vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-15 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:
On XX/XX/XXXX I received my the first copy of my credit report I found many errors starting with my personal information leading to account information that were never corrected with the following Credit Bureaus Equifax, XXXX, and XXXX. On that day I wrote a letter to all 3 Credit Bureaus stating that my personal information was incorrect on my credit report, they did not correct that information. I then wrote a letter on XX/XX/XXXX stating and describing all 19 items that are reported on my credit report are being reported inaccurately and needed to be corrected or deleted. They have failed to correct that information. I then wrote a letter on XX/XX/XXXX stating the same information again and they have failed to correct it. Im reaching out to your company to help me get through to the Credit Bureaus that I have been done and injustice and they are wrongfully reporting inaccurate information on my behalf that is causing me great stress and financial hardship by not being corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXX / XXXX P.A attorneys at law XXXX XXXX XXXX XXXX XXXX XXXX mn XXXX Also, Midland credit management Court ordered judgment XXXX XXXX Mentioned on this day I was exempt due to being on ma and food stamps, judge said to worry about it after court. 

Received notice the were going to garnish wages in mid XXXX, with a basic exemption form releasing said agency to say if I was on assistance and only request my case number. Did not ask for any proof. Sent XX/XX/XXXX certified mail, still have receipt. Found out I had to send a copy to my employer. XX/XX/XXXX sent copy to XXXX charities via email. Said they were on it. Next day email back saying its not good enough proof. As they garnished that current paycheck on XX/XX/XXXX. In the amount of XXXX. I had worked XXXX hours overtime or so hoping to pay my XXXX utility bill for heat and electric. I called XXXX and asked if the had received my exemption. He stated the did and transfered me to XXXX XXXX XXXX. Talked and he hung up on me after asking about my money back, called back straight to voice-mail. Waited XXXX min called him back he answers. I ask again why I'm being garnished he explains tbe state has not replied yet and I did not send proof. I asked what proof he needed and why proof was not asked for originally I would have sent anything needed. Proof of ma or food stamps. I submitted current proof from the mn game service XXXX stating how much assistance I received via email to XXXX called the next day asking if he received it and he said yes he would fax my employer to stop garnishment. I did not have fax number at time. I called my employer got number called him right back straight to voice-mail, I left a voice message with info and fax number XXXX XXXX I believe. Called employer said the didn't receive anything XX/XX/XXXX. Called XXXX again XXXX straight to voice-mail left another fax message. They also stated I need to write a letter to get my money back and I probably won't get it all they said.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-15 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: NJ

Complaint narrative:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the XXXX XXXX compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: AZ

Complaint narrative:
The accounts are still reporting inaccurate on my report which needs an immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. Below are the accounts that are still reporting on my report : Late Close : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX Late Open : XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$2200.00} XXXX  XXXX Balance : {$890.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$4900.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$2700.00} Date Opened : XX/XX/XXXX Charge-Off : XXXX XXXX Balance : {$10000.00} Date Opened : 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 2022-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX PA, XXXX BANK OF AMERICA XXXX XXXX Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Dear Sir or Madam : I have new information provided to Bank of America including new police reports and actual culprit who stole my bank card and used it fraudulently and without my permission. Police Report : DC # XXXX DC # XXXX This is my first dispute. 
I am writing to dispute a debit in the amount of {$7300.00} on my account. The open claim ID number regarding this dispute is : XXXX. 

This particular gas station where these charges occurred is a gas station that I have used before because its close to my home. I recall several times I attempted to use my debit card at the pump and the charge didnt process. I recall this happening on several occasions and I instead used another credit card to pay for my gas. 

However, since XX/XX/XXXX thru XX/XX/XXXX I have noticed that there have been charges that I didnt authorize, have no knowledge of and didnt perform on my account. I have informed the representative when I opened my claim about my concerns about a skimming device being in place at this gas station. I also informed the representative that have had several instances where I was prompted to reset my password on the mobile app as well as alerts being sent to my spam folder about charges on my account. 

