vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Account Closed paid off by XXXX. XXXX XXXX XXXX XXXX Account XXXX Account Type : Loan Total Amount Due : {$560.00} Due Date : XX/XX/2021 Your payoff quote history is provided below. Payoff Quote History Date Good Through Quote Type Amount XX/XX/2021 XX/XX/2021 Online Payoff {$13000.00}

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 2022-02-17 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: IL

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: MI

Complaint narrative:
I sent letter to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ITEM COMPLETELY FROM MY CREDIT REPORT : XXXX  Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XXXX XXXX, XXXX, I submitted a certified written dispute. The reason for my dispute was for 30 days late reporting on my credit file. I firmly believe this is inaccurate information reporting or a system error. I was never late or ever missed a payment on this account. I haven't received a response on this issue ; I have asked 30 days late to remove it from my credit file. I'm challenging this issue through the CFPB to correct this issue and conduct a reasonable investigation. If you refuse to fix this inaccurate information or remove the data from my credit file, you will be inviolate by the Fair Credit Reporting Act. I will open up a sue in Federal Court ; I will open up a complaint with the XXXX. I have supporting documentation to support my sue and complaint. I have a payment transaction date on XXXX XXXX. I made a double payment ; I paid for XX/XX/XXXX and XX/XX/XXXX. I was never late. Account Number : XXXX XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: IL

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES 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 2022-02-17 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: IL

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES 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 non-monetary relief
Consumer complaint received 2022-02-17 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I sent letter to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. That means Experian has NOT complied with the Fair Credit 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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$510.00} XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/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 2022-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Me and my girlfriend have a joint account her tax return was deposited and as soon as it was deposited the bank siezed XXXX from the account that was not my money it was hers from her tax return and the said it was to pay off my debt on accounts that had nothing to do with her. I called to talk to the bank today they said if I called to file a payment arrangement when it closed then this wouldnt happen but when I called when they closed my accounts originally they said I couldnt do payment arrangements I had to pay it in full so I didnt cause I didnt have it at the time. When I talked to them today they didnt care if it was my money her money or some stranger that I was listed on there account they would of taken the money regardless and thats not right for them to take her money or anyone elses just cause I have access to the account

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 monetary relief
Consumer complaint received 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Experian, XXXX, and XXXX refuse to give me my credit report after illegally using my information, Im demanding my reports from all three agencies so I can access the damage done to my credit profile!

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 2022-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX, XXXX, and Transunion refuse to give me my credit report after illegally using my information, Im demanding my reports from all three agencies so I can access the damage done to my credit profile!

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 2022-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I did a balance transfer of XXXX from my XXXX XXXX XXXX  credit card to my Citi double cash credit card on XX/XX/2022. That amount was transferred to my Citi card but still reflects on my XXXX XXXXXXXX card. I have been in contact with both companies back and forth for XXXX weeks. Ultimately, the transfer was taken off a XXXX  XXXX bank card that does not belong to me. The last XXXX digits of that card are not even remotely close to mine. Citi card says its not their fault because XXXX XXXX XXXX cashed the balance transfer to them. XXXX XXXX XXXX card says its citys fault because they gave the wrong card number. I filed a dispute/investigation with citi. The only paper response I have received from them is that a dispute is open. By phone, they still advise it is XXXX XXXX XXXX fault. I filed a dispute with XXXX XXXX XXXX to which I have received no further communication. I have no idea which company needs to fix the problem but a month and half later this XXXX is still reflecting on both cards.

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 2022-02-17 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: GA

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2022-02-17 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: ACIMA CREDIT, LLC
State: MO

Complaint narrative:
This is XXXX XXXX XXXX The ACIMA CREDIT FKA SIMPL account with the account number XXXX was marked as Charge-off with an identified balance of {$2200.00}. However, a charge-off account should have a {$0.00} balance so, my question is why does this account have a specific amount? Moreover, another error is found in the account 's " Date of Last Activity ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
XXXX on XX/XX/17 Harassing robo calls that when I answer they delay quite a bit before continuing but began by saying this is a recorded line.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Unauthorized use of hard credit pull. Specifically instructed not to have hard inquiry.

