vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-08 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: MI

Complaint narrative:
It's been so agitating waiting for TransUnion 's feedback to my previous complaints about getting some incorrect stuff in my report. All the inquiries that are reported were truly unfamiliar and unauthorized. I have been sending you written requests to get rid of these inquiries but you have failed to do it or at least notify me about the status of my requests. Below are the unfamiliar inquiries I am disputing. 
XXXX XXXX  Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX  XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX  Date of inquiry XX/XX/2020

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 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I contacted Experian on XX/XX/2022 to remove comments from my accounts due to a pending mortgage and the mortgage company wanted them deleted. The representative did not remove the dispute comments and also opened new disputes which caused my credit score to drop XXXX. Called back XX/XX/2022 for resolution. Also requested to have an account deleted which has reached its 7 years statute of limitations. The representative stated that the date of delinquency changed and the date of deletion has also changed. I want this situation rectified

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 2022-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My card was charged from this company without my consent. I do not have an account with this company nor dont know how they got my card information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
My American Express Serve account was locked or " permanently suspended '' due to " activity that violates the terms of the Consumer Use Agreement ''. I received an email informing me of this on XX/XX/2022, several days after the account was actually locked. The email gives a XXXX XXXX XXXX for me to write to if I have questions. I have called the XXXX line several times. Yesterday I was on hold for 30 minutes and gave up. Today I was on hold for an hour, briefly got through to someone and the line disconnected. I have no way to access the money that is in the account and seemingly, no one I can speak to about it. I feel like Amex has just robbed me of my money and I have no recourse. There was a little over {$200.00} in the account, money that I really, really need access to and I can't get it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-08 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future 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 2022-03-08 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: DE

Complaint narrative:
XXXX I previously contacted XXXX, Transunion and XXXX in regards to account listed on my personal credit report that is listed as a Charge off/ Collection. The account is listed as XXXX XXXX with an account number attached as such : XXXX. This vehicle was completely paid off with no balance owed by XXXX in 2018. This company is continuously reporting false and incorrect information on my credit report which is not a reflection of my character. After contacting these credit bureaus XXXX founded that this account was placed on my report with incorrect information and no balance was owed at any time and DELETED the account. Transunion and XXXX are not completing their due diligence which is greatly affecting my life. I have asked several times for documentation which legally validates the account which they continuously fail to provide to my person. These companies are including fraudulent information on my credit report from companies who pay their salaries and not acting in the best interest of the consumers. These practices are malicious and indecent. How can one company come back and state their information should have not been placed on my credit file and deleted it but these companies are sending letters to my address stated VALIDATED with no validation information or documents. I want this account reinvestigated immediately providing these bureaus with 15 days because I previously gave them more than enough time and information in the past. I would like all findings and conclusion correspondence via CFPB and then an updated copy of my credit report to be mailed to my address. I do not want this complaint closed until the investigation has been completed and I am providing with all documentation in the event they say the account is Validated. I am seeking payoff documentation and all payments XXXX XXXX received from XXXX, all notices I was forwarded in regards to a balance, the original contract associated with this account, my signature bared on the original contract and all documentation produced to your party.

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 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I receive notification that my personal information had been found on the dark web including my Social Security drivers license and address. I tried reaching out to Experian in order to place a credit freeze on my account and tried using their online system twice but the site crashed both times. then when I tried to contact Experian its absolutely impossible to get a hold of them. the number only brings you to an automated system that wont connect you with a live person and is unable to set up a credit freeze or from alert. your only option is to mail in any communication to them. This is completely unacceptable given the fact they are one of the three major credit reporting agencies XXXX XXXX and XXXX are both easy and helpful and it was possible to set up a credit fraud alert and a freeze. This company shouldnt be allowed to act as a credit bureau if theyre not accessible to the public. I tried multiple ways of getting a hold of them including numbers that werent even designated for credit reports but nobody answers

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 2022-03-08 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: TX

Complaint narrative:
I did not authorize the accounts showing on my credit report. I have been away traveling for college. I recently came back to XXXX from Oklahoma. I checked my credit report because i am trying to get a apartment and was denied. I have never tried to use credit until now. I don't know who opened the accounts on my credit report but it was not me. i am listing the additional information that does not belong to me here : Accounts XXXX XXXX associates XXXX XXXX XXXX Funding XXXX XXXX XXXX funding XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, tx XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX tx XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not authorize the accounts showing on my credit report. I have been away traveling for college. I recently came back to XXXX from Oklahoma. I checked my credit report because i am trying to get a apartment and was denied. I have never tried to use credit until now. I don't know who opened the accounts on my credit report but it was not me. i am listing the additional information that does not belong to me here : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, tx XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX tx XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
It looks like the kia auto did 2 hard inquires under my name. One under XXXX and the other Nissan. Both companies are the same dealer to where I bought my vehicle. Only vehicle I looked at and bought was a XXXX. Two injuries should not be showing to my knowledge. Dates are XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I have attempted to resolve this issue with RENT RECOVERY Solutions on two occasions by sending them letters requesting them to validate the debt that they are reporting to my credit report. I recently sent them a letter on XX/XX/2022 30 days ago and have not received any response. I am providing the tracking number XXXX that shows that Rent Recovery has received my letter, I addressed the letter to XXXX XXXX, Executive Vice President. I do not agree with the balance that Rent Recovery is stating is owed to apartments XXXX XXXX. I also was not notified by the apartment complex XXXX XXXX on any eviction and was not served any eviction notice, I do not agree with the charges that XXXX XXXX is claiming that is owed to them. Also Rent Recovery is not reporting this with an actual name on the XXXX credit report I was unable to address this account within 30 days before it reported to the credit reports due to the fact that there is no debt collector name attached it simply states XXXX XXXX ' I have attached a copy of the credit report as well to show that this account is not reporting accurately in several aspects.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
have disputed items with Experian, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX reporting inaccurate information for an account i have never had with them. I

have sent letters for verification of the accounts over two years with all being returned to sender. I have disputed the items as fraud with Experian and It comes back as an updated item. I have asked Experian to send me the written verification they got with my information and hand written signatures saying that i opened the accounts and they refuse to. I have spoken with Experian and aske
d for written validation and they refused to give it to 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 explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IN