After reviewing of my account statements in detail and depth I am disputing the following charges to my account : XX/XX/XXXX - {$200.00} ; {$110.00} XX/XX/XXXX - {$260.00} XX/XX/XXXX {$90.00} XX/XX/XXXX - {$86.00} ; {$140.00} XX/XX/XXXX - {$260.00} XX/XX/XXXX - {$280.00} ; {$200.00} XX/XX/XXXX - {$170.00} ; {$180.00} ; {$200.00} XX/XX/XXXX - {$300.00} XX/XX/XXXX - {$250.00} ; {$120.00} XX/XX/XXXX - {$180.00} XX/XX/XXXX - {$220.00} XX/XX/XXXX - {$110.00} ; {$140.00} ; {$98.00} ; {$220.00} XX/XX/XXXX - {$170.00} XX/XX/XXXX - {$130.00} XX/XX/XXXX - {$100.00} ; {$250.00} ; {$70.00} ; {$100.00} ; {$220.00} XX/XX/XXXX - {$120.00} ; {$240.00} ; {$100.00} ; {$100.00} XX/XX/XXXX - {$110.00} XX/XX/XXXX - {$130.00} XX/XX/XXXX - {$100.00} XX/XX/XXXX - {$250.00} ; {$160.00} ; {$190.00} ; {$160.00} ; {$100.00} XX/XX/XXXX - {$140.00} XX/XX/XXXX - {$87.00} ; {$90.00} XX/XX/XXXX - {$150.00} XX/XX/XXXX - {$96.00} ; {$52.00} ; {$84.00} ; {$69.00} ; XXXX ; {$20.00} ; {$72.00} I am requesting that the fraudulent charges be corrected and refunded to my account as well as any any finance charges related to the disputed amount be credited to my account, and that I get an accurate statement. 
The following is my police report number : DC # XXXX, supporting my efforts to help resolve and take appropriate legal actions regarding the unauthorized use, and charges presented on my account for the above listed charges.

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 2022-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Capital one 360 charged me for a XXXX concert that never happened on XX/XX/2021. CAPITAL ONE REFUSED TO REFUND MY MONEY. For a concert that was cancelled last year in 2021. Then charged me a overdraft fee

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: NY

Complaint narrative:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

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 2022-02-15 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: NY

Complaint narrative:
Inquiries : XXXX on XX/XX/XXXX - XXXX XXXX, A XXXX on XX/XX/XXXX - What happened : customer service would not help and take care of the negative inquiries reporting to your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: OH

Complaint narrative:
on XX/XX/2021 car was criminally damaged, a unknown person or individual intentionally caused damage to my vehicle. damage outside and inside the vehicle, white unknown substance was poured in the engine, radiator and gas tank, which caused damage to the engine, engine, is fully blown, I requested XXXX XXXXXXXX XXXX XXXX to come and pick up the vehicle, vehicle is still sitting. and incorrect information is reporting incorrectly on my credit report, i have full coverage with XXXX and XXXX refuses to pay, so I had no choice but to request vehicle be picked up... .we have made many calls to impound and nothing is being done at all, they should be putting a hold on this issue until we get this all squared away...

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 2022-02-15 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: OH

Complaint narrative:
on XX/XX/2021 car was criminally damaged, a unknown person or individual intentionally caused damage to my vehicle. damage outside and inside the vehicle, white unknown substance was poured in the engine, radiator and gas tank, which caused damage to the engine, engine, is fully blown, I requested XXXX XXXX XXXX XXXX to come and pick up the vehicle, vehicle is still sitting. and incorrect information is reporting incorrectly on my credit report, i have full coverage with XXXX and XXXX refuses to pay, so I had no choice but to request vehicle be picked up... .we have made many calls to impound and nothing is being done at all, they should be putting a hold on this issue until we get this all squared away...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: IL

Complaint narrative:
On XX/XX/XXXX I called the following credit reporting agencies XXXX, Equifax and XXXX to request that unauthorized inquiries be removed from my credit report. 

The customer service representatives were not helpful. I want these inquiries deleted from my credit report. 

A. XXXX XXXX XXXX, XX/XX/XXXX BXXXX XXXX XXXX XXXXk XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, RI XXXX ( XXXX ) XXXX XXXX XXXX XXXXT, XXXX XXXX : XXXX. XXXX, XXXX AND XX/XX/XXXX 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: IL

Complaint narrative:
On XX/XX/XXXX I called the following credit reporting agencies Experian, XXXX and XXXX to request that unauthorized inquiries be removed from my credit report. 

