vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. The bureaus have had 180 days and 3 dispute letters to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
Freedom Mortgage act transfer to them, XX/XX/XXXX made a payment. Escrow just changed advise I did not think it was correct because they transferred the XXXX from XXXX. XXXX was not showing. Per Freedom mortgage telephonic instructions it stated pay XXXX or the of minimum XXXX that I paid. Called Freedom XXXX ID # XXXX advise showing on my credit report as a miss payment which is incorrect. The late charged was removed advise they will investigate. Called on XX/XX/XXXX still checking called XX/XX/XXXX spoke to XXXX # XXXX will send in another request. Called again XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The last letter from Freedom Mortgage dated XX/XX/XXXX, stated they are unable to honor my request and miss payment Is accurate. I advise on the last conversation I have a copy of the recording giving me payments options and it was just ignored. I made the minimum payment they required and I should not reported as a miss payment this is affecting my credit.

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 2021-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kansas Counselors, Inc.
State: MO

Complaint narrative:
THIS WAS FRAUD, SOMEONE MUST HAVE USE MY NAME FOR XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent a letter to each of the three Bureaus requesting validation for the bankruptcy that is on my credit report as public records. What I received was a letter stating that they verified the information with the courts. As I contact the court system they verified that they do not have contact with the credit bureaus and have not verified anything. I have attached the letter. 
As I sent that letter toTransunion, XXXX and XXXX they all sent me a letter back still confirming the information just updating it. I want this bankruptcy removed off my 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 2021-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: CA

Complaint narrative:
Hello, this is the following complaint of XXXX ( complaint ID ) which is Discover Card. There is no progress at all and I do not know how to update the complaint so I am making the new Complain. 

They told me that I made a purchase/payment in XX/XX/2020. However, I have been explaining this to Discover and also to XXXX multiple times that it is impossible to make because I closed the credit card in XX/XX/2020. Also, they guided me through everything so I just followed that how I got the account closed confirmation email. ( I attached closed confirmation email for the last complaint ) However, they were keep insisted on me that I made that transaction in XX/XX/2020. Therefore, I asked them the transaction detail ( not just the balance but the transaction detail ) about it before paying. I explained to them multiple times that it is unfair to say that I just need to make this payment without even knowing what happened because I was not even in the U.S and closed the account. ( I can provide the flight history as well ). XXXX  agent told me that they will send the transaction details by mail and also email as well. Sadly, I have been lied again and again by the corporate. 

I have been doing this for three months now and when I got a call from XXXX  yesterday, they did not even have an updated address when I provided multiple times from XXXX through XXXX. Also, I just talked to the Manager at XXXX  and they were saying the same thing that they want me to just pay the amount without even showing me the transaction details. 

I think this is an obvious scam especially when I actively engaged and even call back to XXXX. Also, they said they will provide me the information but now they change the words and they just want me to pay without giving me the information. I told them multiple times that I want the transaction details, not just the balance. Even worse, I have been doing this for three months now and I can not even describe how frustrated I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: NY

Complaint narrative:
I find it disheartening that you keep claiming an account to be verified and IT IS SO ABUNDANTLY CLEAR that the information is inconsistent. Now rather its you or the other credit bureaus that is reporting the incorrect information is none of my concern. The point is ONE OF YOU is WRONG and until you can prove to ME that you are the bureau that's correct, then ALL of you is WRONG. Please delete this account .It is so clear it wasn '' t properly verified. All credit information reported to the credit bureaus must match in its entirety amongst all credit bureaus and if you look at my attachment as proof you can see that is not accurate and consistent. The account in question are XXXX XXXX XXXX. Here is the inconsistencies. The DATE OPENED is inconsistent amongst you and the other 2 bureaus, LAST REPORTED is inconsistent amongst you and the other 2 bureaus, DATE LAST ACTIVE is inconsistent amongst you and the other bureaus and the DATE OF LAST PAYMENT is inconsistent amongst you and the other bureaus. I have attached a document that list all 3 credit bureaus side by side that clearly show that you have not properly verified anything. Please review.

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 2021-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: AR

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: NC

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: FL

Complaint narrative:
Good afternoon, I am writing to you because I never authorized any furnishers to report on my credit and the information they are putting on there are fraudulent and wrong. I wrote to all 3 credit bureaus and none of them responded in over 2 months. I want these frandulant reports removed or I will seek litigation because what they are doing is also wrong by putting false medical reports on there I never authorized to report and they never verified any of this. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Meridian Financial Services, Inc.
State: FL

Complaint narrative:
I do not even know who this company is. There is nothing on my credit report for Meridian Financial Services. Lastly, they are calling for my old married name ( which I have not had in over 10 years ). They are calling family members too trying to reach this name also. I would like them to stop calling as again there is nothing on my credit report, nor have I received a debt validation letter for any outstanding debts that would have been owed prior to the past 10 years.

