vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-12 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: CA

Complaint narrative:
The Credit Bureaus never fail to disappoint me when it come to doing their best at nothing. I have been sending numerous letters and complaints to the Credit Bureaus urging them to properly investigate the accounts in which I belived reporting erroneous information and doing harm on my Credit File. Despite all my efforts, the Credit Bureaus grew negligent and never even bothered to do an investgation on my Credit File. The FCRA gave the Credit Bureaus ample amount of time to do a proper verification and correct the accounts and yet they have failed to respond to my letters. The 3 credit bureaus must validate these accounts in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. I need the Following acounts verified and corrected immediately : XXXX. XXXX XXXX XXXX {$1100.00} Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance {$180.00} Date opened XX/XX/XXXX XXXX. XXXX XXXX Balance - Date opened XX/XX/XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The Credit Bureaus never fail to disappoint me when it come to doing their best at nothing. I have been sending numerous letters and complaints to the Credit Bureaus urging them to properly investigate the accounts in which I belived reporting erroneous information and doing harm on my Credit File. Despite all my efforts, the Credit Bureaus grew negligent and never even bothered to do an investgation on my Credit File. The FCRA gave the Credit Bureaus ample amount of time to do a proper verification and correct the accounts and yet they have failed to respond to my letters. The 3 credit bureaus must validate these accounts in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. I need the Following acounts verified and corrected immediately : XXXX. XXXX XXXX XXXX {$1100.00} Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX Balance {$180.00} Date opened XX/XX/XXXX XXXX. XXXX XXXX Balance - Date opened XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
In the month of XXXX my husband and I were sick with XXXX  and were unable to work due to covid isolation and symptoms x 14 days each for a total of 28 days in the month. My mother had a XXXX  XXXX causing XXXX  which also required out of state travel and was unpaid work leave x 3 months. Our in laws had their house burn down. My husband lost his job. We provided proof of all of these events and paid our Mortgage XXXX  days late. Freedom mortgage applied a late payment despite our requests for them not to with proof of hardship. Our credit scores dropped by over XXXX points despite our repeat attempts to work with their resolution department without this removed from our credit reports.

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 2022-07-12 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: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: EQUIFAX, INC.
State: DE

Complaint narrative:
We have a security freeze with all the major credit agencies for myself and my spouse XXXX XXXX, XXXX, and Equifax. The complaint is only with Equifax. On XXXX XXXX We temporarily lifted the freeze on these accounts. We were unable to access our online accounts with Equifax, we called and spoke to a representative at Equifax to complete the order. We then spoke to several representatives about this access for our accounts. These conversations lasted over three hours on XX/XX/XXXX. We are unable to check our credit report or credit score or lock or unlock our accounts. We were assigned case numbers for this problem. Equifax stated that they would close the old accounts and reset for new ones as they were unable to recover the accounts. I was told to wait three to five days and check back. We called again on XXXX XXXX which lasted another two hours the cases were escalated. We were told a second time to wait 24 to 48 hours. Still the same problem. We need our myequifax accounts accessible because we can not manage a freeze. We can not start or stop a security freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: MO

Complaint narrative:
On XX/XX/2022 start date I received a phone call from a " Supposed US Bank Employee '' with a spoofed customer service US Bank  Phone number. Which was XXXX about a XXXX withdraw of {$3500.00} and he stated there was " fraud '' on my account. When I logged onto online banking he was able to sign me up for XXXX, which is a money transfer service used by many banks including US Bank. He then proceeded to withdraw {$1900.00} from my account, and then he proceeded to do 2 more withdraws of {$400.00} increments. Then the perpetrator locked me out of my online banking access at that point. Immediately US Bank from XXXX XXXX, MO called me and asked if I made those withdraws and I stated " No I did not '' they told me on the phone there was nothing they could do because was a XXXX transaction. The lady from the US Bank XXXX XXXX knew there was an ongoing scam with the US Bank Customer Service Phone number being " spoofed '' by scammers and were aware of this scam. The US Bank website did not mention the scam or the spoofing of the customer service phone number. I opened a new account because of the fraud, and also US Bank opened an investigation of the fraud and after 10 business days they determined that I posted the requested transactions. I received 3 letters in the mail today and basically they have now denied my claim and are NOT going to do any other course of action regarding the fraudulent transactions. So the scammer made off with {$2300.00} of my money that the bank will not reimburse me back for. That is why I'm filing this junction at this point to see my options are now. Thank You XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 a account without my written instructions

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 2022-07-12 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 

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 a account without my written instructions

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 2022-07-12 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 2022-07-12 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: NC

Complaint narrative:
I ordered a copy of my report XXXX XXXX XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date XX/XX/2022 Experian credit bureau has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX**** I believe it was reporting in error.

