vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-28 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX has been contacted via myself more than 12 times concerning the issue with misreporting information on my credit report as numerous calls have been endured explaining the issues at hand and they always accept fault and promise to address the complaint in full force. They continually lie with false acts of calling the credit bureaus personally asking for the removal of said notations as well as notifying them that they reopened the credit line without notice, now that they have assumed fault for the late payment referenced on said credit report. They did this also on my physical credit card, separate of the credit line, but never did so on the other account. They changed their statements to electronic records and not paper documents without notice as they had actually advised me of the mistake. They agreed to remove but since the first communication was that of XX/XX/XXXX, and I am spending hours daily on the phone with customer service as now I am told they are mailing me copies of the adjustments and they repeatedly have sent surveys on their performance instead. This has held up loans and a mortgage as well as over 128 hours in phone calls, email correspondence and lawyer consults in order to reach a just decision, yet they continue to threaten me and challenge credit disputes stating that the account is not even open. Meanwhile I took a picture of the account as well as the activity and sent to each credit reporting agency as documented proof that I am in good standing and no response has been received from them as well even though I am now a paying customer of all three of them on a monthly subscription. I do not wish to have the credit line closed but I do want the actions of XXXX XXXX XXXX XXXX to be dealt with in a serious pursuit of damages and removal of any negative remarks instantly upon receipt of this complaint as damages will be pursued by my two retained counselor firms for said fraudulent activities of the organizations involved. False reporting of credit activity is a crime under federal law as well as opening credit accounts without approval or said notification. These facts are well documented as well as their responsibility in numerous denials because of said notations and the three months it has taken to receive no help whatsoever concerning the issue although they continue to accept blame. My last contact with XXXX XXXX XXXXXXXX XXXX XXXX was on XX/XX/2021 when the customer service agent refused to forward me to a manager and denied accomodations to myself in reasonable fashion as to why the notes in the system read back to me are not reflected in the actions of the company.

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 2021-07-28 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX has been contacted via myself more than 12 times concerning the issue with misreporting information on my credit report as numerous calls have been endured explaining the issues at hand and they always accept fault and promise to address the complaint in full force. They continually lie with false acts of calling the credit bureaus personally asking for the removal of said notations as well as notifying them that they reopened the credit line without notice, now that they have assumed fault for the late payment referenced on said credit report. They did this also on my physical credit card, separate of the credit line, but never did so on the other account. They changed their statements to electronic records and not paper documents without notice as they had actually advised me of the mistake. They agreed to remove but since the first communication was that of XX/XX/XXXX, and I am spending hours daily on the phone with customer service as now I am told they are mailing me copies of the adjustments and they repeatedly have sent surveys on their performance instead. This has held up loans and a mortgage as well as over 128 hours in phone calls, email correspondence and lawyer consults in order to reach a just decision, yet they continue to threaten me and challenge credit disputes stating that the account is not even open. Meanwhile I took a picture of the account as well as the activity and sent to each credit reporting agency as documented proof that I am in good standing and no response has been received from them as well even though I am now a paying customer of all three of them on a monthly subscription. I do not wish to have the credit line closed but I do want the actions of XXXX XXXX XXXX XXXX to be dealt with in a serious pursuit of damages and removal of any negative remarks instantly upon receipt of this complaint as damages will be pursued by my two retained counselor firms for said fraudulent activities of the organizations involved. False reporting of credit activity is a crime under federal law as well as opening credit accounts without approval or said notification. These facts are well documented as well as their responsibility in numerous denials because of said notations and the three months it has taken to receive no help whatsoever concerning the issue although they continue to accept blame. My last contact with XXXX XXXX XXXX XXXX XXXX was on XX/XX/2021 when the customer service agent refused to forward me to a manager and denied accomodations to myself in reasonable fashion as to why the notes in the system read back to me are not reflected in the actions of the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX has been contacted via myself more than 12 times concerning the issue with misreporting information on my credit report as numerous calls have been endured explaining the issues at hand and they always accept fault and promise to address the complaint in full force. They continually lie with false acts of calling the credit bureaus personally asking for the removal of said notations as well as notifying them that they reopened the credit line without notice, now that they have assumed fault for the late payment referenced on said credit report. They did this also on my physical credit card, separate of the credit line, but never did so on the other account. They changed their statements to electronic records and not paper documents without notice as they had actually advised me of the mistake. They agreed to remove but since the first communication was that of XX/XX/XXXX, and I am spending hours daily on the phone with customer service as now I am told they are mailing me copies of the adjustments and they repeatedly have sent surveys on their performance instead. This has held up loans and a mortgage as well as over 128 hours in phone calls, email correspondence and lawyer consults in order to reach a just decision, yet they continue to threaten me and challenge credit disputes stating that the account is not even open. Meanwhile I took a picture of the account as well as the activity and sent to each credit reporting agency as documented proof that I am in good standing and no response has been received from them as well even though I am now a paying customer of all three of them on a monthly subscription. I do not wish to have the credit line closed but I do want the actions of XXXX XXXX XXXX XXXX to be dealt with in a serious pursuit of damages and removal of any negative remarks instantly upon receipt of this complaint as damages will be pursued by my two retained counselor firms for said fraudulent activities of the organizations involved. False reporting of credit activity is a crime under federal law as well as opening credit accounts without approval or said notification. These facts are well documented as well as their responsibility in numerous denials because of said notations and the three months it has taken to receive no help whatsoever concerning the issue although they continue to accept blame. My last contact with XXXX XXXX XXXX XXXX XXXX was on XX/XX/2021 when the customer service agent refused to forward me to a manager and denied accomodations to myself in reasonable fashion as to why the notes in the system read back to me are not reflected in the actions of the company.

