vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-16 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: TN

Complaint narrative:
EXPERIAN IS COMMITTING FRAUD AND NOT FOLLOWING THE LAW. I MAILED SIX REGULAR MAIL LETTERS AND THREE CERTIFIED LETTERS ABOUT THE BELOW LISTED FALSE ACCOUNTS AND THEY HAVE REFUSED TO PROVIDE THE ROOF REQUIRED UNDER THE LAW IN THE 15 DAY TIME PERIOD THREE TIMES. 

THESE ACCOUTNS ARE FRAUDULENT AND THEY REFUSE TO DELETE OR TO PROVIDE PROOF : XXXX, XXXX AND XXXX ALLEGED BANKRUPTCIES XXXX, XXXX XXXX AND XXXX AND XXXX XXXX ACCOUNTS. 

THESE MUST BE DELETED FOR FAILURE TO PROVIDE VERIFICATION OR PROOF AS REQUIRED UNDER THE 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 2020-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc.
State: DE

Complaint narrative:
Debt collection from toll violations. That was not made by me nor do I owe these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: GA

Complaint narrative:
I have submitted to Experian an FTC report dated XX/XX/2020 along with ID, utility bill, and letter from the creditor ( s ) confirming liability on fraudulent account ( s ) has been withdrawn. 

Experian representatives state that due to " internal policy '', they will not re-dispute or block fraudulent information that was previously verified. This Experian policy is a violation of FCRA since the creditors have confirmed removal of the account ( s )

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 2020-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: FL

Complaint narrative:
We had been having safety and security issues at the apartment complex we were renting from XXXX XXXX XXXX  in XXXX XXXX XXXX, Florida XXXX for over nine months. We contacted management but no attempt was made to fix dangerous construction debris, inaccessible services such as walk ways and trash disposal, and overcrowded apartments nearby that had loud parties and were dealing drugs late into the night. People would walk directly into the apartment across from us without a key or knocking. In the morning there would be beer, liquor and food trash in front of the apartment on the stairs and in the corridor. We filed complaints with the Florida Attorney General. We received receipts that our complaints were received but no other information or action. 
The complex/company raises the rental rates every time you renew your lease. We had been looking for another rental, once found we requested the form to end the lease. We filled it out and returned it to XXXX XXXX, the current Manager. She confirmed receipt and our move out date. There was a waiting list for the one bedroom we were currently renting. We turned all of our keys in which she confirmed via email. She said there was no balance due and nothing else was needed. We received no calls, correspondence or emails from her after we had ended our lease. Over two years later when making a financial transaction I learned that I had a derogatory account on my credit from XXXX XXXX XXXX, and I.Q. Data International, Inc. of XXXX. I was charged XXXX for " breaking the lease '' and they continue to add monthly processing charges to this debt. I was informed by XXXX that there was no fees if the form was filled out. She was very helpful and never said there would be any fees or charges. I do not know who determined that these fees would be charged to me. I believe if you audit the leases for this company with properties throughout the United States that you will find excessive charges and fees to tenants living there and to the majority of those ending their leases. At the minimum, there should be a class action lawsuit against this company. In addition, I don't understand how their billing, leasing and property management can be in compliance with the Fair Housing Act. Please advise and assist. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: TX

Complaint narrative:
Equifax is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: CA

Complaint narrative:
I have been going back and forth with Equifax for over 2 months now. I have mailed them my Police Report, my FTC Identity Theft Report and my identifying documents as they requested. I have called and submitted disputes on. XX/XX/20, XX/XX/20 and today XX/XX/20. I was finally able to get some results on XX/XX/20 they deleted 3 of the fraudulent inquiries from my credit report but there are still 8 fraudulent inquiries currently being reported. This is a violation of the Fair Credit Reporting Act Sections 605B, 615 ( F ), 623 ( A ) ( 6 ). I want these inquiries removed immediately this has been completely frustrating dealing with this credit bureau and this has stopped me from getting approved for a mortgage and stopping me and my family from purchasing our home which is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: CA

Complaint narrative:
I lost my wallet, causing me to have unauthorized charge on my XXXX  XXXX credit card. I had try dispute the account XXXX XXXX, Bal : {$3700.00} XXXX with XXXX, XXXX, and Transunion. They had taken this account off my credit report, but now it's back on my credit report without notifying me, I had disputed again and provide them proof that it was unauthorized use of the card.

