vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-28 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: CA

Complaint narrative:
DEAR XXXX, XXXX, TRANSUNION ; This letter is a formal request to correct inaccurate information contained in my credit file maintained by your organization. The item listed below is completely inaccurate, incorrect, misleading and is a very serious error in reporting. 

I have enclosed a list of items that is reporting negatively, inaccurately that your organization has provided to me on XXXX XXXX... Please investigate that all the items are reporting 100 % accurate between all the 3 BUREAUS.. 

Under the federal Fair Credit Reporting Act, credit-reporting agencies are required to maintain and report only 100 % accurate credit information and to investigate any claims of inaccuracy within 30 days of receiving such a claim. I respectfully request you investigate my claim. 
If after your investigation, you find my claim to be valid and accurate, I request that you immediately delete the item and supply a corrected credit profile to me. 
Additionally, within 15 days of the completion of your re-investigation, please forward to me a description of the procedure used to determine the accuracy and completeness of the item in question. 

XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-28 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: GA

Complaint narrative:
An individual XXXX XXXX Account number that I did not open is reporting on my TransUnion Credit Report as a charge off. That is not the individual XXXX XXXX account number or physical credit card that I have on record in my personal files, nor has XXXX XXXX ever contacted me about that account number. TransUnion LLC claims that it conducted a reasonable investigation which involved contacting XXXX XXXX to verify the account. That account information is inaccurate. TransUnion LLC is noncompliant and negligently violating my federally protected rights to 100 % accurate and fair credit reporting. I have requested verification numerous times on this matter from TransUnion LLC and filed several, prior complaints through the CFPB, one of which is still open. Please see the attached documents.

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 2022-10-28 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: CA

Complaint narrative:
DEAR XXXX, EQUIFAX, XXXX ; This letter is a formal request to correct inaccurate information contained in my credit file maintained by your organization. The item listed below is completely inaccurate, incorrect, misleading and is a very serious error in reporting. 

I have enclosed a list of items that is reporting negatively, inaccurately that your organization has provided to me on XXXX XXXX... Please investigate that all the items are reporting 100 % accurate between all the 3 BUREAUS..

Under the federal Fair Credit Reporting Act, credit-reporting agencies are required to maintain and report only 100 % accurate credit information and to investigate any claims of inaccuracy within 30 days of receiving such a claim. I respectfully request you investigate my claim. 
If after your investigation, you find my claim to be valid and accurate, I request that you immediately delete the item and supply a corrected credit profile to me. 
Additionally, within 15 days of the completion of your re-investigation, please forward to me a description of the procedure used to determine the accuracy and completeness of the item in question. 

1 ) XXXX XXXX  # XXXX 2 ) XXXX XXXX  # XXXX 3 ) XXXX XXXX XXXX  XXXX XXXX 4 ) XXXX  XXXX  # XXXX 5 ) XXXX XXXX # XXXX 6 ) XXXX XXXX # XXXX 7 ) XXXX XXXX # XXXX 8 ) XXXX  # XXXX 9 ) XXXX  # XXXX 10 ) XXXX  # XXXX 11 ) XXXX  # XXXX**** XXXX ) XXXX  XXXX # XXXX 13 ) XXXX  # XXXX 14 ) XXXX  lXXXX  # XXXX**** XXXX ) XXXX # XXXX 16 ) XXXX # XXXX 17 ) XXXX XXXX XXXX # XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ss # XXXX dl # XXXX phone # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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:
DEAR Experian, XXXX, XXXX ; This letter is a formal request to correct inaccurate information contained in my credit file maintained by your organization. The item listed below is completely inaccurate, incorrect, misleading and is a very serious error in reporting. 

I have enclosed a list of items that is reporting negatively, inaccurately that your organization has provided to me on XXXX XXXX... Please investigate that all the items are reporting 100 % accurate between all the 3 BUREAUS.. 

Under the federal Fair Credit Reporting Act, credit-reporting agencies are required to maintain and report only 100 % accurate credit information and to investigate any claims of inaccuracy within 30 days of receiving such a claim. I respectfully request you investigate my claim. 
If after your investigation, you find my claim to be valid and accurate, I request that you immediately delete the item and supply a corrected credit profile to me. 
Additionally, within 15 days of the completion of your re-investigation, please forward to me a description of the procedure used to determine the accuracy and completeness of the item in question. 

