vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent letters to all three credit reporting agencies stating the following : There are things on my credit report that I believe are inaccurate and false, I want you to know that I take my financial obligations very serious, and if it werent for these few inaccuracies, Id have an excellent repayment record. Please consider this a formal request to investigate and correct the following items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I ask that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

Item Number Company Name Account Number Comments 1. Late payments XXXX XXXX XXXX XXXXXXXX This is not consistent of my timely payments, is not reported across all credit reports, & in inaccurate. 

2. Late Payments XXXX XXXX XXXX XXXX  XXXX This is not consistent of my timely payments, is not reported across all credit reports, & in inaccurate. 

3. Late Payment XXXX XXXX XXXX  XXXX This is not consistent of my timely payments, is not reported across all credit reports, & in inaccurate. 

4. Late payment XXXX XXXX  XXXX XXXX XXXX XXXX This is not consistent of my timely payments, is not reported across all credit reports, & in inaccurate. 

5 .Inconsistent open dates Throughout credit reports Not consistent among the three.

6. Inconsistent payment date Throughout credit reports Not consistent among the three.

7. Inquiries done by XXXX, XXXXXXXX XXXX XXXX which I do not recognize.

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 2023-02-06 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: GA

Complaint narrative:
I sent letters to all three credit reporting agencies stating the following : There are things on my credit report that I believe are inaccurate and false, I want you to know that I take my financial obligations very serious, and if it werent for these few inaccuracies, Id have an excellent repayment record. Please consider this a formal request to investigate and correct the following items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I ask that you re-verify each of these items, and that the inaccurate items be deleted from my record.

Item Number Company Name Account Number Comments 1. Late payments XXXX XXXX XXXX XXXX This is not consistent of my timely payments, is not reported across all credit reports, & in inaccurate. 

XXXX. Late Payments XXXX XXXX XXXX XXXX XXXX  This is not consistent of my timely payments, is not reported across all credit reports, & in inaccurate. 

XXXX Late Payment XXXX XXXX XXXX XXXX This is not consistent of my timely payments, is not reported across all credit reports, & in inaccurate. 

XXXX. Late payment XXXX XXXX XXXX XXXX XXXX XXXX This is not consistent of my timely payments, is not reported across all credit reports, & in inaccurate. 

XXXX .Inconsistent open dates Throughout credit reports Not consistent among the three. 

XXXX. Inconsistent payment date Throughout credit reports Not consistent among the three. 

XXXX. Inquiries done by XXXX XXXX XXXX XXXX  which I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Windham Professionals, Inc.
State: NJ

Complaint narrative:
I live in XXXX  ... .im employed at about XXXX a year... ..It 's NOT my fault our country doesn't offer affordable HEALTH insurance ... ..To pay the amount owed and FURTHER bills coming is not in my capacity. The best i could do is {$100.00} a month... .NO MORE .....

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 2023-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was charged a numerous amount of overdraft fee through out my business with Wells Fargo bank which I finally took the leap to close this account in XXXX  after being with them for XXXX  years

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 2023-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Someone got ahold of my account information and tried to deposit a fraudulent check into my account. The bank froze my account and its been under investigation since late XXXX. I received a direct deposit from social security on XXXX XXXX 2022 and I havent been able to withdraw that money because the account was under investigation. The Citibank agents said it can take XXXX business days before they can close the account. Its been well over XXXX business days and every time I call to see whats going on they just give me the run around.

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 monetary relief
Consumer complaint received 2023-02-06 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: GA

Complaint narrative:
I sent a letter asking XXXX, Transunion, and XXXX to investigate my account it has been over 30 days. Those consumer reporting agencies are in notation. 
According to 15 USC 1681i - XXXX, Transunion, and XXXX have 30 days or less to investigate and send me the results. 
And they also didn't even record the current status of the disputed information which is another violation I have all the evidence attached below - Pictures of credit report -Receipts of certified mail

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 2023-02-06 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: GA

Complaint narrative:
I sent a letter asking XXXX, XXXX, and Equifax to investigate my account it has been over 30 days. Those consumer reporting agencies are in notation. 
According to 15 USC 1681i - XXXX, XXXX, and Equifax have 30 days or less to investigate and send me the results. 
And they also didn't even record the current status of the disputed information which is another violation I have all the evidence attached below - Pictures of credit report -Receipts of certified mail

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
The only an address on my Experian credit report should be XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XXXX All other addresses on my report need to be removed immediately. 

USC, 1681 and USC 1681s2 These laws say that I have a right to privacy, and anything else added on my credit report without my permission needs to 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 2023-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PDQ Services, Inc.
State: GA

Complaint narrative:
PDQ services continues to add things to my credit file despite not being able to furnish signed paperwork of any agreement between myself and themselves. I have never lived at a company called XXXX or signed and agreement with XXXX. I do not owe them money. This is illegal and its still on my credit report despite multiple disputes and attempts to resolve with the company directly. This account was added to my credit report on XX/XX/XXXX. I immediately disputed it on XX/XX/XXXX. XX/XX/XXXX, XXXX XXXX, XXXX and they could not furnished any agreements but XXXX, XXXX, and XXXX allowed the account to stay. The account was removed once on XX/XX/XXXX but then placed back on without my knowledge.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06 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: FL

Complaint narrative:
Balances on all credit card balances are wrong. Loan amount is wrong. Mortgage is. wrong.

