vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-03 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: LA

Complaint narrative:
Reporting late payments. No payments where late on the loan

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: LA

Complaint narrative:
Reporting late payments. No payments where late on the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: LA

Complaint narrative:
Reporting late payments. No payments where late on the loan

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you add the following Extended fraud alert on my credit report : ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT ( 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 non-monetary relief
Consumer complaint received 2022-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX / XXXX / {$1900.00} XXXX XXXX XXXX / XXXX / {$900.00} XXXX / XXXX / {$1300.00} XXXX XXXX BANK XXXX XXXX XXXX / {$2800.00} XXXX BANK / XXXX {$3400.00} XXXX XXXX  XXXX  Original creditor : XXXX  XXXX BANK XXXX XXXX / XXXX / {$1900.00} XXXX XXXX  XXXX  Original creditor : XXXX  XXXX XXXX XXXX / XXXX / {$900.00} XXXX5 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the XXXX-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: CA

Complaint narrative:
This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
CFPB-XXXX Just an anonymous text about a money transfer with a link that the text sent as well

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
This is regarding a Goldman Sacs credit card - An Apple credit card. 
On my statement, covering the period from XX/XX/XXXX to XX/XX/XXXX, XXXX = Prior monthly balance, XXXX = payments made on this statement, XXXX = new transactions made on this statement, XXXX = transaction for installment payments ( for XXXX  products ). 

New balance end of XX/XX/XXXX should be : XXXX ( XXXX less XXXX plus XXXX plus XXXX ). 
XXXX - what the statement states as the balance for XX/XX/XXXX. 

I have disputed this 4 times, 3 times with a supervisor. 
Each time the rep on the phone agrees the numbers were incorrectly calculated. 
Each time the department that responded to the dispute says the numbers are correct. 

The latest response was : You contacted us on1/28/2022 regarding your XXXX statement balance of {$530.00}. Your dispute has been resolved. Your balance is made up of card purchases and returns, payment activity, monthly installment due and any interest charges. Your beginning balance was {$1200.00} plus purchase activity of {$420.00} and payment activity of XXXX plus installment due of {$52.00} plus interest of $ XXXXwhich matches your total balance of {$530.00}. As a result, no further action has been taken. 

A bank that can't do simple math is a big problem. The reps I talk to ( supervisors at the call in center ) say the response above is from someone " above '' them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: FL

Complaint narrative:
I've made several attempts to dispute information on my credit file with Transunion and their updates never reflect any updates or changes made. According to the FCRA any information that is incorrect, must be deleted for inaccuracies. They have not done so. And my credit score has remained unchanged meanwhile XXXX and XXXX have updated most of my inaccuracies and my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX / XXXX / {$50.00} XXXX XXXX XXXX XXXX / {$980.00} XXXX XXXX / XXXX / {$50.00} XXXX / XXXX / {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: EdFinancial Services
State: PA

Complaint narrative:
XXXX is violation my consumer rights under these laws : Pursuant to15 U.S code 1681 ( a ) ( 1 ), ( 3 ), ( 4 ) ,15 U.S.code1681 ( 2 ) ,15 U.S. code ( b ), ( d ), ( 2i ), ( ae ), ( 2a ) By Experian reporting these accounts on my report they are directly in violation of my rights. ( Privacy Act of 1974 ) We put on notice that claimed all accounts to be verified and reporting legally. 

Account name : EDFINANCIAL SERVICES Account number : ( as reported ) XXXX Account name : XXXX XXXX XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: MI

Complaint narrative:
I am XXXX XXXX and I'm sending these complaint by myself and without any third parties involved. Upon reviewing my updates, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: CA

Complaint narrative:
This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section XXXX of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
There are so many attacks and dates on my record that I couldn't possibly be at to write all out.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
On XX/XX/2021 Bank of America notified me that my certificate of deposit would reach maturity and would e renewed for another 5 year term but provided no information on prospective interest rate. It wasn't until a letter dated XX/XX/2021 that I was advised of the new fixed interest rate of XXXX percent. After consultation with my financial advisor it was decided that keeping the certificate was not financially viable and I was advised to, and decided, to close the account. I read all the fine print on the letter from Bank of American and fully understood that any interest on the account would be forfeited when the account was closed. I decided that at XXXX percent it just wasn't going to be very much and didn't matter to me. 

On XX/XX/2021 I addressed a letter to the Bank of America at the address listed on the letter to ask hat the account be closed and acknowledged I would forfeited, plus potential penalties. I received no response at all from Bank of America. On XX/XX/2021 I sent another letter, certified mail, return receipt requested. I received the return receipt acknowledgment card with some undecipherable squiggle on it and stamped as picked up on XX/XX/2021. 

Since that time I have still not heard anything at all from Bank of America. No acknowledgement my request, absolutely nothing. 

As an aside, I saw a news feed on line from the XXXX XXXX XXXX towards the end of XXXX and they too wrote to report how extremely difficult it was to extract money owed to them from their accounts ad Bank of America. 

Since that time I have received a notice from XXXX XXXX that Bank of America is making some maneuver to link the CD account to a credit card account and have it reflect negatively on my XXXX credit scores. What possible linkage could there be between ad Certificate of Deposit and a credit card account? The XXXX report shows that there is no outstanding balance due on the credit card so I can see not reason for Bank of America 's action.

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 2022-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXXXXXX XXXX  XXXX XXXX / XXXX / {$0.00} XXXX XXXX XXXX XXXX XXXX / {$0.00} XXXX XXXX XXXX / XXXX / {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statem
ent is required.

( 7 ) Any other error described in regulations of the Bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: FL

Complaint narrative:
XXXX XXXX BANK XXXX XXXX XXXX / {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. 
( 7 ) Any other error described in regulations of the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
I contacted XXXX on multiple occasions from XXXX XXXX I just contacted Credit Collection Services XXXX XX/XX/2022 and spoke to XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX {$0.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( XXXX ) In general Before the expiration of the XXXXbusiness-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( XXXX ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( XXXX ) and before the end of the period referred to in paragraph ( XXXX ) ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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:
This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section XXXX of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: AZ

Complaint narrative:
In XXXX I canceled my services with XXXX when I moved to New Jersey and returned all my equipment. I never received a final bill with a balance. Fast forward to the present date I received a letter from I.C Systems INC claiming owed a total amount of {$840.00}. I contacted I.c Systems on XX/XX/XXXX to get better clarification on the matter. I first person I spoke to was rude and she hangup on me so I called back again because I when to resolve this is and the guy that answered also hang up on me when I was trying to ask for a bill breakdown. So I Called XXXX to see if I can get the final bill that was never sent to me I spoke with a guy on the XXXX XXXX department and he told me My final balance was {$410.00} including XXXX return payment fees and XXXX last fee, he also said he was emailing me a final bill break down when was never received. So on XX/XX/XXXX, I call cox again asking for my bill breakdown, and the guy to spoke with stated that the guy from XXXX I spoke with on XX/XX/XXXX should haven't told me he was going to email me my final bill and also told me that that balance of {$840.00} was including a fee I.c added after they bought the debt from XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: FL

Complaint narrative:
I have INQUIRES that are reporting on my Equifax I do not recognize these Inquires XXXX. XXXX XXXX ( date ) XX/XX/XXXX XXXX XXXX XXXX ( date ) XX/XX/2021 XXXX. XXXX XXXX XXXX ( date ) XX/XX/2021 XXXX. XXXX XXXX XXXX ( date ) XX/XX/20XXXX XXXX

Company response to consumer: Closed with explanation