vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-07 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: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened a secured card with Regions with a {$300.00} deposit. The money was held in an account separate from the credit card. Back in XXXX the card was automatically upgraded to an unsecured card. I was notified about this change via letter. The actual change from secured to unsecured occurred in XXXX and when I called I was told that a check was mailed on the XXXX. I called again around XX/XX/XXXX and  was told that the check has 30 days to reach me and it would not be reissued until after that time. I called again on XX/XX/XXXX XXXX  I was told that they have no record of the {$300.00} that was being held. I have statement that show the account with the {$300.00} however that account is no longer available on my profile. I've spoken to a few different people and there has been conflicting information given to me. The last time I spoke with someone I was told a ticket would be opened and I would receive an email by XX/XX/2021. I haven't heard from anyone and the credit card side does not seem to know what I am talking 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 2021-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate XXXX  unverified things on my credit report XXXX  this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all XXXX  them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX XXXX  THE XXXX XXXX breach XXXX  may have gotten into the wrong hands.

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 2021-12-07 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: IL

Complaint narrative:
I reviewed my credit report about XX/XX/2021 XXXX  found a collection account from XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX  XXXX XXXX XXXX XXXX I did not recognize. I sent XXXX a letter on or about XX/XX/2021 XXXX  dispute the information asking for them XXXX  provide me physical verification including any signed contracts that these debt belongs XXXX  me XXXX that all information was correct, XXXX  date they have only sent me a generic letter stating it was verified XXXX  updated with a different dollar amount. On or about XXXX I sent another letter demanding verification XXXX  received the same response about XX/XX/2021. On XX/XX/2021 I noticed the account number changed after all the the previous letters of verifications XXXX  updates I again sent another letter asking for an explination XXXX  documentation for the accounts in question on XX/XX/2021 XXXX  1 account was updated XXXX  XXXX XXXX ( XXXX XXXX XXXX ) was deleted on or about XX/XX/2021. I reviewd my credit report again on XX/XX/2021 an noticed the XXXX collection ( XXXX XXXX XXXX ) account had been added back XXXX  my credit report without any acknowlegement from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I submitted a dispute on the Experian XXXX platform informing Experian of an inaccuracy on my credit report. Experian has failed to remove a judgment which was satisfied after multiple cemail inquiries. I have made phone calls at least every other day since XX/XX/XXXX and  have taken all possible steps to resolve the matter. The Experian phone system refused to provide me with an agent or live customer service representative despite repeated requests on the telephonic system The amount of the judgment was over 18k and it was satisfied. I provided Experian with copies of the agreement between XXXX XXXX and  the satisfaction of judgment. 

The company stated the dispute was logged since XX/XX/XXXX and assigned to an agent but no follow up correspondence. This has caused me great harm because we are trying to get an XXXX loan to begin to  recover from the effect of COVID-19 on my business. This is disgraceful.

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 2021-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am XXXX XXXX XXXX XXXX  I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to  be deleted completely from my Credit Report : XXXX XXXX XXXX Balance {$73.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Inquired on XX/XX/2021 2021

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 2021-12-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I have a Wells Fargo Home Mortgage loan that is secured by the VA, during XXXX of 2020 I applied for the XXXX XXXX protection and I managed to bring my account current. Hove even Wells Fargo is reporting to the credit bureaus that I was late in XXXX of 2020 despite applying for and being accepted into the XXXX mortgage programs. Also Wells Fargo is reporting an in accurate due balance to the credit bureau 's of $ {$190000.00} being due on the account and the correct balance due is {$190000.00}. A few years ago several states sued Wells Fargo for charging fees on accounts for being late that included fees for inspections. Wells Fargo was supposed to refund that money to customer yet they never did on receive a credit or those fees removed. So what they are doing now is attaching it to my balance due statements.

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 2021-12-07 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: Experian Information Solutions Inc.
State: ME

Complaint narrative:
XXXX XXXX  XXXX is slandering my credit reports, claiming that I owe several thousands of dollars on a student loan THAT I NEVER TOOK OUT. I had APPLIED for a student loan with this company nearly 3 years ago for a XXXX XXXX XXXX XXXX course that I WAS going to take and I was approved for said loan ; however, there were MANY red flags about the online school that I was planning to enroll in, the most concerning of which was that I discovered they did NOT have the proper XXXX accreditation that was needed. Had I not completed a course that was XXXX accredited, I would not have been able to obtain employment as a medical biller/coder. Therefore, I immediately CANCELED my enrollment in this course and NEVER TOOK IT. However, for the past 2 years, XXXX XXXX XXXX XXXX has been falsely reporting to the credit bureaus every single month that I have not paid them and they continue to tack on illegal fees to inflate the balance. 

