vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-10 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: TX

Complaint narrative:
On XX/XX/2022, I sent XXXX a letter disputing the validity of the bankruptcies they are reporting on my credit report. They never responded back to me and updated the bankruptcies as " verified and accurate ''. I then went back to XXXX on XX/XX/2022, showed them the deleted bankruptcies from XXXX XXXX informing them that if they could not reveal how they truly verified this item then it needs to be deleted from my according to the FCRA. They have once again refused to delete these items which is imploding on my ability to purchase a home and causing me to pay thousands more in interest every year. XX/XX/2022 XXXX just updated there report and say the Items will remain due to being verified and accurate. Even though they are still saying they are verifying this from XXXX XXXX and with me sending them proof its unverifiable and it was deleted from XXXX XXXX report. These items needs to be deleted from my credit report if it can not be verified within 30 days

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 2022-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I received my credit card statement from XXXX on XX/XX/22 for the statement period of XXXX and it includes interest charge ( {$4.00} ) and late fees ( {$29.00} ). In reviewing the statement, I realized that it shows me being past due for the XXXX payment. I've had this credit card for several years and have ALWAYS paid it in full each month before its due date. I checked all my bills for XXXX and did not find any statement from Barclays for that month. All of my bills for XXXX had been paid in full and on time. I called Barclays on XX/XX/22 at ( XXXX ) XXXX and spoke with XXXX to explain the situation and my concerns. He said that Barclays sent the bill on XX/XX/22 and will resend it to me for my record. I explained to XXXX that my payment history with Barclays should show that I have ALWAYS paid my credit card on time, in which he acknowledged and thanked me. He did not offer any other recourse. I have no issue paying my bills in full and on time when I receive my account statement because that is my responsibility. The bank/financial institution has the responsibility to send those statements out on time to customers. In this case, I did not receive it for 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 monetary relief
Consumer complaint received 2022-09-10 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: Creditors Bureau Associates
State: SC

Complaint narrative:
I sent a letter to XXXX, XXXX, and XXXX disputing items on my report that need to be removed. I asked for them to update my personal information ( name, address, job, and no phone number ). I asked for the original contract ( my wet signature on it ), creditor information ( name, address, and phone of the original owner ), payment history and itemized billing of the account, and proof of ownership ( proof of authorization of ownership ) for other items listed on my report. I asked for a copy of my updated credit report. I have not received any of this information from anyone. I have not even received an update copy of my report. I would like for you to look into what is going on with my credit report. I sent the letters XX/XX/2022 and now, it is XX/XX/2022. I still have not heard anything from the credit bureaus. There is at least one that is reported on my credit report twice. The information is also different on each report. There is one derogatory mark on XXXX, XXXX on XXXX, and XXXX on XXXX. The companies names are Creditor Bureau Associate, and XXXXXXXX XXXX XXXXXXXX. I have never received any bills from these companies nor have I ever heard of any of these companies. XXXX 's Account # XXXX, and XXXX. There are no account numbers for XXXX or XXXX for the XXXX XXXX XXXXXXXX or Creditor Bureau Associate accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 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:
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 an account without my written instructions. 

COMPANY DOES NOT HAVE MY CONSENT/AUTHORIZATION TO PUBLISH ANYTHING ABOUT ME. COMPANY IS FURNISHING UNAUTHORIZED REPORT ( S ) TO THE PUBLIC. 

NOT asking to verify or update. Delete per the above sections. 

STOP/DELETE ALL REPORTING OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Consumer Collection Management. Inc
State: MO

Complaint narrative:
Consumer collection management IncXXXX located in XXXX XXXX Missouri has caused me to have to send in documentation for Medical bills that had been previously paid. They contacted me in XXXX Regarding a hospitalization In XXXX. XXXX XXXX XXXXXXXX XXXX releases these debts after I have already paid them so either XXXX XXXX XXXX in XXXX in XXXX Missouri Needs to get their billing account numbers and counter numbers straightened out because somehow this Debt Collection Agency gets some sort of notification that for some reason I did not pay when indeed I have and I have documentation to prove it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 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:
Negative items on my credit report doesn't belong to me.. someone stole my identity in the XXXX  XXXX breach therefore these accounts were open without me knowing these are not mine.

