vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-15 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:
The credit bureaus failed to respond within the time frame allowed by the FCRA. I have had such a hard time trying to get them to remove inaccurate information as well as the credit freeze. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-15 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I called Navient customer service in XXXX regarding extending my covid forbearance and was told by the company 's representatives that they were no longer offering covid forebearance. I called back and was told that in fact they were, but were told to push borrowers toward interest only payments. I was unemployed at the time. In addition, the covid forebearance broke my consistent payment record, resetting my ability to qualify for cosigner release after multiple years of on time payments. Despite applying multiple times for cosigner release, I was also denied because my credit to debt ratio is too which, largely because of the loan in question. I've consistently received bad information from navient, been unable to change the terms of the repayment of my private loan regardless of my financial circumstances, and still owe close to the original amount borrowed despite a decade of on time payments, covid forbearance notwithstanding. I'm not sure if I qualify for the settlement that was just agreed upon but definitely fell victim to predatory lending practices in 2008 when I took the loan out to pay for a for profit college with low graduation rates. Navient is a predatory company and the loan I took out almost 15 years ago still keeps me from being able to afford to buy a house, and is a significant financial burden.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the XXXXairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
On XX/XX/2022 I opened an account with Venmo just to receive a pay advance from my boss due to a snowstorm planning to hit our area. He sent the money through Venmo. It wouldn't allow me to cash it out on an approved card so I attempted it a few more times unknowingly that was the problem and it froze my account. Now I am in that same vulnerable situation of no money just because I utilized Venmo. I replied to the automated email but it takes them XXXX days to look at your account and for it to be worked on. My money is now XXXX with them with no explanation and me and my family are now looking at being exposed to the elements because that money was the money to assist us. I hope I am still alive after posting this, thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-15 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I would like XXXX XXXX XXXX XXXX XXXX debit that was purchased by LVNV FUNDING LLC supress since the correct amount is not reflected on the statement that should be owed. In XXXX and contacted XXXX XXXX XXXX directly to request to close my account and I was denied to close the account. I immediately stopped utilizing the credit card when it reached {$450.00} of its credit card limit and informed the company I no longer wanted an account. They insisted on keeping my account open although I told them I was unable to maintain my account at that time. In XXXX LVNV requested an immediate payment of {$1300.00} for outstanding credit charges. However, my credit limit on the card was {$450.00}. I contacted XXXX and informed them that I was willing to pay what used on the card but I refuse to pay an incorrect statement amount since I did contact XXXX XXXX  to request to close my account but they refused. I would like for this debit to be removed since it is more than XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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: IN

Complaint narrative:
I noticed 3 fraudulent hard inquires on my credit XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I called TransUnion and sent documents, but inquires were never removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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: CA

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-15 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 became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
It appears as though Midland Credit Management has violated a XXXX ruling against the company by the Consumer Financial Protection Bureau in XXXX by making threatening statements to consumers by threatening to file a lawsuit against them yet they fail to provide the burden of proof of debt of the original credit card agreement, proof as to who made the purchase, and proof as to who opened the account. All what they provide is a credit card statement that can be easily forged. The verbiage " we intend to file a lawsuit '' to me is a threat which to my understanding is a violation of the CFPB and is seen as an intimidation tactic with the sole purpose of intemidating a person into paying for a debt that they failed to prove. There are other areas in this letter that to me is a red flag for a scam such as " including the attached documents '' which by not providing everything that they have to me is a scam and or immediation tactic to get someone to pay for a debt that is not theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INTERCONTINENTAL CAPITAL GROUP
State: TX

