vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: ID

Complaint narrative:
I've tried calling to figure out why I owe this debt and attempted to get more detail on to why I've been told I owe this money. I've sent certified mail to Credit Collection Services and haven't received or heard anything back from them since I've sent a debt verification letter over a month ago.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 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:
Investigation took more than 30 days and nothing was changed when clearly there are misleading incorrect information and inaccuracies on my XXXX XXXX credit report.. attached is the evidence clearly supporting that!! Only a blind person won't see it!! STOP VIOLATING MY RIGHTS AND DELETE IT IMMEDIATELY!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 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:
Investigation took more than XXXX days and nothing was changed when clearly there are misleading information and inaccuracies on my XXXX XXXX CREDIT REPORT that violates my rights .... attached is a copy of that report... THE EVIDENCE IS IN BLACK AND WHITE!! STOP VIOLATING MY RIGHTS AND DELETE IT IMMEDIATELY!!

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 2022-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Transunion continues to report a bankruptcy on my credit report and has stated that it is verified even though they are verifying the status through XXXX. XXXX advised that the bankruptcy reported has been removed from my credit report since XX/XX/XXXX but Transunion continues to report it. Transunion advised that they have not used XXXX since XX/XX/XXXX but continues to report false information given to them by XXXX. The New Jersey XXXX XXXX does not verify any information relating to consumer reports with credit reporting agencies. Transunion is reporting Inaccurate information on my consumer credit Report. This has caused damages and is a violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq., as amended. Transunion has been reporting derogatory and inaccurate statements and information relating to my credit history to third parties ( the inaccurate information ). The inaccurate information includes, but is not limited to, a public record judgment/bankruptcy. The inaccurate information negatively reflects upon my credit history which is preventing me from obtaining proper housing, etc. It is affecting my character and representation of being financially responsible as a debtor and credit worthiness. Transunion has been reporting the inaccurate information through the issuance of false and inaccurate credit information and consumer credit reports that they have disseminated to various persons and credit grantors, both known and unknown.

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 2022-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. states, I have the right to privacy.

15 U.S.C 1681 Section 604 A.Section 2 it also states a consumer reporting agency can not furnish a account without my written instruction.

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 2022-11-13 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:
Investigation took more than 30 days and nothing was changed when clearly there are misleading information and inaccuracies on my XXXX XXXX CREDIT REPORT that violates my rights .... attached is a copy of that report... THE EVIDENCE IS IN BLACK AND WHITE!! STOP VIOLATING MY RIGHTS AND DELETE IT IMMEDIATELY!!

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 2022-11-13 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: TX

Complaint narrative:
It's been over 30 days and the creditor has not updated the information nor provide proof or documentation in regard to a late payment. They have not supplied this information and they must delete the alleged late payment on my credit report. Under federal law, they had 30 days to complete the investigation and by failing to do so, the items must be deleted from the report as soon as possible.

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 2022-11-13 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:
Investigation took more than 30 days and nothing was changed when clearly there are misleading information and inaccuracies on my kikoff credit report ... attached are my credit report from XXXX XXXX  account.. showing those inaccuracies!! STOP VIOLATING MY RIGHTS AND DELETE IT IMMEDIATELY!!

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 2022-11-13 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:
Investigation took more than 30 days and nothing was changed when clearly there are misleading information and inaccuracies on my XXXX  credit report ... attached are my credit report from 2 XXXX  account.. showing those inaccuracies!! STOP VIOLATING MY RIGHTS AND DELETE IT IMMEDIATELY!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 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:
Investigation took more than 30 days and nothing was changed when clearly there are misleading information and inaccuracies on my XXXX  credit report ... attached are my credit report from 2 XXXX  account.. showing those inaccuracies!! STOP VIOLATING MY RIGHTS AND DELETE IT IMMEDIATELY!!