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 2020-11-16 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: CA

Complaint narrative:
I lost my wallet, causing me to have unauthorized charge on my XXXX  XXXX credit card. I had try dispute the account XXXX XXXX, Bal : {$3700.00} XXXX with XXXX, Equifax, and XXXX. They had taken this account off my credit report, but now it's back on my credit report without notifying me, I had disputed again and provide them proof that it was unauthorized use of the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have a credit card with XXXX XXXX. I have had excellent payment history on my account, until the national lockdown in XXXX, 2020. The world suffered from this pandemic and during this time everything non-essential was closed. We contacted XXXX XXXX immediately without the ability to contact a rep. We continued timely payments even though our NJ XXXX  is only at XXXX XXXX XXXX ( which equals XXXX seats ). I believe that reporting a late payment, while the world was shut down and experiencing uncertainty to the future, is completely unfair. 
As we continued with perfect payments, we are trying to purchase a home since our lease is expired and our landlord wants us out so she can sell her rental. Unfortunately, this negative reporting onthis account lowers my score unfairly. This derogatory reporting will affect our ability to secure a good mortgage or a fair interest rate. 
Please help a XXXX XXXX XXXX  survive these uncertain times and help us enjoy our hard work & perseverance as a survivor and not a victim. Thank you!

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 2020-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV FINXACT CORE
State: TX

Complaint narrative:
My identity was stolen and someone charged 24 rides on XXXX. XXXX sold the account to TRS Collections after I had notified them of the fraudulent charges. I have since contacted TRS by phone and sent them the FTC idenity theft report. They are still trying to collect the charges totaling over {$450.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Complaint for {$2.00} minimum interest rate charge. 

I try to keep a XXXX  balance on my Macys credit card. 
I had a zero balance. 
XX/XX/20 charged {$68.00}. 
XX/XX/20 I went to pay my balance but it said it was {$70.00}. 
XX/XX/20 I paid the {$70.00} for fear that if I didnt, it may cause me issues. 
XX/XX/20 I called and spoke with Macys. 
The representative said he would speak with someone about reversing it and put me on hold. He came back a few times and said he was completing it. Seemed like he didnt want to answer what it was for other than to tell me that it was a minimum interest charge. He was very quick each time to keep me on hold. 
He came back and said the reversal was complete. When I asked if I was to expect it to happen again and why was I being charged this, he disconnected the call. 

I shared this with a friend and she told me that the same thing happened to her so she cancelled her credit card. 
I dont want to cancel my card but have never been charged a fee like this previously on my Macys card.

Is it ok for them to do this? Seems a bit sketchy to me and with the millions of Macys card holders out there, {$2.00} for each adds up to a lot of money. 

Attached are : the receipt for {$68.00} on XX/XX/20. 
Statement showing the {$2.00} fee. 
Snippet of the {$2.00} fee. 
Statement closing date of XX/XX/20 showing the {$2.00} balance.

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 2020-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Good day to you. I am sending in this complaint as a last ditch effort to remove a bankruptcy that is being reported innacurately on my experian report. I have sent updated copies of my credit reports as well as my current XXXX XXXX report that shows that there is no bankruptcy in my public record. I have also attached a letter from XXXX XXXX that shows that experian is not even responding to lexis nexis to remove this account. Please have them remove this as this is the XXXX month I have disputed with experian in a row with no success. I have been disputing this with them since XXXX of 2020. Thanks for your help in this matter. 

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 2020-11-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: ENOVA INTERNATIONAL, INC.
State: IL

Complaint narrative:
This company is reporting inaccurate information to the credit bureaus in regards to this account they are not reporting factual data. If the same company is reporting the same information the credit bureaus then there should not be any inconsistencies in the reporting. This is a violation of the FDCPA and the FCRA. Attached is verification of what is being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Tate and Kirlin Assoc
State: NH

Complaint narrative:
I spoke to this company on XX/XX/XXXX and asked them to stop calling me as I can not take calls at work and I'm paying my bill now that I have a job. 
Since then I've received a call on XX/XX/XXXX, and another call just now. They identify themselves do not state they're calling on a recorded line and onc either ask who they're calling about they hang up on me. 

