vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-27 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:
SinceXX/XX/2020 i have been reaching out to TransUnion. 

To begin with my personal information section is incorrect. My employment, phone number, address, and alias are all incorrect. 

The investigation results i receive back from TransUnion are always " verified '' as accurate. None of the requested information to deem these accounts as " accurate have been provided '' This is against the FCRA sec 314. 

TransUnion is using my personal information section to verify these accounts, when it's inaccurate therefore all the investigations conducted are inaccurate and these accounts must be removed by law. 

TransUnion violated TILA by reporting the improper disclosure of the amount financed, finance charge, payment schedule, total of payments, annual percentage rate, and security interest disclosures.

TransUnion violated the FCPDA attempting to collect more than what is owed. In addition TransUnion is threatening a lawsuit with one of the accounts when I have no intent to sue. 

TransUnion violated the FDIC by not reporting accurate information on my credit report. 


How does TransUnion get away with this type of behavior. I have certified to TransUnion that these accounts do not belong to me. 

It has now been over six months, still same answers from TransUnion. 
To be fair I did receive account statements from XXXX XXXX, but the statements had a different family members name on them. Also account statements are not legal proof of verification so you failed there. In addition, the statements had amounts on them with accumulated interest which is against TILA. 

I have been denied a home loan because of your failure to comply with the law and delete anything that is not 100 % accurate or verifiable. 

Who is verifying this information? I don't get it how can i go back and fourth for six months and nothing has happened. We are in a standstill.

I don't want to wait 30 more days, i have waited six months. There is nothing to investigate if the information does not match why are you reporting it? 

I have copies of over 30 dispute results from TransUnion showing " updated '' " verified as accurate '' without having anything to show for. How does this happen? 

I just don't understand who is running this nonsense? How has this been going on for six months and you have not followed the law? 

Everything used during the dispute process and complaint process will be used against TransUnion in the small county court if you fail to remove the incorrect, inaccurate, unverified information from my report this instance. This has gone on for way too long and it's time to take this to the next step.

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 2021-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
My account opening was denied because of unfavorable debit history. Ally used check system, where they said i have a score of XXXX. However, when i obtained the score from check system, it was XXXX. There is no negative information on my account.

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 2021-03-27 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: TX

Complaint narrative:
This Credit Reporting Agency has continues to show little to know respect for the law.0n XX/XX/XXXX I filed a complaint with your organization requesting that Equifax be in compliance ( file number XXXX ) Equifax requested that I send identification info, I provided them with this info on 4 separate occasions and when they finally responded they ask for the same info again. So on XX/XX/XXXX I sent Equifax another compliance letter with the requested info and on XX/XX/XXXX I receive another request for the same info, The continue to use stall tactics and report inaccurate information on my report.The also have refused to send me an current and up to date credit file,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 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: I.C. System, Inc.
State: TX

Complaint narrative:
I've tried disputing this account via credit bureaus multiple times due to incorrect balance showing, however they have failed to update the information. I want this collection account removed as they are not reporting correct 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 2021-03-27 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

Complaint narrative:
Hello there, paypal closed my account and didn't give me the reason. Exept that I allegaly broke their rules. The only thing I'm selling is XXXX  for XXXX  I've read through their User agreement and it doesn't say that I can't sell that anywhere. My reaputation is also very good with 21 total feedbacks which 19 were positive. I assume this needs to be a mistake on paypals end. I sent them a mail regarding this but I've still not recived a response from them 2 days later. XXXX Mail sent XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
The credit card has been closed since XX/XX/XXXX. The remaining balance has been paid. This closed account has remained on my account for almost 10 years. Its been paid in full since XXXX. Ive experienced several hardships from the time the account was open until the account was closed. Ive requested to have it removed as there no longer is a balance and it is hurting my report. During the time the account fell delinquent I was unemployed and also facing other hardships so I was unable to make payments to this account.

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 2021-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
First I closed my checking and savings account with Citibank in XX/XX/2021 due to Citibank false promise to me. When i closed, both accounts had positive balance. Citi issued me a check for the balance. Then a couple of weeks later, Citi decided to reverse all the disputes in the past and created a negative balance on my account. Each week, they added {$300.00} in negative balance. After a month, I suddenly owe Citi more than {$1000.00} in debt. They called every morning including weekend at XXXX asking me to pay or they would report my account to credit monitoring agencies. They should have not let me close the account if they thought I still owed them money. Otherwise, if they issued me a refund on my account, why suddenly changed their mind and reverse past dispute transactions that occurred 6 months ago. This is a tactic to try to rip off customers ' money when Citi knew they could not maintain a banking relationship due to their false promises.

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 2021-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to turn you in to immigration or deport you
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I've never felt more scared they come banging on my front door they call me nonstop even showed up at my place of work I've never had any business with them please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-27 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: Chime Financial Inc
State: FL

Complaint narrative:
Chime/XXXX Bank XXXX Opened a fraudulent account on XX/XX/21 for over XXXX. Reported to XXXX on XX/XX/21. 
XXXX Bank representative stated there are many fraudulent accounts opened through Chime and the this type incident happens often. 
Company allowed fraudulent account to be opened, then reported to XXXX 
I Called Customer Support to fix identity theft XXXX.They report no account with my Social Security number and/or my name. 
They refused to write a letter to state that fact and-asked me to email to fix it myself. 
Taking 0 responsibility for opening a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 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: I.C. System, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the XXXX Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX XXXX  I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank 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 2021-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The following fraudulent accounts are being reported to my credit reports : XXXX XXXX Bank XXXX XXXX XXXX Acct # XXXX - amount {$300.00}. 
XXXX XXXX - Acct # XXXX -Amount {$540.00}. 
XXXX XXXX XXXX XXXX XXXX # XXXX Amount {$80.00}. 