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 2021-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a letter to each of the three Bureaus requesting validation for the bankruptcy that is on my credit report as public records. What I received was a letter stating that they verified the information with the courts. As I contact the court system they verified that they do not have contact with the credit bureaus and have not verified anything. I have attached the letter. 
As I sent that letter toXXXXn, Equifax and XXXX they all sent me a letter back still confirming the information just updating it. I want this bankruptcy removed off my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent a letter to each of the three Bureaus requesting validation for the bankruptcy that is on my credit report as public records. What I received was a letter stating that they verified the information with the courts. As I contact the court system they verified that they do not have contact with the credit bureaus and have not verified anything. I have attached the letter. 
As I sent that letter toXXXX, XXXX and Experian they all sent me a letter back still confirming the information just updating it. I want this bankruptcy removed off my 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 2021-08-24 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: PA

Complaint narrative:
I sent letters to Equifax Credit Bureaus the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the accounts that are still reporting on my Credit Reports : XXXX  XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX  XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX  XXXX XXXX  XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX  XXXX XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX/XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX, XXXX.-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX $ XXXX-Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: GA

Complaint narrative:
The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/2021 and Several times prior to that.

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 2021-08-24 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: GA

Complaint narrative:
The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/2021 and Several times prior to that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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:
on XX/XX/2021 i sent the credit bureau a dispute letter, along with a FTC report concerning an account that was not opened by me. Under FCRA 605B ( 15 U.S.C. & 1681 c-2 ) This fraudulent account must be removed within 4 business days. I do not owe this alleged debt and they cant provide me a method of verification. The name of the collection account is ( XXXX XXXX XXXX ). I have no consent of this alleged debt, i want this account to be removed from my credit report immediately, thanks.

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 2021-08-24 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: OK

Complaint narrative:
I have tried, unsuccessfully, for many years to get all three credit bureaus, XXXX, XXXX  and Trans Union to eliminate false/fraudulent information off my credit report. I even paid lawyers to try to help, see attached. They stonewall, refuse to respond or simply will not remove the false information. They are paid by the companies, so they just keep it on, KNOWING it is fake, KNOWING they can not produce and legal documents showing the fake accounts are mine. I have tried in XX/XX/XXXX, XXXX and XX/XX/XXXX, again in XXXX of XXXX. Then in XXXX of XXXX and XXXX of XXXX. No matter how many letters i write, demands via attorney, proof I was hacked as part of a XXXX data breach, they will NOT remove the false information.

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 2021-08-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: CO

Complaint narrative:
America First Credit Union ( AFCU ) failed for OVER 11 WEEKS to close my account and remit funds after written notice and after they stated in writing they WOULD close the account and send funds. On XXXX XX/XX/2021 Moved from XXXX  to XXXX, Updated address on account and sent secure email asking to close it. XXXX XXXX AFCU replied, " Thank you for contacting America First! XXXX, We received your account closure notice and will complete that process, which consists of mailing to the address we have on file a cashier 's check made payable you in the amount of your combined funds ... '' On XXXX XXXX Account was STILL not closed. I used secure chat to ask what happened. They said I needed to call by phone. First phone call was disconnected when I asked for agent ( instead of automated access ). Second call required 17 minutes with an agent and supposedly now they will actually close the account.

Request CFPB reiterate top America First Credit Union their obligation to close accounts and remit funds promptly. Request America First Credit Union Formally adjust their poor procedures so that they ACTUALLY close accounts when requested in writing and when they already agreed in writing to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I open up an account with Sam Club XX/XX/2013, Synchrony Bank became the servicer of the account a couple of years ago. I have never missed a payment on this account, only late one time. 

While I was in the hospital XXXX  Synchrony Bank called my telephone everyday some time twice a because I did not make payment on the due date even after I informed them I was currently XXXX  in the hospital, the calls continued for anther two weeks. 

This was harassment and unnecessary therefore, I asked Synchrony Bank to remove my telephone number from their files and never to call again. I have the right as the consumer to ask any company to cease and desist contact via telephone. 

I am filing a formal complaint and making record of my request, if Synchrony Bank call my telephone every again I will initiate a class action law suit.

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 2021-08-24 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: NY

Complaint narrative:
Good afternoon, I am writing because XXXX, XXXX  and Equifax are in violation by reporting fraudulent credit information when I never even authorized any furnishers to report on my credit. I will have to seek litigation if this is not removed because this is wrong and an injustice for doing this without my consent. Please update me as soon as possible with this matter, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: GA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
My checking account ending in XXXX was closed back in XXXX do to a overdraft of that account which I had submitted a claim for fraudulent charges for online gaming citizen bank paid out over XXXX dollars which they billed t o my account that I disputed. the claim was never settled i was told i had to pay them back. now I being off set from other open accouts .I only have short term XXXX income this is a hardship just take my money not being made aware until after they debit my other accounts..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
fcra law : violations never late fix it or we will get the whole account removed : payment show late never late fcra violatons XXXX XXXX WELLS FARGO CARD SERVICE Reported : XX/XX/2021 + {$1100.00} In good standing

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