This happens every time they call. When I try to call back to tell them again to stop harassing me I get a message saying they're not available and no voice-mail. 

Their number that they call from are XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2020-11-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bliksum, LLC
State: SC

Complaint narrative:
Checked my credit file. Notice a company showed up. Called then to inquire. Never opened a account with them. Rep named XXXX was very rude and insisted it was mines. Never signed any documents or received any funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: CA

Complaint narrative:
Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2020-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I placed my Timeshare for purchase in XXXX. On XX/XX/2020 I was contacted by Mr. XXXX XXXX from XXXX XXXX XXXX XXXX advising me a buyer had been found and was interested in pursuing the purchase. They sent me a copy of the contract and asked me to submit ( XXXX ) break down as follows ( {$700.00} deed transfer, Title search {$600.00} Lawyer fees {$900.00} ). I was then asked to wire the money to the broker representing the buyers. I set up a wire transfer through Wells Fargo and it immediately came back with a flag requesting I contact XX/XX/XXXX and validate the identity of the broker 's name I was to wire the money to. Bottom line Wells Fargo did not send the wire. I was advised my {$2200.00} was seized and would be sent to the Department of the Treasury. I was dealing with the death of my son during this time and put this matter on hold until I was able to get my head clear enough to go after whom ever I need to get my money back. I have filed XX/XX/XXXX complaint, FTC reports so far. 

I want Wells Fargo to notify me at once about the status of the money and all supporting documentation they used to seize my money and how I can get it back.Wire Transfer Confirmation Print successYou have successfully submitted your transaction on XX/XX/2020 at XXXX XXXX Pacific Time. 
View your wire transfer activity or make another wire transfer Confirmation number XXXX Send to XXXX XXXX ... XXXX From account PREFERRED CHECKING ... XXXX Available balance = {$4300.00} Frequency One-time - send now Wire amount sent {$2200.00} Fees {$30.00} Taxes Local taxes may apply Total from account {$2200.00} Send on XX/XX/2020

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 2020-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I XXXX  money to a fraudulent company. I reported within 48 hours, it Was a weekend so I had to wait. It was in the amount of XXXX and it was sent XX/XX/2020. The name of the website is XXXX and the money was sent to 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 2020-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have a credit card with Best Buy. I have had excellent payment history on my account, until the national lockdown in XXXX, 2020. The world suffered from this pandemic and during this time everything non-essential was closed. We contacted Best Buy immediately without the ability to contact a rep. We continued timely payments even though our XXXX XXXX is only at 25 % capacity ( which equals 17 seats ). I believe that reporting a late payment, while the world was shut down and experiencing uncertainty to the future, is completely unfair. 
As we continued with perfect payments, we are trying to purchase a home since our lease is expired and our landlord wants us out so she can sell her rental. Unfortunately, this negative reporting onthis account lowers my score unfairly. This derogatory reporting will affect our ability to secure a good mortgage or a fair interest rate. 
Please help a small business owner survive these uncertain times and help us enjoy our hard work & perseverance as a survivor and not a victim. Thank you!

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 2020-11-16 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: TN

Complaint narrative:
I have been a victim of identity theft and I notified XXXX, XXXX, and Experian about this XXXX XXXX account showing up on my credit report as a charged off account. I have been notifying them for months and even sent police report and somehow this account still gets updated and verified as accurate. The only credit bureau who actually did the right thing and removed this inaccurate account was XXXX. I don't see why this account did not get removed from Experian and XXXX  as should.

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 2020-11-16 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: TN

Complaint narrative:
I am a victim of identity theft and I sent a letter to Equifax over 30 days ago on XX/XX/2020 with the unknown accounts and inquries along with police report. Those accounts that was to be investigated and removed are XXXX XXXX  and XXXX. Its also an unknown inquiry showing up on my report from XXXX XXXX XXXX. Equifax never responded to my letter or did they remove these accounts from my credit report and its been longer than 30 days.

Company response to consumer: Closed with explanation