vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-25 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: FL

Complaint narrative:
I have reached out to Experian several times in regards to this inaccurate reporting and they keep sending me letters stating account has been verified. However how can this account be verified when this is a charge-off reporting as open? This is a direct violation of my rights due to inaccurate reporting after they have supposedly conducted an investigation claiming everything is 100 % accurate. They are also reaging this account another violation of FCRA 623 ( 5 ). I demand this account be deleted immediately. It is your duty to make sure they are following the law and attached is the proof of the violations.

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 2021-06-25 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: MD

Complaint narrative:
I have contacted each bureau by certified mail to have proof of verified debt. I ahve not received any response back verifying the debt belongs to me. Here are the items : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX ( 5 accounts )

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 2021-06-25 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: TN

Complaint narrative:
On (  XX/XX/2021 ), I mailed a letter to the 3 credit bureaus to remove inquiries I didn't authorize.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete

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 2021-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: The Law Offices of Quinn M. Kofford, P.C.
State: UT

Complaint narrative:
I am the employer of the Employee who the XXXX XXXX XXXX XXXX XXXX is attempting to garnish wages. On XX/XX/XXXX they Served my employee paper work for the amount that he owes. In the paper there were documents for me as the employer to fill out and send back. I reached out to my payroll company for guidance and they told me to fill out the paper work and I would be receiving a correspondence confirm the amount to withhold, etc. About 3 months past and I didn't hear anything back. XXXX XXXX an employee at the XXXX XXXX XXXX XXXX called me at my work. She was threatening to take legal action against me as the employer if they didn't receive a payment, she threatened to sue me and put a lien on my property. I told her I sent in the paper work and was waiting for correspondence back from them. That's what my payroll company directed me to do. She said that's not right and I need to submit a payment immediately or they would take action against me. She said that they ( the lawfirm ) didn't need to give me an amount and that I was required to send 25 % of his next paycheck in. This last payroll I processed 25 % of my employees paycheck to send into them. But then i started reading some information because to me that didn't seem right to be taking that much of a paycheck for a small medical bill. As I read I see that there is the Fair Debt Collection Practices Act in place that limits how they can speak and use the threatening language. XXXX XXXX, was speaking to me about as abusive as anyone can speak to another human being. Then began to threaten me and my business, even though I took the necessary steps to contact them by sending in the documents they asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: MA

Complaint narrative:
HI CRA 's and CFPB, XXXX XXXX, XXXX, and XXXX XXXX. 

Listen, there are about 3 items listed on my credit report that i been deliberately working with both the original creditors and credit reporting agencies to validate. I've called and mailed out several verification and validation letters to them and i only get a simple pre-printed template response that it's being verified as accurate. Well, I can honestly tell you that it's not in compliance with the FCRA consumer laws because there are so many and multiple inaccuracies, inconsistent reporting, incomplete and misleading information. I even called each credit bureaus as well. This is a violation of my consumer rights and it's not in compliance and it's causing these accounts as shown in the attachment to illegally re-aged. remove them all effective today.

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 2021-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I sent letters to all XXXX XXXX, and Transunion about items on my credit report that are incorrect. Its been a month and I haven't received a response. I'm a single mother that is trying to by my family a home and this is the only thing i have left that is stopping me in the process.

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 2021-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Submitted application for Barclay 's XXXX XXXX XXXX card in Fall XXXX. Received request from Barclay 's to call in to provide information about XXXX and other business information. Called and provided all information to Barclay 's. Never heard back from Barclay 's and they pulled a hard pull on credit with no notification they had done so, what the results were ( my credit is good ), and never heard on if I was approved or denied the card. Now its XX/XX/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 2021-06-25 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: PNC Bank N.A.
State: PA

Complaint narrative:
I can not use XXXX  to sign into my bank account in apps that require it, for example XXXX and XXXX. PNC is blocking sharing my banking history and does not allow traffic to third party data-providers : XXXX  : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/XXXX, I notified Citi of fraud on my account. They issued a new card and allowed charges which included more fraud to roll onto the new card #. They admitted their error and issued me another card, which I have frozen. I have called them times out of mind regarding all the fraudulent charges made ( XXXX ). I paid the balance I owed as of XX/XX/XXXX. Citi sent me numerous requests to fill out forms stating I didnt authorize the XXXX charges. I responded immediately each time. Now, this has been going on for 2 months. Theyre requesting that I make a payment. One of their employees suggested I pay the amount due ( close to {$700.00} ) and then wait to be reimbursed when everything settles. Needless to say, I said I refuse to do that inasmuch as these are fraudulent charges. I continue to get numerous calls, letters and emails regarding the payment theyre requesting. I have never had this issue with any credit card company. I told them that I am a senior citizen, XXXX years old, and I feel Im being harassed. I stated I have been with Citi since XXXX and have always paid my balance in full and ahead of the due date. My credit score is XXXX. I am afraid that this is going to have a negative impact on my credit. All the communications were over the phone, which are supposedly recorded on their end. I have spoken with every department including customer service, disputes and fraud. Two months later, I have no resolve. I feel the public needs to know how Citi treats their clients its pitiful and harassing. I pray I can get some help through this site.

