vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-21 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: FL

Complaint narrative:
I have been trying diligently overtime to payoff debt and clear derogatory items on credit. XXXX and XXXX make sense and reporting fairly. However transunion is a continuous let down and when I called to speak a rep XX/XX/XXXX, she was rude and too disrespectful! 
In XXXX I paid off 3 medical collection accounts. I couldn't pay 1 off because there is no contact for this company. Transunion dropped XXXX points on XX/XX/XXXX and another XXXX points on XX/XX/XXXX were derogatory items were lifted. This month ( XXXX ), many credit card items were paid off / down, while all scores increased, transunion AGAIN dropped XXXX points for paying off thousands in credit card debt. Please be mindful when I check the reason for credit score decrease, transunion says score decreased because of debt payoff. Please explain to me what sense does that make if any???? 
I do need someone to validate this information because I am strongly convinced that the negative reporting is incorrect and transunion is only around to damage a persons credibility. I am SO THANKFUL that banks I used DON '' T use transunion for anything! Otherwise I would be so screwed!

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 2022-03-22 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: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
A lot of inquirers that are not approved by me, I worked for a company that had a data breach and was told information was compromised. Asking to have these items deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian Data Breech No response. 
My personal email is constantly being hacked since Experian was breeched a long time ago. 
I am constantly getting robots and recorded messages. 
I have tried and tried to contact Experian. 
They offer no help and no recourse for their security breech issues. 
They will not talk to you on the phone. Experian has no options for security breech issues. 
I need some answers and there in no response for their security issues!/ I am constantly fighting off fraud alerts from my bank. 
The fraud attempts are less then they used to be. It all started when signed up for Experian Credit Monitoring services. 
What can I do to get a response or resolution form Experian?

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 2022-03-21 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: TX

Complaint narrative:
I have filed a dispute in regards to incorrect items on my report that has taken well over 30 days and I haven't received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: LA

Complaint narrative:
Hi i have tried numerous times to submit disputes about my credit reports. I have done a rehabilitation for my school loans to get them out of default and in good standing. The credit reporting bureaus equifax and XXXX are still reporting these old accounts as delinquent amd they are not. The old accounts are still showing negative information on my credit report. I have done dispute after dispute with no results. The credit bureaus equifax and XXXX have 6 duplicate accounts showing on my report these accounts are copies of the updated records that were reported on XX/XX/21. I have explained this to them over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America makes it nearly impossible to close a credit card. Every service offered by BOA has an electronic option via website or APP except for 'closing an account '. BOA forces a consumer to wait for hours on hold on the phone to close an account. This makes no sense when all other services are offered electronically. It's obvious that BOA makes it nearly impossible to close accounts for a reason - that is to encourage more consumer spending. Additionally, once an account is requested to be closed, BOA will NOT provide electronic communication to a customer confirming that the account is closed. Despite BOA 's endorsement of 'Paperless Correspondence ' AND and customer 's request for 'Paperless Correspondence ', BOA does not have the option to confirm electronically that an account is closed. So basically, once a consumer spends hours on hold waiting to speak with a customer service rep to close an account, and once that account is requested to be closed, the customer then has to rely on USPS mail to deliver a confirmation letter that the account is in fact 'closed '.

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 2022-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION
State: PA

Complaint narrative:
Amerisave Mortgage company is the current servicer of my home mortgage 's escrow account. On XX/XX/2021 I received a letter from my County that a real estate tax bill was not paid. I have reached out to Amerisave multiple times through both their call center and customer support email address to figure out when they can make the payment, for that I received no feedbacks. 

As of today, this unpaid real estate tax bill is in collection process and if not addressed properly my property will be put on auction.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: GA

Complaint narrative:
XXXX XXXX {$650.00} Closed Unknown payment history Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving account Balance on XX/XX/XXXX Credit Limit {$650.00} {$550.00} Payment Info Status Charged off as bad debt Status date XX/XX/XXXX Past due amount {$650.00} Highest balance $ XXXX  Monthly payment - Late payments - No payments have been reported on this account. 
Additional info Responsibility Individual account Terms - Company sold - Original creditor - Account currently reporting monthly

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 2022-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmerAssist A/R Solutions, Inc.
State: TX

Complaint narrative:
Amerassist - smile direct club has been reporting on my credit for over two years now as of todays date. I have reached out to the company in the month of XX/XX/XXXX, XX/XX/XXXX in order to receive notification of this debt and its validation being that I am unaware of it.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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 disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-03-21 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:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 
This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-03-21 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: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
On XXXX XXXX XXXX and XXXX XX/XX/2021 the mortgage company Mr. Cooper, requested a copy of my credit report with my consent or permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Coinbase, Inc.
State: FL

Complaint narrative:
coinbase is a complete scam. you can see tens of thousands of negative reviews on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and more. 

