vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My credit report is STILL reporting inaccurate and incomplete information months after I have disputed and made these issues aware to not only the bureaus, but the creditors!!! Why are you guys not actually investigating these issues and you keep willfully reporting incorrect information on my credit report which is keeping me from doing so many things in my life!!! Why are you doing this to me?? 
XXXX XXXX TransUnion XXXX  XXXX  Account # : XXXX XXXX There are at least 3 additional data fields that are reporting inaccurate across 2 bureaus Date of first delinquency is reporting inaccurately across 2 bureaus.

There is no notice of previous dispute.

The creditors name is truncated and unidentifiable.

The account number is truncated and unidentifiable.

The account has been charged off but, it is still reporting incorrect payment history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 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: VA

Complaint narrative:
On XX/XX/XXXX I mailed in a full Metro 2 Compliant Challenge Complaint on the credit profile under my name that is listed with the Credit Reporting Agency. I did not receive any response to my Challenge from the Agency and it has been over the allotted 30 day investigation period.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC
State: FL

Complaint narrative:
Veterans United and XXXX XXXX. Recently I applied and was granted a preapproval for a loan up to {$170000.00} from Veterans United. I am retired, senior citizen, a veteran ( of course ) and a recent widower over the age of XXXX. I now live in Florida ( XXXX XXXX area ). I have limited income to include SS and a small pension. I told them what I was looking for, a condo 1-2 bedroom, etc. They were given my personal information, income, etc. and as stated approved for {$170000.00}. Over 90 % of homes sold in Florida have a HOA. After several days of shopping for a home, I was told by XXXX XXXX ( Loan Officer ) that I would need to deduct from the approved {$170000.00}, {$10000.00} for every {$60.00} of HOA. I never heard of such stupidity, especially here in Florida, the retirement state. The average HOA here is near {$400.00} and can be thousands. This added requirement ( which was not told to me up front ), destroyed my ability to obtain a decent condo, at a decent price, and added to that, they would not even mortgage a mobile home ( which could of been a savor ). I had to pull out and cancel the application ( after messing up my credit for no reason ). My second complaint is with XXXX XXXX wh

o three years ago back out of closing the week the wife and I was about to purchase a home without explanation. It left the wife and I homeless, we had already closed on our previous home and had no where to go. I had to rent a apartment and store my furniture for months. These two companies are a joke and its not fair to any Veteran to be treated like this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
My credit report is STILL reporting inaccurate and incomplete information months after I have disputed and made these issues aware to not only the bureaus, but the creditors!!! Why are you guys not actually investigating these issues and you keep willfully reporting incorrect information on my credit report which is keeping me from doing so many things in my life!!! Why are you doing this to me?? 
JPMCB CARD XXXX XXXX XXXX Account # : XXXX XXXX There are at least 3 additional data fields that are reporting inaccurate across 2 bureaus Date of first delinquency is reporting inaccurately across 2 bureaus.

There is no notice of previous dispute.

The creditors name is truncated and unidentifiable. 
The account number is truncated and unidentifiable. 
The account has been charged off but, it is still reporting incorrect payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Hey guys! There are still inaccuracies on my credit report. For example, this account has two different account numbers. Now, If you have already done an investigation, I want to know how you missed an error like this? 
XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX The date of first delinquency is inaccurate. 
The name of the creditor is truncated and unidentifiable. 
The account numbers are incorrect, truncated and unidentifiable. 
The payment history has been reporting incorrectly for many years now. 
There is no notice of dispute. 
And there are at least 3 other issues that I will not name at this point as I would like you to actually do an investigation. 
I do not understand why you wont investigate my account?!!!! What's the problem? You are literally ruining my life by reporting these old accounts that are just burdening the both of us.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pressler & Pressler, LLP
State: NY

Complaint narrative:
I have been repeatedly charged interest by this collections agency when I have enrolled the company in national debt relief months ago. They already know I can't do anything else they failed to sue me a while ago because all I receive is SSI. Now I haven't enrolled with national debt relief with less than they say I owe now because they keep racking up the interest I don't even think they're looking at this settlement attempt! Every other collection agency has been fine but these people keep reporting collections increase for my credit report every month! I'm trying to settle this debt they are not making it any good experience

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 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: EQUIFAX, INC.
State: VA

Complaint narrative:
On XXXX, 2021 I mailed in a full XXXX XXXX Compliant Challenge Complaint on the credit profile under my name that is listed with the Credit Reporting Agency. I did not receive any response to my Challenge from the Agency and it has been over the allotted 30 day investigation period.

