vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-17 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: PA

Complaint narrative:
I contacted Transunion on XX/XX/XXXX because I have been violated of my rights by an incorrect account reporting on my credit file. Transunion said that the account that is reporting inaccurately was verified from the courthouse. I called the courthouse and they said they do not have any records on file and that they do NOT share anyones personal information to the credit reporting agencies nor do they intervene with the dispute investigation. They also sent me out a letter as verifiable proof. I called back to Transunion on XX/XX/22 to tell them that they are not doing a proper investigation of this account and they said that they are certainly verifying this from the XXXX XXXX XXXX I was transferred over to the supervisor who then confirmed that it was verified through XXXX. I told them that XXXX does not have it on their credit file and I showed verifiable proof from the dispute that I sent out in XXXX that was not properly investigated. The supervisor then said that the letter I sent in from XXXX was not something they can except because it came from a third party and that XXXX has to send an electronic file in order for them to accept it. I called XXXX and they said that they were sending out a dispute to Transunion with my new credit file. They also said that Transunion did not contact them about a dispute or an any account on my credit file. I am so upset with the progress I have received disputing this inaccurate account on my report. Transunion will not give me the right answer as to who they are verifying their information from. They are violating my consumer rights and laws by not telling the truth/false information or showing me physical proof of the verification. This is unfair practice and has become detrimental to my livelihood.

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 2022-02-17 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:
My name is XXXX XXXX, and I am submitting this complaint myself and there is no third party involved. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2022-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have the Citi Thank you account. I initiated transfer of XXXX points from my Thank you account to their partner, XXXX XXXX on XX/XX/2021. I have transfer points XXXX points prior to this and twice after XX/XX/2021 and all have no issues except this one. My account stated it is fulfilled but it does not show up on XXXX XXXX points. I called Citi Thank you and they stated XXXX XXXX didn't accept it so it will be returned to Thank you point and wait for a week. A week past, I called again and spoke with XXXX XXXX on XXXX Cse # XXXX. She states she will look into it. Nothing happened call XXXX spoke with XXXX and ask XXXX to call me back. XXXX called back XXXX XXXX and left a voice mail stating the result is we are unable to refund the points can't be cancelled or reversed once the order has been submitted. The problem is I didn't cancel the transfer or ask for reverse. Citi systems shows complete when it is not. The XXXX points is worth {$3000.00} was transferred, never got to their partner as stated and now they say too bad, it is lost. You can't just take my money or points and transfer to your partner and just say it disappear because our partner didn't take our points. I tried to called today XXXX 3 times and they just hang up. I called XXXX, XXXX and XXXX and spend a total of XXXX minutes. 
If this can't be resolved here, just provide a contact for me to serve the law suit. It will be resolve quickly and fairly.

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 2022-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have viewed my credit report and there is a charge on a collection agency named Midland Credit Management. I have called them to ask about what is it that they are charging me, the person who answered used aggressive tactics and told me not o be able to provided me with any information unless I would confirm my personal information such as full name, address, social security number, employer. Otherwise, he can not give me any information. He definitely would not give me any information until I provide him with my information to identify me. So I had to give them my information if I wanted to continue talking to him in regards to this account. 
After providing him with the information he requested to update his files he told me that his company had filed a judgement against me for the balance of {$2900.00}. He said that I had to pay or else he would take legal action. 
On my behalf this is not my account, therefore, I do not owe them the amount of {$2900.00} I filed a dispute with the XXXX credit company, then Midlands Credit management sent me a letter to my home claiming to pay on full and that the original creditor is XXXX XXXX  account No. ending on XXXX. only four last digits. 
Based on the information provided on my credit report ( which has several Social Securities that are not mine ) I believe someone has used my name or this company has the wrong information and wants to make me responsible for it. 

I would like this company to remove this charge that is not mine from my credit and my name. It is very social and economic unfair that this company " Midland Credit Management '' has the power to make me responsible only because they have legal knowledge and economic resource to add their will on my report and on my persona.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17 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: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
XX/XX/2021 dispute regarding request to remove negative reporting missed payments on a SunTrust business account auto loan, Disputes opened with XXXX, XXXX, and XXXX. The payments were not late but were reported late by SunTrust after a failure on their part to adjust the loan payment structure following covid 19 and account being affected by natural declared disaster. There has been no response from SunTrust or the XXXX credit agencies regarding this matter.