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 2022-09-10 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ) -- > XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX have violated my consumer rights.

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-09-10 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ) -- > XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX have violated my consumer rights.

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 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: Experian Information Solutions Inc.
State: WV

Complaint narrative:
This is a workers comp claim for a emergency room visit. The hospital was told its workers comp and yet they still harass me for this debt. We have provided the comp claim number to them and they refuse to accept it. I cant make them accept it. This is unfair and unethical business practices. Look at my previous debts. All have been paid. I guess its ok to ruin a persons credit based on what a company says to be true. Please look Into 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 2022-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BILL.COM, LLC
State: CA

Complaint narrative:
My company XXXX XXXX, entered into an agreement with Bill.com, sometime in XXXX 2022 Bill.com to ACH and or transfer money from my customers bank accounts to my business bank electronically through Bill.com 's network. On or about the XXXX/XXXX/2022 Bill.com stop transferring money to our bank account. We call and call send them emails and only received vague bot email replies. On XX/XX/2022 Bill.com sent us an email claiming they deposited some {$3400.00} to our XXXX account on XX/XX/2022 We never received these monies. After emailing XXXX on XX/XX/2022 notifying them that we were filing a complaint against them with the California Attorney 's General office of consumer affairs. We received an email from Bill.com on XXXX/XXXX/222 claiming that our company was a RISK and they were ceasing conducting business with us. This is fraud, all communication with them claiming they deposited our money were purely untruths and lies. They also claim that transactions we had in processing with them currently will be void. I want your agency to investigate this company Bill.com thoroughly. We found that the XXXX  had over 150 complaints about this company with similar matters. 100 's of reviews online shows the the company commits ramped fraud and treats it customers badly. Please, please do the what is right, investigate this company. We still have not been told where is our {$34000.00} We would like our money. Also they locked us out from the portal we paid subscriptions fees for on their network. We can not see any transactions or email they sent to us or we send to them. This company also do not have phone numbers where representatives can be reached. The only way to reached them is by email of which they respond with bots mostly. XXXX XXXX is a merchant services provider.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I pulled each of my credit report ; XXXX, XXXX, Equifax. XXXX  by claim stated I owe them a debt produced by hospital ( XXXX XXXX ), which the name of facility were brought to my attention ; sounds unfamiliar. I called the hospital and provided them my information, they were not seeing no past visit within their systems or debt for any collection to be active. I disputed this information with XXXX  which they refuse to comply to verify the information based on my dispute ; with estoppel to my defense, I'm now disputing this information with all credit bureaus actively reporting false information on my file since theres no accurate validation of such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 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: NC

Complaint narrative:
In accordance with the Fair Credit report acXXXX XXXX XXXX Account # XXXX, XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy 15 U.S.C 1681 SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit report act XXXX XXXX  Account # XXXX, XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy 15 U.S.C 1681 SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instruction

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 2022-09-10 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: WV

Complaint narrative:
This is a workers comp claim for a emergency room visit. The hospital was told its workers comp and yet they still harass me for this debt. We have provided the comp claim number to them and they refuse to accept it. I cant make them accept it. This is unfair and unethical business practices. Look at my previous debts. All have been paid. I guess its ok to ruin a persons credit based on what a company says to be true. Please look Into 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 2022-09-10 00:00:00
Product: Credit card or prepaid 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: Continental Finance Company, LLC
State: TN

Complaint narrative:
I have had fraud on my XXXX XXXX XXXX XXXX. I leave messages and still not get return calls. I send emails and make several calls and attempts to her and she does not return telephone calls or emails. Now I am being help responsible. I can not get through to anyone and keep getting the run around. I need help. Ive had fraud and even made police reports but they dont do anything or take action. I even provided police report showing my car was broken into and my card was stolen, I have confirmed fraud and they are still trying to hold me responsible for confirmed fraudulent charges.