Complaint narrative:
Toyota/ Toyota financial services/ Lexus fraudulently reported and sold a debt of a closed and fully paid off account resulting in undue stress and hardship. Lease was paid in full XX/XX/2020. Toyota showed unprofessional and unethical behavior by trying to charge me for fraudulent and untrue claims of poor vehicle condition upon lease return. They requested payment for " internal melted headlights '' and micro scratches. Of note Toyota held and paid a service contract on this vehicle because it was a XXXX vehicle and had strict service requirements. Despite being serviced by Toyota several times the headlights were never found to be a problem and were in perfect working order. Also of note the vehicle was returned in excellent mechanical and cosmetic order. I contested any and all claims for poor condition. Toyota did wave the requested fee for the headlights and stated theose were due to design flaw on the vehicle but refused to waive the fee for the " micro scratches ''. Of note lease law and contracts does allow expected wear and tear on a leased vehicle, it does not allow abuse to the vehicle or damage as the result of abuse. How a car can be driven for years and not have a micro scratch is not possible and also hints to likely very large and ongoing consumer scam by Toyota to defraud the consumer out of funds at the end of a lease. Toyota illegally and fraudulently reported and sold a paid off debt to XXXX XXXX XXXX XXXX XXXX. resulting in undue stress and hardship on me. I am sure Toyota has done this to others and it needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Please help. I am getting sick of this issue, and I have been living in severe anxiety since this issue started. I am going through medical care because of what is happening to me from Freedom Mortgage Company.

I was in a three-month trial period with the company after going through a forbearance period due to Covid. I fulfilled my part and paid the three months trial period on time. I was promised by Freedom Mortgage that I would receive final documents that follow the trial period, and I needed to sign them and notarize them. I asked for the documents for almost six months, calling them every ten days, and every time they promised they would send the documents and never get them. Finally, after I complained about them through the Consumer Financial Protection Bureau, I received the documents. 
I signed them, notarized them, and sent them back to Freedom Mortgage. I called them after, and they informed me that they had received the documents and that everything was fine. They have also told me they will set up the direct payment from my bank to receive the payment monthly. They haven't done that, and I called them for the past two months to ask about setting up the direct payment, and every time they come up with an excuse. One excuse they need to look at the notarized documents, and it will take them 45 days to do that. Another excuse is that they haven't received the documents and will send another. 
They have also reported my account as a delinquent to the Credit Bureau, and my scores went severely down because of this company. Please, I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LOBEL FINANCIAL CORPORATION
State: MS

Complaint narrative:
I bought a car in XXXX. Lobel Financial is the institution that provided funding. This account has been closed for around 2 years but continue to increase the overall total debt. I was notified that I had a new account opened on my credit report through XXXX. As I looked in to the notification my debt increased from the current car that I have which is {$19000.00} to {$44000.00}. Under total accounts, the number was still the same, but, Lobel Financial is now in an open status. When this happened, my credit score dropped XXXX points. Ive been fighting this institution for months. They keep changing information on my credit report that is not accurate. It seems intentional.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

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 2022-03-08 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have placed a permanent credit card offers opt out on all three credit agencies on XXXX on web site outoutpreescreen.com with refence numbers XXXX and XXXX, however on XXXX I was mailed a credit card offer with promotion checks for my Fidelity Investments /Elan financial service credit card ending in XXXX. Please look into what credit agency or if the credit card company is responsible for this error and correct with the appropriate agency to make sure I will receive no such offers in the future. Furthermore, as of XXXX I have permanently opted out once more, via phone and mail with confirmation number XXXX. Please make sure this does not happen again.

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 2022-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Netspend Corporation
State: TX

Complaint narrative:
On XX/XX/2022 at XXXX. The company XXXX XXXX stole {$300.00} from my NetSpend XXXX account. I immediately called the bank and told them it was a fraudulent charge and to stop payment. Then proceeded to cancel my debit card and order a new one. The bank can't give me any info on the company that took my money other than it is a restaurant. No phone number, no address, no email etc. In order for me to contact them and resolve the issue. I can't find any info at all on the company either. Now it's been a week and a half and I've spoken to the bank almost everyday about this pending charge. They told me i have to wait until the charge for thru in order to file a dispute, and i have to wait 30 with it pending before returning my money. I think the bank is fraudulently using my money or stealing it. Every time i call I'm put thru a circle of the same " supervisors/mangers '' that are rude and don't want to allow me to talk to upper management at all. Then they either hang up on me or make me start all over from the automated phone system.

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 2022-03-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, a debt collector from " Midland '' named XXXX XXXX called my school ( I am a teacher ) and told my principal that I was going to be sued for non payment of a loan. He then told her that he was coming to the school to give me a summons. My principal asked him not to come to the school. She then took down his information and gave it to me. I called back immediately and talked to another debt collector for the company and explained that I DID NOT want anymore calls coming to the school. He told me that he had every right to call me at work and that he would continue to do so. The debt he was calling about was to XXXX dated XX/XX/XXXX. 

This has been extremely embarrassing and humiliating. I have never had this happen before and it caused me to look very unprofessional. Not only did it interrupt learning of my students, but I had to leave class to handle the situation. 

The number for the company is XXXX. 

Thank you.

Company response to consumer: Closed with explanation