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 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In due of respect XXXX, XXXX and Transunion I like to purchase a new home in XXXX, California but because of credit reporting Agencies. 
I am having some issues because of Derogatory Remarks on my credit reports. 
1.XXXX  XXXX Services Charge off of {$11000.00} this vehicle was returned to lender and Lender Sold it in 2020. A Natural Disaster of Covid19 Pandemic/ XXXX  Financial Hardship 2XXXXXXXX XXXX XXXX  Charge Off of {$6000.00} vehicle was returned and Lender Sold it. Natural Disaster of Covid19 Pandemic/XXXX  Financial Hardship 3.XXXX. Charged Off of {$6000.00}. Natural Disaster Covid 19 Pandemic /XXXX  Financial Hardship.

Lender didn't want to agree on payment arrangement of {$7000.00} a month so they went ahead put account as Charged Off.

4XXXX XXXX XXXX XXXX  balance is Zero, 5.XXXX XXXXXXXX XXXX XXXX XXXX Balance is Zero 6.XXXX XXXX XXXX XXXX Balance is {$190.00} 7.XXXXXXXX XXXX  Balance is 300.. { Derogatory Remarks of Late Payment is not accurate as I never been late on payments.I filed complaints against Company and they Retaliate against me because of National Origin as a XXXX XXXX XXXX. 

Current Balances as of XXXX and my credit utilization is under the 26 % -21 % -Percents.. 

I am XXXX XXXX, Retired and a XXXX XXXX XXXX XXXX Veteran With Honor and Respect Always.

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 2022-02-17 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX 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 2022-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2022-02-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2022-02-17 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:
On XXXX I initiated a dispute with Equifax representative XXXX ( # XXXX ) requesting an investigation into the XXXX XXXX XXXX account being reported inaccurately on my Equifax credit report. As of XXXX, I had not recieved a response from Equifax re : my dispute and the 30 day allotment given for the investigation had passed. Because I had not recieved a response from Equifax, I took the liberty of checking my credit report to see if changes had been made based on my dispute. Upon checking my credit report, I noticed not only had there been no changes made on the account that was supposed to be investigated, the account was not even marked as disputed so it appeared as if no transaction had happened on the account at all and Equifax elected to not investigate the account I had disputed. Based on Equifax 's lack of action, I decided to send a certified letter with a return receipt requesting their method of verification and proving they actually conducted an investigation into the account I was disputing. As per the FCRA, Equifax had 15 days to respond to my letter. It has been 15 days and I still have not recieved any response from Equifax, not for my original dispute, nor for my request for their method of verification. It has now been 60 days since I initiated a dispute with Equifax and I have yet to hear back from the bureau, and the inaccurate account remains on my credit report. I do believe this is a direct violation of the FCRA and my consumer rights were violated as well. Equifax was not in compliance with federal law and I do not believe Equifax ever conducted an investigation into the dispute I initiated in XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: OH

Complaint narrative:
Fortiva retail credit card keeps reversing my payments to charge me more interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX 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 explanation
Consumer complaint received 2022-02-17 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BofA is a discriminating prejudice dishonest and XXXX bank. They'll deny you a good credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They'll put you in a high apr credit card with a low limit credit card to hurt your score. I had XXXX score and they denied me cards with lower APRs. You'll be stuck with no way of improving your score even when you're eligible for other cards. There's no other reason they'd do that if you have a good score, good income, and generally well off financially. There's a reason why people of XXXX have poor credit scores. YOU'RE DETERMINED A RISK TO THEM BECAUSE YOU'RE A MINORITY. you'll pay higher rates for everything including on cars as I was shopping for a new one. Beware of this bank. Where you bank can make a big difference for XXXX justice. BofA lost my trust and I'm ready to challenge them against denying me credit cards.

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 2022-02-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: SC

Complaint narrative:
This letter is a formal complaint against XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ). They have repeatedly violated the Fair Debt Collection Practices Act. A lot of mistakes look as if they exist within this account. Review the status, creditor, account number, and payment status.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2022-02-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2022-02-17 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I disputed unrecognized inquiries on my consumer credit report provided by equifax through a mail sent to equfax by mail on the XXXX of XX/XX/2022. Till today equifax has not responded.

Company response to consumer: Closed with explanation