vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-13 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
National Credit Adjusters purchased a debt from the original debt holder ( acct # XXXX ) for {$2200.00}. I was sent an offer to settle the debt for {$680.00} if paid by XX/XX/21. On XX/XX/21 I paid the debt for {$680.00} and was given a confirmation number of XXXX accepting the payment plan. I then received a payment schedule confirm number of XXXX. The collection agency will not show the debt as settled on my credit report. All they have done is reduced the original debt amount by the payment and continues to show on my credit report as a collection. I would like them to honor the settle agreement they sent me and show the collection was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My complaint is against a TransUnion employee XXXX and her supervisor XXXX XXXX. I called ( XXXX ) XXXX to speak with someone regarding XXXXXXXX XXXX, and the first thing she asked me was my name, then my full social security number. I provided her my information, then she asked me if I was able to login online, I told her no I was not. She told me to ask the landlord to resend the link, I told her we did that twice. I asked her why did she ask me for my full social first when she should have asked me if I was able to login online first, she could not give me an answer. I asked for her Supervisor. 
Her supervisor XXXX XXXX came on the line speaking over me extremely RUDE and disrespectful. I asked him to let me speak, he continued to ignore me and kept talking over me, so I asked for his Manager. He said he was not able to give me the information, so I asked for the site to file a complaint against an employee. Customer Service is very much needed respect for customers and their personal 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 explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I joined Costco Whole Sale as a member in XXXX, 2021. Costco demands you sign up for Citi VISA to pat for any purchases. I did sign up for the required credit card, Citi VISA, offered by Costco. I did enter a bank account routing and account numbers to pay the charges on the credit card. I was shocked to discover that the payment was returned, there are sufficient funds to pay the bill in that bank account provided, nevertheless, I called customer service at XXXX to find out that the bank account number had a missing digit or some sort of error. I provided the Rep. of Citi VISA with the correct account number and I specifically asked him that I do not want to pay extra charges. He then told once you make the payment when you receive the email no charges will be added. I checked my account to find out extra charges of {$29.00} and running total of {$64.00}, I called customer service who refused to remove the charge. Deceiving and cheating pay customers. Citi Bank customer Service rep. stated there was nothing that can be done. I told him that his colleague stated that there will be no extra charge once I receive the email notification which i did. I also provided another checking account to avoid any more issues. I asked to speak to a manage to try to resolve the issue, I was put on hold, typical strategy so the customer hangs and gives up, no manager or supervisor came to the phone to discuss the issue. The customer service Rep. ID XXXX who told to call back on XXXX XXXX but no reasons were provided for the call back on that date. He also refused to locate or listen to the recorded conversation I had with is colleague,

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 2021-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
I was approved for an XXXX XXXX XXXX credit card on XX/XX/XXXX. On that day I made the one and only purchase in the amount of approximately {$180.00}. On XX/XX/XXXX I made a payment in the amount of {$90.00} by check # XXXX. On XX/XX/XXXX I paid the balance in full of {$130.00} by debit card payment. This amount included a late fee of {$38.00}. This was to pay my account off and I also requested to close the account. I then received a statement for an additional late fee. I spoke to XXXX in XXXX and she informed me because the payment in full was late by 3 days, I was responsible for that late fee. I informed her that I had paid the account in full and requested to close the account. The account, to this date, has not been closed out and now I am being billed {$330.00} in late fees and interest charges. I have not been able to get this issue resolved with Comenity Capitol Bank. They have also reported negatively on my credit report. I am asking for some assistance in resolving this issue. I do not feel I should be responsible for the amount they are charging me. Any assistance would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-13 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 60 days. I feel as though I'm being used and that my complaints are being ignored. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I deposit a personal check on the XX/XX/21 and the bank of america put it hold on it for 2 weeks.i need that money to pay my rent I haven't been working that much and that was my rent and loans money I haven't had unemployment because it got canceled right after I got laid of. My reason for my complain is that they are taking too long to proses a personal check that deposited thinking that I was gon na get it sooner than regular.

