vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-02 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: DE

Complaint narrative:
XXXX and Transunion are reporting a late payment to XXXX for the month of XXXX. This is totally incorrect and should be updated immediately. My original dispute was to remove a late payment for this account in XX/XX/XXXX ( not XX/XX/XXXX ) which is currently being disputed by credit card company as well. This is effecting my credit score and I'm tired of going back/forth with these credit bureaus inaccurate reporting. I am attaching copies of XXXX and Transunion reporting along with my credit card statement clearly showing payment for XXXX. I HAVE NEVER BEEN LATE WITH THE CREDIT CARD. And, after speaking with the credit card company, they agreed as well -- never late -- and are currently disputing this item as well. However, the credit bureaus should delete late reporting immediately! 

As a consumer, my rights are being violated by these credit bureaus and they should be reprimanded for such acts. According to 15 U.S.C. Section 1681A - ... " unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the bank 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 non-monetary relief
Consumer complaint received 2022-05-02 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: TX

Complaint narrative:
I have called XXXX multiple times to report correctly and erase my balance. I paid it off in XXXX and it keeps reporting I havent paid. They say they will fix it, but I havent seen a change. I asked Experian to fix the report and they just disputed it again! I have disputed and called multiple times throughout the past 5 months with no change.

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 2022-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Beginning of XX/XX/2022 I noticed the someone was charging XXXX fares to my XXXX with Bank Of America, this to the tune of over {$13000.00}. It happened within a two week period. I immediately informed Bank of America of the problem. It closed the account and issued a new card for me and my husband. I received the new cards after I had to call several times and talk to mostly incompetent associates. 
On XX/XX/2022 Bank Of America informed me that they had received my claim and asked I fill out a form listing the fraudulent charges. I did so, even copied my statement and highlighted all the charges in question. 
As an aside, within the 2 weeks the fraudulent charges were made ( sometimes XXXX XXXX fares in a day for hundreds of dollars ) the bank never alerted me that something unusual was happening to my account. Neither did the bank alert me when my account went over my credit limit by {$6000.00}!. I asked for an explanation but got non. 

On XX/XX/XXXX, I received a letter from Bank America stating the the bank was issuing a temporary credit of {$13000.00} while they conducted their research in the matter. That credit was never issued. Nevertheless, the bank started issuing credits for individual XXXX charges starting on XX/XX/2022. These individual credits to my account stopped on XX/XX/XXXX, leaving {$7500.00} of fraudulent charges on my account. 

On XXXX XXXX I received another letter from Bank America informing my that my claim had been resolved and they closed my case. There were still the {$7500.00} charge on my account, therefore I started calling the Bank of America Fraud office as well as its claims department. The several associates I talked to agreed with me that this was a mistake and that my claim would be reopened within 48 hours. On my last call on XX/XX/XXXX, the associate assured me that Bank Of America would solve my problem within 48 hours. After communicating with all these people over the telephone and not getting any help I am facing a huge sum of money I am supposed to pay by XX/XX/XXXX. I no longer know who to turn to for help in this matter. Most branches of Bank of America are closed or only open by appointment to conduct routine business, not address my claim. I hope you can direct me to a place where I will get help in this matter.

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 2022-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: SC

Complaint narrative:
The debt is paid and full though several deposits of credit from my vendors to XXXX Bank. No checks have been forwarded to me nor my business as a credit, therefore was received by XXXX Bank. 

I am not aware of who this collection agency is and have never done business with them. This should be removed from all of my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I applied and requested extension on my mortgage payment during covid. I am now under repayment plan, however, Shellpoint Mortgage is reporting my account as delinquent. I have already called them and I have been told that this account will be reported as delinquent for the reminder of the repayment plan. 

The CARES Act, which was signed into law on XX/XX/2020, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances. ( See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) Shellpoint Mortgage, however, is reporting the account as delinquent when based on care act the debt should be reported as current because Shellpoint has agreed to sign me up for a repayment plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2022-05-02 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2022-05-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
The problem is from XXXX. 
We have this Macys account with a balance of {$900.00}, my husband issue a cashier check for {$900.00}, and it was applied to the account. According to Macys the payment was reversed and the cashier check returned, but it was not returned to us. I have a receipt of the payment and letters sent to Macys, while the research was going on, I continue paying the account up until XXXX and then Macys placed a derogatory in my credit report. 
I called Macys corporate and according to them, they are not handling the account anymore, and can't do anything about it, Macys will not tell me who I need to talk to and resolve this issue. 
Cashier check issued on XX/XX/XXXX ( I have receipts ). 
XX/XX/XXXX sent a fax to Macys payment research dept. 
XX/XX/XXXX Macys sent a letter that they were investigating and will notify with the resolution. 
XX/XX/XXXX Macys sent another letter to contact customer service. 
We have make lots of calls to XXXX talked to different persons and recently to XXXX. 
Hopping it will be finally resolved.

