vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-05 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: TX

Complaint narrative:
I have submitted a dispute with the following company and have not received my desired results. Please see my attached documents and have the companies remove all unauthorized items immediately. In the attached documents I have provided and stated all information necessary to have these items removed from my consumer report. These companies shall provide me with substantial documentation on how they made their decision if accounts are not removed promptly. They have to prove, one, I gave them permission to furnish and, two, prove I was clearly giving an opportunity to opt out of reporting in which the law allows if non-public information is being furnished.

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 2022-10-05 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: KS

Complaint narrative:
Effective XX/XX/XXXX, Lundquist Consulting , Inc. ( LCI ) became the provider of bankruptcy public record information to TransUnion. My XXXX  XXXX case # is XXXX and I filed XXXX  XXXX bankruptcy XX/XX/XXXX. XXXX XXXX was discharged in my bankruptcy andis not reflecting so on my transunion report. also, the account is reporting a payment status as 200 days late. The normal transunion dispute process has not successfully updated this account to reflect included in XXXX  XXXX. I required your assistance so this account is included in XXXX  XXXX i have attached the list of creditors including XXXX. 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 2022-10-05 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: TX

Complaint narrative:
I have submitted a dispute with the following company and have not received my desired results. Please see my attached documents and have the companies remove all unauthorized items immediately. In the attached documents I have provided and stated all information necessary to have these items removed from my consumer report. These companies shall provide me with substantial documentation on how they made their decision if accounts are not removed promptly. They have to prove, one, I gave them permission to furnish and, two, prove I was clearly giving an opportunity to opt out of reporting in which the law allows if non-public information is being furnished.

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 2022-10-05 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: OK

Complaint narrative:
My credit report has several discrepancies and inaccuracies. The Fair Credit Reporting Act states that your consumer report is supposed to be fair and equitable to you as the consumer. These inaccurate and incomplete accounts are effecting my credit worthiness and my ability to prove in my everyday essential needs. Please read the follow letter attached for accounts to be disputed.

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 2022-10-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have been trying to get a lien release on a Home Equity Line of Credit from XXXX originated by XXXX XXXXXXXX XXXX. The loan was sold to XXXX XXXXXXXX XXXX  from XXXXXXXX XXXX XXXX  ( who acquired XXXX XXXX XXXX XXXX on XX/XX/XXXX. The loan has been paid off for many years and apparently the Bank did not do a Release. According to the FDIC, Citibank aka Citi Mortgage acquired XXXX XXXX XXXX We have attempted to get a lien release from Citi and they are saying they can not find any information. Both the trustors on this Deed are deceased. I am the Executor/Trustee for my parents ' estate. The property is currently in escrow and is scheduled to close on 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 explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021, I initiated a CFPB complaint with XXXX XXXX XXXX XXXX, XXXX, Equifax and XXXX about false and inaccurate information. XXXX XXXX XXXX XXXX is reporting false and misleading information because there is no loan given as the transaction was a retail installment sales contract but it is being reported as a loan. All of the companies listed above have been given over 30 days, 332 days to be EXACT, to make the correction and since they have not I am demanding that the tradeline XXXX XXXX XXXX XXXX be deleted from all of the consumer reporting agencies that they are reporting to. 
I have attached the article that the CFPB has published on what a retail installment sales contract and I quote " A retail installment sale, on the other hand, is a transaction between you and the dealer to purchase a vehicle where you agree to pay the dealer over time, paying both the value of the vehicle plus interest '' this statement is located on the CFPB articles that is attached. 
I have also upload the retail installment sale contract, which it clearly says at the header of the attachment, in which XXXX XXXX XXXX XXXX is claiming that it is a loan, which is proof that the information is false and inaccurate information. 
They have defamed my character for several years with this false and inaccurate information and have prohibited me from being able to extend my credit due to this misleading, false and inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: KS

Complaint narrative:
Effective XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  ) became the provider of bankruptcy public record information to TransUnion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and I filed XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was discharged in my bankruptcy andis not reflecting so on my transunion report. also, the account is reporting a payment status as XXXX  days late. The normal transunion dispute process has not successfully updated this account to reflect included in XXXX  XXXX. I required your assistance so this account is included in XXXX  XXXX i have attached the list of creditors including XXXX 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 non-monetary relief
Consumer complaint received 2022-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This letter is a formal complaint that you report inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be removed immediately. It has been over 60 days and has caused me great hardship, 1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting Congress makes the following findings : ( 1 ) The banking system depends on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to ensure that consumer reporting agencies I ask that these items be removed from my credit profile at once. 

XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, GA XXXX 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 2022-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have made several complaints regarding the unauthorized account in my in name by XXXX. It was removed from my credit on experian several years ago and reappeared in XXXX. I have been complaining and asking for proof. I submitted a police report. I have now contacted XXXX who told me they have no contract signed by me or any verifiable information. They still refuse to remove from my credit. Please help me as I have asked for your help several times. This is illegal to continue to put a fraud account on my credit without being able to verify.

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 2022-10-05 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:
In accordance with the Fair Credit Reporting Act. 
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a accounts without my written instructions. 15 U.S.C 1681 C ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of conviction of crimes wich antedates the report by more than seven years 15 U.S.C 1681 s-2 ( AX1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I deposited a check on the Bank of America mobile app for {$9000.00}. The check was issued by XXXX XXXX XXXX. First Bank of America said funds would be available next day and then they followed up telling me a 7 day hold was being put on funds clearing. I called and spoke with the bank and was told that they had to make sure funds were available and especially with large checks and also it has to go thru clearing houses, etc. I told the lady that checks are all processed electronically and it does not take 7 days. I told her I can understand holding a personal check but holding one from another financial institution is unbelievable. This is another example of the Bank of America holding on to peoples money for way longer than needed and making their customers pay!

