vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-25 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: MD

Complaint narrative:
The lists of inaccurate information about items are still reported on my credit report. I already sent a letter to TransUnion Credit Bureau to investigate the erroneous accounts on my report. I believe that I always paid on time and this bureau is reporting inaccurately. I am seeking help to verify and block the erroneous accounts on my credit file. Below are the lists of the erroneous items reporting on my Credit Report : Late Close : XXXX XXXX Balance : {XXXX} ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX XXXX XXXX XXXX  XXXX Balance : {XXXX} ; XXXX ; XXXX XXXX XXXX Balance : {XXXX} ; XXXX Inqiries : XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-25 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: MD

Complaint narrative:
Disputing the inaccuracies of all XXXX bureaus regarding the multiple charge-off on my credit report. However, they are in violation according to 15 USC 1681i ( A ) ( 1.A ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
According to FCRA inaccurate bankruptcy information reported incorrect. Please see attachment

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 2022-03-25 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: MD

Complaint narrative:
The lists of inaccurate information about items are still reported on my credit report. I already sent a letter to XXXX Credit Bureau to investigate the erroneous accounts on my report. I believe that I always paid on time and this bureau is reporting inaccurately. I am seeking help to verify and block the erroneous accounts on my credit file. Below are the lists of the erroneous items reporting on my Credit Report : Late Close : XXXX XXXX Balance : {XXXX} ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {XXXX} ; XXXX ; XXXX XXXX XXXX Balance : {XXXX} ; XXXX Collection : XXXX XXXX XXXX XXXX XXXX Balance : {XXXX} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {XXXX} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {XXXX} Inquiries : XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Good day, I am contacting you in regards to a complaint you've been assisting me with, the details : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021. 
I would like to ask for your assistance because the complaint I submitted was never resolved. On XXXX, 2021, Synchrony bank responded to the concerns ( raised by cfpb ), and stated : " Based upon you notifying Synchrony Bank that you did not authorize this credit application ; an electronic request has been sent to the major credit bureaus to have this inquiry deleted. Please note, the credit bureaus may require up to 60 days to complete this action. '' Unfortunately, the inquiry has never been deleted and my credit report and score are affected by Synchrony Bank 's misleading actions.

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 2022-03-25 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now XXXX XXXXXXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX  XXXX  now.

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 2022-03-25 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Winklevoss Exchange LLC
State: HI

Complaint narrative:
I am another victim of the theft of crypto assets from an XXXX  account maintained on Geminis crypto exchange. A substantive complaint has already been filed regarding the theft under Complaint No. XXXX. I hereby join in this Complaint and incorporate the arguments asserted in it, as they apply equally to my loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have my primary checking account with Suntrust ( now Truist ) set up as the payment method for multiple bills. When the banks merged, customers were assured that routing numbers would not change, but they have. So far, direct deposits from my and my husband 's employers have been deposited without issue and most automatic drafts have been successful. However, on XXXX XXXX, I attempted to make a manual payment on our XXXX 's account using the same checking account and a few days later, Truist rejected the payment, citing " invalid account. '' I did not realize this until XXXX 's started contacting me regarding debt collection over a late payment. I am not able to reach anyone at Truist on the phone to inquire about why my account is rejected by this XXXX institution because the phone wait times are still hours long. Like millions of other customers, I have experienced nothing but frustration since the merger was complete and plan to move my accounts elsewhere, but in the meantime, I need my current bank account to work and customer service to help me.

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 2022-03-25 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: MS

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, I mailed Equifax about a medical debt reporting to my consumer report. Equifax have failed to show on my consumer report that this alleged debt has been disputed. Equifax has also failed to provide me with the Name of the Creditor to whom is reporting this false information. I have asked Equifax to PLEASE PROVIDE THE CREDITOR NAME TO WHOM YOU ALLEGEDLY SAID I OWE. I WILL NEED YOU TO PROVIDE TO WHOM YOU TALKED TO, THE TIME AND DATE, AND PLEASE PROVIDE ME A COPY OF A RELEASE FORM GIVING EQUIFAX PERMISSION TO REPORT MEDICAL INFOMATION TO MY CONSUMER REPORT. Equifax is violating the HIPAA Laws and my right to privacy.This is a violation of my right pursuant to15 U.S. Code 1681i. This has cause a great hardship and stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
I received an income execution for a vacated court order, on a balance that was previously satisfied with the same collection agency XXXX years ago. 

I want this collection agency held accountable for violating my rights. As this company has attempted to collect a debt that they knowingly knew was not outstanding. 