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 2022-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
On XX/XX/2022 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion Intermediate Holdings, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. Transunion, XXXX, and XXXX are also in violation of 18 USC 1028A for aggravated Identity Theft for furnishing these alleged public records/XXXX  XXXX Bankruptcy and accounts. 
My transunion credit report is still reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX all of which are fradudlent. 
My XXXX  credit report is still reporting 5 XXXXXXXX XXXX  XXXX XXXX accounts, XXXX XXXX XXXX XXXX. Last, my XXXX credit report is still reporting XXXX XXXX XXXX XXXX XXXX accounts. Please see attached FTC Identity Theft Report. 
This has caused me tremendous XXXX, stress, and financial hardship.

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 2022-09-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: RI

Complaint narrative:
I previously opened a complaint about a second mortgage Loan I received from hud in the amount of XXXX. I called loancare to get the break down of how much I was behind and the rep stated around XXXX including late fees. I then asked for a break down of where the remainder of the money went and if they could send me a break down of the remaining money in writing since I am have to pay off XXXX to hud. On XXXX loancare sent me only a copy of my agreement not a break down of how the money was added or not added to my account. I need clarification because I did not owe XXXX dollars and not understanding why they received so much. My mortgage balance as of now is XXXX and I purchased my home for XXXX and have been here for six years. Where is the money?

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 2022-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
i never got any correspondence from this collection agency, never heard of them and I would like for it to be deleted from my credit report

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 2022-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: TX

Complaint narrative:
This company is furnishing information on my report without my consent 15 USC 1681b. No consent is identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma, LLC
State: GA

Complaint narrative:
I was led to this complaint by being informed about the Lawsuit against Credit Karma. If this is the right complaint to file then, Yes! Credit Karma mislead me with offers for credit cards. Yes i wanted to have credit cards but by the time i applied to the many offers they sent me through the app and in the mail, My credit was ruined because of the " soft pulls '' they claim wouldnt hurt my scores. If this is the right complaint, I still have numerous mail offers from them as proof that they helped ruin my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I responded to Citibank 's promotional offer in XXXX 2022. They sent me an offer to give a " bonus '' of {$1500.00} if I deposited {$200000.00} or more into a checking account. This was promotion code XXXX. I went ahead and opened the account & deposited the required money- transferring it from another bank account. When the approximate date for the availability of the " bonus '' neared, I called Citibank in order to determine that exact date. Over the course of several weeks I called on about five different occasions & asked that same question. Each time it took an inordinate amount of time for the bank rep. to get an answer. And each answer was different by days or weeks. At no time did any bank representative mention that my bonus offer would not be honored! In XXXX, 2022 I again contacted the bank and was told that I had not met the promotional requirements and therefore was not eligible. The bank had held my {$200000.00} dollars for six months and I had not earned one cent of interest or " bonus ''! I discussed the issue with " XXXX '' on XX/XX/XXXX and also " XXXX '' on XXXX XXXX. On XXXX XXXX I requested an " escalation '' ( their word ). Later, I received their letter dated XXXX XXXX which states that " my account does not qualify since the required deposit was not made per their instructions. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: DISCOVER BANK
State: FL

Complaint narrative:
On XX/XX/2022, I mailed a debt validation and cease and desist letter through certified mail. Pervious to the debt validation and cease and desist letter, I requested for the agreement XX/XX/2022 but instead Discover attempted to collect payment on alleged debt as well as contact information. Instead of being connected to a so called team who can send my agreement the conversation was closed. Discover also discover provided two different numbers for me to contact to request the agreement but instead it was a number of an automated voice attempt to collect payment. Under federal law they are required to send the agreement upon request. 
Below I will attach the Debt Validation and Cease and Desist Mailed on XX/XX/2022.

Company response to consumer: Closed with non-monetary relief