vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-06 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: NC

Complaint narrative:
On XX/XX/XXXX, Equifax received my dispute about a public record that is reporting on my consumer report. Well today as of XX/XX/XXXX, I received a letter from them stating the results of their investigation. They stated the information was accurate and has was verified which I find hard to believe when I have a letter from the CFPB where XXXX who they used to verify stated they made a mistake in XX/XX/XXXX about reporting a public record that was not mine and removed it from their system. I also have a letter from the Courts verifying that they do not furnish any information to the Credit Reporting Agencies. The courts upload all of their records to a system called XXXX which only a member can access but the information is not reported to the Credit Reporting Agencies by a system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 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: NC

Complaint narrative:
My name is XXXX XXXX I have submitted disputes to Experian, XXXX, and XXXX in regard to items on my credit report i believe to be invalid, Incorrect, or outdated on XX/XX/2022. I have not heard in regard to my disputes, so I sent in another letter on XX/XX/2022, for more information in regard to my disputes and still have not heard back with the information I request for items on my credit report. I would like a immediate response in regards to the validity of the items on my 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 non-monetary relief
Consumer complaint received 2022-03-06 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: FL

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-06 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: NJ

Complaint narrative:
First off does the CFPB have any actual power because all I have done is fill these stupid reports out and get a nasty response from the credit reporting agencies and creditors directly. I want to know exactly what power the CFPB has because if I am spinning my wheels here wasting my time sending in complaint after complaint and all you people do is forward them to some not even middle management idiots. Your agency is an utter waste of taxpayer dollars and should be shut down ASAP. Having said that here it is one more XXXX  time.

I am including pdfs of everything for evidence because Equifax 's site is so screwed up it will not take uploads for documentation. I have asked the XXXX candidates to fix my report. Almost every account is reported 4 or 5 times. That is XXXX. Then you can't actually attach or upload anything because their site is XXXX UP. When you call into the " HELP CENTER '' they are about as helpful as XXXX on a bull. Off-shored and the English is barely understandable. Let 's see what the brain trust at CFPB can do this time around. I have asked EQUIFAX to update my XXXX bank account and of course, they claim to investigate which is XXXX. I fax them in documentation which they clearly use as toilet paper. So here is what I sent them, see if you can get these XXXX to fix the stupidity that is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 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: TX

Complaint narrative:
It is embarrassing to be an American with companies like XXXX XXXX XXXX XXXX ( XXXX ). I have complained for five years with Experian and XXXX because they both accessed my credit report without my permissible permission. The last two complaints, ( COMPLAINT ID XXXX & XXXX ) XXXX states the form message This complaint appears to be about the same issues as a complaint weve already processed for you. The complaint number for the complaint weve already processed for you is XXXX. This repeat complaint is now closed. There will be no further action on this complaint. Keep track of the original complaint numberXXXX you can track its status and receive the company response on your Consumer Portal or by calling us. XXXX and Experian have yet to supply the permissible permission used to access my credit report and play the people like XXXX  children. And calling XXXX is a joke like calling Experian where you either hold for 45 minutes and then are disconnected or where you talk with someone who reads a programmed screen. I have XXXX  friends who are also embarrassed for their country. XXXX treats their people like XXXX XXXX just like big companies do here.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 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: TX

Complaint narrative:
I sent a 30 day comply letter to the credit bureaus to correct the errors from my identity theft case and they kept fraudulent acounts on my credit report. they had 30 days to investigate and correct all errors and they did not meet the deadline. I sent the 30 day comply letter out on XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It is embarrassing to be an American with companies like XXXX XXXX XXXX XXXX ( XXXX ). I have complained for five years with Experian and XXXX because they both accessed my credit report without my permissible permission. The last two complaints, ( COMPLAINT ID XXXX & XXXX ) XXXX states the form message This complaint appears to be about the same issues as a complaint weve already processed for you. The complaint number for the complaint weve already processed for you is XXXX. This repeat complaint is now closed. There will be no further action on this complaint. Keep track of the original complaint XXXXso you can track its status and receive the company response on your Consumer Portal or by calling us. XXXX and Experian have yet to supply the permissible permission used to access my credit report and play the people like stupid children. And calling XXXX is a joke like calling Experian where you either hold for 45 minutes and then are disconnected or where you talk with someone who reads a programmed screen. I have Russian friends who are also embarrassed for their country. XXXX treats their people like stupid sheep just like big companies do here.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: UPGRADE, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX sent me a collection notice stating that I owe an alleged debt. In violation of 15 USC 1692 ( b ) ( 5 ) the letter was sent with a huge symbol on the envelope indicating that they are debt collector and the communication relates to the collection of a debt which exposes my personal business and also violates my right to privacy. The letter also implies that they are an attorney when they are a debt collector. Pursuant to 15 USC 1962 ( e ) ( 3 ) a debt collector may not use false representation or implication that any individual is an attorney or that any communication is from an attorney.

In response to the letter, I sent them notification that they have violated my consumer rights, I dispute this alleged debt, and I requested an audit trail of this transaction. 