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

Complaint narrative:
I have sent in a letter in the middle of XXXX addressing the problems with my credit report and they were not all addressed. I am devastated that they have included the information in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. They are violating many of my rights and are civilly liable. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they were required by federal law to verify, through the physical verification of the original signed consumer application, any and all accounts that you post on a credit report. Although they did not supply the contract like I asked, in response, they have sent back documents stating factual evidence to support their assertion ( a violation of 15 USC 1681 ( a ) ( 3 ) ( e ) ) and did not interview my friends, family, neighbors, or associates like the law requires in 15 USC 1681 ( a ) ( 3 ) ( e ) under the exclusion section. They are also in violation of 15 USC 1681 ( a ) ( 2 ) ( b ) under the exclusion section. Congress says anything that extends or was authorized from a credit card or similar device should be excluded from a consumer report. A " credit card '' is, in fact, not an XXXX XXXX or XXXX credit card because the actual definition says " any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' Also known as my Social Security Card, Driver 's license, and more. They have failed to realize these mistakes on their behalf and should remove these items immediately. They have also failed to recognize that only I, the original creditor, can verify. Please act upon this matter and thank 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 explanation
Consumer complaint received 2021-08-08 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: NJ

Complaint narrative:
Great day, I purchased a car from XXXX XXXX in XX/XX/XXXX. The car was having a safety issue that the dealership XXXX XXXX XXXX XXXX XXXX along with XXXX 's support team could not fix. With help from NJs Lemon Law Team through New Jersey division of consumer affairs. A final attempt of repair was made in XX/XX/XXXX. The problem still persisted. A repurchase offer was made in XX/XX/XXXX by XXXX XXXX a Senior Specialist Customer Resolution & Retention with XXXX XXXX XXXX XXXX ( which owns XXXX ), and the closing coordinator was XXXX XXXX An agreement was made in XX/XX/XXXX, and the account was placed in a protective status through XXXX. I made a XXXX XXXX payment, but XXXX XXXX requested a check from XXXX because the account was placed in a protective status. The car was returned on XX/XX/XXXX because of the defects and all monthly payments and upfront costs at the time of the sale were refunded ( except for XXXX XXXX payment ). The account was closed once paid off by the XXXX retention team. But it placed two monthly payments that were in a protective status as 30 days late. This information is false and doesnt follow the Fair credit reporting act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Public record information inaccurate
Company: Nelnet, Inc.
State: TX

Complaint narrative:
When XXXX  XXXX  claimed to have taken over my loan from XXXX, I sent two certified letters requesting debt validation. It wasn't until I filed a CFPB claim that they responded with the requested information. During the debt verification request period, XXXX XXXX  continued calling and texting me on a regular basis to collect on the unverified loan. I explained to them what was going on and unless they were calling me with an update of the loan verification paperwork, I didn't want to speak with them. I asked them to stop calling me. After 3 or 4 months of not making payments and not having the loan verified, they reported a missed payment on my credit report. According to the protections under the FCRA, XXXX XXXX was in violation of the FCRA by contacting me to collect payment during the loan verification process and incorrectly reported missed payments on my credit report. Once the loans were verified, I paid all past due amounts and my loan is current as of XX/XX/2021 & has been since the loan was verified. I requested that XXXX XXXX correct the incorrect information on my credit report and they sent a letter saying that they do not offer courtesy credit reporting retractions & that they are not required to investigate certain disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC
State: SC

Complaint narrative:
Assetcare LLC flagged my credit reports with unverified medical collection information on XX/XX/2021. A dispute was filed with all 3 major bureaus and this account was removed from XXXX  and XXXX  immediately. 
XXXX  verified the information as accurate and Assetcare flagged my XXXX  credit file again with the same information on XX/XX/2021. 
I have decided to conduct my own investigation. I have never experienced a debt collection company : add their account to my credit file violating my HIPPA rights with unverified information, providing no contracts to prove I received any goods or services to support their claim that I actually owe a debt while failing to provide where they received my information. 
Please be advised that Assetcare LLC is not licensed to collect in my state, Assetcare are debt collectors with no contracts to support their claim of a debt owed Assetcare are not accredited by the XXXX  nor, does Assetcare have a XXXX 's number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-08 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Hey guys! There are still inaccuracies on my credit report. For example, this account has two different account numbers. Now, If you have already done an investigation, I want to know how you missed an error like this? 
NAVY FCU XXXX XXXX XXXX Account # : XXXX XXXX The date of first delinquency is inaccurate. 
The name of the creditor is truncated and unidentifiable. 
The account numbers are incorrect, truncated and unidentifiable. 
The payment history has been reporting incorrectly for many years now. 
There is no notice of dispute. 
And there are at least 3 other issues that I will not name at this point as I would like you to actually do an investigation. 
I do not understand why you wont investigate my account?!!!! What's the problem? You are literally ruining my life by reporting these old accounts that are just burdening the both of us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-08 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: MD

