vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-30 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: GA

Complaint narrative:
I have been disputing certain accounts on all three reporting agencies for over a year now and the same accounts disputed, will return as " verified '' even after submitting factual letters of the incorrect information reported across the reporting agencies. The most recent letter sent in the beginning of XX/XX/2021, all reporting agencies did not respond with the 30 day grace period. I have sent a second round of letters requesting removal due to their failure to respond, and instead I received a letter stating that the information was " verified ''. However, the information that is reported on my credit report, is far from accurate. There are too many inconsistencies on my report from all reporting agencies. At this point, I am very unhappy that my rights are not being taken seriously and my next course of action will be to sue each reporting agency per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: FL

Complaint narrative:
On or about XX/XX/2021, Me and my fiance ' provided a background screening report to XXXX to be considered for a rental apartment home. On XX/XX/2021, I was denied by XXXX due to a past " Delinquent account ( s ), '' -- in which one of the delinquent accounts being XXXX XXXX XXXX erroneous " 30 days late '' reporting to my credit report. 

Per my prior CFPB prior XXXX XXXX complaint # XXXX, XXXX XXXX resolved this 30 days late dispute in my favor and agreed to send a request to the appropriate credit reporting agencies to update my credit report reflecting the 30 day late/delinquency error.

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 2021-12-30 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: FL

Complaint narrative:
On or about XX/XX/2021, Me and my fiance ' provided a background screening report to XXXX to be considered for a rental apartment home. On XX/XX/2021, I was denied by XXXX due to a past " Delinquent account ( s ), '' -- in which one of the delinquent accounts being XXXX XXXX XXXX XXXXrroneous " 30 days late '' reporting to my credit report. 

Per my prior CFPB prior XXXX XXXX complaint # XXXX, XXXX XXXX resolved this 30 days late dispute in my favor and agreed to send a request to the appropriate credit reporting agencies to update my credit report reflecting the 30 day late/delinquency error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items 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 2021-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation
State: FL

Complaint narrative:
I sent 3 debt validation letters in XX/XX/2021, and each time the company has failed to validate my debt. Instead, they sent a list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/2021 I filed a dispute with Chime bank because I return my items ( XXXX ) and cancel a reservation to a hotel ( XXXX XXXX ) and chime still denied my claims and now I have negative balance of - {$4900.00} I sent chime my return receipt and they still denied my claim. 

My other issue is on XX/XX/XXXX I filed another dispute with chime for unauthorized charges made on my account. I had charges from XXXX XXXX XXXX XXXX XXXX XXXX XXXXr. I also sent in evidence but they still denied my claim. 

I contacted the merchants that was fraudulent used in my accounts and they sent me receipts with a name XXXX XXXX attach to them. I will provide those documentation at the bottom. 

Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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/2021. And now we are in the month of XX/XX/2021 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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX CXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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 2021-12-30 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: IN

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 2021-12-30 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: 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 Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian 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 XXXXXXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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 2021-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
UNAUTHORIZED INQUIRES WITHOUT MY KNOWLEDGE

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 2021-12-30 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/2021. And now we are in the month of XX/XX/2021 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 : CREDIT COLL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: IN

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 2021-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I already send my papers that is payoff my son has medical hospital did not had my information I give to them this the paperwork for this claim please look at it i at attached it thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: OH

Complaint narrative:
My name is XXXX XXXX XXXX, I had filed a complaint a few years ago I was the victim of fraud and I had to get my ID security PIN from the credit bureaus. I recently discovered some of the same issues this year I need the following unrecognized address removed from my credit file I believe they are attached to some fraudulent activities from the past I need them deleted immediately as soon as possible. I am in the middle of buying my home and it is causing some verification issues. 
Please delete the following addresses : XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXXXXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXXXXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX I also found issues with my name being spelled wrong my correct spelling is XXXX XXXX XXXX please delete any variation or misspellings of my name.