Launch Servicing is in direct violation of the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. They have been made fully aware that I DO NOT owe this debt, yet every month, this company is repeatedly communicating incorrect and defamatory information to third parties, including, but not limited to XXXX, Experian, and XXXX. This false reporting has reduced my once excellent XXXX score of XXXX to XXXX and it continues to drop as a result of these incorrect missed payments being reported monthly. 

As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages in that I am unable to obtain new credit and I was even turned down for a job that required a credit check as a direct result of this incorrect reporting. There are MANY complaints against XXXX XXXX XXXX relating to credit reporting/collections and even a lawsuit that was filed against XXXX XXXX  this year in XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). 

I am now demanding the immediate and complete removal of this account from my credit reports. If your company XXXX XXXX XXXX XXXX XXXX ) fails to comply, you will be required to appear in a court of law and I will be allowed to seek monetary damages from your company.

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 2021-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
Account Name : TD BANK XXXX Account Number : XXXX Date Opened : XX/XX/2014 Balance : XXXX Reason : Identity theft Please remove it from my Credit Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-07 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
There are fraudulent accounts and inquiries done in my name i was mugged at a XXXX XXXX XXXX took my purse with my bill folder inside along with my driver license and social and the fraudster opened up accounts in my name and used fraud addresses in order to obtain credit in my name I have tried to  resolve the issue with the merchants but i was not successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate XXXX  unverified things on my credit report XXXX  this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all XXXX  them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the Equifax XXXX  THE XXXX data breach XXXX  may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: IL

Complaint narrative:
THE BUREAUS, INC IS NOT IN COMPLIANCE WITH THEIR CODE OF FEDERAL REGULATIONS 12 CFR 222.42, 12 CFR 1006.30 ( b ) PUT IN PLACE BY THEIR REGULATORS, THE CONSUMER FINANCIAL PROTECTION BUREAU. THEY ARE NOT ACTING IN ACCURACY AND INTEGRITY BY CONTINUING TO FURISH AND COLLECT ON A FRAUDULENT ACCOUNT. 

The Bureaus Inc states that they are a licensed collection agency in the state of Illinois by attaching a license with the name XXXX XXXX XXXX XXXX XXXX THE BUREAUS INC. When searching XXXX XXXX XXXX XXXX in the Illinois Department of Financial and Professional Regulation database The Bureaus Inc is not listed as a XXXX XXXX XXXX XXXX XXXX XXXX ( find evidence below ), surely the Illinois Department of Financial and Professional Regulation are capable of including that XXXX in their online database. 

12 CFR 222.41 ( a ) ( 3 ) states information that a furnisher provides to a consumer reporting agency must identify the appropriate consumer. I have informed The Bureaus Inc that this alleged account is a result of identity theft in accordance with 15 USC 1681c-2. The Bureaus Inc previously stated in a CFPB response If this account was opened fraudulently, the account would have charged off 180 days after the account was opened and likely the bills would not get sent to XXXX XXXX correct address. THESE BILLS WERE NOT SENT TO MY CORRECT ADDRESS. The address on all of the statements and documents in the binder The Bureaus Inc continues to attach is NOT my address, I dont know whos address that belongs too. Please find the address highlighted on XXXX of the statements The Bureaus Inc attached and my correct address is connected to my Consumer Finance account and I have also sent correspondence to The Bureaus Inc from my correct address..

12 CFR 1006.30 ( b ) ( 1 ) Official interpretation 2. Debt that resulted from identity theft quotes 15 USC 1681m ( f ) ( 1 ) and states that no person shall sell, transfer for consideration, or place for collection a debt if such person has been notified under section 605B of the FCRA that the debt has resulted from identity theft. And pursuant to 15 USC 1681m ( f ) ( 2 ) it states The prohibitions of this subsection shall apply to all persons collecting a debt. The Bureaus Inc continues to place the alleged debt in collection and it has been notified that this alleged debt is a result of identity theft. Please find my Federal Trade Commission Official Identity Theft Report attached. This account is a result of identity theft, act in integrity and accuracy and terminate all further collection efforts and stop violating federal law and the code of federal regulations your regulators put in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX AND  THE XXXX data breach and may have gotten into the wrong hands.

