vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-08 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:
I have found multiple charge-offs on my account to be inaccurate and a hindrance to my credit report. 

XXXX XXXX Account XXXX XXXX Multiple innacuracies were found between all bureaus. 
If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.

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 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Global Lending Services LLC
State: PA

Complaint narrative:
In accordance with " The Fair Credit Reporting Act XXXX  '', Global Lending Services on XX/XX/2022, has violated my rights by way hard inquiry on my credit report. 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
JEFFCAPSYS HAS PLACED A FRAUDULENT ACCOUNT ON MY CREDIT. THIS ACCOUNT IS CURRENTLY REPORTING TO XXXX AND XXXX. 

FOCUS XXXX XXXX HAS PLACED A FRAUDULENT ACCOUNT ON MY CREDIT. THIS ACCOUNT IS CURRENTLY REPORTING TO XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 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:
The balance on this account is incorrect. It should be {$940000.00}. 


Account Number XXXX Condition Open Responsibility Individual Current Balance {$950000.00} Original Balance {$950000.00} Limit XXXX XXXX  Monthly Payment {$8300.00} Last Payment XX/XX/2023

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 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: WI

Complaint narrative:
I hired Lexington law to repair my credit and I I paid for their services before I had any results. I was told that hard inquiries would be removed as long as I paid. Inquirys were not removed and I paid before they rendered service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
in accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15USC 1681. 

Account name XXXX  Account number XXXX Status Closed Account name XXXX XXXX  XXXX XXXX Account number XXXX Status Closed Account name XXXX XXXX  XXXX XXXX Account number XXXX Status Closed Account name XXXX XXXX  XXXX XXXX Account numberXXXX Status Closed Account name XXXX XXXX  XXXX XXXX Account number XXXX Status Closed Account name XXXX XXXX  XXXX XXXX Account number XXXX Status Closed Account name XXXX XXXX  XXXX XXXX Account number XXXX Status Closed Account name XXXX XXXX XXXX Account number XXXX Status Closed Account name XXXX XXXX XXXX Account numberXXXX  Status Closed Account name XXXXXXXX XXXX Account number XXXX Status Closed 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A it also states a consumer reporting agency can not furnish an account without my written instruction 15 U.SC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other than records of conviction of crimes which antedates the report by more then seven years.

15 U.S.C 1681s ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-08 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: FL

Complaint narrative:
in accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15USC 1681. 

Account name XXXX Account number XXXX Status Closed Account name XXXX XXXX XXXX XXXX Account XXXX XXXX Status Closed Account name XXXX XXXX  XXXX XXXX Account XXXX XXXX Status Closed Account name XXXX XXXX XXXX XXXX Account XXXX Status Closed Account name XXXX XXXX  XXXX XXXX Account XXXX XXXX Status Closed Account name XXXX XXXX  XXXX XXXX Account XXXX XXXX Status Closed Account name XXXX XXXX  XXXX XXXX Account XXXX XXXX Status Closed Account name XXXX XXXX XXXX  Account number XXXX Status Closed Account name XXXX XXXX XXXX Account XXXX Status Closed Account name XXXX XXXX Account number XXXX Status Closed 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A it also states a consumer reporting agency can not furnish an account without my written instruction 15 U.SC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other than records of conviction of crimes which antedates the report by more then seven years.

15 U.S.C 1681s ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: VA

Complaint narrative:
I was a customer of Lexington Law on a few occasions. I may have used their services in the earlier XXXX ( using an old XXXX email address ), but I have email XXXX correspondence from them from about XX/XX/XXXX - XX/XX/XXXX, and again from about XX/XX/XXXX - XX/XX/XXXX. 

During that time, I paid as much as $ XXXX up front for their credit repair services, with very little results. I subsequently canceled the service because their sales reps kept trying to coerce me to stick with the premium plan. 

Now, all of these years later, Im hearing that Lexington Laws actions were unlawful and that theres a class action lawsuit against them. How does your class action lawsuit affect consumers, like me, who paid out thousands of dollars to Lexington Law?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Only XXXX reporting all accounts. Equifax not reporting correctly. Almost 40 points difference from other bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 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: FL

Complaint narrative:
Hello, My name is XXXX XXXX XXXX. I reside at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX in XXXX XXXX XXXX I am writing this complaint because Equifax , Inc. has violated many consumer protection laws including preparing and reselling inaccurate information. Equifax , Inc. does not have permissible purpose from either XXXX XXXX XXXX, the Consumer in which this Consumer Report relates, nor has a court issued an order to furnish such inaccurate information. Furthermore, as of XX/XX/XXXX, it took Equifax , Inc., 34 days to conduct a reinvestigation. Which is outside of the 30 days allowed to conduct a reasonable reinvestigation pursuant to 15 U.S.C 1681i ( a ) ( 1 ) ( A )., This was previously disputed with Equifax , Inc., therefore, Equifax needed to conduct a reinvestigation upon Notice by XXXX XXXX XXXX. This information was not verified by the end of XX/XX/XXXX, which would have been the end of the 30 day period allowed since Equifax , Inc. received notice of this dispute on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
On XXXX XX/XX/2023 I made a {$400.00} deposit in all XXXX XXXXXXXX to the Huntington Bank XXXX XXXX XXXX XXXX PA branch. I got a prompt that my money was not taken in but will be kept in the ATM and to contact the financial institution..which I did..they counted the ATM. My {$400.00} was there. It still has not been credited to my account and I have called the bank and customer service 2x everyday since and I feel like I'm getting the run around. I had 2 charges declined and my car payment is now due Monday and will decline because of insufficient funds and this is not ok. They have my money and it needed to be in my account Tuesday.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: HoldCo LLC
State: NJ

Complaint narrative:
Fell victim to a scam through Bitcoin Depot.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Convergent Resources, Inc.
State: MO

Complaint narrative:
Please, I need help... I'm single after 31 years, never had to work... working now 6 days a week... ex responsibility for this bill... help me get it off my report..please

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 2023-04-08 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: NY

Complaint narrative:
i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, Experian and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.