Complaint narrative:
Hey guys! There are still inaccuracies on my credit report. For example, this account has two different account numbers. Now, If you have already done an investigation, I want to know how you missed an error like this? 
XXXX XXXX XXXX  Experian XXXX  Account # : XXXX XXXX The date of first delinquency is inaccurate. 
The name of the creditor is truncated and unidentifiable. 
The account numbers are incorrect, truncated and unidentifiable. 
The payment history has been reporting incorrectly for many years now. 
There is no notice of dispute. 
And there are at least 3 other issues that I will not name at this point as I would like you to actually do an investigation. 
I do not understand why you wont investigate my account?!!!! What's the problem? You are literally ruining my life by reporting these old accounts that are just burdening the both of us.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I have been repeatedly charged interest by this collections agency when I have enrolled the company in national debt relief months ago. They already know I can't do anything else they failed to sue me a while ago because all I receive is SSI. Now I haven't enrolled with national debt relief with less than they say I owe now because they keep racking up the interest I don't even think they're looking at this settlement attempt! Every other collection agency has been fine but these people keep reporting collections increase for my credit report every month! I'm trying to settle this debt they are not making it any good experience

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 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: VW Credit
State: NJ

Complaint narrative:
Great day, I purchased a car from XXXX XXXX in XX/XX/XXXX. The car was having a safety issue that the dealership ( XXXX XXXX XXXX ) along with Audi 's support team could not fix. With help from NJs Lemon Law Team through New Jersey division of consumer affairs. A final attempt of repair was made in XX/XX/XXXX. The problem still persisted. A repurchase offer was made in XX/XX/XXXX by XXXX XXXX a Senior Specialist Customer Resolution & Retention with Volkswagen group of America ( which owns Audi ), and the closing coordinator was XXXX XXXX An agreement was made in XX/XX/XXXX, and the account was placed in a protective status through XXXX. I made a XXXX XXXX payment, but XXXX XXXX requested a check from Audi because the account was placed in a protective status. The car was returned on XX/XX/XXXX because of the defects and all monthly payments and upfront costs at the time of the sale were refunded ( except for XXXX XXXX payment ). The account was closed once paid off by the Volkswagen retention team. But it placed two monthly payments that were in a protective status as 30 days late. This information is false and doesnt follow the Fair credit reporting act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MRS BPO, LLC
State: MO

Complaint narrative:
Mrs associates damaged/threatened my credit score by making false statements/accusations of false debt owed. On more than one occasion. This interfered my ability to obtain a home a car and employment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I applied and received a Credit card from " Best Buy '' store. The interest rate/APR, I agreed was 6 %. 
The Credit card issuing Bank, CBNA/Citi Bank, has began to charge the APR/interest rate 25.24 %, since XXXX. They did not informed me. I appealed and requested to reduce the interest rate. They did not consider. 
My Credit Card Balance, on XX/XX/XXXX, was {$570.00}. 
It has increased upto {$710.00}, as I stopped payments since XX/XX/XXXX. 
The Bank did not accept/consider my request to reduce the APR reasonably or as I initially, agreed rate of 6 %. 
Further, There was a Fraudulent transaction, which has not removed from my account., and the CBNA charge the interest for that amount. ( I did not recognise the continued APR )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rozlin Financial Group, Inc.
State: MI

Complaint narrative:
Started free trial with XXXX, canceled within 7 days and was notified by XXXX that Michigan does not do free trials that the had advertised. Canceled subscription. Then received bill from collectiok agency for over {$200.00} stating subscription fees due but subscription was canceled within 7 day period and never anywhere stated amount due was this much.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 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:
The United States Bankruptcy Courts have said they do not report on credit reports. The Bankruptcies are not mine and should be deleted. I have tried several times.

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