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 2021-12-07 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: NH

Complaint narrative:
On XX/XX/2021, I mailed 3 copies of certified mail to each of the credit bureaus. As I type this, the date is XX/XX/2021. None of the bureaus have reached back out to me. These inaccurate items on my credit report have harmed my ability to obtain credit. I am in the process of building a business that requires data only internet lines, and XXXX has charged me fees due to these inaccurate marks. I was also denied housing, and have had my credit lines closed or decreased with various companies. I have been denied a pre-approval for a vehicle, and have I used to have great credit until XXXX XXXX XXXX and XXXXXXXX XXXX XXXX  put these inaccurate, negative marks on my account. Also, these companies are reporting inaccurate late payments to XXXX XXXX. In the case of XXXX, they have my name wrong on one account, and are double reporting 2 late payments twice, so any lender who pulls from XXXX will see 4 late payments to XXXX XXXX, and I was never late, because XXXX XXXX allows for a 15 day grace period before assessing any late fees. 

In the case of XXXX XXXX XXXX, they have sent confusing and inaccurate data regarding the amount owed. Please see attached that shows what all 3 credit bureaus are reporting, and what XXXXXXXX XXXX XXXX sent me. If I were to pay the {$340.00} in the letter that they claimed that I owe, I would have overpaid what I owed, resulting in financial injury. If I paid the amount that the bureaus claim that I owe, I would have paid less than what XXXXXXXX XXXX claims that I owe. In any event, creditors and the bureaus are not allowed to report inaccurate information, and therefore, the XXXXXXXX XXXX XXXX chargeoff must be removed according to the Fair Credit Reporting Act ( FCRA ). 

In the case of XXXX XXXX XXXX, the bureaus are reporting that I allegedly owe {$6900.00} to XXXX XXXX XXXX. However, according to XXXX XXXX  XXXX, they claim that I owe {$6800.00}. As I said previously, creditors and the bureaus are not allowed to report inaccurate information, and therefore, the XXXX XXXX XXXX chargeoff must be removed according to the Fair Credit Reporting Act ( FCRA ). 

XXXX, XXXX and Transunion are reporting information that is inaccurate, and must be removed.

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 2021-12-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
My name is XXXX XXXX and I have a savings account with Barclays BankXXXX XXXX. 

The savings account that XXXX has neither offers checks nor provides any debit card for money withdrawals as it is an " only online '' savings account. This is how the product has been designed by XXXX. 

Now, considering " online transfer '' is the only way for money withdrawal, the bank has recently started troubling and harassing both me and my wife who holds savings account with the bank. 

Earlier we used to authenticate the external account by verifying through trial deposits that are initiated by XXXX account. 
Now, XXXX enforcing me to provide a bank statement. This is an issue for us as we transfer to most of the times newly opened accounts. 

When approached the bank, the bank has highlighted the reason for asking bank statement for external accounts as the security protocols. 
While I believe this is more looks like a way of holding funds for 30 days until the bank statement is generated for external bank accounts. 

I am filing this complaint against Barclays Bank for following malpractices and using the security protocols as the reason for holding the customer 's funds wherein the bank is now allowing me to transfer funds to newly added external bank accounts for 30 days ( until the bank statement generates ). 

Best Regards, 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 2021-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I submitted a dispute on the XXXX XXXX platform informing XXXX of an inaccuracy on my credit report. XXXX has failed to remove a judgment which was satisfied after multiple cemail inquiries. I have made phone calls at least every other day since XX/XX/XXXX and have taken all possible steps to resolve the matter. The XXXX phone system refused to provide me with an agent or live customer service representative despite repeated requests on the telephonic system The amount of the judgment was over XXXX and it was satisfied. I provided XXXX with copies of the agreement between XXXX XXXX and the satisfaction of judgment. 

The company stated the dispute was logged since XX/XX/XXXX and assigned to an agent but no follow up correspondence. This has caused me great harm because we are trying to get an XXXX loan to begin to recover from the effect of COVID-19 on my business. This is disgraceful.

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 2021-12-07 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: LA

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, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX {$73.00} CERTIFIED CREDIT REP Inquired on XX/XX/2021 2021

Company response to consumer: Closed with explanation