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 2023-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc.
State: IL

Complaint narrative:
This debt was charged to me by XXXX. It was covered 100 % by my XXXX  XXXX. I turned it into my Benefits Rep at XXXX. He found that the Doctor coded the procedure wrong. I then called XXXX and they gave me the proper code that it needed to be changed to. So, I called the XXXX Doctor and told him the problem. Nothing got done on there end. I repeated this back and forth with XXXX and XXXX for about 8 months. Finally after hours of phone calls, my Benefits Rep stepped in and made the calls. He was told that it was resolved and now years later it is not again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: Nelnet, Inc.
State: TX

Complaint narrative:
I filed a dispute that was sent over to them and they responded back that they wouldn't remove these two innacurate items from my report due to them being legit when they are not.Then Ive called 3 different numbers I was given for them and they have not been reachable even after I left two messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: MD

Complaint narrative:
I HAVE SUBMITTED ALL DOCS TO SHOW THAT THESE ACCOUNTS ARE FRAUD AND I NEED THESE ACCOUNTS UPDATE ASAP. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: PA

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent a letter asking Experian, XXXX, and XXXX to investigate my account it has been over 30 days. Those consumer reporting agencies are in notation. 
According to 15 USC 1681i - Experian, XXXX, and XXXX have 30 days or less to investigate and send me the results. 
And they also didn't even record the current status of the disputed information which is another violation I have all the evidence attached below - Pictures of credit report -Receipts of certified mail

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 2023-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Zions Debt Holdings
State: PR

Complaint narrative:
Zions Debt Holding open on XXXX XXXX, XXXX a collection in my credit report of XXXX of {$610.00}. 

I WAS A FRAUD VICTIM OF FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. 

This is not the first time that I complain about this, because the first time was XXXX XXXX XXXX that open a collection, XXXX XXXX, XXXX, of {$610.00} in my credit report of XXXX. After the dispute, later was remove from my credit report. In my credit report of XXXX there is a statement of fraud victim.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I have been a customer with XXXX for a long time. I have never been late. I asked them to remove the billing error and they lied to me and said that they have investigated and found it to be true. I have my detailed billing history and no this is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Prosper Marketplace, Inc.
State: CA

Complaint narrative:
I was notified of approval and needed to finish the documentation, I called and emailed to try and verify info but they didnt answer my questions, I went on to finish the application even linking it to my bank. 
It was denied for information I could probably have corrected or provided statements for, I was never ever given the chance to correct the issue. 
This seems not only deceptive but misleading into a contract.

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 2023-02-06 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: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
A fraudulent application was opened in my name and my checking was used to pay for it the company American Express has resolved the account as fraud and promised a refund check for {$10000.00} that Ive gotten the check number XXXX but have not yet received I am seeking the payment of the {$10000.00} that they have agreed to pay me for the fraudulent account that withdraw funds from my checking without my authorization no not yet received

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Deutsche Bank
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oregon XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Circuit Court of the State of Oregon Foreclosure, with no prof of claim BK ruling. 
XXXX XXXX XXXX. 
Deutsche Bank National Trust Company Your investigation earlier found this note that wasnt theirs.

In 2010 Bankruptcy ruling stated that this note could never be collected upon again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
In XXXX of 2022 my SSN was compromised, my debit card which is set up to make payments for Kohl 's card was compromised therefore making my XX/XX/2022 late. My back froze and canceled my activities during the week of compromise. The comprise of my SSN took place on a holiday weekend, therefore resolving my issue with my bank due to compromised SSN further delayed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06 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: MD

Complaint narrative:
XXXX XXXX continues to report inaccurate balances on my credit report. I have disputed this inaccurate information to all three credit bureaus when my current balance was inaccurately posted at $ XXXX, I have never had a loan with the company in that amount. My loan amount with XXXX was $ XXXX with a lower current balance. I have been making timely payments on this account since its origination. Now, XXXX has again reported an inaccurate current balance of $ XXXX on my credit report which has again negatively affected my credit score. The correct current balance that XXXX has failed to accurately report to all three credit bureaus for the last few months is {$220000.00}. These inaccurate reports to the credit bureaus has consistently resulted in decreases in my credit score without any full recovery once any form of adjustment was made. Its beginning to feel like fraudulent and targeted inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: MD

Complaint narrative:
XXXX XXXX continues to report inaccurate balances on my credit report. I have disputed this inaccurate information to all three credit bureaus when my current balance was inaccurately posted at $ XXXX, I have never had a loan with the company in that amount. My loan amount with XXXX was $ XXXX with a lower current balance. I have been making timely payments on this account since its origination. Now, XXXX has again reported an inaccurate current balance of $ XXXX on my credit report which has again negatively affected my XXXX XXXX. The correct current balance that XXXX has failed to accurately report to all three credit bureaus for the last few months is {$220000.00}. These inaccurate reports to the credit bureaus has consistently resulted in decreases in my XXXX XXXX without any full recovery once any form of adjustment was made. Its beginning to feel like fraudulent and targeted inaccurate reporting.

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