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 2021-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Law Offices of Quinn M. Kofford, P.C.
State: UT

Complaint narrative:
I was served at my workplace by the XXXX  who holds my debt. When I called the XXXX they didn't answer. When they called back they didn't identify themselves as the debt collector. The lady who called me said that they were a lawfirm and in the process of trying to sue me. She asked if they could look at my file so she could help me further. She did not tell me they were pulling anything from my medical records to use against me. But that's what she did. They did not tell me that they were asking to pull my file due to HIPPA Laws. They reached out to my employer and threatened to put a lien on his Property if he didn't submit information about payroll. He sent the information and they called him and yelled at him and threatened him again because they thought he didn't send the information even though he did. They told him and I that they would be Garnishing {$25.00} out of each paycheck but this paycheck they took out {$800.00}. They have been aggressive, deceptive and threatening. I told them multiple times I would like to work out a payment plan. They have tacked on almost {$400.00} in fees on top of the debt. I feel like they have operated outside the boundaries of ethical treatment and have crossed the line with my place of employment,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: KY

Complaint narrative:
They knew my address, email last of my sos and now bank account info XX/XX/2021 attempt to withdrawn from my XXXX XXXX  and bank

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: Paypal Holdings, Inc
State: WI

Complaint narrative:
On or around XX/XX/XXXX " permanent limitation '' was placed on my PAYPAL account which locked me out and stated that PAYPAL has mandated to hold my funds in amount of {$730.00} for 180 days. I tried to contact the Resolution Center to no avail. I called on XX/XX/XXXX and again XX/XX/XXXX. Nobody could tell me why my account was locked other than told a machine algorithm determined I am a permanent risk. There was no way for me to prove my identity, get a case opened, submit documentation or get help to resolve this problem. This is a mistake. I have had this account with absolutely no problems or issues for 20 years, since XXXX! I have committed no fraud and am a law abiding citizen and small business owner. The random action by PAYPAL has harmed my ability to conduct business. I am the sole proprietor of XXXX XXXX, XXXX XXXXXXXX ( my professional name ) and I lie awake with worry about the future. My PAYPAL and business email is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-25 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: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
I paid credit Acceptance in full and they agreed to remove it from my credit report immediately. All other reporting agencies did except XXXX. The company denies derogatory being on the paperwork but XXXX XXXX still has not fixed it after multiple reports and calls.

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 2021-06-25 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
XXXX Has sent me a document removing all negative credit reporting on my closed USAA CREDIT CARD. 
Please see attached letter from USAA LEGAL!!!!!!!!!!!!!!!!!!!!!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: FL

Complaint narrative:
On XX/XX/2021 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 im 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 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: MA

Complaint narrative:
HI CRA 's and CFPB, XXXX XXXX, XXXX, and XXXX XXXX. 

Listen, there are about 3 items listed on my credit report that i been deliberately working with both the original creditors and credit reporting agencies to validate. I've called and mailed out several verification and validation letters to them and i only get a simple pre-printed template response that it's being verified as accurate. Well, I can honestly tell you that it's not in compliance with the FCRA consumer laws because there are so many and multiple inaccuracies, inconsistent reporting, incomplete and misleading information. I even called each credit bureaus as well. This is a violation of my consumer rights and it's not in compliance and it's causing these accounts as shown in the attachment to illegally re-aged. remove them all effective today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXX  and I do not have a contract with RADIUS GLOBAL SOLUTION plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$52.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: NY

Complaint narrative:
Experian continues to report inaccurate items on my credit report. I have been disputing these items since early XXXX with no success. These items could not be verified or validated by the creditors. Previous CFPB complaints ( 6 complaints total ) were closed without any investigations or removals of these items, claiming these complaints are not from me. No documentation supporting the items remaining on my credit file were provided. On XX/XX/XXXX, my attorney, XXXX XXXX, XXXX. with XXXX XXXX XXXX XXXX XXXX, submitted a letter for the removal of these incorrect items. No response from Experian. A follow-up letter was submitted by Attorney XXXX on XX/XX/XXXX. As of today, Friday, XX/XX/XXXX, Experian HAS NOT responded to the follow-up letter either. 

The incorrect items are : XXXX XXXX XXXX ( 3 prior CFPB complaints filed for Experian attached ) Account Number XXXX Account Opened : XX/XX/XXXX Account Charged Off. 

XXXX XXXX ( 2 prior CFPB complaints filed for Experian attached ) Account Number : XXXX Account Opened : XX/XX/XXXX Account Charged Off XXXX BANK ( 2 prior CFPB complaints filed for Experian attached ) Account Number : XXXX Account Opened : XX/XX/XXXX Account Charged Off XXXX XXXX ( 2 prior CFPB complaints filed for Experian attached ) Account Number : XXXX Account Opened : XX/XX/XXXX Account Charged Off XXXX XXXX XXXX XXXX ( 2 prior CFPB complaints for Experian attached ) Account Number : XXXX Account Opened : XX/XX/XXXX Account Charged Off I am requesting that Experian remove these 5 incorrect items from my credit file per the FCRA.

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 2021-06-25 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: LA

Complaint narrative:
I paid XXXX XXXX in full and they agreed to remove it from my credit report immediately. All other reporting agencies did except Transunion. The company denies derogatory being on the paperwork but trans union still has not fixed it after multiple reports and calls.

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 2021-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
This is a formal complaint that I am reporting inaccurate and incomplete credit information. 

I opened a Citi Bank Mastercard in XXXX while I was young. I maxed out my card and was in debt with this for years and interest fees kept accruing. I paid well over $ XXXX for a {$2500.00} limit card. After this difficult time, the card was charged off later in XXXX. After communicating with Citibank, I was offered to pay off the entire amount of the card for the debt to be closed and removed from my credit report. 

I paid Citi Bank for the ENTIRE debt and the account remains on my credit report today. Citi Bank is reporting over 7 months of missed payments in a row, causing major harm to my credit reports ... AFTER the card was completely paid off. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
This information needs to be re-investigated. I respectfully request to be provided proof of this account, specifically the contract, note or other instrument bearing my signature.

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