1 ) XXXX XXXX  # XXXX 2 ) XXXX XXXX  # XXXX 3 ) XXXX XXXX XXXX  XXXX XXXX 4 ) XXXX XXXX  # XXXX 5 ) XXXX XXXX  # XXXX 6 ) XXXX XXXX  # XXXX 7 ) XXXX  XXXX  # XXXX 8 ) XXXX  # XXXX 9 ) XXXX # XXXX 10 ) XXXX  # XXXX 11 ) XXXX XXXX XXXX**** 12 ) XXXX XXXX  # XXXX 13 ) XXXX  # XXXX 14 ) XXXX  XXXX  # XXXX**** 15 ) XXXX  # XXXX 16 ) XXXX  # XXXX 17 ) XXXX XXXX XXXX # XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ss # XXXX dl # XXXX phone # 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 2022-10-28 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: GA

Complaint narrative:
I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately.

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 2022-10-28 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: GA

Complaint narrative:
I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately.

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 2022-10-28 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: GA

Complaint narrative:
I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capital One credited a {$7600.00} check to my credit card account with a {$0.00} balance, resulting in a credit balance of {$7600.00} because they also decided to charge the {$29.00} annual fee against this check. Payment was made by mail from a title company on my behalf to my Capital One Line of Credit for {$7600.00}. The title company could not stop payment because the credit card division cashed the check incorrectly. The credit card department said the only other way to resolve the matter was to have the check mailed to me " after a waiting period and then up to 10 additional days for processing. " Both departments verified that the title company sent the statement with the correct account number and address. However, neither department had a method to resolve the mistake made by Capital One. The individual with the Capital One Line of Credit assured me the matter would be fixed when I called on day one. Three days later, the issue was not resolved, and no one had the courtesy to inform me that the transaction could not be corrected. The credit division could not transfer the funds to the correct division, nor could the funds be transferred to my bank account, nor could the funds expedited by wire transfer, XXXX XXXX or another carrier to my attention. So, in summary, Capital One made an error and refused to take responsibility by expediting the return of funds as presented for payment toward my Line of Credit. In addition, Capital One continues to charge interest on my Line of Credit while holding over {$7000.00} in an incorrect account in a credit card account with a {$0.00} balance. Upon calling the credit card to seek an update, a recorded message stated I would receive the return of the {$7600.00} in 60-90 days. It seems quite unreasonable that Capital One has no mechanism to correct a mistake made by the Credit Card division, nor can the Line of Credit division request return of funds sent to their attention. Finally, the credit card money has the ability to hold this large sum in a non interest bearing account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
XX/XX/2022 I initiated a consumer credit transaction with my SSN also referenced by congress as a credit card, pursuant 15 USC 1602. The purpose of this consumer credit transaction was to obtain a credit card, After I was invited to initiate a consumer credit transaction from NAVY FEDERAL I was denied my open-ended credit. I sent a certified letter to the company that was signed and has a return date of XX/XX/2022 with my request that the department reassess my consumer credit transaction/application and approve my application as a denial is unlawful, goes against congressional law and makes their organization civilly liable for for non-compliance pursuant 15 USC 1861o , 15 USC 1640, 15 USC 1691e and have not received any response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am a victim of identity theft. I had filed complaints to the three bureaus ( XXXX, Experian and XXXX ) on XX/XX/2022. The bureaus received the complaints but have not taken off the Unverified information from my report. 
I have also filed an Identity theft with FTC with the reference number XXXX. The Bureaus are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their first investigation, they stated in writing that they verified that these items are being reported correctly without indicating who verified the accounts. I would like to know who verified these accounts. 
The Bureaus have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to delete all information that can not be verified.

