vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-13 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with 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. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXXL XXXX XXXX Balance : {$2600.00}

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 2023-07-13 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with 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. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$2600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13 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:
I purchased XXXX XXXX XXXX XXXX basic car no power windows automatic doors bought the car XX/XX/XXXX from XXXX XXXX my contract said {$17000.00} it was fianc through XXXX XXXX I started paying XXXXXXXX XXXX XXXX XXXX  {$460.00} I paid them XXXX payments of {$460.00} total {$18000.00} I had an accident XX/XX/XXXX car was total out I was hit XXXX times in the rear by XXXX truck the car was total out XXXX XXXX XXXX told me to get the payoff on the car XXXX XXXX told me I owed {$17000.00} more on the car I ask them what was they talking about I had never heard that the car costed {$35000.00} XXXX XXXX gave me {$9200.00} I gave that to XXXX XXXX total I paid them {$27000.00} I also had Gap Insurance they paid them I kept the car to try to sell parts from the car I had just bought me tires XXXX month before the accident thinking they would give me the Pinkslip to the car which they didnt I told them they could pick the car up I called XXXX XXXX XXXX they said this company XXXX XXXX had multiple lawsuits against them for overcharging Customers and XXXX XXXX also so they went out of business 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 2023-07-13 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:
I purchased XXXX XXXX XXXX XXXX basic car no power windows automatic doors bought the car XX/XX/XXXX from XXXX XXXX my contract said {$17000.00} it was fianc through XXXX XXXX I started paying XXXX XXXX XXXX XXXX  {$460.00} I paid them XXXX payments of {$460.00} total {$18000.00} I had an accident XX/XX/XXXX car was total out I was hit XXXX times in the rear by XXXX truck the car was total out XXXX XXXX XXXX told me to get the payoff on the car XXXX XXXX told me I owed {$17000.00} more on the car I ask them what was they talking about I had never heard that the car costed {$35000.00} XXXX XXXX gave me {$9200.00} I gave that to XXXX XXXX XXXX I paid them {$27000.00} I also had Gap Insurance they paid them I kept the car to try to sell parts from the car I had just bought me tires XXXX month before the accident thinking they would give me the Pinkslip to the car which they didnt I told them they could pick the car up I called XXXX XXXX XXXX they said this company XXXX XXXX had multiple lawsuits against them for overcharging Customers and XXXX XXXX also so they went out of business XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13 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:
I purchased XXXX XXXX XXXX XXXX basic car no power windows automatic doors bought the car XX/XX/XXXX from XXXX XXXX my contract said {$17000.00} it was fianc through XXXX XXXX I started paying XXXXXXXX XXXX XXXX XXXX  {$460.00} I paid them XXXX payments of {$460.00} total {$18000.00} I had an accident XX/XX/XXXX car was total out I was hit XXXX times in the rear by XXXX truck the car was total out XXXX XXXX XXXX told me to get the payoff on the car XXXX XXXX told me I owed {$17000.00} more on the car I ask them what was they talking about I had never heard that the car costed {$35000.00} XXXX XXXX gave me {$9200.00} I gave that to XXXX XXXX total I paid them {$27000.00} I also had Gap Insurance they paid them I kept the car to try to sell parts from the car I had just bought me tires XXXX  month before the accident thinking they would give me the Pinkslip to the car which they didnt I told them they could pick the car up I called XXXX XXXX XXXX they said this company XXXX XXXX had multiple lawsuits against them for overcharging Customers and XXXX XXXX also so they went out of business 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 2023-07-13 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: FL

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXXXXXX Balance : {$760.00} XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance XXXX {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$760.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$760.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00} 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 2023-07-13 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: FL

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXXXXXX Balance : {$760.00} XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance XXXX {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$760.00} XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1300.00} Medical XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$760.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with 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. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$2600.00}

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 2023-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank allowed debit card transactions to overdraw my account. The problem started on XX/XX/2023 and, since then, they have allowed 7 transactions to post causing {$110.00} in overdrafts. There are still 3 pending transactions totaling {$19.00} that will further overdraft my account. I called Citi on XX/XX/2023, and was told that Citi has a software to decide what accounts they allow to have debit card overdrafts. I'm not sure why this is their policy, but maybe since they did away with overdraft fees, they have to make money somehow. 