Complaint narrative:
From the beginning Intercontinental Capital Group ( ICG ) loan officeXXXX misrepresented, over promised and made false statements. I began the refinance process with ICG in XX/XX/2021. The loan XXXX was dishonest about the amount of out of pocket expenses I would have if I went with the lower interest rate. He stated I would only have to pay {$400.00} for an appraisal ; however, after receiving a quote there was an additional {$15000.00}. I was specific in my questions regarding upfront cost and the loan officer XXXX XXXX lied. A few weeks went by and XXXX continued to contact me apologizing and expressing interest in getting my business. I decided to give him an opportunity however I needed everything in writing. The amount of unprofessional, poor business practices and lack of integrity I received from the two of you Ive the past month equates to one of the worst business experiences Ive ever had. Before deciding to do business with ICG, XXXX flat out lied to me regarding about rates and my upfront cost. This should have been my first sign that this organization has shady business practices. XXXX was well aware of my current issues with my mortgage company as I explained this on multiple occasions before and after having my credit run and signing the application to move forward. XXXX, you were also well aware of these sand challenges as XXXX claims to have shared these with you but lord Importantly I not only shared the same info, provided written documentation, statements and other info. You both reassured me that there would be no issues moving forward and that ICG would refinance my loan. XXXX, you repeatedly dropped the ball and provided partial information and failed to properly review documents that I sent. Even in our last communication both you and XXXX chose to place blame on my mortage company instead of taking responsibility. XXXX my last conversation with you was a compete low. You said that you agreed with me and that XXXX had dropped the ball. You even went as far as to say you would ensure XXXX communicated with you directly to help move the process alone. The next communication from you is a cowardly email suggesting theres nothing else ICG could do to assist me and again placed blame on my mortgage company. This is flat out unprofessional and one of the worst business practices Ive ever experienced. This is extremely concerning and you both should be held accountable for the poor, unethical business practices. I cant imagine how many other customers you two have failed and lied to while throwing your hands up as if you dont have to be held accountable. If this is representative of ICG this is extremely unethical and in certain goes against the guidelines. The both of you should be ashamed. 


- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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: CA

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of ID theft. Beside these items. Please remove these items which are not authorized by me as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-15 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 became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of ID theft. Beside these items. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have a fraudulent closed/opened account. With a false sales pitch XXXX vacation credit took advantage of my shared information with commenity capital Bank creating an account that was binded with a contract without my consent I didnt authorized this actual account for XXXX that has now accumulated fees making the balance go up for none payment. On XX/XX/XXXX, th me and my boyfriend was led to a XXXX vacation resort with the intentions of gaining XXXX for attendance We came in but had a process you follow. First they sit you down in cubicles asking you to share your personal info check off and signed a few areas to help better your chances on deals information was not going to be used unless agreed upon. Soon after we are in a waiting area eating small snacks before entering the presentation. After the presentation we are escorted to a private table to with a representative to talk on our thoughts on future vacations they kept us there for hours because we kept declining we finally came to agreement but nothing was actually finalized or printed out. We was told we will get the info in the mail since they already had our info. I didnt no I left there in a XXXX debt. After we came home from the trip we later received two congratulations welcomed letters. But we didnt agree upon them so on XX/XX/2020 we called the numbers on the letters to cancel them both. My boyfriend received a letter of a zero balance I didnt but I checked with XXXX  to see if the account was closed and it was. a month later bills from started generating from XXXX XXXX XXXX I called the numbers on the back of the bills that lead you to Comenity capital Bank. During the investigation period I made calls to try to understand when or how this money was used since I never actually seen it. I then learned that commenity bank agreed to a loan on my behalf without my knowledge. When i called XXXX they did a so call investigation too. They both said the same thing even though your saying you didnt sign we have your signatures. There proof was my first copy of the contract that has small docu  signed signatures. I continued to dispute as the account continues to tear my credit apart I just keep receiving random calls from commenity capital bank for payments Im at a lost on what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX. ) I contacted Bank of America on XX/XX/2022 regarding a purchase dispute. My Bank of America account is being illegally accessed which access was provided by Bank of America to unauthorized third parties. This is a fact since after imitating the dispute a hired actor or third party member of the public staged a stunt informing me that he knew about the dispute filed with Bank of America. I do not know this person and have never seen him before. This person is very likely a hired actor or agent working for the federal government, the intent of which is to interfere with my financial situation and by doing so interfere with or prevent further pursuit of the active lawsuit in the D.C Federal district court against one or more federal agencies. 
XXXX. ) Bank of America did not issue a temporary credit as is usual, customary, and consistent with its own procedures. Bank of America did not issue a claim number on the matter, therefore indicating that the claim had not been filed or properly handled. 
XXXX. ) I can not validate that the person from West Virginia who handled the call for Bank of America was actually an employee of Bank of America as she called from a number outside of Bank of America and she did not properly identify herself. 
XXXX. ) The intent of Bank of Americas fraud was and is intentional and to interfere with my finances to aid the government to prevent further legal action against the federal government i.e. XXXX as set forth above due to an active lawsuit I have filed against the government.

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 monetary relief