vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Hello, I have paid this collection back on XX/XX/2021. They said it would be deleted from Transunion and XXXX credit report. I have contacted the company XXXX, XXXX over and over. I have told them several times that I have already paid this debt! I have paid this debt!!!! I'm not paying this again!!!! Per law I need this removed from my Transunion and XXXX credit report. I have attached lawsuit that explain this company has been sued for not reporting paid debts. I have also attached the receipt I got showing I paid this!! I need this removed 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 non-monetary relief
Consumer complaint received 2022-01-26 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: IL

Complaint narrative:
i am distressed and was taking advantage of due to mild practice while several laws were being broken under the FCRA by your company. this has caused me financial injury and defamation of character your company failures to positively verify information reported has hurt my ability to obtain credit, employment, and a home.

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 2022-01-26 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: CO

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: CO

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX had a so-called processor call and text my sister stating that if they don't hear from me a process server will be dispatched out for service at home and place of employment. They then called me but number said scam likely. They called again and stated that I owe a debt from 2001 and they are filing a judgement against me in my home county and they would be suing and taking my property, put a lien on my vehicle and other adverse action. I asked to not be contacted and to be provided via mail with this information. They continue to call and threaten and provide info/threaten action to family members and recei

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 2022-01-26 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:
I was taken advantage of due to mild practice while several laws were being broken under the FCRA by your company. In result I've been unable to obtain credit and have experienced financial hardship and financial injury. I can not even obtain an SBA loan to get my small business off the ground. Your company has hurt my ability to obtain credit. 


the following inquiries : XXXX ( XX/XX/XXXX ) XXXX XXXXXXXX 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 2022-01-26 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: MA

Complaint narrative:
I was a victim of Identity Theft. On XX/XX/2021 I have submitted my Federal Trade Commission Report to all three major bureaus ( Equifax, XXXX, XXXX ) to further confirm my status as a Victim of Identity Theft that was caused due to the EQUIFAX XXXX BREACH. 
This has caused a lot of headaches to my livelihood and not being able to properly use my credit when needed. I have been denied access to loans, credit, mortgages as a result of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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 was a victim of Identity Theft. On XX/XX/2021 I have submitted my Federal Trade Commission Report to all three major bureaus ( XXXX, XXXX, Experian ) to further confirm my status as a Victim of Identity Theft that was caused due to the XXXX DATA BREACH. 
This has caused a lot of headaches to my livelihood and not being able to properly use my credit when needed. I have been denied access to loans, credit, mortgages as a result 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 non-monetary relief
Consumer complaint received 2022-01-26 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: MD

Complaint narrative:
On numerous occasions I have attempted to fix my issues with the three credit bureaus, however, my issues have yet to be fixed. An account with the name of XXXX is reporting on my credit report, however, this account is in violation of 15usc 1681e-d. I have also requested that this account provide me with an agreement in which I have with them to no avail. This company has not provided the authorized agreement creating the debt which is required to collect on a debt per 15usc 1692f. Therefore if there was no agreement in place between myself and XXXX. That means I have no contractual agreement to pay them an alleged debt. There is also an account on my credit report in collections that has no information except a balance. I have no idea what it is and neither does the credit bureau and I would lie it removed immediately, thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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:
Hi XXXX, Transunion, XXXX, & CFPB ; I'm a little surprised and shocked that both XXXX XXXX and XXXX XXXX XXXX are still reporting inaccurate, and incomplete information on my credit report, but yet, your agency mentioned on previous dispute results that the dispute has been resolved. How can it be resolved if it continues to report the same previous negative, incomplete, inaccurate, and unverifiable information? For example, still continue to report different dates of XXXX, XXXX, XXXX, questionable balance, and inconsistent payment history and payment status. Delete for still multiple inaccuracies. It's my understanding from reading the recent articles from the Cfpb website that each of the credit bureaus, XXXX, XXXX, and TransUnion relied heavily on template complaint responses instead of providing meaningful and thorough responses to consumers, despite having up to 60 calendar days to respond. What was the method of your investigation from my previous disputes? Who did you talk to? How can you truthfully say that it was verified if all those items are still reporting with multiple inaccuracies and incomplete.