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 2023-04-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
Navient calls every morning at around XXXX XXXXXXXX. With the previous calls I have requested that they send me everything in writing on. I believe Thursday, XX/XX/XXXX I returned a call with them and requested that they adhere to my request for them to provide everything in mail. On Saturday, XX/XX/XXXX I received a call from Navient ignoring my request. I requested a supervisor, but was told no supervisor was available until Monday

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have been on forbearance with Wells Fargo and working with XXXX 's assistance to get help paying my mortgage because of financial hardship due to me having long haul XXXX, and my home mortgage payments going up because of taxes and insurance rates. During the middle of all of this, Wells Fargo sold my loan to XXXX XXXX XXXX. When I read about this new company, it seems as though they are more of a collection agency than a mortgage company. How can Wells Fargo do this while I was in the middle of all of this? Wells Fargo was the one who told me about the XXXX assistance program to begin with.

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 2023-04-08 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: GA

Complaint narrative:
On XXXX XXXX I purchased 4 Visa gift cards of {$200.00} each at my local XXXX. They were to be a XXXX present for my son and his wife who live in another state. They came for an early XXXX on XXXX XXXX and left early on XXXX XXXX. They tried to use the cards on XXXX XXXX. Three had a XXXX balance and one had a balance of {$0.00}. All four had been used at XXXX stores. One also had some online purchases on XXXX XXXX. I called the phone number on the back of the card. It said the bank was XXXX XXXX  serviced by Incomm Financial Services. They emailed a dispute form on XXXX XXXX. On XXXX XXXX I send 4 emails ( one for each card ) that included the form, copy of the receipt, copy of the card, and the transaction history. InComm emailed that they had received the dispute. On XX/XX/XXXX InComm sent an email and said they needed the receipt and copies of the cards. On XX/XX/XXXX I called and talked to both customer service and a supervisor. After a long hold time the supervisor said they needed the information I had previously sent as it was changed to another department and they could not transfer the information. She also said I would hear back with 7 business days. I emailed the information again on XX/XX/XXXX. I never heard back from them. I have called on XX/XX/XXXX, XXXX, XXXX, and XXXX. It is always the same-they are investigating and it will be another 24 to 48 hours. They received a certified letter from me on XX/XX/XXXX and still no response. All I want is my {$800.00} back by check as soon as possible. They have had my dispute since XXXX XXXX. This is a lot of money. We are retired and on a fixed income. Also since I no longer trust gift cards I want a check with a tracking number. Incomm had no customer service. It seems to me that they are putting me off by asking for the same information and always saying 24 to 48 hours, but no answer from the.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XX/XX/2012 ; 1. I have paid this account. 2. This acccount is old, and should no longer appear on my credit report. 3. Thank you for your time!

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 2023-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Good Morning..my dears, At Consumer Financial Protection Bureau.. greeting , On or around XXXX XXXX, I faxed my judgement file case # XXXX from [ US.Bank, XXXX XXXX, XXXX  ] To : Attention : Garnishment Department at US.bank. 
After 5 months returned back to me uncollected the Bank Altered and committed Fraud changed my judgement file case number I went back and I faxed back and so far, I haven't heard from them again.

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 2023-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
2 HSBC bank collection accounts appear in my credit bureau. They state that in XX/XX/2019 these accounts under my name have a balance receivable. I never had a balance in these accounts. These charges were made fraudulently by someone who stole my identity. On this date I was traveling outside the United States for a family emergency. XXXX attached my identity theft report to them and they ignored it. They sold this account to another collection company and at the same time they maintain the same balance in my credit bureau. 

It is unacceptable that if this account has already been sold to a collection agency, the HSBC Bank account continues in my credit bureau. The account that should be there is that of the collection company to which XXXX sold the debt for me so that I can also claim the closure of this account from them.I will re-attach my identity theft report. 

Company to which they sold my debt. But you are the ones who update this in my credit bureau, not the company in question Company sold XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion has been charging me {$24.00} since at least XX/XX/2021. I think they got my credit card number through a free credit monitoring trial that they extended after my data was involved in a data breach. I have tried to cancel the recurring charge with Transunion multiple times over the past year, but they claim to have no record of me. I've provided my name, address, email address, and social security number, and yet they still can't cancel this charge. My only solution at the moment is to dispute the charge every single month and hope that my bank continues to refund 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 2023-04-08 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:
Found multiple inaccuracies on my credit report. 


XXXX XXXX  XXXX Account XXXX XXXX XXXX Date- XX/XX/2020 If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.

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 2023-04-08 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: FL

Complaint narrative:
Found multiple inaccuracies on my credit report. 


XXXX XXXX XXXX Account XXXX XXXX XXXX Date- XX/XX/2020 If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.

Company response to consumer: Closed with explanation