They illegally charge hidden fees. They falsely advertise many features. They violate Reg E when you have fraud, lie about providing provisional credit but never applying, they ignore all calls and emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: TX

Complaint narrative:
Hello so on [ date ] I mailed a letter regarding inaccurate and unverified 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 ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by XXXX and the XXXX data breach and may have gotten into the wrong hands.

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 2022-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I have zero knowledge of this account it does not belong to me is 100 % fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
this information is incorrect on my credit report, XXXX XXXX XX/XX/22 XXXX XX/XX/22 these inaccurate inquiries are hindering me from my current mortage approval i am asking that you remove it ASAP I HAVE NO CLUE OF THIS 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 explanation
Consumer complaint received 2022-03-21 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: IL

Complaint narrative:
This company is breaking the consumer law with their improper use of my report.

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 2022-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This company is breaking the consumer law with their improper use of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I went on vacation to XXXX XXXX I was conned into watching and listening to a timeshare presentation the woman lied and said timeshares had changed and I could use my new XXXX anytime I wanted and it basically I could live there and thats what I thought that I was signing which was an inaccurate and I have a copy of the contract and this is not what I agreed to and I will never pay them any money they conned me and took advantage of a person with a XXXX on my vacation

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 2022-03-21 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: VA

Complaint narrative:
Unfortunately, I am having many unfavorable experiences with your credit reporting agencies. After informing your credit bureau of the unlawful, inaccuracies listed on my credit report, they have failed to provide a reasonable update on the status of my requests. I am currently in the home buying process and this has an extreme negative impact on my life and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
A checking account was opened in my name and I never received any correspondence from Wells Fargo. The account was closed after 90 days of inactivity. A fraud report was opened and the account was closed.

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 2022-03-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I applied for a joint account on XX/XX/2021 with Wells Fargo for a line of credit. The account was approved but the account is not showing on my credit reports, only the hard inquiry. I have contacted Wells Fargo multiple times but have been told the account has been reported to the bureaus, only to later get a letter in the mail stating that I need to contact the credit bureaus as they are the ones who are refusing to display this account on my credit reports. I contacted XXXX and XXXX ( the 2 bureaus that the account is reporting to for my joint account holder ) and was told by both that they report what is reported to them by the lender, and that they don't just refuse to report accounts. They both stated they have not received any account information from Wells Fargo to report. 
I have contacted Wells Fargo to update them on what the credit bureaus said and was told there is no reason this account shouldn't be reporting to the credit bureaus, and to contact the credit bureaus for resolution. 
This has been ongoing for months. I have a hard inquiry on my credit report indicating that Wells Fargo obviously has the information needed to report the account. I was approved for the line of credit, used the account, had excellent pay history, and have since paid off the loan. This remains an open and available line of credit and I need it displayed as such on my credit reports. I have been unable to get any help with this matter and am escalating this to you.

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 2022-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: C/C Financial
State: TX

Complaint narrative:
I have reached out to this company numerous times about my identity theft as a result an account was open with this company that I did not authorize or have any knowledge of until recently but I disputed this with the company directly and they haven't taken it completely off of my credit profile yet it needs to be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: TX

Complaint narrative:
Hello so on [ date ] I mailed a letter regarding inaccurate and unverified 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 ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by Equifax and the XXXX data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: TX

Complaint narrative:
Hello so on [ date ] I mailed a letter regarding inaccurate and unverified 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 ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by XXXX and the XXXX data breach and may have gotten into the wrong hands.

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 2022-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: NV

Complaint narrative:
Chime Banking companies, they locked you account with money in it and they won't help you login back in your account. They will pretend that they don't know what going on with your account when you tell them that you can't login your account. They a fraud.

Company response to consumer: Closed with explanation