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 2022-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: FL

Complaint narrative:
This is my many attempt try to fix this issue. This account that collection is not mine even they said is accurate. Please remove this as is affected my credit report. I'm drained to this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
After, receiving an invitation from American Express to apply for a business checking account. On XX/XX/2022 I initiated a consumer credit transaction with my SSN also referenced by congress as a credit card, pursuant 15 USC 1602. The purpose of this consumer credit transaction was to obtain a business account on American Express. They claim this was a very easy process and that credit worthiness is not a factor in their decisions. I filled out the form online, and provided every document required. I was denied a new business checking, due to reasons not provided nor I never received. I sent a certified letter to the company that was signed and has a return date of XX/XX/2022 with my request that the department reassess my consumer credit transaction/application and approve my application as a denial is unlawful, goes against congressional law and makes their organization civilly liable for non-compliance pursuant 15 USC 1861o , 15 USC 1640, 15 USC 1691e and have not received any response

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
An individual American Express Account number that I did not open is reporting on my XXXX Credit Report as a charge off. That is not the individual American Express account number or physical credit card that I have on record in my personal files, nor has American Express ever contacted me about that account number. XXXX XXXX claims that it conducted a reasonable investigation which involved contacting American Express to verify the account. That account information is inaccurate. XXXX XXXX is noncompliant and negligently violating my federally protected rights to 100 % accurate and fair credit reporting. I have requested verification numerous times on this matter from XXXX XXXX and filed several, prior complaints through the CFPB, one of which is still open. Please see the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Refinanced my home mortgage, closing date XX/XX/XXXX. Wells Fargo received pay-off funds from XXXX XXXX  in excess of the amount owed ( {$1600.00} ). This over-payment occurred with my HELOC and other debtors related to the home, and all have returned by overpayment within weeks. Every time I call Wells Fargo they say next week, or 14 days. Its been 34 days since closing on my mortgage and Wells Fargo received the payout amount directly from XXXX XXXX. Please assist me with the return of the overdue funds from Wells Fargo.

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 2022-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: MD

Complaint narrative:
On XX/XX/XXXX, I received a call from Genesis FS Card Services regarding my account being past due. I provided the representative with my bank information. On XX/XX/XXXX I received an email that the payment did not go through at that time another late fee had been charged. I called Genesis FS regarding this matter and they stated the account number was invalid. I contacted my bank and they stated they did not see the payment pending or attempted. I then called Genesis FS card services to inform them and requested the previous call be reviewed as I provided them with my bank information directly from my bank website. On XX/XX/XXXX I then called Genesis FS as I did not receive the requested mail statements for XXXX XX/XX/2022 as I requested. The representative advised me my account was set up only for electronic, I informed him I have been having issues with the website since opening this account and have tried to resolve this back on XX/XX/XXXX when calling. I am very frustrated with this company and as a consumer it should not be this hard to get help paying a bill.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
It has been over a year and I am still having issues with Victoria Secret and Comenity Bank. Victoria Secret and Comenity Bank make it nearly impossible to login to my account so that I may make payments on my credit card account. For several months their website would not allow me to login using my login credentials ( email/password ) so that I can make my payments online. I called and spoke to them about this on 3 separate occasions. Today I tried to login and had the same issue except this time it allowed me to update my password. I updated my password but it still will not allow me to login using my login in credentials. When I tried to login, I got an error message saying that no account exists with those credentials ( email address ) even though the online system verified my identity with that exact same email address. At this point it is my belief that Comenity Bank the issuer of Victoria Secret credit card is purposely blocking people from accessing their online accounts so that they are unable to manage their accounts and make on time payments. I have been experiencing this issue for over a year and I have had it. I have complained to Comenity Bank and when I did the customer service representatives are unable to fix the problem. I haven't been able to see my Victoria credit card transaction history in over a year, I have no knowledge of what I'm even paying for when I go into to the store and make random credit card payments. I have no way to verify that the transactions made on the account are even mine since I can not login to my online account and they do not send an itemized transaction report when they mail out the credit card billing statement. I can not provide my credit card number because every time my status changes, from " basic member '' to " platinum member '', the credit card number changes. I haven't had used a physical credit card to make purchases in over a year and make purchases in store using my social security number instead. The last time i spoke to a representative, i asked them to send me a new card so that i could login to the Comenity Bank system using my card, they never did. This all seems fraudulent and I would like assistance in getting Comenity Bank and Victoria Secret to fix their system and reimburse me of any late fees or fraudulent charges I have incurred because of their fraudulent system.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc.
State: NC

Complaint narrative:
submitted several investigations for bureau to verify debt. Bureau continues to state information has been certified. After several request to provide proof I have not received anything verifying this debt

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation