vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-13 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I applied for an XXXX XXXX Credit card. My intention was merely to improve my credit score score. XXXX XXXX required that the initial contract was that pay monies that would be in escrow and returned back to me after a certain length of time. As time progressed, it got close to me collect my XXXX or more ( escrow ) along XXXX  Sent mailed me a check for {$160.00}. THEY STATED THAT MY ACCOUNT WAS SATISFACTORY PAID. XXXX XXXX SOLD MY INFORMATION TO ANOTHER BANK UNDER THE SAME NAME. I BEGIN TO SEE ON MY CREDIT REPORT WITH ANOTHER XXXX ACCOUNT I HAVE NO KNOWLEDGE ABOUT NOR DID I SIGN A CONTRACT WITH THIS BANK. I DISPUTED ON XXXX NUMEROUS OF TIMES. XXXX REFUSE TO REMOVE THIS DEROGATORY CHARGE. 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 2022-11-13 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I applied for an XXXX XXXX Credit card. My intention was merely to improve my credit score score. XXXX XXXX required that the initial contract was that pay monies that would be in escrow and returned back to me after a certain length of time. As time progressed, it got close to me collect my XXXX or more ( escrow ) along XXXX  Sent mailed me a check for {$160.00}. THEY STATED THAT MY ACCOUNT WAS SATISFACTORY PAID. XXXX XXXX SOLD MY INFORMATION TO ANOTHER BANK UNDER THE SAME NAME. I BEGIN TO SEE ON MY CREDIT REPORT WITH ANOTHER XXXX ACCOUNT I HAVE NO KNOWLEDGE ABOUT NOR DID I SIGN A CONTRACT WITH THIS BANK. I DISPUTED ON XXXX NUMEROUS OF TIMES. XXXX REFUSE TO REMOVE THIS DEROGATORY CHARGE. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I applied for an XXXX XXXX Credit card. My intention was merely to improve my credit score score. XXXX XXXX required that the initial contract was that pay monies that would be in escrow and returned back to me after a certain length of time. As time progressed, it got close to me collect my XXXX or more ( escrow ) along XXXX Sent mailed me a check for {$160.00}. THEY STATED THAT MY ACCOUNT WAS SATISFACTORY PAID. XXXX XXXX SOLD MY INFORMATION TO ANOTHER BANK UNDER THE SAME NAME. I BEGIN TO SEE ON MY CREDIT REPORT WITH ANOTHER XXXX ACCOUNT I HAVE NO KNOWLEDGE ABOUT NOR DID I SIGN A CONTRACT WITH THIS BANK. I DISPUTED ON EXPERIAN NUMEROUS OF TIMES. EXPERIAN REFUSE TO REMOVE THIS DEROGATORY CHARGE. 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 2022-11-13 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: Accscient, LLC
State: NC

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Untimely response
Consumer complaint received 2022-11-13 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:
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 2022-11-13 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: TX

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2022-11-13 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: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2022-11-13 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: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Collectors Corp.
State: WI

Complaint narrative:
On XX/XX/XXXX I pulled my credit report and notice a new collection from 2017 that i was not aware of. I spoke with the collection service PROFESSIONAL COLLECT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX and was informed that they no longer have the file and that it was sent out to another collection service 2 years ago, and I would have to get in touch with them in order to discuss the issue. I asked him why did they report this to XXXX and XXXX? I informed him that it was illegal to report a file they no longer control or have in their possession. He just told me that there was some kind of merger and I had to get in touch with the other company and discuss it with them. I asked for something in writing to verify the fact that this collection was no longer being serviced by them and they refused to give me the documentation. If they do not have the file, then they can not report it. This just hit my credit report and the collection service does not control the file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am including excerpts from the response for a previous complaint. 
" We are committed to making sure all customers are treated fairly. That is why we take appropriate measures to make sure that our representatives comply with all laws and regulations. The actions taken on your application were based on valid reasons and in accordance with our policies and procedures. '' You say you have taken appropriate measures. I filed the opt out in XXXX and still into XXXX and XXXX I received solicitations. I had to file additional opt outs and spend additional money to stop the solicitations. American Express could not have taken actions based on valid reasons because the application itself was invalid and was obtained under false pretenses. In violation of the creditor solicitation laws. It's not in accordance with lawful policies and procedures if you obtained the application under false pretenses. I am not at all satisfied with the response. I believe that this is boilerplate response and doesn't go into detail on the exact remedies and new policies and procedures that will go into place to make sure this doesn't happen to other innocent consumers. 