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 2022-10-05 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have never had a contact with LVNV they state there was a creditor called 12 credit one who they bought the collection account from which they can not verify as mine. They gave the LVNV account showing inaccurate information such as open and also {$570.00} which is an incorrect amount showing owed yet they cant validate the debt and do not gave any written contracts showing consent. Id like it to be removed or deleted thank you. I sent certified letters to the credit bureau and companies without receiving a proper resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: MD

Complaint narrative:
I have submitted a dispute with the following company and have not received my desired results. Please see my attached documents and have the companies remove all unauthorized items immediately. In the attached documents I have provided and stated all information necessary to have these items removed from my consumer report. These companies shall provide me with substantial documentation on how they made their decision if accounts are not removed promptly. They have to prove, one, I gave them permission to furnish and, two, prove I was clearly giving an opportunity to opt out of reporting in which the law allows if non-public information is being furnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On XX/XX/22 a deposit was sent over to what was thought to be a tattoo artist. Services were never rendered. Chase Bank is refusing to file a flail to recoup the funds sent over to the would be scan artist. XXXX XXXX is not helping either. Attached you will find the correspondences. I have since then reported the XXXX  page to XXXX and the page has been deactivated. Id like my {$150.00} back immediately and Chase should go after the scanner just as the would when disputing charges from XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: KY

Complaint narrative:
I see inquiries on my credit reports that are not accurate and these inquiries were unauthorized by me. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified and unauthorized items MUST be removed. I have an inquire on my TransUnion and XXXX Report from XXXX XXXX ( Bank ) on XX/XX/2021 that I need removed as required.

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 2022-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

Complaint narrative:
There are several violations here : 1. XXXX XXXX charged me for services that were not delivered. My cell phone rarely worked at my home and dropped calls often when traveling for 9 months I had service with them. They never improved the service or reduced the bill. 
2. XXXX agreed to cancel the remaining unpaid month of service, {$120.00}, if I paid off the phones I purchased from them for {$1200.00}. I paid for the phones, but they continued to try and collect for the bad service, finally turning it over to a collection agency. They refused any further effort I made to dispute the bill. 
3. Jefferson, the debt collection agency, increased a {$120.00} disputed bill to {$620.00}. They refused to cancel the bill or decrease the amount back to {$120.00}, the original XXXX XXXX bill. 
XXXX. The three credit agencies did not contact XXXX about the original bill after I disputed the bill. Instead, the only contacted Jefferson, who continued to validate the bill. The agencies also did not require Jefferson to reduce the disputed bill back to {$120.00}, but continued to keep the disputed amount at {$620.00}, even though I told them the amount should be reduced, at a minimum. 

Facts : 1. Cell phone debt has a federal statute of limitations of two years. After the statute of limitations has expired on a debt, it is considered time-barred. 
2. I advised the 3 credit agencies of this fact, but they refused to delete the bill from their files. Jefferson Capital System also refuses to stop reporting this bill to the credit agencies as a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: AES/PHEAA
State: GA

Complaint narrative:
Fed Loans Servicing suggests that two accounts were removed from my credit report. In fact, these two accounts were consolidated XXXX months ago with XXXX loan servicing. 

This situation suddenly occurred after President Joe Biden announced the debt forgiveness program. 

As a result, this action caused my credit score to drop XXXX points. 
I have tried to reason with a Fed Loan representative, but without success. The against seemed to not know how to approach my concern. 

Usually, the accounts show " in good standing. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Revco Management, LLC
State: NC

Complaint narrative:
Apparently, a test was done and I was billed for it {$310.00}, via XXXX XXXX XXXX XXXX XXXXXXXX XXXX 

I have Medicare, A, B and C with XXXX XXXX XXXX, XXXX as secondary. 
All the Medical procedure 's provided for XXXX, I've never received a Bill XXXX Why I was not informed ahead of time. Normally, the XXXX will send me to another location that pays for Specialty Tests. 

I have attempted a few times to research what this is about? No one seems to know? 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Been XXXX since 2012 and having issues obtaining information to separate out loans. Unable to obtain a Master Promissory Note through loan servicer. I contacted loan servicer Nelnet for this information and they could not provide. Nelnet suggested i contact studentaid.gov but unable to provide as well since over 10 years

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Ive submitted multiple disputed to TransUnion, XXXX and XXXX to remove several items from my consumer report and they are refusing to abide by my federal protected rights. Ive called TransUnion multiple times they said they could not remove the security freeze they have violated XXXX5 USC 1681i ( 5 ) ( A ) ( i ) if 30 days past and information isn't verified it must be removed -Sent dispute letters XX/XX/XXXX and still have errors on my report 15 USC 1666b late payments from open ended credit plans cant be reported -Dispute was to remove the late payment which wasn't late but still have not fixed it 15 USC 1681 ( B ) must have written permission to furnish on my behalf -Reported multiple items without written request from me 15 USC 1692k ( a ) ( 1 ) allows for any action of damages -Have n't been able to purchase a house due to error on my consumer report 15 USC 1681 ( a ) ( 4 ) right to privacy -Did not give consent to repost items to consumer report 15 USC 1681 ( b ) must follow reasonable procedures -Sent out unfreeze letter to TransUnion multiple times and still wont unfreeze my account 15 USC 1681a ( 2 ) ( B ) if transaction authorized by social it can not be reported -Items was reported that i used my social to obtain 15 U.S.C 1681n ( a ) ( 1 ) ( A ) failure to comply will result in XXXX for each violation

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