vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX. Point : Garnishing federal benefits should stop and be refunded. 
XXXX. Suggested outcome -- Pay me restitution of XXXX for benefit garnishment and administrative fee XXXX for use of address and SS number. 
XXXX. Statement of Facts : XXXX XXXX XXXX - Request and writ for garnishment date of issue XX/XX/2022, is not a copy of the original. 

XXXX XXXX XXXX - Request and writ for garnishment date was not ( wrong address ) received by me in XXXX. 

XXXX XXXX : XXXX Compensation is direct deposited into XXXX XXXX and a percentage as needed is transferred to XXXX XXXX  opened in XXXX. 

XXXX XXXX 's XXXX program provides both community service and work-based training. To participate, you must be : XXXX or older ; have an income not more than 125 % of the established federal poverty guidelines. Federal funds are direct deposited into XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XX/XX/202XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX {$460.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXXt {$460.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$460.00} XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$120.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - {$410.00} XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX  - {$15.00} XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$13.00} xxxx Closed!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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:
Since the middle of XXXX my credit report has been reporting errors and inaccuracy that TransUNION HAS NOT BEEN ABLE TO OBTAINED AND SECURED the correct verification of the correct status of the tradeline for XXXX. From XX/XX/XXXX I have made multiple attempts to be able to connect with the right party who can assist on this matter. The investigations completed on this tradeline have been verified as accurate and then after a re-investigation the information disputed was deleted since transition was not able to verify took it upon themselves to just marked as unknownn because the furnisher was not able to verify the information disputed. Both parties in concert have been giving me the run around and blaming each other for the inaccurate status of the tradeline. I also disputed the information directly with the furnisher via phone multiple times, via cert mail signature required/receipt and to my surprise the person who signed the label does not even exist in the employee directory ; now they are hidding and avoiding to provide the documents that are needed to verify their mistakes in the payment status of the tradeline. My rights have been violated and even after putting both parties on notice, they continue to do so. I am entitled to fair credit reporting and equally among every consumer, I feel ignored and discriminated since nobody seems to be able to fix or care ; hoping that I will go away. I have exhausted all my efforts and now reach out to the CFPB to help on this matter.

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 2022-07-07 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: CA

Complaint narrative:
The list of information and inquiries was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the incorrect information and inquiries listed below : INACCURATE NAME : XXXX XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, KY XXXX EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXXXXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The list of information and inquiries was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the incorrect information and inquiries listed below : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, KY XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX 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 2022-07-07 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: CA

Complaint narrative:
I am pleased to see some improvements on my report and there are still remaining accounts on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any accounts listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which are being posted on my report. 
XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXXXXXX Balance Owed : {$1500.00}

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 non-monetary relief
Consumer complaint received 2022-07-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

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 2022-07-07 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: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
I had an open account with Wayfair through Comenity Bank. The company decided to change lenders to XXXX. Individuals who had the credit with Comenity bank were not offered the opportunity to switch to the new credit issuer. My account was closed and as a result, I paid my balance in full. I did not receive any additional information concerning the account until 2 months later where I was informed, by mail that I was past due for the amount of {$12.00} dollars. This amount was posted on my credit report as I owed {$12.00} and that I had a delinquent account. I have not been late on any payments or have any late payments on my credit report because I was in the process of purchasing a home. I had no way of knowing that I was charged anything on my account, which later I found was for interest after they closed my account. Since my account was closed, I did not have access to my online credit account. I disputed this account multiple times with the credit bureaus and spoke Wayfair directly and was informed that it would be removed from my account. The delinquent accounts are still on all three of my credit accounts. I would like the accounts removed as the {$12.00} was removed from the account by one of the Wayfair representatives and I was told that the delinquent report would be removed from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The list of information and inquiries was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the incorrect information and inquiries listed below : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX INQUIRIES : XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: TX

Complaint narrative:
I sent your company a letter for an investigation over 30 days ago and still have not got a response on investigation neither a XXXX letter status updated pursuant 15 usc 1681 . If the account has been verified, please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in XXXX days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " XXXX years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be re-moved. Supply your response within 15 days or delete the trade-lines. I know your company loves to back date letters to make it seem like you have already sent me these notification, but i want to make you well aware I have an account with XXXX that scans all of my mail & lets me know when mail is coming. I will not hesitate to use this in court. I have done it before and don't have a problem with doing it again. 
I have well enough information to file suit if this is not deleted immediately Account : XXXX XXXX XXXX Account # : 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 2022-07-07 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc.
State: IL

Complaint narrative:
The loan company has called me 2 times or more per day every week. They have also called my workplace as well as family members that I did not provide them with information on. I have asked them to stop calling my work phone and family members that they had no knowledge of. The problem has continued with harrassment including them stopping at my home to talk to me. I have gotten yelled at on the phone by the personell there when I am just trying to correct the late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: CBC Companies, Inc.
State: NC

Complaint narrative:
These account are fraudulent inquiries XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
Zelle blocked my profile on the Zelle app and my bank with Zelle like XXXX XXXX XXXX and XXXX XXXX XXXX. And I just got back to United State last week and found out someone stolen my identity and open an bank account and mobile line under my name and registered on Zelle app and received money and now Zelle blocked me on my bank on every zelle on my bank saying i violated the user agreement and I had already file a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK
State: CA

Complaint narrative:
My checking account was frozen after paying my mortgage payment. Discover assumed fraud, didn't contact to ask if it was me, just froze the account. Their online help chat service doesn't help, says I can only call discover. For a week, at various times of day, the service says it'll be 3+hours of waiting to speak to a representative. Like clockwork, at the 2 hour mark I'm hung up on. 
I'm locked out of an account I have bills tied to and Discover doesn't provide any means for me to fix the issue they created. My account is being held hostage

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

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 2022-07-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am pleased to see some improvements on my report and there are still remaining accounts on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any accounts listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which are being posted on my report. 
XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1300.00}

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 non-monetary relief
Consumer complaint received 2022-07-07 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: CA

Complaint narrative:
I sent my letter off on XX/XX/2022. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also, I have attached the letter I sent out, and here is the Tracking # - XXXX According to the FRCA The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts is still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

Accounts : XXXX XXXX XXXX XXXXXXXX Account # 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 2022-07-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent my letter off on XX/XX/2022. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also, I have attached the letter I sent out, and here is the Tracking # - XXXX According to the FRCA The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts is still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I was enrolled in a program to pay student loans on XX/XX/22 for XXXX my next payment is not due to XXXX XXXX. After i paid this amount they have been harassing my cosigner my elderly grandma and keep harassing me with all these calls, voicemails. And emails. Then when i call them they like we sorry we see you paid. Then the harassing begin the next day. It is so overwhelming.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am pleased to see some improvements on my report and this is still remaining account on my report which is fraudulent and was resulted from identity theft. I am pleading for your help to remove this remaining item found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any account listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX XXXXXXXX Balance Owed : {$1300.00}

Company response to consumer: Closed with explanation