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 2022-01-26 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: NY

Complaint narrative:
I contested a charge to my Citibank XXXX XXXX. 
The charge was for a cleaning service for my home. 
I had contracted for a price, but the company was unable to complete the job as contracted for. They came back another day and charged me an additional amount {$360.00} ' it is this additional amount that I was contesting. 
I went online and filed a dispute with citibank. I checked the most appropriate category available, although it did not exactly correspond to what had occurred. 
Citibank issued a temporary credit, and requested additional information from me, which I provided. 
Citibank then informed me that they were reversing the temporary credit and reinstating the additional charge because I had provided them with conflicting information ; they refused to comment on the substantive issues based upon all of the detailed information that I had provided them, they simply denied my appeal based upon their perception that I had provided conflicting information. 
I explained to them the same as above, that their website limited my choice of a dispute reason, but that I had subsequently provided them with all of the necessary information for them to review and reconsider their initial determination. 
Citibank has refused to do so, in violation of the Fair Credit Reporting Act.

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 2022-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
Previously submitted a complaint about the same issue. Caliber Home loans were XXXX for taxes and insurance when the loan was set up without XXXX. I received an email both from Caliber & CFPB stating the situation was resolved ... and they are no longer escrowing - but now they won't refund the {$9200.00} they have already collected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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 an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: AZ

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. it is plainly stated that a failure to investigate these items within 60 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will take action due to the stress you caused me. My information was also may have got into the hands of the wrong person

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 2022-01-26 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: AZ

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. it is plainly stated that a failure to investigate these items within 60 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will take action due to the stress you caused me. My information was also may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
Reporting negatively on my credit that I owe them money for an account that I have no knowledge of. I have disputed with the credit bureaus and this company has reaffirmed that they have a debt. They have never contacted me regarding any debt and I have no knowledge of this company or of any debt with which they represent or are reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc.
State: NM

Complaint narrative:
T-mobile, working with Amsher Collections harmed my credit score substantially by prematurely reporting a debt to all three credit bureaus without proper notification on a closed, paid in full account. I have not received any correspondence from either XXXX or Amsher. My first notification of any amount due was an alert from my credit monitoring service. 

Upon further investigation it appears to be standard operating procedure for these two entities to act in this manner, which may be a violation of the Fair Credit Reporting Act. There are multiple complaints online of similar behavior from these companies which appears to be retaliation for dropping them as a wireless carrier. 

I called XXXX yesterday, and they refused to speak to me stating that they could not verify my identity because I didnt have some PIN code they wanted. I do not recall ever having a PIN code and when I requested that they verify me by some other means, they refused. 

I called Amsher today, and was repeatedly placed on hold for long periods, hung up on more than once, yelled at and then threatened with a ludicrous accusation that I made a false statement. This company should be investigated for their unethical business practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This is a new complaint but is caused due to another complaint currently pending. I am negative my account because BOA refuses to revese the funds they took out of my account causing me to go negative. I had a bill come out of my account yesterday and it caused me to go negative due to well the money for this bill is being held up by BOA claims department and fraud prevention ( i guess when you're fraud prevention you know how to scam your cosumers without any quilt. ) Thing is i dont get my check until Monday and now i am in a even bigger mess because i am deeper in negative which they didnt give me any time to get to a bank to deposit money to get my account up to date. I forgot the payment was coming out and before i could change my payment method it was too late. And BOA doesnt care. They are going to sit here and hit me everyday until moday with overdraft fee of {$35.00} causing my check on monday to be even less and putting me at a even bigger disadvantage to catch back up from the hole they caused me by not giving my money that was taking out of my acount not once but twice without my permission. Claim department wont help me at all and i have to wait even longer for them to prove why I dont deserve my money that is legally mine. They refuse to give me any help because of the complaint i put in i am sure. Bank of america has to be investigated. They are hurting cosumers more than helping. Its a shame. They are supposed to protect thier customers. We chose to put our hard earned money in their banks, with the confidence that they wont scam us of commit fraud like they have already done to me so far. Please, something has to be done. If this is happening to me, i can only imagine how many more people they are doing this to. And i currently bank else where, and i promise you, it is nothing like here. This is horrible.

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
Consumer complaint received 2022-01-26 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 have fraudulent hard inquiries on my Transunion credit report that are not mine. 

The inquiries are listed below : 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 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 2022-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Dear Capital ONE Credit Card ; Happy New YEar! Hope all is well on your end. Listen, I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation