vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-23 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: IN

Complaint narrative:
I have two bank cards with XXXX XXXX never reported. In XXXX they reported one of my accounts late and both accounts are covered by Insurance to make payments due to loss of job. One of the claims slipped through the cracks on email and was reported late when sent together I have been around AND around telling bank its late on CR they say I can't get removed from credit report! Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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: IN

Complaint narrative:
I have two bank cards with XXXX XXXX never reported. In XXXX they reported one of my accounts late and both accounts are covered by Insurance to make payments due to loss of job. One of the claims slipped through the cracks on email and was reported late when sent together I have been around AND around telling bank its late on CR they say I can't get removed from credit report! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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: IN

Complaint narrative:
I have two bank cards with XXXX XXXX never reported. In XXXX they reported one of my accounts late and both accounts are covered by Insurance to make payments due to loss of job. One of the claims slipped through the cracks on email and was reported late when sent together I have been around AND around telling bank its late on CR they say I can't get removed from credit report! Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP
State: OH

Complaint narrative:
I currently have the Relicard associated with Ohio unemployment. I have had my account locked since at least XX/XX/XXXX when I noticed I could not use my card to make purchases or withdrawal funds. I called customer service and was given the run around about my card being locked due to possible fraud. I was told to fax my ID and proof of address to a fax number. I did that twice and was told they didnt receive them even though I had the fax confirmation page. I then went online and uploaded the documents. Then the rep said she received them and they were under review. I have called on multiple occasions almost every other day since XX/XX/XXXX and tried to get help with this situation. This is the only source of income I currently have and they are holding {$1800.00} that I need to pay my bills before I am evicted or my bills are shut off! They have told me that my account is still under review day in and day out and theres nothing they can do about it or to help me. I just need someone to unblock my card as there is no fraud on my account and I have already proved my identity to Ohio unemployment and now a third party company is holding my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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 — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I noticed that my credit limit has decresed.Why is that.Every payment is on time, Fico score is good.I paid XXXX for payment this Month.They told me that I should contact you.I think I was right.Can You help me? Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc.
State: TX

Complaint narrative:
I had been a XXXX wireless hotspot customer for over 8 years as of XX/XX/2017 ( see Attach # 1 ). I experienced service quality issues including an unexplained account number change ( See Attach # 4 and # 5 ). I found that XXXX offered a better product, 10GB of wireless hotspot service for {$10.00} a month, compared to the {$50.00} a month for 5GB that XXXX charged. I decided to switch providers. 

On XX/XX/2017 I called and spoke to a XXXX representative. I asked her to email me so I had her contact info to confirm our conversation ( See Attach # 2 ). I asked for my final closing balance on my XXXX account and then I asked her to close out my account. I was advised that the closing balance was {$91.00} and that my account would be closed. I paid the amount and XXXX deducted the payment from my XXXX XXXX XXXX XXXX ( XXXX ) account four business days later on XX/XX/2017 ( See Attach # 3 ). 

I believe that the unexplained account number change may have contributed to any posting issues related to my final payment. All further contact with XXXX confirmed that my account was closed. When I went to their website it advised me that it was closed. If I called them, I was told I no longer had an account with the company and there was no invoice to pay. The {$53.00} amount ( See Attach # 4 ) they later sent to collections was either in error or would have already been included in the {$91.00} payment I made to close out the account. 

I paid the collection company the {$53.00} again to stop the dispute notices, and I filed a dispute with the XXXX  credit agency ( See Attach # 5 ). The bill was sent in error on an account that could not be accessed, for a service that was no longer being provided or used.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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:
Date XX/XX/2020 Attn : CFPB Consumer Relations Department To Whom It May Concern I am reaching out because as of now, I did not receive any response or notice from three Bureaus Credit Reporting Agencies for my disputes with them. They are stating that these accounts are under investigation. But I still have not received any updated letter from the Beaurus and creditors. Inaccurate account information, balances, last payment status, and default dates for all the accounts listed below are being shown. The agencies investigated it, but I did not hear back from credit report agencies and creditor. I have listed out the accounts and my reasons for disputing them below. Since this is my second request with CFPB to resolve this matter, I am expecting to receive responses in a timely manner this time. Thank you for your help in this matter. Please see my list for dispute below : Credit reporting agency name : EXPERIAN Alleged account # ( 1 ) XXXX  Creditor XXXX, account type : Revolving. ( 2 ) XXXX Creditor XXXX XXXX XXXX, account type Revolving. ( 3 ) 15 Creditor XXXX  XXXX XXXX account type revolving. ( 4 )  XXXX Creditor XXXX, account type revolving. ( 5 ) XXXX creditor XXXX XXXX, account type revolving. ( 6 ) XXXX XXXX XXXX XXXX  account type revolving. ( 7 ) XXXX Creditor XXXX XXXX XXXX, account type revolving

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently sent letters over 60 days ago to this bureau and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
This account is closed. Its reporting inaccurately to credit agencies. Its a violation. I want it deleted and removed. I begin trying to remove this since XX/XX/XXXX by sending multiple letters to the collection agency by certified mail through the post office as well as online. XXXX  has agreed to remove and delete from my credit report. I was also a victim of the XXXX  breach in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: GCFS, INC.
State: CA

Complaint narrative:
This is a follow-up to the initial complaint I submitted in regard to the debt collection agency by the name of GCFS , INC . The California State Attorney General determined that any loans given out by XXXX XXXX were illegal. Therefore, the debts do NOT have to be paid back.XXXX XXXX was a predatory lender giving out illegal loans to people who they knew who default on the loans. GCFS, INC bought the loan from XXXX XXXX and they have been harassing me for over 10 years now! GCFS, INC has obtained judgment against me in the amount of {$7700.00}. Although the loan I took out back in 2006 was only for {$2600.00}, not only that, but I paid on the loan for 1 year which means I paid off 50 % of the loan, if you deduct all of the ridiculous interest rates XXXX XXXX imposed on its victims. It is ILLEGAL for GCFS, INC to continue to pursue me to collect a debt that was ILLEGAL to begin with! I am also contacting my state attorney General 's office and submitting a complaint against GCSF, INC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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: I.C. System, Inc.
State: IL

Complaint narrative:
The company I.C. systems is threatening and attempting to damage my credit By reporting the same credit for the same company on a weekly basis. I have XXXX XXXX and I am getting alerts each week since XX/XX/XXXX in which this company is hitting my credit each week for the same debt. I have the account in dispute from XXXX in which they are charging me for services in which they never rendered. I requested transcripts and the calls to be heard of the multiple times I called disputing the charges to the company for them not giving me the product I requested and was never able to use. The debt collector is now threatening my credit and doing illegal reporting weekly for the same debt. I see this as being abusive 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 explanation
Consumer complaint received 2020-09-23 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently sent letters over 60 days ago to this bureau and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently sent letters over 60 days ago to this bureau and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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: SC

Complaint narrative:
I opened a prior complaint with Experian. ( # XXXX XXXX Experian responded with : Thank you for submitting your complaint on XX/XX/2020, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We reviewed and considered all the information you have supplied through the CFPB portal and directly to Experian. Our research indicates that you have previously contacted Experian directly to request a reinvestigation regarding the disputed information. Therefore, at your request to begin a reinvestigation, we are in the process of contacting the data furnisher to verify the accuracy of the information with which you disagree. 

Experian then closed the dispute with no additional information from the debt collection company validating the debt. The company in question ( XXXX  ) still has not provided initial validation of the debt and has not followed the fiat credit reporting act requirements as outlined on CFPBs website. 


As outlined on the website A debt collector must tell you the name of the creditor, the amount owed, and that you can dispute the debt or seek verification of the debt. 
Any debt collector who contacts you claiming you owe on a debt is required by law to tell you certain information about the debt. That information includes : XXXX The name of the creditor XXXX The amount owed * That you can dispute the debt * That if you dont dispute the debt within 30 days the debt collector will assume the debt is valid * That if you dispute the debt in writing within 30 days the debt collector will provide verification of the debt * That if you request the name and address of the original creditor within 30 days, if different from the current creditor, the debt collector will provide you that information. 
If the debt collector doesnt provide the above information in the initial contact with you, the debt collector is required to send you a written notice including that information within five days of the initial contact. 

Experian continues to ignore the requirements and allows a vague response from the company. The company still has not provided any validation of the debt and Experian is allowing the company to hold me hostage as a consumer by not protecting consumers against unfair reporting actions. 

