vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-03 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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please CORRECT the following accounts in my Credit Report : XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please CORRECT the following accounts in my Credit Report : 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 2022-03-03 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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please CORRECT the following accounts in my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
The letter of incorrect and inaccurate information was sent on XX/XX/XXXX of 2022 and was received by the Bureau and do nothing about the dispute letter. Prior to this, I disputed this online. XXXX responded with a " Factual '' update without verifying accurate information that this account is valid and accurate. The bureaus are continually ignoring my disputes related to these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: AMERICA FIRST FEDERAL CREDIT UNION
State: FL

Complaint narrative:
These is not my account. ( 2 ) accounts America First Credit Union is wrongly showing 2 charged off accounts on XXXX, XXXX and XXXX. 

Please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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:
I have a loan with the accounts below. I have always made my payments on time. Ive contacted the bank about the issue & they agreed to mark it as paid as agreed -- - never late. I believe their records are wrong & Id like this matter handled ASAP. Please update the accounts immediately and remove negativity. 

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 2022-03-03 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: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. I would like them to remove from any affiliation with me immediately. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-03 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: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. I would like them to remove from any affiliation with me immediately. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. I would like them to remove from any affiliation with me immediately. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : 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 2022-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Infinity Capital Group, LLC (CO)
State: NY

Complaint narrative:
I reviewed a copy of my credit report and INFINITY CAPITAL LLC DBA ran an unauthorized credit inquiry on me on XX/XX/2022. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact INFINITY CAPITAL LLC DBA and investigate such occurrence.

Company response to consumer: Untimely response
Consumer complaint received 2022-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Chase cashed a stolen check and wont refund my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I noticed three fraudulous accounts on my consumer report in XXXX of 2021. I have made numberous calls to Transunion to have these accounts removed with no avail. I have called and have been transferred to their fraud department and told to call the " original creditors '' to ask for a letter of deletion, but when I call the companies they say they can not provide me with such letter because I do not have an open account with them. I have called transunion back explaining what the companies have told me and they tell me I have to have a letter of deletion from them even though that is not possible. It is so frustrating that transunion has not removed these fraudulous accounts from my report. I did not try to open them and I want them removed as soon as possible. 

The accounts sare as follows : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXX ) XX/XX/2021 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
Consumer complaint received 2022-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened citi XXXX account on line on XX/XX/XXXX, XXXX transferring {$51000.00} via ach bank transfer from XXXX  XXXX XXXX. Soon after 2 weeks they blocked the account. I have call at least 5 different times without any response from the bank about reasons for blocking. I requested to close the account so I can receive my deposit back. Bank stated that when we close the account we will send the deposit money check to you. It has been over 2 and half months and check has not been mailed. They refused to discuss further. I told them I am retired and I need the money and their response on XX/XX/XXXX was that " sorry, we have to disconnect your call ''.

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 2022-03-03 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: CA

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please ELIMINATE the following accounts completely from my Credit Reports : XXXX XXXX, XXXX XXXX, XXXXXXXX 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 2022-03-03 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: CA

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please ELIMINATE the following accounts completely from my Credit Reports : XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: CA

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please ELIMINATE the following accounts completely from my Credit Reports : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX 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 2022-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
I was giving an opportunity of extension of payment on my car payment account and after paying the fee I was sent an email to confirm the program, I never received the email because they sent it to the wrong email which was their fault so 32 day went by and it was reported but I said the fee before the lateness and I lost XXXX points on my report I called to explain my situation they released it was their fault and they told me it would take 30-45 days to fix this problem. and I don't think it will happen. aim in the process of buying my first home

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: NC

Complaint narrative:
I relocated XXXX, called XXXX for my final bill went pd bill ( est ) {$31.00}, turn equip in got receipts for both then filed them away.1yr later XXXX check my XXXX XXXX letter {$410.00} due to XXXX I call # on letter talk with guy, he said I owed, I gave him my receipts numbers, the conversation ended with him taking care of it, good to go. Almost yr later XX/XX/XXXX trying XXXXonmake a life purchase, only to find out that XXXX is on my credit report negatively. I now have no proof but the conversation between the office guy and myself. Who will believe me, I put my trust in someone behind a desk/phone to be honest. I threw away my XXXX file after the conversation that day and today it looks as if I've been paying for it. If the findings are not for me what can I do to get this erased from my credit report, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
Due to my late brother 's sudden death, I had to take over his affairs and pay his final bills, This was done at the expense of my being unable to pay my mortgage and granted a COVID-Relief Plan. Before the Relief Plan ended on XX/XX/XXXX, I applied for a loan modification on XX/XX/XXXX. In the meantime I sold my brother 's property on XX/XX/XXXX. However, the closing fell through four times, before finally closing on XX/XX/XXXX. Once I received the funds, on XX/XX/XXXX, I contacted SLS, to get the total past due amount owed, on my mortgage account. It took one week to receive this " past due amount '' to bring it current. On XX/XX/XXXX, I was given the total amount due, and immediately sent the {$6000.00} by Registered Mail to SLS in XXXX XXXX, CO. I received notification that it was indeed received, on XX/XX/XXXX, ahead of the XX/XX/XXXX deadline date on which the stated amount would expire at midnight on XX/XX/XXXX. However, when I called today, in response to a statement that does NOT reflect my {$6000.00} payment and there is now an additional charge of {$330.00} on that account which is due. When I questioned the agent as to WHAT this was for, she stated, {$300.00}. property inspection fees and {$2.00} inspection fees. No mention of WHAT the additional {$30.00} was for. 
In the first place, I have NEVER received ANYTHING from SLS stating that they were sending my home to Foreclosure. NOTHING whatsoever. They are required to SEND ME that information, by law, but to date, I have received NOTHING on this. Instead, they have charged my account an additional {$330.00} and I am DISPUTING that amount. The total amount that I paid, {$6000.00} included ALL fees and that amount was GOOD through XX/XX/XXXX. I PAID that amount in full, on XX/XX/XXXX and immediately sent it by Registered mail, on XX/XX/XXXX. I received confirmation that it had been received on Friday, XX/XX/XXXX at their XXXX XXXX, CO location. There should be NO FURTHER charges to this account. NO property inspection fees were ever done, as it had just been referred to Foreclosure on XX/XX/XXXX. I called on XX/XX/XXXX to get the total past due amount to send. I was told that it takes one week to generate that amount. I paid the {$6000.00} amount in FULL on XX/XX/XXXX and it was received on XX/XX/XXXX and I should be given credit for that amount. No further amount is due on this account. I do feel that I am being harassed by this SLS because I am a XXXX XXXX and SLS knows that they can " Get away with doing this ''. PLEASE help me put a STOP to this abuse and harrassment of XXXX by SLS. 

No wonder this Specialized Loan Servicing has such a bad reputation for taking advantage of Mortgagees. Just read their Reviews. It is NOT right to treat mortgagees in this manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Management Outsourcing, Inc.
State: AL

Complaint narrative:
Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Where is my signed HIPPA form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with explanation