vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The date of last activity reporting on this account is inaccurate. It's reporting that the date of last activity os XX/XX/XXXX ( XXXX  ) and XX/XX/XXXX ( Equifax ). From my understanding the date of last activity is a date which the account last updated. Why is there a gap of 5 years between Equifax and XXXX. From my understanding I have a right to fair, complete, and 100 % accurate reporting which can not be the case if one account has been updated as of recent and the other account has not. I also made the credit bureau 's aware of this previous to this new update and nothing happened. The account information remained verified despite the fact that I used information that came directly from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have spent almost 50 hours trying to resolve this its extremely frustrating and outrageous. I had an XXXX credit card, I made a purchase back in 2016 for a hair dryer and the cashier was new and accidentally charged me twice for the hair dryer. They assured me that they removed the charge however they DID NOT! This mistake has snowballed into this never ending nightmare which has really had bad effects on my credit report and is now a massive bill in collections even though XXXX has admitted to me on recorded line that they pulled up the transaction and it was a billing error on their end. They said that although it was there fault that they could not do anything to repair the damage because they were not connected to the credit card company! So Im caught in the middle of two corporations and I am getting bullied basically. Its really so frustrating

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 2021-06-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have spent almost 50 hours trying to resolve this its extremely frustrating and outrageous. I had an XXXX credit card, I made a purchase back in 2016 for a hair dryer and the cashier was new and accidentally charged me twice for the hair dryer. They assured me that they removed the charge however they DID NOT! This mistake has snowballed into this never ending nightmare which has really had bad effects on my credit report and is now a massive bill in collections even though XXXX has admitted to me on recorded line that they pulled up the transaction and it was a billing error on their end. They said that although it was there fault that they could not do anything to repair the damage because they were not connected to the credit card company! So Im caught in the middle of two corporations and I am getting bullied basically. Its really so frustrating

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: CA

Complaint narrative:
I have spent almost 50 hours trying to resolve this its extremely frustrating and outrageous. I had an XXXX credit card, I made a purchase back in 2016 for a hair dryer and the cashier was new and accidentally charged me twice for the hair dryer. They assured me that they removed the charge however they DID NOT! This mistake has snowballed into this never ending nightmare which has really had bad effects on my credit report and is now a massive bill in collections even though XXXX has admitted to me on recorded line that they pulled up the transaction and it was a billing error on their end. They said that although it was there fault that they could not do anything to repair the damage because they were not connected to the credit card company! So Im caught in the middle of two corporations and I am getting bullied basically. Its really so frustrating

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 2021-06-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: RI

Complaint narrative:
I discovered on or about XX/XX/XXXX that I was delinquent on a line of credit I purchased from Raymour and Flanagan.

After I received the alert from XXXX  I immediately called R & F. They apologized and told me that its best if I reach out to the creditors themselves, TD bank ( TDRCS/RAYMOUR & FLANIGAN ). 

I called them and was told they didnt have my correct address and thats why they never sent a bill ( not true they had my moms address where I used to live and NO BILL WAS SENT THERE ) When I asked them why they didnt call or email, they didnt have an answer and then the line disconnected. 

This happened at least 6 times! I would ask them challenging questions about their collection procedures and then the line would miraculously disconnect. No one would call me back-I had to call back.

When I finally was fed up and wanted to speak to a manager they told me I had to put my name on a waitlist and that the manager would turn around in 48-72 hours! I have yet to get any call back. 

One of the semi-competent agents walked me through setting up an online account on their shoddy website and thats where I discovered my bill was first due in XXXX and as of date, I have missed two payments. I told her that considering the companys negligence and shady collection practices that they should extend my contract by the two months hence making my bill current and then erasing the report off my credit.

She told me that all she could do was take {$40.00} off the bill and that I should have known that I owed a debt even without a bill because I made a purchase.

Imagine that! 

When I disagreed with her, the line magically disconnected again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2019 Balance : XXXX Reason : Identity theft Please remove this from my credit report. 


