vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have an outstanding balance on a car loan with XXXX XXXX, according to my Equifax credit report. Sadly, I was involved in a car accident, the car was a total loss, and the debt was fully paid/settled. As a result of the inaccurate information Equifax reported, I am unable to replace the automobile. Which makes matter worse especially for anyone trying to purchase a vehicle during these times ( shortages, dealer price gouging, increased rates, etc. ) XXXX has also validated this information and stated that no error was made on their end, and that all credit reporting agencies have been informed that the loan was paid in full. 

My credit report has been updated by XXXX and XXXX with this information as of XX/XX/2022. Equifax has not provided any recent information for some reason. I've tried to contact XXXX, but so far without success. XXXX, who I spoke with when I called Equifax today ( XXXX ), informed me that their information is accurate. 

As stated above, this loan has been fully paid. This auto loan has been completely repaid, and the account has been closed, according to the XXXX and XXXX report from XX/XX/XXXX. When I called XXXX XXXX XXXX XXXX XXXX XXXX, I was informed that the loan had been fully repaid and that all credit reporting agencies had been notified. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: GA

Complaint narrative:
I have contacted Transunion and the companies below repeatedly and have asked for them to remove the following inquiries I did not authorize my credit to be pulled or applied for anything with the following companies 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 2023-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In Accordance with the Fair Credit Reporting and XXXX Bankruptcy court account number # XXXX, and XXXX XXXX XXXX as XXXX account number XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have a right to privacy 15 U.S.C 1681 section 604 A section 2 states a consumer reporting agency can not furish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person.

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 2023-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Caine & wiener telephone number XXXX, just got off the phone with XXXX XXXX he is the manager in that company, he treated me very disgusting and rude making inappropriate XXXX gestures and comments on the phone trying to be rude and hurt me. I pay the bill in full last week I have screenshots they promised me on a recorded phone line that they would give me 25+ points they only gave me XXXX points and then he was very angry that I called back in to complain I told him thats fraudulent transaction they did not keep their end of the bargain You can even hear me on the recorded phone line saying that the lady said shes gon na give us 25 + points on the phone if we paid her same day which I did immediately I kept my end of the deal. she did not one time stop me and say no thats not true or try to correct me. she told me that if I paid every penny in full she would give me 25+ points and expedited to the XXXX and XXXX with the company did expedite it but they only gave me XXXX points which is fraudulent that was not part of the deal, when I try to speak to the manager he is very rude makes inappropriate comments and was screaming at me on the phone would not help me at all would not even allow me to speak, please help me this is hurting my credit score I did everything they told me to do and they broke the rules theyre not following through on their end Please listen to the recorded phone line XXXX XXXX is fraudulent the manager hes trying to take avantage of me I kept my end of the deal please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
To whom it XXXX concern, I have been a Cardmember of Costco Citi Bank XXXX ending in XXXX since XXXX. Throughout the XXXX years that I have been using this card I have always made ALL of my payments on time. 
On XX/XX/XXXX, of XXXX I received an update coming from the bank that exclaimed that my credit limit had been lowered due to my XXXX XXXX not being high enough. 
Due to this action taken by Citi Bank my overall XXXX XXXX was negatively affected ; Therefore, having been a loyal client by abiding to our contract during the XXXX years, I find this measure to be unfair by having negative repercussions on my XXXX XXXX, and affecting my overall status with every bank that I am a client of. 

Thank you, 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 2023-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: MA

Complaint narrative:
Ive been using an app called Remitly. Remitly suspended my account and refused to give me any explanation. There only response was that they determine there was suspicious activity. Remitly has blocked me from seeing any of my transactions and will not identify why they suspended my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In Accordance with the Fair Credit Reporting and XXXX XXXX XXXX account number # XXXX, and XXXX XXXX XXXX XXXX XXXX  account number XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have a right to privacy 15 U.S.C 1681 section 604 A section 2 states a consumer reporting agency can not furish a account without my written instructions

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 2023-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In Accordance with the Fair Credit Reporting and XXXXXXXX XXXX XXXXt account number # XXXX, and XXXX XXXX XXXX XXXX XXXX  account number XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have a right to privacy 15 U.S.C 1681 section 604 A section 2 states a consumer reporting agency can not furish a account without my written instructions

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 2023-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I have been with Capital One before they took over XXXX XXXX XXXX. I have had my Capital One credit card since the XXXX when I came out of college. I have had my financial ups and downs with the credit card. Past practice, XXXX XXXX has always notified me by way of telephone or email of any delinquencies. For some reason since XXXX, they ceased to communicate with me about my account. Due to XXXX, and other medical issues, I could not make payment. I attempted to bring my account current this month to be told, It is past the 21 day period. I do not know what that is. I have not received any communication from Capital One to state any problems with the account. My account was placed i a restricted status and made unavailable for use without notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/23 It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Failure to comply with the deletion demand if you are unable to provide XXXX XXXX COMPLIANT DOCUMENTATION AND EVIDENCE will be met with complaint to the CFPB, the FTC and the Attorney General of the State of YOUR STATE. Additionally, if you fail to comply with my deletion demand I am prepared to and will sue your company for the maximum civil, criminal and punitive damages available by law.

