vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-17 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: AL

Complaint narrative:
Please be advised this is my second written request. I was taken advantage of due to malpractice while several laws were being broken under FCRA by your company. This has caused me financial injury, defamation of character, unable to get a job with a newborn baby arriving soon, and the inability to apply for credit under my consent and authorization. This has hurt my ability to obtain credit. My family and I are suffering due to this. You are in direct violation of the FCRA if these unauthorized inconsistencies are not removed. This leaves me exposed to being a victim of fraud again. Your company is breaking the law!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: AL

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2022-03-17 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: AL

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: Verisk Analytics Inc
State: FL

Complaint narrative:
My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: LA

Complaint narrative:
This is a fraudulent account/ collections. And was flagged as fraudulent by credence resource management. Please remove account from my credit report or provide proof within 30days

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 2022-03-17 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: AL

Complaint narrative:
Please be advised this is my second written request. I was taken advantage of due to malpractice while several laws were being broken under FCRA by your company. This has caused me financial injury, defamation of character, unable to get a job with a newborn baby arriving soon, and the inability to apply for credit under my consent and authorization. This has hurt my ability to obtain credit. My family and I are suffering due to this. You are in direct violation of the FCRA if these unauthorized inconsistencies are not removed. This leaves me exposed to being a victim of fraud again. Your company is breaking 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 non-monetary relief
Consumer complaint received 2022-03-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: AL

Complaint narrative:
I came down with Covid back In middle of XXXX and had to be out of work for 2 months due to the complications I was experiencing after the sickness. The doctor I was seeing finally released me to return to and on XX/XX/2022 my job terminated my employment while I was on leave which I didnt understand. Im currently unemployed and searching for a job so far havent received any calls yet.

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 2022-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
multiple fraudulent unauthorized charges on my debit card going to XXXX, XXXX, an Atm withdrawal and XXXX as well as something called XXXX, These are fraud charges made using a stolen debit card and i would like to file a XXXX  XXXX claim against these unauthorized charges. 

Amount stolen from me totals {$3300.00}.

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 2022-03-17 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: Chime Financial Inc
State: PA

Complaint narrative:
On XX/XX/2021 I received a deposit of XXXX from the irs treasury and I wasnt Aware of receiving it. At that time I was in a relationship and he had took my phone when I was sleep. Chime will not investigate the cameras to see who was taking the money off. I was cheated. Now if I wouldve just keep my deposits with XXXX Im sure this would have not happened. I want my money back and I want a proper investigation of cameras to prove my point. And if Im wrong Im wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I placed an online order and the merchant provided the wrong item, I tried contacting them but they are not responsive. I field a dispute with my bank but my Bank is now failing to resolve the dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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:
My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau XXXX, TransUnion, and XXXX. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible.

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 2022-03-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/2022 I purchased hockey tickets online thru XXXX for the XXXX XXXX. I used a card on file. I immediately received an email from Capital One that the transaction was declined because I was using a cancelled card. I went back to the site where i got the tickets and purchased a new set of tickets. I sldo emailed the merchant to inquire about the transaction that was declined and they ssid that both transactions went thru. When i looked in my credit card app both items were on it. I immediately called Capital One and disputed the transaction that Capital One said was declined. We went to the game on XX/XX/XXXX and only used the second set of tickets. I received a message from Capital One requesting more information. I sent it in. I received another message saying i didnt send what they asked for so they are denying my credit for it. I wouldnt have bought a new set of tickets if it wasnt for Capital One saying the card was declined and then they let that same transaction go thru.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-17 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:
My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau Equifax, XXXX, and XXXX. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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:
My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau XXXX, XXXX, and Experian. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible.

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 2022-03-17 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 — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
XXXX XXXX i received a transation update on my TD bank credit card of multiple online purchase at XXXX totaling {$370.00}. I did not make these purchases and the dredit card company has not resolved this fraud claim. 
Please interview

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank Of America has committed fraud against me in regards to my vehicle. The regulatory complaints department reaches out via email, yet every time I contact them I can never speak to the person who is supposedly dealing with this issue. This is the second point of contact to reach out from that department but I never get this matter rectified. I have sent out several affidavits and other correspondence to Bank of America via certified mail, secured email provided by them, phone calls and this issue has yet to be handled. I asked for documents regarding the vehicle loan. Under TILA Regulations they are to provide a consumer with documentary evidence of being the obligate party to collect on the alleged bet of the loan. Once I figured out the were committing fraud and challenged the in accordance with the regulatory laws they discharged the loan as I was requesting and which regulatory law requires them to do if they could not provide the documents in which I requested. Now Im having a issue with them providing the title to my vehicle. I followed every regulatory guide line and Bank Of America refused to provide the documents. They stated they were above these laws and that they considered the laws to have no merit. I have spoken to several employees who have claimed to be high level employees in the company yet they can never be reached again when I submit my complaints to them. I will just move forward with a federal lawsuit and take this matter to court. I have given Bank Of America more than enough time to rectify this matter and the have refused to do so.

