vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-20 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: NM

Complaint narrative:
Time and time again, I have sent written complaints to Experian only to receive a " we didn't get information about " what '' you're complaining about. 

I have several items on my account that are far past the statute of limitations for California AND New Mexico. 

1. XXXX XXXX XXXXXXXX Mortgage account. Statute is four ( 4 ) years. This account ended in XXXX. Experian refuses to remove. 

2. XXXX XXXX XXXX loan. Statute is four ( 4 ) years. This account ended in XXXX. Experian refuses to remove. 

3. XXXX XXXX credit card. Statue is four ( 4 ) years. This account ended in XXXX. XXXX XXXX demanded payment to remove account. Instead, Experian and XXXX XXXX colluded to reset date and refuse to remove. 

Experian will most likely respond by saying I have not provided information, yet I have records of letters sent from XXXX to present, with signatures of receipt. 

Experian routinely drops my score by over 20 points every time I pay my accounts off monthly. They now list me as " fair '' when all other reporting agencies show me as " very good ''. They rarely inch my score up by XXXX or XXXX points while routinely dropping my score by double digits, followed by a " join our Boost Program '' email, which is a false method of raising your credit score. 

Experian MUST resolve these discrepancies on my account immediately by removing these statute passing accounts and stop colluding with XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 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: NV

Complaint narrative:
Over the last several months, I have reached out to Experian to address many inaccuracies they're reporting to my credit file. Although, I've included hard proof of inaccuracy and incompleteness to this file, they've " verified '' one account countless times. I have shown this very account as fraudulent, I've shown the inconsistencies and lack of permissible purpose as they're missing information, have invalid information and are simply not mine without proof provided. This account remains on my consumer report. 

I have sent various correspondence and I've sent this certified mail with return receipts requested. My requests have not been met, I have not been provided any documentation of closed and thorough investigation for maximum accuracy either. This has been happening since XX/XX/XXXX up until currently. The account in question has added illegal interest to this erroneous account as early as XX/XX/XXXX and Experian continuously allows them to report this false 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 2022-02-20 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I booked a trip and paid in XXXX of 2021. The same day I booked the trip I noticed that the terms of the hotel were incorrect. The ad stated that it would be " Breathless Adult Only '' resort or similar. The hotel was not similar. The same day I called the company that I booked the trip to cancel. They would not cancel. I then contacted the credit card company ( citi ) to dispute the charge. They told me 90 days to dispute, I sent them the info they requested. I did not go on the trip. I called and emailed several times to get the dispute resolved. I was hung up on several times and told I need to speak to different departments. The dispute was closed and then reopened. I was told it would be handled and it would not be a problem. Now they are charging late fees and affecting my credit and it still shows the dispute is open.

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 2022-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GLA Collection Company, Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX and GLA have failed to bill medicare or send me any billing statements in a timely manner. XXXX XXXX XXXX failed to bill medicare at all and refused to remove bill from collections. I have recieved no written or otherwise notifactions from GLA. There is no contact information for GLA. The only reason I am aware of this issue is because it appeared on my credit report. Which I have disputed and XXXX has failed to remove it. As a senior on a fixed income I expect medicare to be billed and the medical care system to work the way it was intended and not bleed people dry on medical bills they arent even aware of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 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: MS