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 2022-07-12 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights.

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 a account without my written instructions

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 2022-07-12 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: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
In accordance with a fair credit reporting act [ PROF DEBT # XXXX, XXXX XXXX # XXXX ] has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A 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 2022-07-12 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: IN

Complaint narrative:
Its neen 3 months and Citibank has been unable or unwilling to resolve my disputed charge claim on a Wayfair Citibank Credit card. I have attempted to have this resolved and after 2 months, I received a message stating that my disputed charge had been resolved because I received a merchant credit. But, I have looked at my account and this is not the case. My account balance should currently be {$0.00}, but it is still {$320.00}. On XX/XX/2022, I made ONE ( 1 ) purchase from Wayfair in the amount of {$320.00}, however 2 separate charges of {$320.00} appeared on my account. I contacted Wayfair directly about this charge and they stated that their invoice showed only a single charge or {$320.00} and advised me to contact Citibank directly since the problem was on their end, which I did to begin the disputed charge process. I later returned that item and received a refund in the amount of {$300.00}. I then paid the remaining balance of {$13.00}. I have made ZERO ( 0 ) other purchases with my Wayfair credit card either before XX/XX/XXXX or after XX/XX/XXXX. Citibank continues to give me the runaround on settling this dispute.

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 2022-07-12 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: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and CORRECTED right away. 

XXXX XXXX XXXX Late Date XX/XX/16

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 2022-07-12 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 XXXX  account, XXXX, XXXX, XXXX, has violated my rights. 
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 A Acct without my written instructions. 

XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Installment XXXX XXXXXXXX XXXX XXXX Account # : XXXX XXXX Account Type : Collection XXXX XXXX XXXX Account # : XXXX Account Type : Installment XXXX Account # : XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : XXXX XXXX XXXX XXXX XX/XX/XXXX All Banks : XXXX  XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XX/XX/XXXX Bank Credit Cards : XXXXXXXX XXXX  XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Auto Loans : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Used : XXXX XXXX XX/XX/XXXX Auto Dealers, New : XXXX XXXX XX/XX/XXXX Bank Credit Cards : XXXX XX/XX/XXXX Tenant Screeners : XXXX XX/XX/XXXX XXXX XXXX : XXXX XX/XX/XXXX Bank Credit Cards : XXXX XXXX XXXX XX/XX/XXXX Bank Credit Cards : XXXX  XXXX XX/XX/XXXX Bank Credit Cards : XXXX XXXX XXXX XX/XX/XXXX Auto Dealers, Used : XXXX XXXX XX/XX/XXXX XXXX Dealers, New : XXXX XXXX  XX/XX/XXXX Credit Cards Issued By Finance XXXX : XXXX XXXXXXXX XXXX XX/XX/XXXX Auto Dealers XXXX Used : XXXX XXXX XX/XX/XXXX Complete Department Stores- Clothing : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Auto Dealers, New : XXXX XX/XX/XXXX Tenant Screeners : XXXX XX/XX/XXXX Personal Loan Companies : XXXX XX/XX/XXXX XXXX XXXX Processing : XXXX XXXX XXXX  XX/XX/XXXX Auto Dealers, Used : XXXX XXXX  XXXX XX/XX/XXXX Auto Dealers, XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-12 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: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted for lack of evidence : XXXX XXXX, XXXX/XXXX  XXXX  XXXX, XXXX-XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted for lack of evidence : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted for lack of evidence : XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-12 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: Convergent Resources, Inc.
State: FL

Complaint narrative:
In accordance with a fair credit reporting act [ XXXX XXXX # XXXX, CONVERGENT OUTSOURCING # XXXX ] has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-07-12 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: REGIONS FINANCIAL CORPORATION
State: CA

Complaint narrative:
I believe I have fallen victim to a predatory lending scheme. I am an elderly person and was experiencing plumbing issues and called XXXX to assist. Was promised total issue resolution, took a loan through the lender coordinated by their contractor for {$6000.00}. However the issue was never resolved. I had to keep calling because the system behaves the same as before. XXXX no refuses to honor warranty but Im still liable for this loan. 

I have filed a claim with the State of California XXXX XXXX XXXX, they have been trying to close my case ever since I opened it in XXXX. This work began XX/XX/2020 to this date I am not satisfied with their work. 

XX/XX/2020 XXXX XXXX from the XXXX XXXX XXXX and another man he identified as an inspector claimed he was checking my plumbing and he also said we needed a plumber with a camera to look into the pipes. There was a plumber working across the street from my house and he claimed to have gone up the pipe with camera. I received a phone call from XXXX XXXX telling me that nothing was wrong I have not received a report I paid that plumber {$200.00} cash.

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