vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-17 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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

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 2022-02-17 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: CA

Complaint narrative:
I would like all accounts erased off my report that does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: NY

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint 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 2022-02-17 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: Chime Financial Inc
State: AR

Complaint narrative:
I have a debit card through Chime bank card. I filed a dispute with a company that I have patronized weekly/ bi-weekly with my debit card. I got services from the merchant, XXXX XXXX, in XXXX XXXX, XXXX. On XX/XX/2022, I got a full, fresh new acrylic nail set. This set is supposed to last XXXX XXXX XXXXXXXX weeks before needing a fill. Within the first week my nails were splitting. This is not normal because I have been getting my nails done for XXXX XXXXXXXX years. The nails were just not done correctly. They were filed unevenly, not enough acrylic added, gaps, lifting and therefore causing damages to my real nails. The nails were hurting and splitting in the middle of my real nail bed, I was advised to cut the nails off. My nails have to be manicured at all times for business purposes. I have a business and have lost money due to me not being able to get my nails done. I have to let the damages to my real nails grow out before getting them redone. I can not take pictures and have lost revenue. I opened a dispute with Chime Monday, XX/XX/2022, and Chime closed the dispute before the thirty days were expired not following the Federal trade Commission 's policy for disputes. The dispute was to be opened until XX/XX/2022. The dispute was closed before giving me any details.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Western Portfolio Assets
State: CA

Complaint narrative:
XXXX of XXXX XXXX XXXX spoke with me by phone on XX/XX/XXXX about a Debt she claimed I owe to XXXX credit card from XXXX, in the amount of {$6000.00}. When I asked that she have proof of this debt mailed to my home address, XXXX told me " it would be too expensive to mail be proof of the debt to me ; and that the lawyers would prefer to file a lawsuit. '' XXXX continued to say " proof of the debt would be shown to me during my day in court, where interest and collection fees would be added to the debt and shown '' to me. According to XXXX of XXXX XXXX XXXX, the debt could be settled for the amount of {$3000.00}. 
I told XXXX that this debt is outside of the statute of limitations to collect and that this debt is not listed on my credit report. XXXX XXXX response was " that is not true '' ; she also continued to say that " this debt would be returned to my credit report in XXXX after a judgement is placed against me ''. I informed XXXX " I have not been served for any civil matter ''.

Company response to consumer: Untimely response
Consumer complaint received 2022-02-17 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: CO

Complaint narrative:
on XX/XX/2021 I sent Credit Collections a dispute to remove a PAID medical collection. I informed them that it falls under The Medical Debt Relief Act : Per Federal LAW it states : " paid-off and settled medical debts must be removed from credit reports that have been fully paid or settled ''. 

Since Credit collections didn't respond, I sent XXXX, Transunion, and XXXX a dispute stating the same thing, XXXX removed it however, I still have not received a response from Transunion or XXXX. 
Transunion updated comments to this : Account information disputed by consumer, meets XXXX  requirements. I'm confident that this is also a violation of the XXXX  considering no investigation was done. 

This is a violation of federal law and must be removed. It has yet to be removed, nor have they responded 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 non-monetary relief
Consumer complaint received 2022-02-17 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: CA

Complaint narrative:
I would like all accounts erased off my report that does not belong 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 non-monetary relief
Consumer complaint received 2022-02-17 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: CA

Complaint narrative:
I would like all accounts erased off my report that does not belong 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 2022-02-17 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: AL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section XXXX ( XXXX ), it is plainly stated that a failure to investigate these items within XXXXdays gives a reason to immediately remove those items from my credit report it has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: CITIBANK, N.A.
State: FL

Complaint narrative:
RE : XXXX XXXX XXXX XXXX Complaint # XXXX Macys account ending in XXXX ( closed ) On XX/XX/2021 I have received Macys response XXXX fraudulent macys account. On this letter the company stated that the account has been verified and it belongs to me. On XX/XX/XXXX of XXXX I've received a letter in the mail from macys regarding this same account, but this time Macy stated that they will investigate the issue. It's now XX/XX/XXXX and still no update. I will attached additional information regarding this fraudulent account.