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 2022-05-02 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: VA

Complaint narrative:
Last XXXX XXXX, 2021, I sent out my dispute letter to you and its been over 5 months now, and I havent received any response from you yet. As far as I know, under section 611A, you are legally obliged to respond to my dispute letter within 30 days. However, up to this day, I received nothing from you which is ridiculous. This is in fact a clear violation and negligence on your part. Just so you know, I am keeping records of everything and should you continue to ignore my disputes, I am going to seek litigation for all the troubles youve caused me. I am trying to have these errors corrected for my family, but you seem to be not interested in helping me get this done. My information was impacted by the Equifax data breach and may have gotten into the hands of the wrong person and it's your obligation to fix all these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act. XXXX Account has violated my rights. 
XXXX THIS XXXX XXXX  XXXX REMOVE ALL LATES XXXX  XXXX INQUIRY XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT XXXX TN CHILD SUPPORT 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-05-02 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act. XXXX Account has violated my rights. 
XXXX THIS XXXX XXXX  XXXX REMOVE ALL LATES XXXX  XXXX INQUIRY XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT XXXX TN CHILD SUPPORT 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: TX

Complaint narrative:
Trans Union is reporting lots of inaccuracies in my report. I have been sending letters to since XXXX Transunion - 1st Letter XX/XX/XXXX - 2nd Letter XX/XX/XXXX - 3rd Letter XX/XX/XXXX It is over 120Days and no response or report of investigation, i believe nothing has been done about it This is absolutely not acceptable. The report has caused me great distress and XXXX. 
According to the FRCA Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted immediately.

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 2022-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: Netspend Corporation
State: CO

Complaint narrative:
I have recieved 3 SEPERATE overdraft charges for {$20.00} each totaling {$60.00} and even tho I have correctly abided by the overdraft policy by paying back the overdraft amounts by the next day, I am still being charged the overdraft fees and after speaking to two representatives and one supervisor I am still unable to recover these incorrect fees.

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 2022-05-02 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: TX

Complaint narrative:
I have called XXXX multiple times to report correctly and erase my balance. I paid it off in XXXX and it keeps reporting I havent paid. They say they will fix it, but I havent seen a change. I asked XXXX to fix the report and they just disputed it again! I have disputed and called multiple times throughout the past 5 months with no change.

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 2022-05-02 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: TX

Complaint narrative:
I have called XXXX multiple times to report correctly and erase my balance. I paid it off in XXXX and it keeps reporting I havent paid. They say they will fix it, but I havent seen a change. I asked XXXX to fix the report and they just disputed it again! I have disputed and called multiple times throughout the past 5 months with no change.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: National Credit Systems,Inc.
State: NC

Complaint narrative:
I've notice on my credit report that my address is reporting incorrectly. I've tried numerous of times to dispute the inaccurate address from my consumer report and the company did not comply with changing my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: EQUIFAX, INC.
State: DE

Complaint narrative:
I did not give consent for these inquires. These are unauthorized inquiries please delete immediately. Also, this late payment isn't correct. The company made an error, please remove late payment as it is inaccurate and hindering my ability to obtain employment and obtain a new job.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX, I recently checked my consumer report and noticed inaccurate reporting by a company called XXXX XXXX XXXX XXXX  '' reported by TRANSUNION, a credit reporting agency bound by FEDERAL LAW to furnish ONLY ACCURATE information WITH consent from the consumer on which it is reporting. I never provided XXXX XXXX XXXX  nor TRANSUNION to contact, share or furnish ANY of my private personal information, especially unverified information. Under US code Title 15 Chapter 41 Subchapter V 1692g Part b, this alleged debt is now officially in dispute. By law, all collection activities must cease until this matter is resolved. You are hereby given notice. Blatant disregard for this law is subject to fines by the FTC. You are advised to consult legal counsel in this matter. In the event that this alleged debt is not validated by you as required by FEDERAL LAW, you have a legal responsibility to terminate the claim and correct ANY negative credit reporting that may have been made in connection with this alleged debt.

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 2022-05-02 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: TX

Complaint narrative:
In accrdance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish am account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is reporting lots of inaccuracies in my report. I have been sending letters to since XXXX Experian - 1st Letter XX/XX/XXXX - 2nd Letter XX/XX/XXXX - 3rd Letter XX/XX/XXXX It is over 120Days and no response or report of investigation, i believe nothing has been done about it This is absolutely not acceptable. The report has caused me great distress and XXXX. 
According to the FRCA Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted immediately.

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