Complaint narrative:
I WAS TAKEN ADVANTAGE OF DUE TO MALPRACTICE WHILE SEVERAL LAWS WERE BEING BROKEN BY YOUR COMPANY UNDER THE XXXX, THIS HAS CAUSE ME FINANCIAL INJURY AND THIS IS DEFAMATION OF CHARACHTER. I HAVE BEEN DENIED JOBS BECAUSE OF WHATS ON MY CREDIT REPORT. I HAVE BEEN UNABLE TO LEVERAGE MY ASSETS DURING THE PANDEMIC BECAUSE OF WHATS ON MY CREDIT REPORT. I HAVE BEEN DENIED AN XXXX LOAN BECAUSE OF THE NEGATIVE, UNDULY AND ERRONEOUS 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 2022-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have disputed several unknown inquiries with Transunion and XXXX on several occasions as they have not complied with my requests. I've also contacted their fraud department and made a complaint with negative results. I further believe my identity may have been compromised as I do not recognize these companies. I want these inquiries deleted immediately. Lastly Transunion and XXXX failed to forward me the results of their investigation as required by the FCRA. I am extremely disappointed in their failure to comply with the law. There are several inquiries that I do not recognize. Please see the following unauthorized inquiries : Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc.
State: NY

Complaint narrative:
Hello, I have submitted multiple disputes to XXXX, made multiple calls to United Collection Bureau, as well as tried to resolve this issue directly with XXXX XXXX XXXX to no avail. This issue has been resolved with XXXX and XXXX with XXXX refusing to make the appropriate changes. 

XXXX XXXX XXXX improperly reported me to United Collection Bureau without seeking to collect payment from me directly. Upon calling XXXX XXXX XXXX, they have no record of ever sending a bill via mail or email. They only have a date in which they created a statement. 

After numerous calls with XXXX XXXX XXXX, they refuse to investigate the situation citing that this case has already been turned over to United Collection Bureau. They refuse to produce any record that they ever attempted to bill me for my services and simply state the this has been turned over already and is out of their hands. 

United Collection Bureau insists that XXXX XXXX XXXX has the burden of remedying this situation and that they are only the reporter. 

In talking to XXXX and filing multiple disputes, this bureau continues to somehow find that the improper reporting of the delinquency is valid despite XXXX XXXX XXXX having no records to support. 

That said, United Collection Bureau should be removed from my report. The account is closed, paid, and was improperly created as the result of fraudulent practices by XXXX XXXX XXXX. 

Thank you, XXXX XXXX ( XXXX XXXX Service Date : XX/XX/2020 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 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: NY

Complaint narrative:
The items I disputed I have no prior knowledge of I do not know how they are on my report or how are they are being verified this is very frustrating and I have disputed these items on my report thirty days and have not received no verifying documents which I have requested

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 2022-02-20 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: NY

Complaint narrative:
The items I disputed I have no prior knowledge of I do not know how they are on my report or how are they are being verified this is very frustrating and I have disputed these items on my report thirty days and have not received no verifying documents which I have requested

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 2022-02-20 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: NY

Complaint narrative:
The items I disputed I have no prior knowledge of I do not know how they are on my report or how are they are being verified this is very frustrating and I have disputed these items on my report thirty days and have not received no verifying documents which I have requested

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had Capital One credit cards for the past XXXX years always paying on time was very on top of my credit and had very good relationship with the company I had by mistakenly made a wrong payment which turned back last month and the next thing I know is that they closed all my XXXX personal accounts including a new opened business account without any explanation or warning before I tried to solve it with the company but when I call them I was hanging on the phone one time even more than an hour they had mixed information they gave me my wife 's name on my personal account couldn't match my account to my card numbers seems like they do just throw me out from the system for no reason very scared to say that this is a decision based on race because I'm XXXX and I told them in my phone call that I'm XXXX and try to be honest, i was send from one department to another some of them were even screaming at me or not acting nice dhy didn't give me a chance to reconsider this situation I'm very unhappy and feeling all this is very unfair if we have business together and they don't share with me anything, please make sure that they didn't go over any red line that's not allowed and my rights as a customer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 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: FL

Complaint narrative:
I have disputed several unknown inquiries with XXXX and Experian on several occasions as they have not complied with my requests. I've also contacted their fraud department and made a complaint with negative results. I further believe my identity may have been compromised as I do not recognize these companies. I want these inquiries deleted immediately. Lastly XXXX and Experian failed to forward me the results of their investigation as required by the FCRA. I am extremely disappointed in their failure to comply with the law. There are several inquiries that I do not recognize. Please see the following unauthorized inquiries : XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX AUTO FINANCE ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX CAR CREDIT ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX CARD SERVICES ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Retailer ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Retailer ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX Experian XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX AMERICAN CREDIT ACCEPT Auto Financing Companies Inquiry date XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX non specific Inquiry date : XXXX XXXX XXXXXX/XX/XXXX XXXX Personal Loan Companies Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Companies - non specific Inquiry date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXXE Complete Department Stores Inquiry date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date XXXX XX/XX/XXXX 2022

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 2022-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Capital Accounts, LLC
State: KS

Complaint narrative:
Capital Accounts call and portray to be a law firm and have matters in their office for me. they have also called two family members and left voicemail about a a debt for my self. I have dispute this item on several occasions with the credit bureau, I have sent written letters to have this taken off my credit asking to provide validation of this debt there are trying to collect but will not provide mw with the information. They harass me regarding an account that they will not provide me information on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I have an existing complaint with the CFPB concerning this bank. Evidently because I had filed a complaint, the bank has now stopped my use of using the card, and will not fix the problem. Surely this type of vengeance can not be legal in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: GA

Complaint narrative:
Chime has suddenly restricted my access to my bank account and ask me to send personal documents for verification. I am ok with verifying myself but the only way to verify is to send my personal ids through emails which is a very insecure channel. I still have money in the account and they don't offer fax or any other more secure way of sending documents. I totally regret doing business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: NY

Complaint narrative:
I have disputed these items on my credit report multiple times I have not received any verifying documentation from the XXXX credit bureaus and I have not been able to get in contact to discuss my disputes this matter have been completely frustrating and unwarranted please look into this matter 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 2022-02-21 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: MS

Complaint narrative:
I WAS TAKEN ADVANTAGE OF DUE TO MALPRACTICE WHILE SEVERAL LAWS WERE BEING BROKEN BY YOUR COMPANY UNDER THE F.C.R.A, THIS HAS CAUSE ME FINANCIAL INJURY AND THIS IS DEFAMATION OF CHARACHTER. I HAVE BEEN DENIED JOBS BECAUSE OF WHATS ON MY CREDIT REPORT. I HAVE BEEN UNABLE TO LEVERAGE MY ASSETS DURING THE PANDEMIC BECAUSE OF WHATS ON MY CREDIT REPORT. I HAVE BEEN DENIED AN S.B.A. LOAN BECAUSE OF THE NEGATIVE, UNDULY AND ERRONEOUS ITEMS ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: MS

Complaint narrative:
I WAS TAKEN ADVANTAGE OF DUE TO MALPRACTICE WHILE SEVERAL LAWS WERE BEING BROKEN BY YOUR COMPANY UNDER THE F.C.R.A, THIS HAS CAUSE ME FINANCIAL INJURY AND THIS IS DEFAMATION OF CHARACHTER. I HAVE BEEN DENIED JOBS BECAUSE OF WHATS ON MY CREDIT REPORT. I HAVE BEEN UNABLE TO LEVERAGE MY ASSETS DURING THE PANDEMIC BECAUSE OF WHATS ON MY CREDIT REPORT. I HAVE BEEN DENIED AN S.B.A. LOAN BECAUSE OF THE NEGATIVE, UNDULY AND ERRONEOUS 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 2022-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have disputed these items on my credit report multiple times I have not received any verifying documentation from the three credit bureaus and I have not been able to get in contact to discuss my disputes this matter have been completely frustrating and unwarranted please look into this matter 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 2022-02-21 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: NY

Complaint narrative:
I have disputed these items on my credit report multiple times I have not received any verifying documentation from the three credit bureaus and I have not been able to get in contact to discuss my disputes this matter have been completely frustrating and unwarranted please look into this matter immediately

Company response to consumer: Closed with explanation