Account Name : REGIONAL ACCEPTANCE CO Account Number : XXXX Date Opened : XX/XX/2019 Balance : XXXX Reason : Identity theft Please remove this from my credit 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 explanation
Consumer complaint received 2021-06-11 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:
Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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:
I filed for identity theft in XXXX of 2021. XXXX XXXX claims they investigated the claim and they denied my claim based on their investigation. I have yet to receive the names and numbers of the agents and anyone contacted in regards to the investigation as stated in FRCA. Additionally, upon review of my credit report, I noticed this is an Auto Lease, per TILA leases are not permissible for automobiles and instead an installment credit sale waste be the basis of the initial transaction which I did not initiate. XXXX, a debt collector, is now charging-off monthly a disputed debt and ignoring to apply payment with my direction. I did not initiate a transaction, nothing has been loaned to me and I have not received any goods.

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 2021-06-11 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: MA

Complaint narrative:
I filed for identity theft in XXXX of 2021. XXXX XXXX claims they investigated the claim and they denied my claim based on their investigation. I have yet to receive the names and numbers of the agents and anyone contacted in regards to the investigation as stated in FRCA. Additionally, upon review of my credit report, I noticed this is an Auto Lease, per TILA leases are not permissible for automobiles and instead an installment credit sale waste be the basis of the initial transaction which I did not initiate. XXXX, a debt collector, is now charging-off monthly a disputed debt and ignoring to apply payment with my direction. I did not initiate a transaction, nothing has been loaned to me and I have not received any goods.

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 2021-06-11 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: KY

Complaint narrative:
I have disputed the inaccurate reportings with XXXX, XXXX, and Equifax several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX,. I never paid the following accounts late, XXXX  : XXXX  and XXXX  are not reporting this account, Equifax is reporting a payment status of 60 days late but does not provide the dates this account was late, XXXX XXXX : XXXX  is reporting a payment status of current but reporting late payments of 30 days late in XX/XX/XXXX, 60 days late in XX/XX/XXXX, 120 days late in XXXX and XX/XX/XXXX, XXXX  is reporting a payment status of current but reporting late payments of 60 days late inXX/XX/XXXX, 90 days late in XXXX and XX/XX/XXXX, 120 days late in XX/XX/XXXX and 150 days late in XX/XX/XXXX, Equifax is reporting a payment status of current but reporting late payments of 30 days late in XX/XX/XXXX, 60 days late in XX/XX/XXXX, 120 days late in XXXX and XX/XX/XXXX. The following accounts do not belong to me and should be removed from my credit file, ORIGINAL CREDITOR Account Number XXXX XX/XX/XXXXand XX/XX/XXXXis not reporting this account, Equifax is reporting an opened date of XX/XX/XXXX with a balance of {$130.00}, XXXX XXXX Account Number XXXX XXXX   is reporting an opened date of XX/XX/XXXX no balance reporting, XXXX  is reporting an opened date of XX/XX/XXXX no balance reporting, Equifax is reporting an opened date of XX/XX/XXXX no balance reporting. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX  and Equifax considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX, XXXX  and Equifax have failed to plead their case to who has provided them with this false information or provide proof with signatures of my agreeance to these accounts. Please help me to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX  & on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Grain Technology, Inc.
State: AL

Complaint narrative:
I found this app in the XXXXXXXX XXXX XXXX that provides a line of credit based on analysis of your checking account, and that utilizes no credit check. After applying and being approved, and sorting out an issue with an error I was receiving on the app, I was told the next step would be verifying my identity. I wasnt worried about this step since Im who I say I am and have the documents to prove it. The system couldnt automatically verify me, so I was asked to upload my drivers license and social security card to a XXXX account, which I should have known not to do. After another week passed, I reached out again and was told I could not be verified. This was odd, given that they said the approval was not credit related. They would not provide how their system verifies consumers. Further, they may be running a credit check without consumers consent, or they are pretending to and saying its only an identity verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-11 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: EQUIFAX, INC.
State: MS

Complaint narrative:
ON XX/XX/2021, I SENT LETTERS TO THE CRA 'S FOR REPORTING INACCURATE AND UNVERIFIED INFORMATION ON MY REPORT BECAUSE ITS DAMAGING MY CREDIT AND STOPING ME FROM GETTING A HOME, PLUS CAUSING ME STRESS.I AM SEEKING SOME ASSISTANCE IN THIS MATTER, ALSO THE LETTERS THAT I SENT THEM ARE FILLED OUT COMPLETLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
i have been sending letters to the cras ( TRANSUNION, XXXX XXXX XXXX to get this matter corrected since XX/XX/2021and they has done nothing or responded to my letters, it has been more than 30 days without no response.i am complaining about the inaccurate bankruptcy that they are reporting and won't delete it from my credit report.i even sent more letters off on XX/XX/2021 about the same situation and i am getting stress out behind this cause i am getting taking advantage of. they wont update the inaccurate personal information either.