It is documented on the letter head from the same exact collection agency XX/XX/XXXX. In the letter it is noted that the debt was satisfied and there would be no further collection action. 

XXXX years later this same collection agency initiated collection action by using their relationship with the XXXX XXXX XXXX XXXX to obtain an income execution on a judgement that was vacated. 

This situation has caused me undo XXXX XXXX, and XXXX  ; XXXX XXXX, and most importantly fraudulently. 

This collection agency tried to become a creditor on my bankruptcy that was filed in XXXX and they had to be told again, that the balance was satisfied. 

This collection agency has been and continue to be unscrupulous in its collection process and I am tired of fighting their never ending collection efforts. 

This has becoming a collections nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: MD

Complaint narrative:
The lists of inaccurate information about items are still reported on my credit report. I already sent a letter to Equifax Credit Bureau to investigate the erroneous accounts on my report. I believe that I always paid on time and this bureau is reporting inaccurately. I am seeking help to verify and block the erroneous accounts on my credit file. Below are the lists of the erroneous items reporting on my Credit Report : Late Close : XXXX XXXX Balance : {XXXX} ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX XXXX XXXX XXXX  XXXX Balance : {XXXX} ; XXXX ; XXXX XXXX XXXX Balance : {XXXX} ; XXXX Inquiries : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
There are three accounts on my XXXX, Equifax, and XXXX report that needs to be removed because they are aged past the 7 years it is supposed to be reporting on my credit report and they are all reporting inaccurately. Please remove. 

XXXX - XXXX **** USDOE/XXXX - XXXX US DEPT OF EDU - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/22 my business checking account was debited for {$2100.00} from XXXX XXXX ACH. It was on XX/XX/22 when my bank statement was produced and I reconciled my account to find this issue. We do not use XXXX in any capacity and this ACH debit was in error. Wells Fargo told me because I did not report it within two days, I'm out of luck with them. I'm in the middle of trying to get XXXX to help me but it's impossible as I am not in their system. 
I would like legislation to extend the 2 day dispute period to a minimum of 30 days for businesses. This is a crime and while I can handle {$2000.00}, what if it was {$20000.00} or {$200000.00}? Our businesses need protection.

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 2022-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX # XXXX SPS XXXX XXXX XXXX XXXX XXXX UTAH XXXX ( XXXX ) XXXX I HAVE PAID MY TRIAL DUES VERY TIMELY STILL, THE BANK REFUSING TO REMOVE FALSE FEES OFF MY ACCOUNT STATEMENT DATED XX/XX/2022 UNDER ACCT. INFORMATION {$45.00} UNPAID LATE CHARGES, {$120.00} OTHER CHARGES AND FEES. {$1.00} ESCROW TAXES AND INSURANCE {$0.00} CENTS, ESCROW TAXES TO DATE {$16.00}, PARTIAL PAYMENT FEE {$6.00} DESPITE NEVER HAVING ESCROW DUES ON MY ACCOUNTFROM DAY 1 AND I PAID MY FLOOD INSURANCE DUES VERY TIMELY NEVER LATE. I JUST NEED A CHANCE AS A XXXX XXXX VETERAN TO SAVE MY PROPERTY EVEN THOUGH I WAS BADLY FINANCIALLY IMPACTED BY COVID19 DISASTER THE COMPANY OVER YEARS REFUSE TO DELETE BUILT IN ILLEGAL FEES MY ACCOUNT SEVERAL YEARS NOW.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.

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 2022-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I was in the last month of my least and gave them notice within the 60 days required that I was moving. I have a video of my apartment on my last day showing the cleaning was completed. In the video it will show the condition of the apartment it needed the carpet cleaned and a few blinds replaced ( all normal wear and tear when you live in a home ) and a handle that came off but was left on the counter. I did not attempt to get my deposit so that it could be used to clean the carpets and replace the blinds plus put the handle back on. Other then that there was no damages and EVERYTHING was clean and ready for the next tenet. I have asked for proof from them of any damages or receipts from any services they preformed multiple times and a itemized account of charges and have not received nothing to support their claim. I do not know how they are saying I owe them {$4500.00} to me they are commenting fraud and trying to scam me out of money I do not owe. I will be happy to provide the video so that you can see for your self. I moved out on XX/XX/2019 my least was up on XX/XX/2019. This is a scam and fraud I have disputed this for over a year and gave them the opportunity to correct their mistake and they have not so now I need your help please. The video is to large to upload is there another way to get it to you?

Company response to consumer: Closed with explanation