vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-12 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: Persolve, LLC - Legal - Series 2
State: OH

Complaint narrative:
I Filed a dispute in regards to the incorrect items on my credit report. It has been well over thirty days and I Haven't Received any results to my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: CL Holdings LLC
State: OH

Complaint narrative:
I Filed a dispute in regards to the incorrect items on my credit report. It has been well over thirty days and I Haven't Received any results to my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: TX

Complaint narrative:
I need the below items disputed and deleted. 

XXXX NOT MY BANKRUPTCY XXXX NOT MY BANKRUPTCY XXXXNOT MY BANKRUPTCY XXXX  XXXX UNVERIFIED ACCOUNT-DELETE IMMEDIATELY XXXX  XXXX NOT MY ACCUNT TXU XXXX NOT MY ACCOUNT XXXX XXXX XXXX NOT MY ACCOUNT XXXX XXXX  XXXX UNVERIFIED ACCOUNT XXXX  XXXX UNVERIFIED ACCOUNT- DELETE IMMEDIATELY thank you, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Texas XXXX XX/XX/1966 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 2021-08-12 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:
I need the below items disputed and deleted. 

XXXX NOT MY BANKRUPTCY XXXX NOT MY BANKRUPTCY XXXX MY BANKRUPTCY XXXX  XXXX UNVERIFIED ACCOUNT-DELETE IMMEDIATELY XXXX  XXXX NOT MY ACCUNT XXXX  XXXX NOT MY ACCOUNT XXXX XXXX XXXX NOT MY ACCOUNT XXXX XXXX XXXX UNVERIFIED ACCOUNT XXXX  XXXX UNVERIFIED ACCOUNT- DELETE IMMEDIATELY thank you, XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: FL

Complaint narrative:
I have attached three accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus.

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 2021-08-12 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:
In XX/XX/2021 I have been disputing, inaccurate accounts on my credit file up until now currently. I sent over 8-10 dispute letters to Experian, XXXX  and XXXX  along side with my FTC report that these accounts showing on my credit it's inaccurate and its not mine how ever I sent numerous letters after that asking for verification of the accounts the said was verified, I never received that prove of verification. I went ahead and dispute with creditors but I never received any reply to my dispute I then forward all this information to the credit bureau 's and they still didn't remove the inaccurate accounts from my credit report, I then compare details of the account 's showing from all three credit bureau 's with different information reporting which I pointed out on the credit report I pull from identityiq they all was reporting different information on my credit file and with this act its hurting me and very stressful knowing I did everything correct and they still decided to report inaccurate information 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 explanation
Consumer complaint received 2021-08-12 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: IL

Complaint narrative:
I'VE SUBMITTED DISPUTES AND NEVER GOT A RESPONSE. I BELIEVE THAT THEY ARE PURPOSELY NOT WORKING ON DISPUTES WHICH IS A VIOLATION OF FCRA. PLEASE ADVISE!

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 2021-08-12 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: IL

Complaint narrative:
I'VE SUBMITTED DISPUTES AND NEVER GOT A RESPONSE. I BELIEVE THAT THEY ARE PURPOSELY NOT WORKING ON DISPUTES WHICH IS A VIOLATION OF FCRA. PLEASE ADVISE!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: MI

Complaint narrative:
They have reported the wromg balanceon my account and my credit score went down drastic 23 points. I have worked very hard to get my score where I needed it to be. This is very upsetting. Please correct the information and make sure my rights are and respected and protected

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 2021-08-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
the credit card company capital one reports one late payment for XX/XX/XXXX. 

Due to being short on hours due to covid I made that payment one day late and addressed this with customer service since for months. I sent multiple goodwill emails and anything gets denied I do understand I have a responsibility but covid hit us all hard. I made every effort to make this up and to resolve it. I never had any late payment for that account or never did I pay later afterwards in 4 years of having that card. 

I also went through divorce and had to find a place to live. the late payment made it really hard on my credit report. being from XXXX I didn't know that it would count so much in the XXXX for having that one late payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: TX

Complaint narrative:
See attached disputes that was mailed out to Lexis Nexis on XX/XX/2021 and on XX/XX/2021. Please review and respond to my attached disputes immediately. 

Thank You,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA
State: WA

Complaint narrative:
My old student loans from XXXX and XXXX continue to show up on my credit report in error. I am in the process of having my remaining student loan forgiven through the PSLF program.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
My exhusband defaulted on his credit card with XXXX XXXX. 

When my divorce judgment was finalized and filed with the court in XX/XX/XXXX, I telephoned XXXX XXXX and requested that I be removed from what I believed was our joint credit card. XXXX reported to me that it was not a joint account, but I was a signer on the account, therefore I had no authority to remove my name from the account. 

