vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Contacted the bureaus several time about inaccurate information reporting on my consumer report. yet ive never received any response nor up date

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 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Contacted the bureaus several time about inaccurate information reporting on my consumer report. yet ive never received any response nor up date

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Contacted the bureaus several time about inaccurate information reporting on my consumer report. yet ive never received any response nor up date

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 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been disputing since XX/XX/XXXX. I sent dispute letters on XX/XX/XXXX as well. I have not received anything from Equifax, XXXX, nor XXXX. They have inaccurate information on my credit report. Equifax, XXXX, and XXXX are also violating my rights under FCRA and not in compliance with the laws. 

The list of accounts that I have not received results from my investigation since XX/XX/XXXX. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: GreenSky, LLC
State: MN

Complaint narrative:
On XX/XX/XXXX, We had XXXX XXXX and heating out to check our furnace. He found that we needed a new hot water heater, and we went ahead and also had him install a new water softener. He told us we could apply online for financing thru Greensky. I typed in the exact amount of XXXX needed for financing. We were approved. Just got the paperwork from Greensky today, It states that they had approved us for a line of credit up to {$12000.00}! .We NEVER gave our approval for them to open a line of credit to us, we were NEVER told by XXXX that this was a common practice by Greensky . I called Greensky to ask what was going on and they would NOT give me ANY info on the account as it is in my husbands name only, and my husband is out of town. I was concerned that a payment may be due and can not access the account online, which she wouldn't help me with either. Our concern is that with this unauthorized line of credit, our credit will suffer. We have impecible credit scores and want to keep them that way. I have just read on CFPB in XXXX, XXXX, Greensky has been practicing this unlawful act of securing unauthourized lines of credit and actions have been enforced upon them to STOP, but we can assure you, that they are still unlawfully practicing the same way as I have the paperwork to prove it! We feel that XXXX holds responsibility in this also.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Submitted a 609 requesting verification of a debt that is not my account with XXXX and TransUnion. Both agencies failed to verify the debt and in return the collection agency mailed me a fraudulent statement with an incorrect name, address and dates that can clearly be proven to be incorrect. I have disputed this account several times with no success of the account being properly verified, validated and/or deleted from my credit report. Both agencies continue to state that the debt has been " updated '' and that " account is disputed, consumer disagrees ''.

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 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Simon's Agency, Inc.
State: NJ

Complaint narrative:
I sent in a dispute latter 30 days ago, and still havent received any updates yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that XXXX and XXXX Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on the BANK OF AMERICA. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2021-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
I received in regular mail a threat that they ALREADY filled a suit against me and the only way to ameliorate the suit is to pay them {$910.00}. They are also threatening to do a hard inquiry on my credit report. 

The letter is from XXXX XXXX XXXX, XXXX, XXXX. 

XXXX XXXX XXXX. 
XXXX, OR XXXX The supposed debt is for Wells Fargo ; they are alleging I have an overdrawn account I owe for. The problem is, I havent had a Wells Fargo account in 15 years or more and do not owe them money, not to mention there arent Wells Fargos in HI where I live. The reason I know this is, this is the second fraudulent attempt to collect debt on behalf of Wells Fargothat I dont owe and have never owed. I confirmed this with Wells Fargo about 6 months ago and have the letter. I also filed a similar complaint with CFPB at that time which was resolved in my favor.

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 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have sent several letters to Equifax to update my address to the current one along with proof of the address but the previous address remains. I do not live at that address and wanted to ensure that I receive all my mail from them. I have also disputed negative items on my credit file and Equifax mailed me a letter. The letter stated that my information can not be found but yet they are able to allegedly validate negative information on my file. Upon looking at XXXX XXXX I noticed that several of my negative items were finally removed. I also checked the Equifax credit reporting site as well to ensure that it was accurate. It also shows no negative items. But when I log into the XXXX credit reporting site it lists several negative items. This is conflicting information and I would like a copy of my actual credit report to know what is on there. Each time I dispute I do not receive a copy of the outcome. I am uploading the return letter I received from Equifax and a screenshot of what their site is showing for me on their actual site.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XXXX and XXXX of 2020 I was terribly sick with XXXX, it took me out of commission for 3-4 weeks. For 3-4 weeks I was bedridden, I had to take time off from work and couldn't do much of anything. I thought I had set all of my bills to autopay and that my XXXX Car lease bill was on autopay as well. However in XXXX of 2020 I was contacted by XXXX and they said the lease payment was past due, however I the representative from XXXX told me that if I made the payment with her over the phone it would not be reported late to the credit bureaus. I made the payment with her over the phone, but in the months that followed I did see it reported as late on my credit report. I have tried to resolve this situation with XXXX and the credit bureaus but no one seems able to help me. The XXXX XXXX XXXX XXXX XXXX has already been paid in full.