On XX/XX/XXXX, I received a response letter from XXXX XXXX XXXX XXXX XXXX that stated they will continue collection efforts despite my notice of dispute and in turn, sent me several duplicate copies of loan terms, several sheets of blank paper, copies of documents that are completely undecipherable, and an incomplete bill of sale to prove they even own this debt. They did not provide me the AUDIT TRAIL I requested and in violation of 15 USC 1692g ) ( a ) ( 4 ), the statement of account provided does not tell where these charges and credits were originated or when.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 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: NC

Complaint narrative:
My name is XXXX XXXX I have submitted disputes to XXXX, Transunion, and XXXX in regard to items on my credit report i believe to be invalid, Incorrect, or outdated on XX/XX/2022. I have not heard in regard to my disputes, so I sent in another letter on XX/XX/2022, for more information in regard to my disputes and still have not heard back with the information I request for items on my credit report. I would like a immediate response in regards to the validity of the items on my 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 non-monetary relief
Consumer complaint received 2022-03-06 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: NC

Complaint narrative:
My name is XXXX XXXX I have submitted disputes to XXXX, XXXX, and Equifax in regard to items on my credit report i believe to be invalid, Incorrect, or outdated on XX/XX/2022. I have not heard in regard to my disputes, so I sent in another letter on XX/XX/2022, for more information in regard to my disputes and still have not heard back with the information I request for items on my credit report. I would like a immediate response in regards to the validity of the items on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 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: MI

Complaint narrative:
Transunion is claiming to have verified on XX/XX/2022 an item on my credit report. The problem with this claim is that upon them providing me with the contact information for the furnisher of the item ( which is XXXX XXXX ) I reached out to them directly. 

Upon reaching out to XXXX XXXX they confirmed that they have removed the item in question in compliance with the FCRA 15 U.S.C. S 1681 et seq. Due to their lack of being able to verify this item. 

Which would then make Transunions statement about verifying the item false and the reporting of the item illegal. But to be sure I was accurate in my efforts I also reached out to the party that Transunion is claiming to sometimes received information from which is the Bankruptcy Court. They to have confirmed that they do not communicate with the bureaus and have NOT verified anything. 

So it seems there is an issue with the reporting of the item XXXX XXXX XXXX MICHIGAN on my credit report as neither of the parties that Transunion claims to furnish this data agrees with their statement of verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Meade Recovery Services, LLC
State: UT

Complaint narrative:
I received dental cleaning services at XXXX XXXX XXXX XXXX. I had dental insurance through XXXX XXXX and the provider verified my insurance and advised me that it would be covered 100 percent. 

Some few weeks or months later, the provider sent me a bill. I disputed the charges because I was told that it would be covered 100 percent. If I knew that the dental services would not be covered 100 percent, I would have cancelled my appointment. 

XXXX XXXX XXXX attempted to collect payment from me and I explained to them what happened. 

They retained an attorney and filed a lawsuit and attempting to collect more that what I was told by the dental provider that I owe after the services This is just like XXXX invading XXXX and these charges are not justified

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JPMCB CARD made a hard inquiry to my XXXX credit report on XX/XX/22 and XX/XX/22. 

I have no relationship with, have not applied for any products from, and have not granted credit report authorization to Chase Bank. 

Calls to the bank on this matter went unanswered.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am a platinum member of Bank of America ( BOA ). 

I received a 1099 for interest income on my checking account ending XXXX and savings account ending in XXXX. 

But no interest for a Bond deposit transaction on the checking account which took place on XX/XX/XXXX? 

It was a XXXX Bond redemption value of {$10000.00} each at ab interest of {$7800.00} each for a total of {$31000.00} at a total interest of {$23000.00}. 

Called BOA on XX/XX/XXXX and spoke to XXXX from New York. He could not find a record of the bond deposit? 

I explained to XXXX that I had a photo copy of the bond deposit made at their branch on XXXX XXXX, XXXX XXXX, FL and further explained that at the time the deposit of {$31000.00}, was first shown on my account then a day later it was removed??. 

After phone calls at that time with BOA with BOA noting the photo copy of the transaction and adjustment was made and the amount of {$31000.00} was restored on my account. 

As XXXX checked further he did come across an adjustment made on XX/XX/XXXX of about {$30000.00} but did not confirm the exact amount of {$31000.00}? 

He then gave me a case number of XXXX and said they would be getting back in touch with me and if I did not hear back from them to give them another call, Since was getting close to Tax time, I called back on XX/XX/XXXX and got a woman on the phone. I did not have to give her the case number because she said she ha my information. She then said that the bond transaction did not show on my account? When I pressured her further she said I would not need a 1099 for that transaction which did not seem correct. She also did not seem very knowledgeable. 

At the risk of being audited and reflecting how the original transaction took place back on XX/XX/XXXX, first the {$31000.00} was on the checking account then it was removed? Then after phone calls from my XXXX daughters, who made the deposit with my wife, and myself, the {$31000.00} was restored on my account. I thought I should report this plus I believe I am going to need a1099 from BOA reflecting that {$23000.00} interest income for my taxes. 

I would appreciate your help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 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: OH

Complaint narrative:
I HAVE CONTACTED XXXX XXXX XXXX XXXXXXXX XXXX AND I REQUESTED Notice for Proof of Claim Accounts : XXXX XXXX, XXXX c/o XXXX XXXX BANK XXXX XXXX it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill , or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX made a hard inquiry to my Experian credit report on XX/XX/22 and XX/XX/22. I have no relationship with, have not applied for any products from, and have not granted credit report authorization to XXXX Bank. Calls to the bank on this matter went unanswered. 

Experian said they don't allow disputes to be made of inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: MI

Complaint narrative:
This is my third time opening this case and I will be taking cash app to court if I am not helped and refunded I got my card fraudulently used cash app refuse to refund me been calling them emailing them everyday still nothing refuse to help employee dont care rude by the way and alway give the same response will be making a class action lawsuit and I already have a list of other people they refuse to help I will be attaching my cash app and everything they refuse to help me with they just keep responding that I am not the account owner ( which I am ) they are a scam company they also closed my cash account because they refuse to help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 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: OH

Complaint narrative:
I HAVE CONTACTED XXXX XXXX XXXX  XXXX XXXX AND I REQUESTED Notice for Proof of Claim Accounts : XXXX XXXX, XXXX c/o XXXX XXXX BANK XXXX XXXX it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill , or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs.

Company response to consumer: Closed with explanation