vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I mailed a dispute letter via Certified mail regarding several erroneous accounts showing on my credit report on XX/XX/XXXX. It is now XX/XX/XXXX and I have still not heard back from the Experian Regarding these disputes. 

Per the FCRA laws, Experian must complete their results within 30 days of receipt of my dispute letter.

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 2021-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my XXXX XXXX. 

The XXXX Credit Bureau is reporting inaccurate information on AARGON COLLECTION AGEN. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

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 2021-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: NV

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on CONVERGENT OUTSOURCING ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

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 2021-11-11 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: MO

Complaint narrative:
There was an account that was reinserted on my Consumer Report Illegally from XXXX, XXXX, and Equifax. The account was deleted and then on the same day it was re-inserted without my knowledge or consent and thats violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: MN

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureaus are reporting inaccurate information on NATIONAL RECOVERY AGEN XXXX Balance {$120.00} ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

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 2021-11-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
BBVA now PNC was under valuing housing/ properties in my minority neighborhood by ~30 %. That lead to underfunding and unfair lending practices. 

This happened around XX/XX/XXXX 2021. The property valuation by the bank was around {$210000.00} and only weeks later it sold for {$290000.00} and appraisal by the VA. I really this is practice need to be looked at cfpb. All people should get fair lending based on the accurate assessments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: LJ Ross Associates
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, they MUST remove this collection account immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: CA

Complaint narrative:
I mailed a dispute letter via Certified mail regarding several erroneous accounts showing on my credit report on XX/XX/XXXX. It is now XX/XX/XXXX and I have still not heard back from the XXXX Regarding these disputes. 

Per the FCRA laws, XXXX must complete their results within 30 days of receipt of my dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: NV

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

ENHANCED RECOVERY CO is inaccurately and erroneously reporting iun. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Synchrony Bank opened a savings account in my name. I found out when they sent a letter to my home saying they were going to close the account a month after opening the account. 
XXXX XXXX XXXX XXXX Texas had an application for a business loan in my name. They were in the process of denying it and take it off my credit report as a result of my conversation. 
XXXX XXXX was about to open a credit card in my name in New Jersey. I called and was able to get the account denied as fraudulent.

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 2021-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: MN

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

RADIUS GLOBAL SOLUTION XXXX Balance {$420.00}

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 2021-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: MN

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

WAYPOINT RESOURCE GROU XXXX Balance {$430.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: Consolidated Information Services Solutions, LLC
State: GA

Complaint narrative:
I noticed these fraudulent inquiries on my XXXX and XXXX credit reports and I've disputed them several times with the companies and XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. 

Hard Inquiry Date Universal Credit Servi XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX

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

Complaint narrative:
I noticed these fraudulent inquiries on my XXXX and Equifax credit reports and I've disputed them several times with the companies and XXXX and Equifax and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. 

Hard Inquiry Date XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Account in question : XXXX/XXXX  This account is continuously reporting charge off XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. This account should only report a charge off for the month of XX/XX/2021. This is having a substantial effect of me date of last activity which will show me when this account falls off of my report. 
I have reported several times that this account is inaccurate and all they have done was send me a letter stating that the account was updated or that it was accurate which obviously it is not. I reported this account to XXXX and it came back on XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. After disputing this account 5 times this year and having nothing done to correct the issue, which you can see in the document that I have attached from XXXX. 
At this point, I do not want to waste anymore of my time or money disputing this information because they have had 5 time to actually verify and fix this information which they have not done so at this point the only way to solve this issue is to just delete the account from my report and send me an updated copy of my credit report with this account deleted.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
An XXXX Vacuum And Mop Were Purchased Online ( Since The Item Was Not Available At The Store ). The Item To Date Has Not Been Received. According To The Carrier They Left The Package Outside And Stated That No Signature Was Obtained Because It Was Not Requested Or Required By The Shipper ( Best Buy ). When I Spoke To Best Buy They Could Not Explain To Me Why They Did Not Require A Signature On This High-value Item. Therefore, The Package Was Left Outside. As A Result, The Package Has Gone Missing. None Of My Neighbors Have Seen It. I Have Exhausted All Measures Of Trying To Get This Matter Resolved With Best Buy And The Carrier XXXX. I Have Called Them Several Times And After Being Told That They Would First Investigate With The Carrier, Then Going To Re-ship Once The Item Was Back In Stock And Require A Signature This Never Happened So When I Called Back After Several Days For Status, Then The Rep Stated They Were Going To Process A Refund Back To My Citi Card For Me To Re-order The Product Once It Became Available Because It Was Out Of Stock Again This Never Happened Either So I Had To Call Back, Then They Told Me I Had To Put In A Claim With XXXX  For The Missing Package Well I Tried That As Directed By Best Buy To Only Come To Find Out That I Couldnt. I Called XXXX Several Times To Get The Matter Resolved, XXXX Told Me That Best Buy Had A Restriction And Only Best Buy Could Put In The Claim For Me, Not The Receiver. Frustrated, I Then Called Best Buy Again And Just Kept Getting The Runa- round. I Asked To Speak To A Manager And Was Told That No Managers Were Available And I Would Receive A Callback. I Also Sent a Customer Service An Email As Well. Since Last Week ( Week Of XX/XX/ ), I Still Havent Gotten A Response Back To My Email Nor A Call Back From Their Escalations Department Or A Manager As Requested. Im Done Wasting Hours Of My Time And The Frustration This Has Caused Me With Trying To Get This Matter Resolved With The Merchant And Their Chosen Carrier. This Is Unacceptable! Especially Considering The Amount Of Business And Money I Spent Every Year At Best Buy. Ive Expressed This To Them In My Email As Well. I opened up a dispute with CITI and they stated there is nothing they can do further on their end because Best Buy provided proof to them that they gave the package to UP, even though no one signed for the package. SO FRUSTRATING! to have to pay for something that I never received.

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 2021-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Account in question : XXXX  This account is continuously reporting charge off XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This is having a substantial effect of me date of last activity which will show me when this account falls off of my report. 
I have reported several times that this account is inaccurate and all they have done was send me a letter stating that the account was updated or that it was accurate which obviously it is not. I reported this account to XXXX and it came back on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. After disputing this account 3 times this year and having nothing done to correct the issue, which you can see in the document that I have attached from XXXX. 
At this point, I do not want to waste anymore of my time or money disputing this information because they have had 5 time to actually verify and fix this information which they have not done so at this point the only way to solve this issue is to just delete the account from my report and send me an updated copy of my credit report with this account deleted.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My Bank of America account has currently been drained due to a check that was supposedly duplicated two months after the original deposit. Check was supposedly duplicated at XXXX XXXX  so says Bank of America. This is not possible. This never happened. The original Check writer as well as myself have had conversations with XXXX XXXX & they are saying a duplicate check never happened & the only thing showing on their end is the original check cashed & cleared with no issues. Bank of America is refusing to return my money refusing to help stating that XXXX  must fix it but they can not because on there end all is clear. My account is now in the negative to no fault of my own & no one will help me to fix it. I do not recall names as most people I spoke to were customer service. I went two different times to speak in person once in XXXX NJ Branch ( spoke with manager ) and once in XXXX NJ by appointment also had numerous phone conversations via phone with customer service. I Have also been to XXXX XXXX  personally two times & the original writer of the check has made phone calls as well as spoke to XXXX in person. Bank of America is showing me no proof or evidence that this actually happened. They are just repeating what an operator is saying on another line. They do not know how to explain it and they they themselves have stated they are confused by it & that it does not make sense. As stated above the little money I did have is now gone as well as more money being owed due to bills coming out that are now bouncing back causing failed transaction fees on top of what they already took. This is to no fault of my own and as a person that lives pay check this us a horrible situation to be in. No one is willing to fix 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 2021-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
There was an account that was reinserted on my Consumer Report Illegally from XXXX, Transunion, and XXXX. The account was deleted and then on the same day it was re-inserted without my knowledge or consent and thats violation of my consumer rights.

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 2021-11-11 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
There was an account that was reinserted on my Consumer Report Illegally from Experian, XXXX, and XXXX. The account was deleted and then on the same day it was re-inserted without my knowledge or consent and thats violation of my consumer rights.

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 2021-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Account in question : XXXX XXXX XXXX  This account is continuously reporting charge off XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. This is having a substantial effect of me date of last activity which will show me when this account falls off of my report. 
I have reported several times that this account is inaccurate and all they have done was send me a letter stating that the account was updated or that it was accurate which obviously it is not. I reported this account to XXXX and it came back on XX/XX/2021, XX/XX/2021, and XX/XX/2021. After disputing this account 3 times this year and having nothing done to correct the issue, which you can see in the document that I have attached from XXXX. 
At this point, I do not want to waste anymore of my time or money disputing this information because they have had 5 time to actually verify and fix this information which they have not done so at this point the only way to solve this issue is to just delete the account from my report and send me an updated copy of my credit report with this account deleted.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: ProCollect, Inc.
State: GA

Complaint narrative:
I am XXXX XXXX XXXX, and I am submitting this complaint myself and there is no third party involved. This was a corporate account and mistakenly reported on my profile in XXXX. I believe there may be an error on the payment status, payment history, and the comment to verify this information, correct this if there are errors, or remove this ASAP.

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