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 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In XXXX and XXXX of 2020 I was terribly sick with XXXX, it took me out of commission for 3-4 weeks. For 3-4 weeks I was bedridden, I had to take time off from work and couldn't do much of anything. I thought I had set all of my bills to autopay and that my XXXX Car lease bill was on autopay as well. However in XXXX of 2020 I was contacted by XXXX and they said the lease payment was past due, however I the representative from XXXX told me that if I made the payment with her over the phone it would not be reported late to the credit bureaus. I made the payment with her over the phone, but in the months that followed I did see it reported as late on my credit report. I have tried to resolve this situation with XXXX and the credit bureaus but no one seems able to help me. The XXXX XXXX XXXX car loan has already been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XXXX and XXXX of 2020 I was terribly sick with XXXX, it took me out of commission for 3-4 weeks. For 3-4 weeks I was bedridden, I had to take time off from work and couldn't do much of anything. I thought I had set all of my bills to autopay and that my XXXX Car lease bill was on autopay as well. However in XXXX of 2020 I was contacted by XXXX and they said the lease payment was past due, however I the representative from XXXX told me that if I made the payment with her over the phone it would not be reported late to the credit bureaus. I made the payment with her over the phone, but in the months that followed I did see it reported as late on my credit report. I have tried to resolve this situation with XXXX and the credit bureaus but no one seems able to help me. The XXXX XXXX XXXX car loan has already been paid in full.

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 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I just checked my credit and noticed a closed account for XXXX XXXX and show an adverse report for {$950.00} that showed it was paidXXXX. I have always paid on time. I have had absolutely no adverse payment history with XXXX XXXX. I am respectfully requesting this discrepancy be corrected as soon as possible. Thank you.

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 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
An Indigo Credit Card or ( Genesis Card Services ) customer service representative suprevisor told me over the phone that Indigo ( Genesis Card Services ) would be willing to delete the XX/XX/XXXX late credit card payment from my credit report however this was not done. I have been a good client of Indigo Credit card ( Genesis Card Services ) since XXXX of XXXX. This one late payment in XX/XX/XXXX was done in error and I was told it would be removed. I have tried writing letters to the credit bureaus and Indigo Credit Card ( Genesis Card Services ) but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Merchants and Professional Bureau, Inc.
State: IL

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on MERCHANTS & PROFESSIONAL XXXX Balance {$2500.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Duvera Billing Services, LLC
State: GA

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX and XXXX Bureaus are willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this account immediately. 

1. DUVERA BILLING SERVI XXXXX Balance {$3200.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I sent in a dispute letter 30 days ago, and still have not received any updates 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 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SUNRISE CREDIT SERVICES, INC
State: NJ

Complaint narrative:
I sent in a dispute letter 30 days ago, and still have not received any updates 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 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The 3 Credit Bureaus are reporting inaccurate information on ONEMAIN XXXX Balance {$14000.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
XX/XX/2021 Companies involved : First National Bank /FNB XXXXrom Pa. & XXXX XXXX. 

[ Earlier that day ] I tried making my auto loan payment over the phone to XXXX XXXX, Im unemployed so I tried using my unemployment debt card.XXXX XXXX declined the transaction. So I drove to FNB ATM to transfer money. 

I bank at First national Bank I stopped at there ATM at the XXXX  pa branch. I withdrew {$500.00} from my unemployment debt card. Still at the same ATM I took my XXXX  XXXX debt card and proceeded to make a deposit with the money that I just pulled out. The machine gave me my receipt on the bottom on the receipt it reads this transaction can not be permitted at this ATM. The funds never made it to my account. I went into the bank the next business day. The manager said that they can not depute this because I used a XXXX XXXX debt card, I have to call XXXX XXXX. XXXX  XXXX manager says its not there ATM this is FNB Responsibility. Ive spoken to both companies twice and neither want to look into where my {$500.00} dollars ended up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Bureausbut they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Below are the accounts that are reporting on my Credit Reports : 1. MIDLAND FUNDING XXXXX Opened XXXX XXXX, 2016 Balance {$2400.00} ; 2. MIDLAND FUNDING XXXX Opened XXXX. XXXX, 2016 Balance {$1500.00} ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
An XXXX Credit Card or ( XXXX XXXX XXXX ) customer service representative suprevisor told me over the phone that XXXX ( XXXX XXXX XXXX ) would be willing to delete the XX/XX/XXXX late credit card payment from my credit report however this was not done. I have been a good client of XXXX Credit card ( XXXX XXXX XXXX ) since XXXX of XXXX. This one late payment in XX/XX/XXXX was done in error and I was told it would be removed. I have tried writing letters to the credit bureaus and XXXX Credit Card ( XXXX XXXX XXXX ) but to no avail.

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 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
An XXXX Credit Card or ( XXXX XXXX XXXX ) customer service representative suprevisor told me over the phone that XXXX ( XXXX XXXX XXXX ) would be willing to delete the XX/XX/XXXX late credit card payment from my credit report however this was not done. I have been a good client of XXXX Credit card ( XXXX XXXX XXXX ) since XXXX of XXXX. This one late payment in XX/XX/XXXX was done in error and I was told it would be removed. I have tried writing letters to the credit bureaus and XXXX Credit Card ( XXXX XXXX XXXX ) but to no avail.

Company response to consumer: Closed with explanation