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 2021-07-28 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: FL

Complaint narrative:
Incorrect posting on an attempt for debt collection! XXXX  debt collector- : XXXX XXXX XXXX  on an invalid debt. CONFIRM CAN BE DONE WITH MYID office of personnel mgmt. Case number XXXX. Experian already purged on cease and desist! Art people like everything else conserving credit and protection A FREEZE. Bars no lender, bank, etc ... .factvper bureaus and other agencies.

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 2021-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I initiated a bank to bank transfer from XXXX to Wells Fargo on XX/XX/XXXX. The money was debited on XX/XX/XXXX and XX/XX/XXXX, it still did not reflect. I called Wells Fargo and they told me that I can cancel. I cancelled and then called to XXXX to ask about timeline for returned funds. XXXX representative on XX/XX/XXXX told me that he sees that it was cancelled and it will take 1-5 business days to be returned. 

Today ( XX/XX/XXXX ) I called XXXX and they said they don't have any funds. Wells Fargo said they don't have any funds. {$6000.00} is missing from my account ( stolen practically ) and I was told to file some paperwork to dispute it by fax or mail. 

This is basically fraud committed by banks to steal someone's hard earned 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 monetary relief
Consumer complaint received 2021-07-28 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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of account that is still reporting on my Credit Reports : VERIZONTEL Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ZWICKER & ASSOCIATES
State: TN

Complaint narrative:
The firm XXXX XXXX XXXX XXXX, in regards to XXXX XXXX is pretending to be a law firm, in a attempt to collect a debt that is not a debt from XXXX XXXX, I still have a account with XXXX XXXX where I can pay on the bill, so my complaint is with XXXX XXXX ( XXXX XXXX XXXX XXXX ) and Zwicker and Asso., for falsely claiming to be a law firm and collecting on a debt that is not a debt I'm still paying on it it's just a closed account that is still a apart of XXXX Zwicker and Association , XXXX XXXX XXXX, XXXX XXXX XXXX, claiming to be XXXX XXXX XXXX , They also called XXXX XXXX XXXX  claiming this also.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: MA

Complaint narrative:
This letter is about the following accounts : COLLECTION : # XXXX, which you claim, I owe {$240.00} or my account was charged off {$240.00} ]. 

XXXX/XXXX  # XXXX, which you claim, I owe {$0.00} or my account was charged off {$0.00} ] XXXX  XXXX  # XXXX, which you claim, I owe {$480.00} or my account was charged off {$480.00}. 

XXXX XXXX # XXXX, {$1100.00} or my account was charged off {$1100.00} XXXX  # XXXX {$2600.00} or my account was charged off {$2600.00}. 

This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, TransUnion and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry. 

Pending to the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

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 2021-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
I have reached out to CMRE FINANCIAL SERVICES several times they will not respond. They have placed a collection on my credit and will only update with the credit bureau. XXXX  refuses to remove even though I have provided proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: FL

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT!!, STOP SAYING THIS IS A DUPLICATE. THIS MATTER WAS NOT RESOLVED!! There was not A RESPONSE IN 30 DAYS after XX/XX/2021, therefore this needs to be deleted. The account was not validated within 30 days of requesting validation. 
I have sent 2 correspondence letters to dispute the validity of the debit within the initial 30 day period ( the third letter was sent via certified mail to ensure delivery/signature confirmation ) requesting validation of debt ( I disputed the {$3500.00} debt that you are attempting to collect is unlawful and it violate the FDCPA. I do not owe {$3500.00} that's inaccurate ) however as of date I have received no response from this collection agency however they are still continuing to report inaccurate unverified information on my credit report.Yet, they continue to report negative information to the credit bureaus making it hard for me to maintain good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hello, during the pandemic COVID19. In XXXX, XXXX, XXXX and XXXX of XX/XX/XXXX, I was scared that I may lose my job. So scared that I had to start saving money and during this time I could not pay 2 credit cards out of the 5 I had. It was a tough choice but I had to save money in case I was let go due to the pandemic. I help pay for my father and mothers bills and I had to look out for them first. Prior to XX/XX/2020, I have never had a late payment on my credit cards. During this tough moment Capital One decides to penalize me. I did my due diligence and as soon as I found out my employment was secured and did not need to worry, I caught up on all credit cards payments by XXXX. I reached out capital one three times and they have advised they can not do anything. I feel as if I am being penalized for looking out for the well-being of my family and myself. After all the good rapture Ive had with Capital one prior to the late payments. All I am asking is for the late payments reported to the credit agencies from capital one regarding both my credit card to be deleted from my credit report. Please help me, because as a young adult it is affecting me harshly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
The XXXX  Credit Bureau is reporting inaccurate information on CB/NY & CO. 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 2021-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XX/XX/2021 I was the victim of identity theft and someone fraudulently applied for several credit cards using my credit info. When his was disovered all 3 credit agencies were notified and a security alert placed on my credit. 

On XX/XX/2021 someone once again tried to fraudulently use my credit to obtains an installment loan with a company called XXXX XXXX. The application was denied. 2 of the 3 credit agencies correctly identified this as fraudulent and it was not added to my credit. 

The 3rd agency, Equifax, added the fraudulent attempt to my credit as a hard inquiry that affects my credit. I filed a dispute with Equifax notifying them of the fraud and reminding them that this occurred before and that my account was under a security warning. Equifax has refused to remove the hard inquiry from my credit file. 

XXXX XXXX also has not responded to any communctions requesting that they notify the credit agency of the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: CA

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