The customer service representatives were not helpful. I want these inquiries deleted from my credit report. 

A. XXXX XXXX XXXX, XX/XX/XXXX B. XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX AXXXX XXXX XXXXXXXX XXXX XXXX XXXX, RI XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX AND XX/XX/XXXX 2021

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 2022-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MS

Complaint narrative:
We are closing on our house XX/XX/2022 and the insurance department at Freedom Mortgage paid someone else insurance premium out of my escrow account in the amount of {$3800.00}. I called on XX/XX/2022 and spoke with XXXX XXXX in the insurance department who helped me identify it was indeed someone else 's policy paid out of my escrow account. She was going to refund the money into my escrow account. Days went by and nothing was done.I would call and email daily for updates. Now we are less than 48 hours before closing and they will not refund my money to me. I have spent a total of XXXX days with XXXX hours out of those days on the phone with Freedom Mortgage XXXX department, customer care, and escalations. Nothing has been done! This is the worst experience I have even encountered. employees are lying to us, hanging up on us, and even cursing at us. They will refuse to let me speak with a supervisor and hang up on me. I am out THOUSANDS of dollars for the escrow mistake PLUS the expenses we are incurred while being under contract to sell and buy our new house. If this is not handled and situated in time for the closing to still take place on XX/XX/2022 we will be suing Freedom Mortgage and XXXX XXXX for the time and money we have spent trying to fix a mistake that was not ours.

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 2022-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I feel I have been a victim of Several Data Breaches resulting in possible Identity Theft. The latest being Equifax XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: C/C Financial
State: KY

Complaint narrative:
I am writing Preferred Lease as I now have a better understanding of my rights and violations of FCRA and FCDPA. I had contacted preferred lease in XX/XX/2020 about declared disaster and loss of work. I was told I would have to speak with a manager. Missed the managers call and called back the number left on voicemail which didnt work. Im not sure if it was a personal number. Eventually I got a hold of the manager who was rude and threatened that Preferred Lease would ruin my credit. They also would not work with me as I had one last payment before dismissed from work. I sent in all the information to the email the manager provided with no response or correspondence. Even at this point I have not received any correspondence from Preferred Leasing. I did NOT receive any mail about the bill due either and that it would be hitting collections. I have received no contact from the company and have been ignored. 

Please delete the account from all three credit bureaus as this was during a declared disaster, the manager threatened that Preferred Lease would damage my credit ( listen to your recorded lines ), and I have not received verification of debt. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: LA

Complaint narrative:
I called Experian this morning and talked to someone in the Fraud Department that obviously knows NOTHING about federal law. I informed them that I am well aware of my rights and that Experian had 4 days to block the information that I identified as Identity Theft. I was told that was not true. I submitted a CFPB complaint XX/XX/22 and was told that the following accounts were no longer listed on my consumer report HOWEVER that is a lie and they are still listed. I was told that the companies have certified to them that they were accurate. However, nobody can tell my story better than me and if I have stated I did not open the accounts and there is no evidence to prove otherwise the information needs to be removed and blocked from reporting. 
I am a litigious consumer and I have been dealing with this deformation of character so long that it has begun to affect me moving and putting my family in a different position in life. I have been denied two loans within the last week because it appears I have more debt than is actually valid. I WILL SUE FOR THESE DAMAGES. I have all the proof that your company has been violating the law and I am willing to go to court since the fees will end up being paid by your company. This is your finally opportunity to cure. 
Acct # XXXX {$8300.00} Acct # XXXX {$39000.00} Acct # XXXX {$5600.00} Acct # XXXX {$3500.00} Acct # XXXX {$6300.00}

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 2022-02-15 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: UT

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 2022-02-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My payment every time is {$650.00}, ,half for the payment account and the other for late fee, ,and that happens for the first day in 2017, ,I dont know but is no look good,,

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 2022-02-15 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: NJ

Complaint narrative:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the XXXX XXXX compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

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