I am a victim of identity theft and I am not responsible for these above-stated 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 non-monetary relief
Consumer complaint received 2021-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF THE WEST
State: TX

Complaint narrative:
Paid Bank of the West, XXXX, California the amount of {$16000.00} ( by check ) to pay off an RV loan on XX/XX/XXXX. After waiting for 3 weeks for the paper title, contacted the Texas Department of Motor Vehicles ( Texas DMV ). Was told the lien still existed on the loan. Contacted Bank of the West and was informed the electronic release had been submitted on XX/XX/XXXX. After multiple conversations back and forth between the bank and the Texas DMV on a weekly basis between XX/XX/XXXX - XX/XX/XXXX, I still have not received the paper title for the vehicle after waiting 8 weeks since the loan was paid. I have twice escalated the issue to a supervisor at Bank of the West but no progress has been made to provide the electronic release of lien. Bank of the West indicates this is an issue with their 3rd party company that handles their e-titles but have been unable to resolve the problem. Each time I have contacted Bank of the West, the hold time for customer service is between 30 minutes and one hour and 13 minutes. These hold times are unacceptable.

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 2021-03-27 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
The attached disputes indicating several incorrect addresses are appearing on my Experian report have been sent to Experian via U.S. mail. Both times, I was notified ONLY via email from Experian 's online portal that my investigation results were ready. In both instances Experian has REFUSED to rectify the incorrectly reported 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 2021-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
Company is trying to collect on time barred debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pressler & Pressler, LLP
State: NY

Complaint narrative:
Was not notified of any court action against me. Then threatened with contempt if I didnt reply to order when received notification after six days of statement received. Leaving me two days to have response received by creditor. Would request that court fees and their fees be dropped due to illegal actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like I am being taken advantage of and is being ignored regarding my disputes. Section 611 ( a ), its plainly stated that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report it has been over 45 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 Equifax data breach and may have got into the hand of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 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: EQUIFAX, INC.
State: IA

Complaint narrative:
The attached disputes indicating several incorrect addresses are appearing on my Equifax report have been sent to Equifax via U.S. mail. Both times, I was never notified of any investigation results from Equifax. It would appear in both instances that Equifax has REFUSED to rectify the incorrectly reported information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 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: NY

Complaint narrative:
The following fraudulent accounts are being reported to my credit reports : 1- XXXX XXXX  XXXX XXXX XXXX Acct # XXXX - amount {$300.00}. 
2- XXXX - Acct # XXXX -Amount {$540.00}. 
3- XXXX XXXXXXXX XXXX XXXXAcct # XXXX Amount {$80.00}. 

I am a victim of identity theft and I am not responsible for these above-stated 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 2021-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: FL

Complaint narrative:
requested assistance for a first time homebuyer down payment assistance mortgage after taking an 8 hour course for consideration and was told by XXXX XXXX XXXX Branch Manager NMLS # XXXX that she would complete my application over the weekend on XX/XX/2021 XXXX. after weekend had past no communication by XXXX. After informing XXXX I was shopping around for lenders she advised against it for impact to credit. Have not heard from XXXX since then. She goes as far as to say that she has Covid to imply that it has left her incapacitated to assist in completing an application.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I currently have a credit card from " Barclaycard, Visa ''. On XX/XX/XXXX. 2021, I paid the account balance of {$1000.00}, which is what showed was due " on line '' and the automated system, that was confirmed with the representative. The amount was paid and posted on this same day. On XX/XX/2021 ; I found another charge of {$18.00}. I called the company and spoke to XXXX. I inquired about the charges and why the available balance had been dropped and continues to drop despite my high credit score? 

I am completely concerned about this company and their ethical business practices. I am a person who pays my bills on time or before they are due. Whenever I have paid the balance off, the next day or before the next bill is due on the XXXX of every month, I find this company has yet another charge on the account. When contacting the company to inquire why this continues to happen? I am given the excuses of it's the " Interest '' that was not paid. I asked them how can that be, if I paid off the account before the due date? I was given an excuse " because the interest is not added until after the billing cycle due date. I paid this bill in full the day before it was due, I inquired where Did they get the amount of money to charge yet another charge of {$18.00} on the next day, the day the payment was due? Then they will use the excuse that the Interest rate is based on the APR ( which I currently have a high score ). When I asked why my available balance had been dropped? I was told it was based on my APR and how much I currently owed before I paid them off. I have always paid my bill balance or requested payment by or on or before the due dates. I believe this is just another way for this company to STEAL from their customers. 
When I asked the Rep/XXXX, where the main office was, I was told it was in the UK. I asked about the address, I was told to look it up. 
Companies that continue to do business in this manner, I feel are allowed to RIP off their customers who work hard to pay their bills. At this point I am concerned as to how many more people are being ripped off? I am filing a complaint based on Unethical and Unlawful business practices '. I not only want them investigate but charged for the crimes, these companies are allow to continue to do to their customers who continue to pay their bills on time.

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 2021-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This Collection Agency continues to report an account on my credit report even though it have not establish that I owe this debt.It have continued to ignore my compliance letters, For the record I have never had an account or a contract with this Agency, Therefore Im requesting that they remove any negative accounts they have in their offices from all of my credit reports,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Was not notified of any court action against me. Then threatened with contempt if I didnt reply to order when received notification after six days of statement received. Leaving me two days to have response received by creditor. Would request that court fees and their fees be dropped due to illegal actions.

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 2021-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I was " joint '' on an authorized user on an account that was my husbands. The account was included in his bankruptcy which should mean it is not on my credit because i did not file nor was i the responsible party. Experian refused to remove the inaccurate 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