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 2021-12-30 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: OH

Complaint narrative:
My name is XXXX XXXX XXXX, I had filed a complaint a few years ago I was the victim of fraud and I had to get my ID security PIN from the credit bureaus. I recently discovered some of the same issues this year I need the following unrecognized address removed from my credit file I believe they are attached to some fraudulent activities from the past I need them deleted immediately as soon as possible. I am in the middle of buying my home and it is causing some verification issues. 
Please delete the following addresses : XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXXXXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXXXXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXXXXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX I also found issues with my name being spelled wrong my correct spelling is XXXX XXXX XXXX please delete any variation or misspellings of my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
This is a second complaint following CFPB Complaint Number XXXX. 

Bank of America never addressed the fact that all the fraudulent charges were made well outside the area in which I live, and in areas I never traveled. 

Bank of America acknowledged the fraudulent charges by removing/crediting the interest charged on those charges over the last several months. 

On my prior complaint I received one call from Bank of America. I returned their call and left messages on five ( 5 ) separate occasions, and never received a callback. Bank of America closed the complaint and re-sent the same documentation I'd already received prior to me filing the complaint in the first place. 

Bank of America has falsely asserted they've conducted an investigation into the fraudulent charges on my account. They have never addressed the fact that all charges were made inconsistent with my spending patterns ( I do not make charges in XXXX, OH, or XXXX XXXX, CA. Moreover, I do not and have never had an account with XXXX ). 

Bank of America claims to not hold their cardholders responsible for charges for which the cardholder is not responsible, yet refuse to look into the fact that all 8 of the fraudulent charges still on my account were made outside my area, and inconsistent with my spending patterns in terms of merchants ( XXXX XXXX XXXX XXXX ), or area ( XXXX, OH, California ).

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 2021-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have two Banks stealing {$700.00} from my prepaid account XXXX and XXXX XXXX, with zero accountability. 

I was just told by XXXX that they can not access my credit file all three major bureaus are reputedly in non-compliance status they will not correct the problem. I'm being unlawfully tonight credit and improperly treated as a banking customer every single company responsible for having consumer files of any Nature has slanderous data in their files under my name and they will not correct the matter. Has been asking for the past two years to correct the XXXX information and somebody's going to get their XXXX sued.

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 2021-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Early in the morning on XXXX I deposited a {$3000.00} cashier 's check into my checking account and the bank placed an extended hold. This is a next day item. The funds should be available after one business day. I have properly maintained a checking account at Bank of America for over twenty years. I need the funds available so I can pay the rent on my apartment. On XXXX at XXXXXXXX XXXX I made a twenty minute call to customer service. I spoke with XXXX and XXXX and neither one could help me.

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 2021-12-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: MI

Complaint narrative:
I received a call from XXXX. I answered and they asked for my name and SSN. I asked what they were calling about and they said it's related to my student loans through FedLoan but they couldn't tell me why they were calling for my 'security ' until I verified my information and including my SSN. I only gave them my last 4 of my SSN because they said they were calling from American Education Services, so I thought that was safe enough since they were calling related to my federal student loans. They let me know that my funds were being transferred to another servicer and that I can set up my auto payments once they are fully transferred ( all accurate ). However, I was thrown off by not getting a call from an XXXX number and even tried to call the XXXX number back and there is no dial tone, so I am worried that I made a mistake in giving them even my last 4 of SSN. No amounts of money have been taken from my accounts yet and I have frozen my credit and cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: VA

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 2021-12-30 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: LEXISNEXIS
State: GA

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UPGRADE, INC.
State: GA

Complaint narrative:
Upgrade , Inc. claims I owe them XXXX on a line of credit promissory note ( which doesn't make sense ) that they signed on my behalf without my permission. However, they can't prove to me that they sent me any money or why I owe them this money. I talked to them on the phone and they kept asking me for my bank account information to prove that I never received any money. I refuse to give them my banking info as I am concerned they will find a way to take money out of my account! I filed this complaint before under # XXXX and it was closed ; but now they have placed it on my credit and they are threatening to accelerate payments and demand payment in full on a debt I don't owe. I told their rep. to take me to court and I would show my bank acct info to a judge. However, I feel it is incumbent on them to prove they sent me the money. After all if they sent money to my bank account it will not be exposing confidential information to tell me what account they sent it to, would it? They need to prove I owe them this money! Any business that would send {$6500.00} to a bank account and not have proof of what account they sent it to is either incompetent or lying!!! I am attaching a police report, their phony loan document and a cover letter I sent to the credit services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: FL

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on 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 non-monetary relief