The purpose of a debit card is to act like a credit card. Why would a bank allow debit card overdrafts based on some arbitrary formula that is not known to the customer? It seems like a scam to me.

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 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Incorrect information reporting on credit. Incorrect days late reporting on credit report. Ever since I had a payment to reverse my account has been reporting late but Im not technically this many days late. The payment later went through for this payment in XXXX. And its still reported as late and has been occurring days since. I have extra late fees because of this information. Even after Paying {$860.00} on XX/XX/2023, {$500.00} on XX/XX/2023, {$450.00} XX/XX/2023, {$810.00} XX/XX/2023, {$300.00} XX/XX/2023 and {$550.00} XX/XX/2023. The account was never updated correctly in the amount of days late. Late fees continues to increase as a result of this.

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 2023-07-13 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: CA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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: NY

Complaint narrative:
I have provided proof of actual location disposition of the court I believe my wife opened an account under my name. I need all relevant data and contract to I may pursue damages of this fraud since you do want to let Me validate this credit report I have no proof of this debt and when I request it you say you want me to call. I am making contact now and I will not speak over the and I am a chase customer so this is a game your company is playing with cfpd to make it seem like your complayinh and attempting to resolve the issue

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 2023-07-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have provided proof of actual location disposition of the court I believe my wife opened an account under my name. I need all relevant data and contract to I may pursue damages of this fraud since you do want to let Me validate this credit report I have no proof of this debt and when I request it you say you want me to call. I am making contact now and I will not speak over the and I am a chase customer so this is a game your company is playing with cfpd to make it seem like your complayinh and attempting to resolve the issue

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 2023-07-13 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: NC

Complaint narrative:
I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13 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: CA

Complaint narrative:
they are reporting my account late for the month XXXX and this is incorrect I have been going thru a hardship due to covid-19 and had already explained this to them and the hardship department at XXXX told me this would not affect my credit. I have talked to fha who insures my home loan and they assured me that my account would remain current. 

I am in the process of refinancing my home loan and this late reporting is causing me a hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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: CA

Complaint narrative:
they are reporting my account late for the month XXXX and this is incorrect I have been going thru a hardship due to covid-19 and had already explained this to them and the hardship department at XXXX told me this would not affect my credit. I have talked to fha who insures my home loan and they assured me that my account would remain current. 

I am in the process of refinancing my home loan and this late reporting is causing me a hardship.

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 2023-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
American Express suspended my Bluebird account twice unexpectedly and leaving me without any recourse. It appears that American Express pays substandard wages to customer service representatives out of the United States who are unable to comprehend the complex banking regulations of the United States and limit the call interaction to a canned script. American Express alleged both times that I supposedly violated Section 22D from their member agreement. The first suspension was after I transferred {$55.00} from my checking account at another bank. I reported the attempted fraud from American Express to my checking account institution, prompting American Express to unblock the Bluebird account and I proceeded to inform my banking institution. During the suspension period, I investigated reviews from other customers and found that American Express suspends accounts for trivial reasons. So, after American Express restored my Bluebird account, I decided that it was best to spend the card balance immediately rather than allowing American Express to arbitrarily suspend my account again. My intuition was correct because American Express suspended my account the next day with {$0.00} remaining. It seems that prepaid cards are not strictly regulated as credit cards in the United States and American Express abuses the system.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
they are reporting my account late for the month XXXX and this is incorrect I have been going thru a hardship due to covid-19 and had already explained this to them and the hardship department at PennyMac told me this would not affect my credit. I have talked to fha who insures my home loan and they assured me that my account would remain current. I am in the process of refinancing my home loan and this late reporting is causing me a hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
In XX/XX/2022 I notified the company that i did not owe the debt that they are claiming and that i had no contract with them ( Professional Debt Mediation Inc. ) along with them violating privacy laws by using my Social Security number without permission. they never sent any letters warning me of this debt or saying that they acquired the debt or were working on behalf of the medical company ( original creditor ) to collect a debt. They did not use the required form SSA 89 with the Social Security Administration that requires that requires permission to be granted. I went ahead and paid the debt in silver shares which was approved by the Internal Revenue Service. The letter was sent out to the company in XX/XX/2022 along with copies of the appropriate tax form proving the debts were paid. they have 2 accounts open but I will submit another complaint concerning that one. This one is for {$2200.00} for this certain complaint.

Company response to consumer: Closed with explanation