I ask for CFPB to please not allow Experian to continue to run me as a consumer through an administrative process with no true intent to resolve the issue. Once again, this debt is not valid and should be removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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: MS

Complaint narrative:
Please Add this New List of Illegal Activities by the Furnisher to My Recent Complaint # XXXX ( Attached )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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: ID

Complaint narrative:
In XXXX of this year, I disputed a collection account on my Transunion credit report by XXXX XXXX for a XXXX bill that i do not owe. Transunion investigated this and removed it from my report. When I checked my credit score today it had fallen 34 points because a different collection company bought the XXXX account. The name of this company is XXXX XXXX. I have written this company and showed proof of cancelling this account and still they are reporting this. Also, three accounts were removed because they were over seven years old and included in a bankruptcy. This further dropped my score 17 points. When an account is removed from your credit report, doesn't your credit score rise? What will happen in XXXX when my bankruptcy is removed? Will my credit score fall again? This is ridiculous!!! All credit bureaus should be one and all information is reported, not just picking and choosing which company to report to. Judging a person 's life by a number is moronic and unfair for those honest people who don't have the financial stability of others who aren't so honest. I think we should give a number to someone's character and integrity. This would put a lot of people who have high credit scores in the lower range and those with lower credit scores in the high range. Perhaps we could all judge the credit bureaus and give them a score. I would give them a 300. ALL OF THEM! That's being generous. So, if I am to be someone in life and be judged by a number, at least be honest about it Transunion, XXXX  and XXXX. These clowns need to be shut down. They are destroying people.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
This is in direct response to my previous complaint. This is repeat of a complaint to exponential in size. 

TransUnion responded to complaint number XXXX that I was disputing a credit report. In the afore mentioned complaint, I never asked to dispute a credit report. Already did that. 

I would also like to give notice that I have been in contact with XXXX XXXX  many times. 

Here is the problem. TransUnion showed me delinquent on my mortgage. 

In my last many hours long phone call, TransUnion admitted they never received a report from XXXX XXXX. 

Lets repeat it. I have contacted XXXX XXXX  they have cooperated and have given me reports. 

Lets repeat. XXXX XXXX  never reported me delinquent. That is according to XXXX XXXX  AND TransUnion. 

Lets repeat, when the delinquency showed up I did file a dispute. I ended the dispute when XXXX XXXX  notified TransUnion I was never delinquent. 

Lets repeat. TransUnion on its own showed me delinquent. TransUnion did so with no reports no documents no transmittal letters, nothing from anything stating I was delinquent. 

Lets repeat. Why did TransUnion on its own show me delinquent. 

Lets repeat, XXXX XXXX did respond to TransUnion I was never delinquent. 

Lets repeat. XXXX XXXX  filed a single report going to all credit reporting companies, none showed me delinquent other than TransUnion. Proof XXXX XXXX  never reported me delinquent. 

Lets repeat. Why did TransUnion show me delinquent when no such report was given to TransUnion. 

Lets report, I did not ask for another dispute investigation into the delinquent report. That has already been done. 

Lets repeat. After maybe a dozen complaints TransUnion has never responded to my question as to why they generated a late report when they received no such 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 explanation
Consumer complaint received 2020-09-23 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: MS

Complaint narrative:
Please Add this New List of Illegal Activities by the Furnisher to My Recent CFPB For TransUnion Complaint # XXXX ( Updated List Attached )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: KEYCORP
State: WV

Complaint narrative:
Fraudulent use of Debit Card ( Master Card ) issued by KeyCorp XXXX XXXX XXXX  XXXX XXXX XXXX SD XXXX ), that was used for deposit of state unemployment ( West Virginia ) funds. Fraud cash transfers of {$500.00} on XX/XX/2020, {$500.00} on XX/XX/2020, and fraudulent use of card to pay a wireless telephone charge of {$64.00} on XX/XX/2020. 
I advised the issuing bank ( Key Corp ) of the fraud on XXXX They canceled the card on that date and issued a replacement. I reported the fraudulent charges to Key Corp 's Fraud/Security department on XX/XX/2020. Key Corp 's Fraud/Security department said it could not stop the fraudulent payment of {$64.00} for the wireless telephone payment being made since the funds had not yet been paid ( scheduled for XX/XX/2020 ) but had been scheduled/deducted from my debit card already. Key Corp 's security department said they would investigate, but no case number was assigned nor has any resolution to the problem been achieved.

Company response to consumer: Closed with explanation