The divorce judgment clearly gives my husband all XXXX accounts. I was a joint holder of a XXXX checking account and a savings account. In that I did not sign any document to remove my name from those accounts, it would be reasonable to conclude that my exhusband used the judgment to remove my name from the accounts, therefore, XXXX is aware that I am not an owner on the credit card and that the debt was awarded to my exhusband. XXXX has willfully and intentionally reported this bad credit on my report. 

I applied for a loan and due to XXXX 's reporting of over {$24000.00} in bad credit on my credit report, was denied a fair and appropriate loan.

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 2021-08-12 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: WA

Complaint narrative:
My exhusband defaulted on his credit card with XXXX XXXX. 

When my divorce judgment was finalized and filed with the court in XX/XX/XXXX, I telephoned XXXX XXXX and requested that I be removed from what I believed was our joint credit card. XXXX reported to me that it was not a joint account, but I was a signer on the account, therefore I had no authority to remove my name from the account. 

The divorce judgment clearly gives my husband all XXXX accounts. I was a joint holder of a XXXX checking account and a savings account. In that I did not sign any document to remove my name from those accounts, it would be reasonable to conclude that my exhusband used the judgment to remove my name from the accounts, therefore, XXXX is aware that I am not an owner on the credit card and that the debt was awarded to my exhusband. XXXX has willfully and intentionally reported this bad credit on my report. 

I applied for a loan and due to XXXX 's reporting of over {$24000.00} in bad credit on my credit report, was denied a fair and appropriate loan.

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 2021-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
My old student loans from XXXX and XXXX continue to show up on my credit report in error. I am in the process of having my remaining student loan forgiven through the PSLF program.

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 2021-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
My old student loans from XXXX and XXXX continue to show up on my credit report in error. I am in the process of having my remaining student loan forgiven through the PSLF program.

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 2021-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
My old student loans from XXXX and XXXX continue to show up on my credit report in error. I am in the process of having my remaining student loan forgiven through the PSLF program.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX-Date of Inquiry XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I have a Comenity Master card. I originally applied to Wayfair and the company change the Wayfair card to a Master card a few months later. As of the 2021 I am charged 2 interest rates one for the Wayfair purchases and one for the Comenity purchase I did not receive any notification of the double interest. This doesnt seem legal, per the customer service rep the payments are split in half.. I asked if I could receive a separate bill for the 2 charges I would like to pay the Wayfair charge off ASAP I was told I can only make additional payments..on my last statement XX/XX/2021 my interest was {$89.00} my balance is XXXX Again this doesnt seem legal

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc.
State: MD

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: NC

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: LA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
This is in reference to a JetBlue Mastercard issued by BarclaycardUS. BarclaycardUS had a tech issue this week. From what I gather there is a glitch in the new card activation process. Because of this I am locked out of my account on both the app and online in addition to not being able to activate my card. Despite repeated attempts for hours on end, NO ONE is answering any of the XXXX XXXX numbers - and I have tried all of them. I just tried again and gave up after 40 minutes - this is at least the 10th time this has happened to me. If you look at the comments on the BarclayCardUS XXXX and XXXX pages you can see I am not alone. 

As far as I can see there has been no communication to the US cardholders about any of this. If I can't access my account I can't pay my bill and therefore may be subject to fees, which I will refuse to pay - and that would be fraud anyway. If I cant reach anyone I can not regain my account access. Ive been on hold for hours, and disconnected many times, so calling in to schedule a payment is useless. This is sadly among the worst client experiences I have ever had and a potential media nightmare should this gain visibility. I XXXX XXXX XXXX  a few times and received no response. However, the XXXX Barclays twitter responded but they can not help as I am US-based. I have already submitted a complaint to the US XXXX XXXX XXXX. The lack of client focus in the US is quite frankly appalling. 

I want simply to have someone remedy my issue so that I can ultimately close the account. But as it stands they are barring me from accessing or closing my account because no one is answering. There is not way to get to any human being at this company.

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 2021-08-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I Filed a dispute in regards to the incorrect items on my credit report. It has been well over thirty days and I Haven't Received any results to my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: Accounts Receivable Inc.
State: OH

Complaint narrative:
I Filed a dispute in regards to the incorrect items on my credit report. It has been well over thirty days and I Haven't Received any results to my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: I.C. System, Inc.
State: OH

Complaint narrative:
I Filed a dispute in regards to the incorrect items on my credit report. It has been well over thirty days and I Haven't Received any results to my investigation.

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 2021-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: UNITED BANKSHARES, INC.
State: DC

Complaint narrative:
I brought a ticket from XXXX but I never used it. I have been requesting a refund.

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