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 2021-09-13 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: FL

Complaint narrative:
I like to file a dispute for fraudulent items on my credit report for the following : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. I have attached a copy of the ID Theft Report with this complaint. The report number XXXX. Please review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX  is a collection company that is showing on my credit report, but it is a fraudulent account. I never entered in to a agreement with XXXX XXXX or the original creditor. My authorization or wet signature was never given by me to have a account started. This is fraudulent activity on my credit report and this account need to be removed 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 2021-09-13 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: GA

Complaint narrative:
XXXX XXXX  is a collection company that is showing on my credit report, but it is a fraudulent account. I never entered in to a agreement with XXXX XXXX or the original creditor. My authorization or wet signature was never given by me to have a account started. This is fraudulent activity on my credit report and this account need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After checking my 2 credit reports with XXXX XXXX XXXX, I noticed that XXXX XXXX is incorrectly reporting on my account. Per the FCRA & FDCPA all of the information must report accurately & fairly. They told me that they cant do a goodwill adjustment but I need to get proof of payment history so when I get ready to go to an attorney so Ill have the information to present to the small claims court.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After checking my 2 credit reports with Equifax XXXX XXXX, I noticed that XXXX XXXX is incorrectly reporting on my account. Per the FCRA & FDCPA all of the information must report accurately & fairly. They told me that they cant do a goodwill adjustment but I need to get proof of payment history so when I get ready to go to an attorney so Ill have the information to present to the small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After checking my 2 credit reports with XXXX XXXX Experian, I noticed that XXXX XXXX is incorrectly reporting on my account. Per the FCRA & FDCPA all of the information must report accurately & fairly. They told me that they cant do a goodwill adjustment but I need to get proof of payment history so when I get ready to go to an attorney so Ill have the information to present to the small claims court.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the list of inquiry that is still reporting on my Credit Reports : XXXX-Date of XXXX  XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Went online to lift a security freeze. Online said I my social security and date of birth don't align. I called customer service and went into a automated response loop which could not resolve the problem. Finally got someone to answer my call by going through another department. Although the computer doesn't recognize my account I'm told I have a PIN number which I obviously don't have because they don't recognize my account. When I asked for verification through security questions they told me they don't have any security questions for my account. 

I have been on the phone with my 6th agent after numerous transfers by people who said they could not address my issue. One disconnection and no way to call the person I was speaking with back. All in all over an hour and a half and still nothing is resolved. 

This whole thing seems to be a cluster on their end and I am trying to get a loan and have been told there is a freeze on my information. Beyond frustrating with no one being able to address my problem. Don't really know where to go with resolving this situation.

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 2021-09-13 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
For years. I have been asking for the permissible permission used to access my credit report in XX/XX/2017 by Experian for XXXX XXXX XXXX XXXX / XXXX  XXXX. I have yet to receive.

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 2021-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I originally applied for a government school loan in XXXX, this loan since XXXX has been transferred to a private lender Sallie may to Navient. Even though this loan was back by the government I have no relief with the cares act. I can defer but still have to pay for interest, this is not fair and disgusting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: CCS Financial Services, Inc.
State: PA

Complaint narrative:
These accounts are erroneous. I do not recall said accounts and have made steps to try and get this issue repaired by all reporters. I have a right to fair credit reporting and to dispute anything that is incorrect.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
This debt I owe was a XXXX  of identity theft and they need to take it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings
State: TN

Complaint narrative:
I have had a debt collection on my credit report that has been removed multiple times but they continue to report again as a collection. I have not received any reinsertion letter stating this ever and this is a violation of my rights. I want this to be removed from my report permanently as they are using unlawful practices for personal gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Macy's/XXXX  Account opened XX/XX/2021 as a result of fraudulent activity.

Balance is currently {$540.00}.

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 2021-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I do have Equifax Complete Family Plan. I am trying to add my children to Equifax Child Monitoring. I tried to add them via online, I got message that " We need some more information Youre taking steps to help better protect your family members. Because a credit file for already exists ( which may be the result of credit activity such as an active credit card or car loan ), we'll need some documentation to verify guardianship and add your child to your account. 

Please call our customer care team at XXXX ( XXXX ) and get started today. " I called around XX/XX/XXXX, I was told fax to Equifax ( Copy of DOB, Copy of SSN and My Driver License. 
I faxed them XX/XX/2021, I called 3 week later, i was told they can not find FAX, send it again. 
I faxed them on XX/XX/2021. 
i called week later, I talked to agent and confirmed they received Fax, and i was told, they will process and call back later 5 business day. I called again XX/XX/2021 approx XXXX I was talking to XXXX , He was unable to add them to Child monitoring system, He submitted Ticket. I got Case # and was told 7 to10 bussiness days. I called XX/XX/2021, Talked to XXXX and same problem, they can not add them then i asked for Supervisor, His name is XXXX, He was telling me He will email to Techanical Team about this issue. He gave New Case #. i was told wait again 7 to10 business days. 
I was trying to add my children to child monitoring via Equifax website. I was getting same message. I called XX/XX/XXXXapprox XXXX, I was talking to XXXX, he also can not add my children to child monitoring. I ask for Supervisor. Supervisor name is XXXX. 
After 1hour and 30Mins, I got new case #. 

I am really tired with this type of service. I am paying for Equifax complete family plan. still I can't use.

Company response to consumer: Closed with explanation