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 2021-06-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
My Best Buy credit card was charging a debt protection fee. I shouldve cancelled earlier, but I wasnt aware Im needing a refund for the amount paid into this fraudulent fee

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 2021-06-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
I attended XXXX University online on or around XXXX taking classes towards my XXXX. I was informed at the time that I could withdraw from classes within 10 days per the financial aid rep/counselor. I had three classes and decided it was overwhelming due to just having a baby and was assured that this would not go against me adversely. With this misinformation my GPA dropped, started receiving emails stating that I owed over {$3000.00}. I then proceeded to settle the problem on different attempts with a letter of grievance, doctors documentation etc. to no avail.

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 2021-06-11 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 I sent a letter regarding inaccurate and unknown item on my credit report. To this day over 3 months later, this collection has not been removed. The collection agency FCO, is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. I do not validate this debt. I asked Equifax to remove it immediately and they failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: SC

Complaint narrative:
Calls everyday, twice, three times a day. No message, no human, no recording, dead air. Never leaves a message. I do not know this company, there is nothing on my credit report for this company. But I am constantly being harassed by repetitive calls. I can not receive calls during working hours of XXXX - XXXX or my job is at risk, This needs to stop or they need to leave a message or a human needs to tell me what this is in regards to. Enough is enough. They don't seem to care who they are calling or if it's the correct person they are calling. Nothing

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 2021-06-11 00:00:00
Product: Vehicle loan or lease — Lease
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: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I paid off the lease in XXXX2020 and the remaining residual. Provided all the necessary documentation needed to obtain my title. As of today I still do not have title to my vehicle. Please provide to me the guidance and assistance needed. 

Account # XXXX XXXX  Kia 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 2021-06-11 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: Continental Finance Company, LLC
State: SC

Complaint narrative:
On XX/XX/2021 I made a payment to my credit of {$350.00} during this phone call the agent offered me a due date change from the XXXX to the XXXX which would give more time in my cycle to pay the bill. I asked if my balance would report on the XXXX of XXXX the representative advised that yes it would report however she failed to advise me that the new cycle would change the reporting date to the XXXX of the month on XX/XX/2021 I contacted XXXX XXXX again in reference to the reporting I spoke with 2 reps they both advised me because I had great payment history my payments post immediately and my account would report at XXXX On XX/XX/2021 I received not only an alert from XXXX  that my score had dropped 21 points but ALSO my lender to tell me that I can not close on my newly built home because my FICO 2 also dropped to XXXX I immediately contacted XXXX XXXX and they escalated to several managers I had been speaking with a manager by the name of XXXX who advised me to make yet another payment of {$500.00} and she would do a courtesy correction to the report on XX/XX/XXXX I advised there should be no courtesy as if I was advised correctly we would not be having this conversation I spoke with another rep who advised that whenever they offer a due date change they have to disclose the cycle changing and if the cycle is soon they have to advise this information Here it is day 5 and no resolutions from XXXX  each agent says something totally different I am unable to speak with upper manager or the credit reporting department to file a formal complaint I am due to close on home I have a sales contract if needed and I can not close on XX/XX/2021 because of this

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 2021-06-11 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: CT

Complaint narrative:
I went to XXXX XXXX XXXX Hospital back around XX/XX/2016 I was treated for wrong service. The hospital waived the bill but the dr bill has been on all 3 of my credit reports and has been in debt collection with transworld systems. I have disputed this item several times. They tell me we can keep it in dispute but it has to stay on your credit report to damage my credit. This is not fair to me. You can check with the hospital their bill was waived. I'm trying to get a mortgage and this account is adversley affecting me. I will not pay for services that were provided that were not the right services. If the hospital agreed I don't see why this should be on all 3 of my reports damaging my credit. I am begging you to please remove ASAP from all 3 reports. If not I am going to now get an attorney involved and prove the case. The hospital dropped their end right in 2016. I am XXXX and being taken advantage of. The amount is for {$1400.00} on XX/XX/2016

Company response to consumer: Closed with explanation