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 2022-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: KS

Complaint narrative:
Money taking from all my accounts and some of them I didn't even make so I don't no we're to start

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 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: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: MI

Complaint narrative:
Enhanced Recovery Collection Agency has not verified the debt in question with the original creditor XXXX XXXX XXXX I have never had an account with XXXX XXXX XXXX and have not received proper verification of this debt being mines. Enhanced Recovery has failed to properly validate the debt with a previous dispute stating not enough information was provided to open a dispute. My contact information social security number and address was all provided in the letter which is more than enough to open a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 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: Duvera Billing Services, LLC
State: WI

Complaint narrative:
I have disputed inaccurate credit reporting several times. 

I disputed both via phone and dispute center portal : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Etc. 

I have information the credit reporting agency that a CLOSED account is being reported as OPEN & LATE and as a result re-damaging my credit. The account was reported as XXXX. I feel like the change in reporting status is due to me asking the debt collection department to verify the debt. Since they couldnt they began reporting it inaccurately to retaliate against me. If it was reported as Charged Off in XXXX how could is possibly now be considered XXXX in XXXX. Since the debt couldnt be validate it should have been deleted completely. I requested the original paperwork with my signature and had not received it. Etc. Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc.
State: FL

Complaint narrative:
I was scammed by a debit card companys own client same bank, person whom has same bank and card. For product that I did not receive and have documentation that client closed account right after transaction/Transfer. 
Contacted Cashapp XXXX told them a customer of theirs whichs shows account opened in XXXX I sent money for a product not received and person closed account and no answer right afterwards. Understand funds are instant but should screen their clients/customer are authenticate if any fraudulent account was open a month ago I would understand but XXXX yrs open and they cant retrieve my funds is unacceptable.I have attached files for reference

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Transunion continues to report a bankruptcy on my credit report and has stated that it is verified even though they are verifying the status through XXXX. XXXX advised that the bankruptcy reported has been removed from my credit report since XX/XX/XXXX but Transunion continues to report it. Transunion advised that they have not used XXXX since XX/XX/XXXX but continues to report false information given to them by XXXX. The XXXX XXXX  XXXX XXXX does not verify any information relating to consumer reports with credit reporting agencies. Transunion is reporting Inaccurate information on my consumer credit Report. This has caused damages and is a violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq., as amended. Transunion has been reporting derogatory and inaccurate statements and information relating to my credit history to third parties ( the inaccurate information ). The inaccurate information includes, but is not limited to, a public record judgment/bankruptcy. The inaccurate information negatively reflects upon my credit history which is preventing me from obtaining proper housing, etc. It is affecting my character and representation of being financially responsible as a debtor and credit worthiness. Transunion has been reporting the inaccurate information through the issuance of false and inaccurate credit information and consumer credit reports that they have disseminated to various persons and credit grantors, both known and unknown.

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 2022-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Transunion continues to report a bankruptcy on my credit report and has stated that it is verified even though they are verifying the status through XXXX. XXXX advised that the bankruptcy reported has been removed from my credit report since XX/XX/XXXX but Transunion continues to report it. Transunion advised that they have not used XXXX since XX/XX/XXXX but continues to report false information given to them by XXXX. XXXX XXXX XXXX XXXXXXXX XXXX does not verify any information relating to consumer reports with credit reporting agencies. Transunion is reporting Inaccurate information on my consumer credit Report. This has caused damages and is a violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq., as amended. Transunion has been reporting derogatory and inaccurate statements and information relating to my credit history to third parties ( the inaccurate information ). The inaccurate information includes, but is not limited to, a public record judgment/bankruptcy. The inaccurate information negatively reflects upon my credit history which is preventing me from obtaining proper housing, etc. It is affecting my character and representation of being financially responsible as a debtor and credit worthiness. Transunion has been reporting the inaccurate information through the issuance of false and inaccurate credit information and consumer credit reports that they have disseminated to various persons and credit grantors, both known and unknown.