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 2022-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: URS Holding, LLC
State: NY

Complaint narrative:
XXXX XXXX, through its Collection Agent, Alltran Finacial claimed to have agreed to a resolution of a disputed debt. When asked for written confirmation of the arrangement, Alltran initially claimed a letter memorializing the arrangement was mailed. One week later the promised letter never arrived. Alltran refused to email or fax confirmation of this arrangement and then advised that unless a payment was made ( despite still refusing to confirm anything in writing ) XXXX XXXX would " recall '' their file. 

Every effort was made to assist Alltran in confirming the arrangement in writing. An email initiated to Alltran memorializing the terms was not responded to. Alltran 's refusal to confirm terms of the arrangement are highly problematic.

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 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Consumer submitted a request for verification of debt and placed this debt into dispute. However, the companies are still reporting to report. Which constitutes defamation. Please see attached document that was sent to company, where the company has failed to produce such validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Recovery Systems, Ltd
State: NC

Complaint narrative:
Nationwide Recovery Systems initiated an attempt to collect on a debt in XX/XX/XXXX in the amount of {$500.00}. I have statements through XXXX ( page 2 of the attached PDF ) providing proof that I paid this debt in the exact amount that theyre requesting as of XX/XX/XXXX. Theyve been unable to prove that I have any other outstanding debt, as the original was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Consumer submitted a request for verification of debt and placed this debt into dispute. However, the companies are still reporting to report. Which constitutes defamation. Please see attached document that was sent to company, where the company has failed to produce such validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17 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:
An account from XXXX XXXX was closed and charged off with a {$0.00} balance, it was then bought by Jefferson Capital Systems LLC with a {$720.00} balance. I had no knowledge of this account and my ex-girlfriend was using this account until XX/XX/2018. We were not together in 2018. I'd appreciate if this account can be deleted off all 3 bureaus out of goodwill because it is the only collection holding my otherwise good credit on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I am an out of service veteran, I have worked closely with XXXX and XXXX to correct a debt from my time in the Military. The debt should have been XXXX and I have also paid XXXX from garnished wages to the Third Party Collection agency TSI. When I contacted TSI to request a payoff account I was informed that the debt is now {$5100.00}. And there is no account summary or portal to verify the amount. Math is not my strongest subject, but I came to XXXX I requested and explanation to understand how the debt came to XXXX? Is there a {$1500.00} fee added? And where can I find an account summary or debt summary?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: NY

Complaint narrative:
On XX/XX/2021, the SBA deposited {XXXX} into MY CITI BANK ACCOUNT. CITI BANK decided to call it FRAUD and close out my account and keep my funds until this day. I don't know where my funds are. They will not return them to me nor the SBA. They will not give me any information nor have they returned me my money. They are a horrible and unprofessional company. They are saying I am committing FRAUD when I submitting countless proof that I owe a business and am entitled to those funds from the SBA.

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 2022-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CMI Group, Inc.
State: GA

Complaint narrative:
Was notified via mail by Credit Management L.P. in which i responded withing 2 days to dispute the validity of the debt owed, I specifically asked for validation of the debt which i sent via certified letter which Ive attached to this complaint, Credit management never responded within the 30 days allotted by law, Credit management knowingly added this debt to my credit file without validating this debt as i demanded. 

Proof of my request will be attached to this complaint.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: OH

Complaint narrative:
Im demanding the removal of the collection which Spring Oaks Capital has placed on my credit. My debt is not with them. I dont owe the {XXXX} reflected on my credit. Im in no type of contract with this company. This is impacting my credit and I demand that it is removed at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I, XXXX XXXX, a natural person, just received a notification theres a new account reporting on Consumer Credit Reports today dated on XX/XX/22. 

However, Dear Convergent Outsourcing, how did you get my private information which is my social security number? How did you get it without my consent? And why are you reporting on my credit report without my permission?

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 2022-03-17 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: Sequium Asset Solutions, LLC
State: RI

Complaint narrative:
SEQUIUM ASSET SOLUTIONS opened a collections account for {XXXX} to my account and reported it to XXXX, XXXX, and XXXX on XX/XX/2022. The original creditor is shown as XXXX XXXX XXXX. I have no knowledge of this account as I have no purchase any services or good from XXXX in the last 10 years. 

I disputed this negative account on XXXX XXXX to XXXX and XXXX on XX/XX/XXXX but they will not remove it from my account. Only XXXX has successfully removed this from my account. THIS IS NOT MY ACCOUNT AND NEEDS TO BE REMOVED FROM MY CREDIT REPORTS!

Company response to consumer: Closed with explanation