loans and still is required to make monthly payment on a home that is not livable due to Wellsfargo not releasing the remaining of the funds. I feel like I am being harassed everyday when calling to plead with them to release the funds so I can finished a FHA backed loan which I am required to make monthly payments even though I have no home to stay in.

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 2022-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
On XX/XX/22 I, consumer recieved a letter from CREDIT COLLECTION SERVICES demanding {$460.00}. As a consumer I have the right to request documentary evidence to VALIDATE this alleged debt. I am requesting a debt validation under the Fair Debt Collections Practices Act pursuant to 15 USC 1692g and a cease and desist notice pursuant to 15 USC 1692c ( c ).

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: FL

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: TN

Complaint narrative:
On XX/XX/2021, I sent a letter via certified mail to Experian requesting verification of a reported bankruptcy on my credit report. Experian never responded. Here we are into a new year and they have gone pass their allotted time frame to comply.

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 2022-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I asked for a deferral and time to apply for the California Relief Program. It is so disappointing that SPS is not participating in this program. After waiting for months for this program to open it was disheartening to receive this email : Dear XXXX XXXX Thank you for your application to the California Mortgage Relief Program. We will save all of your information that you have submitted and begin reviewing your case when your mortgage servicer elects to join the program. 

Unfortunately, your mortgage servicer is not currently participating in this program. Because program guidelines dictate that funding for approved applications goes directly to the mortgage servicer, we can not process the application if the servicer is not participating. 

Although we have explored a variety of avenues to encourage all mortgage servicers to engage in the California Mortgage Relief Program, some have not yet taken action to join the program.

It might be helpful if homeowners also send a request to their mortgage servicer to participate.

Below is a sample email you can send to your mortgage servicer asking them to participate in the California Mortgage Relief Program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Acquired Assets, Ltd.
State: GA

Complaint narrative:
Allen & Associates based in XXXX XXXX XXXX XXXX, NY XXXX is a scamming fake debt collection company! They create Non existent debt and call to harass even though they have received a letter from me to stop their illegal sneaky tactics! They also will not take any letters you sent them and will refuse them back to the XXXX XXXX  so they can claim later that they never received anything from the alleged debtor! I sent them a tracked letter and a Fax and yet they still are trying to call me to harass me, even though they are not supposed to especially since I have told them not to and since this is the law! Also they are violating my right since I am on the DO NOT CALL LIST! This company is running an illegal debt collecting scam and must be stopped and prosecuted immediately!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
-again and again more overdraft fees in my account even the funds are available and deposited before XXXX XXXX  like their representatives told to do. I called Customer service to sort this problems out but they always refuse to do so. This is the second time I write this issues to consumer bureau about excessive overdraft fees with TD Bank. The funds are always available before XXXX XXXX in my account. 
There is a class action lawsuit against them but they dont want to learn from their experience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-12 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:
There are two child support cases that are being reported on my credit file. The balance amounts are incorrect I have no balance on my account there is only 1 case that I had and my child is over XXXX years old and the account is closed never paid late and satisfied in full. 
I noticed another account is being reported on my credit which Is not mine. I requested validation to be made and re-investigation there has been no effort made from the credit bureaus. There is also a repossession being reported which does not belong to me but its being reported on my file being reported as my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Our credit card was fraudulently charged. We were informed that because we said we had maintained control of the card, that the charge was real. The charge could NOT have been made without our presence. We did not charge this! 

The following is what we have done. 
XXXX Citi statement included a fraudulent charge of $ {$380.00} We immediately notified Citi of the fraud XXXX statement included the same charge plus interest of $ {$24.00} XX/XX/21 Contacted Citi customer service who said to disregard this and it is under investigation. 
XX/XX/21 Received a letter saying that the dispute was closed and we are responsible ( attached ). 
XX/XX/21 Received a letter say the Citi is investigating the dispute ( attached ). How XXXX is this and shows internal procedures of Citi. 
XX/XX/21 Elevated the issue and sent a letter to XXXX, XXXX XXXX. ( attached ) No reply. 
XX/XX/21 Sent another letter to XXXX XXXX, XXXX XXXX. To date ( attached ) no reply.

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 2022-01-12 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: LEXISNEXIS
State: FL

Complaint narrative:
My name is XXXX XXXX. I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I called Experian to tell them about some inquiries on my credit report that were fraudulent. A rep from experian told me to file an ftc report and upload online then call them back so they can remove the fraud inquiries. I did what the first rep told me and I called back and got someone different and they told me a totally different thing to do. I just want 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 explanation
Consumer complaint received 2022-01-12 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: CA

Complaint narrative:
On XX/XX/XXXX it was discovered while on Equifax that there were hard and soft inquiries on my credit profile that were fraudulent from entities only from XXXX, Georgia and New York ( XXXX XXXX ). The only account I have is from XXXX XXXX and I know that all my personal information and identity were sold or maliciously given or transferred over to third parties with criminal intent my former employer was also from Georgia ( XXXX, XXXX ). A company whom I reported on XX/XX/XXXX XXXX XXXX to and was retaliated against and since then have been paying the price and am now homeless and can't get a job and now this. XXXX XXXX along with the California Tax Board have manipulated my paystubs with only XXXX paystub having the name XXXX XXXX XXXX and all others having XXXX XXXX. Why did the California Tax Board take my refund for my XXXX tax year? Because they issued that one check with my full name that the IRS verified and they tapped into our conversation since my affiliation from XXXX XXXX XXXX was with the University XXXX XXXX the same University I am suing due to me being XXXX. Moreover, XXXX and XXXX have also neglected to report my XXXX XXXX account the Department of Education has awarded me and that is in outstanding status under my verified legal name XXXX XXXX XXXX with the IRS and Social Security Administration, etc. Neglecting to report and delete credit profiles again and again is a violation of many laws but my equal protection is ripped to pieces. I have a letter dated XX/XX/XXXX from XXXX and I have the paystubs from XXXX and some other documents but some have been stolen by people that the IRS will remember. Tax evasion was a dismissed court case I submitted so I tried to protect my Americans and myself so don't try XXXX XXXX to me in anyway shape or form ever because when someone writes their name on the ballot and they're ballot is prevented from being counted that is fraud ; for governor.

Company response to consumer: Closed with explanation