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 2022-02-17 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: CA

Complaint narrative:
XXXX XXXX Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: FL

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

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 2022-02-17 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: CA

Complaint narrative:
On XXXX I initiated a dispute with Experian representative XXXX XXXX case # XXXX ) requesting an investigation into the XXXX XXXX XXXX account being reported inaccurately on my credit file. On XXXX I received an email notification from Experian informing me my dispute results were ready. Upon checking the dispute results, Experian had concluded the account was verified as accurate and elected to make no changes to the disputed account. I challenged Experian 's findings and requested in writing in a certified letter, their method of verification and an explanantion of how Experian 's investigation resulted in that conclusion. As per the XXXX, Experian had XXXX days to respond to my letter. As of XXXX I have not received a response from Experian re : their method of verification. Because Experian has not responded to my request for their method of verification, I do not believe a thorough investigation was conducted and the account in question was not actually verified. Per the XXXX, as a consumer I am entitled to all the information in my consumer files as well as the source of that information. Experian 's inaction and failure to comply with the XXXX is a direct violation of federal law and my consumer rights. With the assistance of the CFPB, I am requesting Experian provide me with the contact info of the person ( XXXX ) ( name, address, email, phone # ) who personally verified the disputed account Experian was supposed to be investigating. As stated in my written letter to Experian, I do not consent to XXXX verification and am requesting actual contact information of a real live person who Experian verified the account with.

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 2022-02-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: GA

Complaint narrative:
I processed a payment from a client on the Square App on XX/XX/22 and was instructed to verify my banking and business information. My information was verified but a few days later I received an email stating that my account has been deactivated and my funds are being held. There has been no explanation as to why my funds are being held and when I tried to call to inquire I was blocked from any management. On a recorded line I was told that every upper manager or supervisor refused to take my call. I was coerced into giving personal information just for them to steal from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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:
I XXXX XXXX XXXX am personally submitting this complaint. Please see attached documents supporting my complaint and demand.

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 2022-02-17 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: AL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : ALL IN 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 2022-02-17 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: CA

Complaint narrative:
XXXX XXXX Department : Remove fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners
State: NC

Complaint narrative:
I am a federally protected consumer. This company hired another company to collect an alleged debt. This company gave this company my personal information which as a consumer is private. Pursuant to 15 usc 1692c, this company communicated with a third party about this alleged debt without my consent. This company is in violation of consumer law pursuant to title 15 chapter 41.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: SC

Complaint narrative:
The Equifax credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. 

XXXX XXXXBalance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXXBalance : {$64.00} XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX Balance : {$200.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXXBalance : {$62.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$160.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I'd suffered a brain injury and had been given a predatory credit card. It was in the amount of $ XXXX managed to pay that back -- in full -- and yet Captial One continued to leverage on late fees, XXXX XXXX. I let them know of my injury. During that time, I was brought to a time of XXXX. While EVERY OTHER credit card was turned off, Capital One kept pyramiding. FOR AN ENTIRE YEAR, I find out. ( XX/XX/XXXX - XX/XX/XXXX ) In XXXX, having healed enough to get myself housed again, I was served. Capital One was XXXX  me for -- TO MY SHOCK -- {$300.00} from the UNSTOPPING AND UNRELENTING FEES. Now, I'm paying legal fees to defend my paycheck, of less than XXXX months, from their XXXX  and malicious actions. 

I simply can not understand how or why a company would continue with a credit card after I had told them of my brain injury and YEARS OF NON-PAYMENT due to my XXXX. There's something very wrong here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: PA

Complaint narrative:
I got approved for a XXXX loan with Caliber Home Loans but an agent called me to deny me the loan. He said my score was too low. I said they can't deny me credit after it got approved, they are in a fiduciary obligation and anyway I was going to pay the loan in a short period of time, but he still refused to give me my loan and hung up on my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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 — Problem with personal statement of dispute
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
We were asked concerning a Statement we had attached to our mortgage credit reporting, to now request from the provider the documents that confirms what is being reported to the credit bureaus on the XXXX year / XXXX month terms that is being reported for our mortgage credit accounts. 

Also, a request for a copy of the signed document that has the word " XXXX  '' on it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: SC

Complaint narrative:
The TransUnion credit reporting agency ( XXXX ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the XXXX XXXX XXXX XXXX XXXX XXXX and Account Management Policy. And the second being the XXXX, which requires all reporting to be XXXX XXXX accurate. If the information is NOT XXXX XXXX accurate it must be deleted from the agencys report. The following information listed below is inaccurate. 

XXXX XXXXXXXX XXXX XXXX : {$3200.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$150.00} ; XXXX XXXX XXXXXXXX Balance : {$130.00} ; XXXX  XXXX Balance : {$200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$610.00} XXXX CREDIT COLL ( Original Creditor : XXXX ) XXXX : {$62.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX {$160.00} ; XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX FS XX/XX/2021 ; XXXX XXXX XX/XX/2021

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