vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
I have two accounts that are being serviced by the Credit Protection Plan Administrator at XXXX XXXX XXXX for my Milestone card and Destiny card. Each month I made payments to a feature that was to cover my payments in the event I become unemployed invoulintarly. I contacted the office and was assigned cases XXXX ( Destiny Card ) and XXXX ( Milestone Card ). I completed the application and was advised to send proof showing that I was involuntarily unemployed and all this information was sent. Then they advised me I needed to send in a copy of proof showing I registered for unemployment and if I was approved the amount. I completed the same process for each of these accounts and submitted the same exact information. The information was emailed to XXXX and I also uploaded the information via their website for each account. All of this was done well before each due date. They paid {$40.00} on each account for the first month and stopped making payments. My account has accessed late fees and the credit card companies have reported payments missed to the credit reporting agencies and my scores have dropped over XXXX points. I have called their office and requested a member of management several times and have been told the cases are escalated and someone will contact me directly. No one has contacted me via cell or email. I sent them a copy of the letter showing I applied for umemployment, the determination letter, and the application. All of this information was sent via email AND uploaded within their website. 

I have made payments to this feature to protect me and my credit, but his company has done the complete opposite. I will upload all documents sent to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This is exactly what I wrote to Citi Bank The following is the dispute number they gave me XXXX On XX/XX/2024 I made a purchase from two different vendors booking the exact same room at XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX The first transaction was XXXX and was not supposed to go through since I did not approve purchase via the verification system on the website I exit out prior to completing the transaction because I found it for XXXX at XXXX. I was charged twice for one night stay at the hotel on XX/XX/2024. I let the person working at the front desk know and he said not to worry since I had dispute it and it should clear on its own since it's practically a duplicate charge for the same transaction of the one night stay at the hotel for the same room and same time period of XX/XX/2024 to XX/XX/2024 XXXX. XXXX  is known for there scammish ways all over the internet.

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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Please remove this false account from my credit history. I never approved of its production or use. I've included the required paperwork to support my claim.

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 2024-02-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BMO BANK NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have had three fraudulent withdrawals from my savings account with BMO amounting to close to $ XXXX. 

I never got a notification that the money was coming out of my account and the account that the funds went to is not included. 

As soon as I discovered the funds were missing, I called them. 

I first called them on XX/XX/XXXX. The CS rep provided me with the numbers that the ACH came from and told me to call them. I told her that I did not feel comfortable doing that as it was clear these were fraud charges. She then proceeded to file a claim on my behalf. 

I didn't feel confident in her, so I called back on XX/XX/XXXX to confirm the claim had been filed. The CS rep I spoke to said, that was correct, but to give it a couple of weeks. 

After not seeing any changes in my account, I called on XXXX and was bounced around several times. The person I finally spoke with said that because it was a ACH, I needed to email XXXX and confirm that these were fraud charges. 

I sent the email on XXXX and a couple of days later got a response that this email address was for commercial accounts only. 

I called again this morning ( XX/XX/XXXX ) and they said they could not help me and that I need to go to a branch. I confirmed again that I don't live in an area with a branch and the call got disconnected. 

This is very upsetting as $ XXXX is a lot of money and the tax season is upon us. 

I would like my money returned so that I can cancel my account with BMO and move on with my life. 

EB XXXX SV WEBXFR TRANSFER XXXX/23 - {$4800.00} WEB  XXXX SV WEBXFR TRANSFER XXXX/23 - {$4900.00} WEB  XXXX SV WEBXFR TRANSFER : XXXX23 - {$4900.00}

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 2024-02-20 00:00:00
Product: Credit reporting 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 submitted this complaint to update these suspicious information. TRANSUNION Credit Bureau must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX Credit Unions XX/XX/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 2024-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
It's unacceptable to see this late payment on my account, as I've always made payments on time. Please remove it and update my account accordingly.

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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and distress, and I am pleading with you to remove them immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
This negative collection account by Credit Collection Services was reported to the credit bureaus, and added to my credit report. I have NO KNOWLEDGE of this debt, and have never personally had an account with Credit Collection Service. 



I also search up on the XXXX  website to verify if this company Credit Collection Service ( CCS XXXX XXXX ) is legally licensed to collect any debts for the state of South Carolina, where I reside as a resident and they do not currently have a Couth Carolina license. 

Any attempts that CCS XXXX, XXXX is making to collect on a debt within South Carolina would be considered illegal due to no license. This is fraud.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Netspend Corporation
State: NY

Complaint narrative:
Netspend blocked all use of my debit card XX/XX/XXXX - XXXX 2024 on the purported reason that they wished to verify activity on the card but my calls to them were transferred to their risk management department and were all unanswered. The company refused to call me back during this period or reply to emails identifying the activity or transaction in question that they wished to verify despite numerous emails and calls to them seeking clarification about this. If there was genuinely a concern about any transaction, Netspend would have been able to identify this activity and communicate it to me within hours not days but given the fact that they refused to do so, I am inclined to believe their intent was to frustrate use of the funds on the card. It should not noted that not only was use of the debit card blocked for online or other sales but I was unable to view the account online as they had blocked online access and was further unable to make any withdrawals at ATM locations. No customer would be prepared to accept this from a financial institution and they have proven themselves to be an unreliable company and have caused significant inconvenience and disruption. It is difficult to know if Netspend is also concealing credits to the account as they seem to block the account every time a credit is made to the account. To make this situation even more ludicrous and to confirm the deliberate nature of their conduct, Netspend has again blocked the account ( use of debit card and online access to account ) XX/XX/XXXX and despite further calls and emails to the company yet again, they have refused to clarify the activity they are purportedly seeking to verify and have left the issue unresolved and the card blocked for the last XXXX days despite calls and emails to the company and my reassurance to them that there were no unauthorized transactions or other concerns.It is hard to escape the conclusion that Netspend is deliberately seeking to frustrate access to funds on the account, conceal activity or is reckless in doing so.

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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-02-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Harpeth Financial Services, LLC
State: IN

Complaint narrative:
This company has participated in predatory, manipulative, and irresponisble loans with interest so I high they can never be paid off in a reasonable amount of time. I believe they are loan sharking.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have tried the Experian paid account. I do not want it. Instead of it being cancelled, they keep trying to charge me. I can no longer cancel it as I can not get past the portion of the website for my credit card. It is extremely frustrating. I want to cancel and I can not even get someone on the phone from their automated service. I ask for a representative and it wont let me get someone!!

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 2024-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I've consistently upheld timely payments on this account without any instances of lateness. It's perplexing to encounter reports of late payment remarks associated with my accounts.

Company response to consumer: Closed with non-monetary relief