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 2023-01-17 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: DISCOVER BANK
State: MD

Complaint narrative:
On or about XXXX XXXX, 2022, I was told by a Discover Card customer service agent that there was suspected fraudulent activity on my account. This agent had mentioned at least two account transfers involving my card. I insisted that I knew nothing about any such transactions and after much more conversation about this, wed agreed that the card seems to have been breached and we shut it down. After weeks had passed without ever receiving the replacement card and new account number, Id called Discover to let them know I hadnt gotten it yet, and then also about what all had happened that caused the need for the replacement, only to then be told that they dont see anything unusual on my account, and that they cant send me another card because I was in an interest reduction period for six months when it was closed and so I dont qualify for a replacement card! I then explained to this agent and every other agent after that that I did nothing to lose that account. I explained that Ive had this account for coming up on 20 years soon and Ive never missed a payment- EVER! In fact, Ive never missed a payment on anything, at least XXXX accounts across the board during this time and that by closing my account, youre affecting my credit adversely and unfairly! If the Discover agent was lying to be devilish or malicious, then that should be addressed. If he did it because he wasnt trained properly to distinguish between in house transactions and fraud, then that should be addressed as well. Either way, I did nothing to damage my credit in this way, and I dont want my account closed. What I do want, while were on the matter, is a look at my interest rate. My minimum payments have more than doubled and Id like to look at options to make my payments more manageable until I pay the entire balance off soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: DC

Complaint narrative:
Goodmorning, My name is XXXX XXXX. About XXXX weeks ago a collections was put on my credit by XXXX collections. 
I called their collections number @ XXXX. They told me it was a lab performed on XXXX, in which I was insured by XXXX XXXX XXXX  XXXX Ive live in XXXX XXXX XXXX XXXX. XX/XX/XXXX I lived at XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. XXXX says I used XXXX XXXX XXXX ( which they tried billing ) which is fraudulent, Ive also received no mail of the collection of monies for this lab. ) I dont have MD Insurance nor do I live in MD. I called all my doctors and they have no records of this lab being preformed or sending it to be performed for or with me. I also have a XXXX profile and it has no record of said lab. I told them this but their still acting in a fraudulent manner.I asked for the requesting/performing doctor the first time I called and it was given to me ( but I forgot the name ) the third time I called on XX/XX/XXXX @ XXXX the lady XXXX would not give me the performing doctors name so I may contact them. Ive screen recorded my XXXX records and it has no record of said lab as well XXXX said it was XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which Ive never been before I use XXXX XXXX XXXX  of XXXX XXXX or XXXX XXXX via XXXX XXXX I dont use any healthcare facilities outside of XXXX XXXX XXXX I also call yesterday and the billing person hung up on me because I believe they couldnt find the report because it is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
To whom this may concern, During the month of XXXX I registered for an experian credit report account, this lead to me noticing to accounts which I did not provide Information to my knowledge. 

After much research I found the original source of the account and contact them for more information, which I did not receive. 

Next, I contacted XXXX to dispute the accounts and they advised I contact the FTC and report the accounts as fraud. 

below are the accounts/dates/amount Date opened XX/XX/XXXX XXXX {$710.00} XXXX XXXX account. {$710.00} past due as of XX/XX/XXXX. 



Date opened XX/XX/XXXX XXXX {$1200.00} XXXX XXXX account. {$1200.00} past due as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
Paypal account associated with a closed business is unable to be closed. They retain bank and credit card details and will not remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: MS

Complaint narrative:
XXXX XXXX. 2022 Is where the problem came. I got the flu and was off for a week and feel behind and haven't caught up yet.i was seeking for help before the foreclosure come about

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 2023-01-17 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: VA

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 2023-01-17 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: VA

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 2023-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
all 3 credit bureaus are reporting a charged off XXXX account ... ..i have challenged the 100 % accurate reporting of this account as required by law with all 3 credit bureaus as well as XXXX and each time they say that they verified the information being reported is 100 % accurate... i have challenged this about 10 times ... im looking at the inaccurate information on my credit report and i am going to point it out below and will attach a copy for your review... ..these companies are violating my consumer rights .. date of last payment XXXX XX/XX/XXXX experian- XX/XX/XXXX XXXX XX/XX/XXXX date of last payment XXXX XXXXXX/XX/XXXX experian- XX/XX/XXXX XXXX XX/XX/XXXX -- -- -on the 2 year history they are also reporting XX/XX/XXXX high credit XXXX- {$2000.00} experianXXXX {$0.00} XXXX {$0.00} comments XXXX Charged off as bad debt Dispute resolved ; customer disagrees experian- Purchased by a another lender. Unpaid balance reported as a loss by credit grantor. XXXXCONSUMER STATEMENTXXXX XXXX ITEM DISPUTED BY CONSUMER XXXX- Consumer disputes after resolution Account transferred or sold

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 2023-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person.

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 2023-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CO

Complaint narrative:
On XX/XX/XXXX, A fraudulent check was written to XXXX & XXXX XXXX Trucking in the amount of $ XXXX bank debited my account for this amount. I logged into my account on XX/XX/XXXX and saw the funds were gone. I immediately contacted my bank and reported the problem. A fraud case was opened. US bank case # XXXX. The fraud department informed me the investigation could take up to two months and there was no guarantee the funds would be restored. I contacted the XXXX 's XXXX and files a complaint. XXXX XXXX was assigned to the case and he informed me most of these cases are not solved. I am reaching out to the CFPB for help. This was almost all of my savings and have had to get a loan to pay my bills.

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