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 2022-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
I opened up a card with AMEX Delta SkyMiles on XX/XX/XXXX. The promotion was for a {$400.00} credit plus XXXX SkyMiles if I made {$2000.00} in purchases within the first 3 months ( offer ID POID XXXX ). I opened the card through Delta 's website as I was purchasing tickets for an upcoming trip. After completing the application process and getting the account approved, I purchased the tickets which exceeded the {$2000.00} limit. However, after the purchase, I learned that someone switched the offer to provide XXXX XXXX and no credit. I immediately called on XX/XX/XXXX to asked why there was a " bait and switch '' with the promotional offer. They said they would take my complaint and get me an answer. No reasonable answer has been forthcoming. 

I have since been using the card and not a single XXXX has been credited to my account, not even for purchases. I have made over XXXX calls to customer service with each call resulting in a different excuse. The last excuse was that everything would be resolved by XX/XX/XXXX, which is the end of the billing cycle ( which would be XXXX billing cycle since I was approved for the card ). On XX/XX/XXXX, I called again and received a new excuse. Now, the excuse is that it takes XXXX - XXXX weeks to resolve the complaint I made on XX/XX/XXXX. I'm sure if I wait another XXXX weeks I will receive another new excuse- which will be that it takes XXXX - XXXX weeks to resolve a complaint. This is classic " bait and switch. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
My niece sent me {$80.00} via XXXX XXXX. I don't have XXXX XXXX. I don't want to open an XXXX XXXX account. I want the funds reversed back to my niece 's TD Bank account. 

Both XXXX and TD Bank are pointing fingers at each other. They are putting the owners on me to open an account that I don't want. The should have a control where funds reverse back to sender.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 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: U.S. BANCORP
State: DC

Complaint narrative:
I received a letter in the mail dated XX/XX/2022, with a reference ID of XXXX indicating Elan Financial Services pulled my credit report ( on XX/XX/2022 ) without being able to verify my identity, that is, without my explicit permission nor having any other permissible purpose to do so. A copy of an example of a recent illegitimate hard inquiry performed by Elan Financial ( on XX/XX/2022 ) is attached for your reference.

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 2022-11-13 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: WI

Complaint narrative:
I have disputed inaccurate credit reporting several times. 

I disputed both via phone and dispute center portal : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Etc. 

I have information the credit reporting agency that a CLOSED account is being reported as XXXX & XXXX and as a result re-damaging my credit. The account was reported as XXXX. I feel like the change in reporting status is due to me asking the debt collection department to verify the debt. Since they couldnt they began reporting it inaccurately to retaliate against me. If it was reported as XXXX XXXX in XXXX how could is possibly now be considered XXXX in XXXX. Since the debt couldnt be validate it should have been deleted completely. I requested the original paperwork with my signature and had not received it. Etc. 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 2022-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mortgage Lenders Investment Trading Corp
State: FL

Complaint narrative:
XXXX RP Funding responded to my original complaint stating that flood zones change and the property has been deemed to be in a non flood zone. Since the structure is not effected and not located in the flood plain, the decision was made to cancel the flood insurance requirement and/or any force placed coverage. 
XXXX I called RP Funding inquiring about the escrow account not being credited for the {$2400.00} since the property is no longer required to have flood insurance. The response was that the FEMA maps that they acquired days prior was for the current flood insurance requirement. I asked if they had looked at the FEMA maps that had been provided via snail mail, email and FAX by myself, XXXX XXXX and XXXX XXXX with XXXX XXXX XXXX. XXXX, in the insurance department stated that it is my responsibility to provide them with the FEMA maps that would have been in effect from XXXX. I went to the FEMA website and obtained the maps that RP Funding demanded I provide to get the forced-placed flood insurance policy refunded. In my research the flood map for my property has not changed since XXXX. Therefore the maps acquired are the same maps that they have which should be in my file numerous times and a copy was even included at the time of closing. 
XXXX I composed a letter expressing and detailing what I am making a formal complaint about now. I submitted FEMA maps both by email and FAX.

Company response to consumer: Closed with explanation