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 2022-02-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CURO Intermediate Holdings
State: IL

Complaint narrative:
Fraudulent account opened in my name Using my old address info Creditor Information- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , KS XXXX Phone XXXX Original Creditor Name SPEEDY CASH Balance {$830.00} Opened XXXX XXXX, 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: MS

Complaint narrative:
I've continuously been sending letters to XXXX XXXX XXXX on XXXX the XXXX, XX/XX/XXXX, XX/XX/XXXX Same for Transunion, XXXX and 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 2022-02-17 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: AL

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES 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 non-monetary relief
Consumer complaint received 2022-02-17 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: PA

Complaint narrative:
hi I'm just making a follow-up on the dispute letter that I sent on XX/XX/2021. its been over 2 months, I thought I would get a response from your company after 30 to 45 days but it seems like you didn't take it seriously. Please reinvestigate the information listed on that letter and remove the negative items, I was also informed that if I don't get a response from you w/in that period, the listed information on the letters must be deleted. I will await for your response.

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 2022-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXXXXXX credit card Spoke with them last year to cancel both cards I have other them. Their representative badgered me into keeping the cards open and promised to lower the interest rate, raise my credit limit, and waive the annual fees. None of this happened. I ceased to use the card but they unbeknownst to me slapped the annual fee on the card and then started charging me late fees when I didnt pay a bill I didnt know I had, and shouldnt have had. My credit score has now been seriously compromised. 

I have been unable to make direct contact with them, it appears any numbers only direct you to automated systems and it is impossible to speak to an actual person. 

I have attached screenshots that show their chatbot just sits on the typing screen and you can not enter any information, and there is no direct customer service number you can call.

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 2022-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Grant & Weber
State: CA

Complaint narrative:
To Whom it May Concern, The repeated telephone calls are not from Grant & Weber Inc. to me, they are from me to Grant & Weber. I have tried MULTIPLE times to call and nobody ever picks up the phone. I have left MULTIPLE voicemails and a call has yet to be returned. These calls have taken place almost daily for XXXX weeks. 

I do not recognize the collection that they are reporting and need more information, but it is impossible to contact them. I feel that they are in violation of the Fair Debt Collection Practices Act by not allowing communication.

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 2022-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Express Collections, Inc.
State: MO

Complaint narrative:
I don't owe anything to EXPRESS COLL ( Original Creditor : XXXX SMART SALES LEASE ) with account number XXXX. They should have confirmed this from the Original Creditor since I have made my payment to them. Thus this account is duplicated and it is displaying on my account multiple times. Please investigate this account thoroughly and make the necessary correction or just remove the account automatically.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
We refinanced our home, and the first mortgage payment was due on XX/XX/XXXX. Our escrow documents and loan officer gave us the company to which the payment was to be made : XXXX XXXX XXXX ( XXXX ). On XX/XX/XXXX, XXXX XXXX XXXX transferred the servicing to a new company : Amerihome Mortgage ( Amerihome ). 

The loan balance at the time of the refinance was {$690000.00}. After the first payment, the principal balance decreased to {$680000.00}. Amerihome showed no evidence of the first payment made on XX/XX/XXXX to XXXX, so I made an additional payment on XX/XX/XXXX so that our mortgage wouldn't appear to be late. Each month since then, I have continued to make our mortgage payment because Amerihome has not yet reflected the original payment. 

I have contacted both companies, and XXXX provided an accounting showing that the balance that was transferred to Amerihome reflects the original payment. Despite multiple calls, faxes, and letters to Amerihome, there has been no credit to our account for the original payment made on XX/XX/XXXX. 

I sent a fax to Amerihome 's research department but I do not know the date of this fax. I sent a letter on XX/XX/XXXX, to both Amerihome and XXXX. XXXX followed up with a letter explaining the accounting and sent me the documents via email. I sent a follow up letter to Amerihome on XX/XX/XXXX, with all of the documentation from XXXX as well. I have not received any written responses from Amerihome for my inquiries. When I call Amerihome, they assure me that the matter will be resolved, and it never has been resolved.

Company response to consumer: Closed with explanation