" " We have addressed your claims about your account in our prior responses to the CFPB, the most recent on XX/XX/XXXX, CFPB XXXX. You have been opted out of receiving marketing and it may take up to 12 weeks for mailed offers to stop. In our response to the CFPB dated XX/XX/XXXX CFPB XXXX, we explained that all American Express XXXX XXXX XXXX XXXX were previously reviewed and denied. We also advised that the application for the XXXX XXXX XXXX was denied and the decision remained the same. We have not received any additional applications for either Card from you. In addition, '' These applications should not have been obtained. The consumer opted out of these solicitations in XXXX. This explanation does not explain the lawful purpose you had to solicit and obtain the application, it does not address how American Express will create new policies to guarantee more consumers are not injured by failure of American Express to comply with opt out and FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 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: CA

Complaint narrative:
Investigation took more than 30 days and nothing was changed when clearly there are misleading, incorrect, inaccurate items on my credit report..i have those two accounts attached showing those inaccuracies... I need them to follow the law because this is a violation of my rights!! The EVIDENCE IS IN BLACK AND WHITE ....

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 2022-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FCI Lender Services Inc.
State: MD

Complaint narrative:
The Company FCI Lender Services Inc. From XX/XX/XXXX has been predatory lending on this Loan that was transferred to there company at he time to begin servicing the loan when in fact the property is PAID IN FULL upon XXXX XXXX XXXX XXXX on XX/XX/XXXX from A Life Insurance Policy information submitted by XXXX XXXX XXXX on two separate dates XX/XX/XXXX and XX/XX/XXXX and by XXXX Mortgage XXXX and FCI Lender Services Inc . Both Companies negligence is a result of an outstanding and ongoing XXXX Mortgage in the amount of {$420000.00} with court cost and added fees. Ive reached out to both companies and neither will accept or return my calls or emails.

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 2022-11-13 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: GA

Complaint narrative:
On or before XX/XX/2022 I disputed XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) .I the dispute was Marked verified. I reportly asked for evidence to support reporting verified but failed to provide any proof.

I have as ask them to give me the process, names of verification. The bureaus have not came with anything at all. Which is the FCRA 611 ( a ) ( 7 ) violation. 
Violations Fcract 807-8,15USC 1681n,1681i,1681s-2,1681i ( a ) ,611,616,617,623 ; 602 ( A ) ; 604Asec2

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 2022-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: MN

Complaint narrative:
In XXXXXXXX XXXX XXXX, a rental management company called XXXX XXXX sold a rental debt accrued under COVD-19 federal and state protections. This makes the debt multiple ways illegal. I've tried several times to have the debt removed by contacting the company through credit bureaus. They have not removed the debt, which has now accrued interest to beE $ XXXX and is preventing me from securing housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 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: CA

Complaint narrative:
Investigation took more than 30 days and nothing was changed to my credit report ... attached is my credit report of that XXXX account proving that there are misleading incorrect inaccurate items on my credit report .... clearly violating my rights!! THE EVIDENCE IS IN BLACK AND WHITE... STOP VIOLATING MY RIGHTS!! ONLY A XXXX PERSON DONT SEE THIS INACCURACIES ;!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 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: CA

Complaint narrative:
Investigation took more than 30 days and nothing was changed when clearly there are misleading, incorrect, inaccurate items on my credit report..i have those two accounts attached showing those inaccuracies... I need them to follow the law because this is a violation of my rights!! The EVIDENCE IS IN BLACK AND WHITE ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Investigation took more than 30 days and nothing was changed when clearly there are misleading, incorrect, inaccurate items on my credit report..i have those two accounts attached showing those inaccuracies... I need them to follow the law because this is a violation of my rights!! The EVIDENCE IS IN BLACK AND WHITE ....

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 2022-11-13 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: CA

Complaint narrative:
Investigation took more than 30 days and when it came back nothing was changed when clearly there are misleading, incorrect, inaccurate information on my credit report ... attached is my credit report from XXXXXXXX XXXX that clearly violates my rights!!! THE EVIDENCE IS IN BLACK AND WHITE... NOONE CAN DENY THE EVIDENCE XXXX XXXX XXXX  XXXXXXXX!!

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 2022-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Tri-State Adjustments, Inc.
State: FL

Complaint narrative:
I was contacted by XXXX XXXX XXXX XXXX XXXX XXXX and was told I owed {$180.00} for medical supplies they claimed they sent a year earlier ( XX/XX/XXXX ) I rsponded right away as I thought this was some sort of scam because a bill was sent a year later. The first call I made I was put on hold and then hung up on so I called back. I was then placed on hold for XXXX minutes ( I timed it ) and when the billing represenitive came back I asked where I am calling. I was told the XXXX. I was then told they would look into problem and would contact me if any issue were to arise.Never heard back from that person. I found a number to contact XXXX XXXX and spoke with a person named XXXX and then a female named XXXX who were in XXXX XXXX. After telling XXXX I never received anything from XXXX I was advised that supplies were sent and I again advised I never received. About a week later I got a call from someone in XXXX XXXX claiming I was responsible for payment and I said I will not pay for something I do not have. After trying numerous times trying to resolve this issue I gave up. I then was threatened with a letter saying to pay or they would either have me deal with a lawyer or collections agency, I decided to file a complaint with the XXXX. The XXXX forwarded my complaint to them and they never responded back. As of today XX/XX/XXXX I now have received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wisconsin XXXX ( a collection agency stating I owe this money to XXXX XXXX and again I stress I have NOTHING from them and dont understand why a year later they are contacting me for this. Any help would be greatky appreciated and thank you in advance!

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 2022-11-13 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: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
To whom it may concern. 
My name is XXXX XXXX. I have an ongoing investigation/case on my account that I know was closed to avoid yearly fee of {$99.00}. 
XXXX XXXXbeginning of XXXX- I have called customer service line, spoke to representative and closed my account, told her I did not need the card and asked to waive the XXXX fee. She confirmed the account closure was successful and fee waived. Afterwards I have destroyed my card, my login information and everything else related to my account. I always keep my finances in order and I have explained to representative that I did not need another card with yearly fee. 
As stated, I removed all information I have regarding login and password on file and destroyed my card then. I have not been able to login to my card and have only last 5 digits of the card XXXX since then. When I call they locate my card by SSN and last 5 digits of the card. 
However, on XX/XX/, I have received a statement from AMEX. I've called and spoke to representative that I had already closed my account. Her name was XXXX. She informed me that I my account was still active!!! 
I've informed her that I did indeed close and she on her end made sure that time I do close my account. Also during the conversation I had asked to start investigation as to why my account was not closed. She assured me that they will send request to higher level and investigate. 
XX/XX/ - I receive the statement again for XXXX yearly fee. I call again, representative makes note on my account and tells me investigation is still in process and might take until XXXX. Makes note on my account. 

Afterwards I receive NO update and nobody attempts to contact me regarding investigation. 

XXXX XXXX  - I contact AMERICAN EXPRESS. The representative said investigation was closed and I still owed XXXX because " random '' phone conversations were checked and they could not locate my request to close my account back in summer. He said he would make a note and ask someone to contact me. 

I have created a complaint through XXXX  case number XXXX. I am seeking assistance as to I have no communication from AMEX and they would not waive the yearly fee because they say my account was not closed in time for a yearly fee waiver. I oppose and believe the representative intentionally did not close my account and falsely told me they did. 
I am very disappointed in the service and also having not received any updates, calls, emails regarding my case and the results. 

Again, I have no access to my card, login information and have no idea why the card wasn't closed on my first contact. 

Regards XXXX XXXX, Card ending in XXXX ( all I know )

Company response to consumer: Closed with monetary relief