vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-30 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This is a formal complaint against Wells Fargo located in XXXX XXXX, IA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Wells Fargo has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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 2021-08-30 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: CT

Complaint narrative:
I received an alert about a hard and soft credit inquiry placed on all my credit reports on XX/XX/21 by XXXX XXXX XXXX, XXXX XXXX, XXXX, DE. XXXX. ( XXXX ) XXXX. I called all 3 credit reporting companies and was told to call XXXX, I called XXXX and they stated they could find no applications or accounts. The credit reporting agencies are telling me now I have to file a complaint with the FTC and you. they are refusing to remove the Hard inquiry which will effect my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted a dispute letter to XXXX, Transunion, and XXXX  regarding fraudulent information on my credit report. I mailed these documents by certified mail ( Tracking ID : XXXX ) and it shows XXXX  received my letter on XX/XX/2021 at XXXX XXXX. XXXX  received my letter on XX/XX/2021 at XXXX XXXX  ( Tracking ID : XXXX ) and Transunion received it on XX/XX/2021 at XXXX XXXX  ( Tracking ID : XXXX ) It has been almost 60 days, and these fraudulent items remain on my report. I have experienced much mental distress as a result of their continuous false reporting on my profile. I have been denied employment, housing, auto, and several other opportunities as a result of their neglect in conducting a proper investigation into my dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted a dispute letter to XXXX, XXXX, and Equifax regarding fraudulent information on my credit report. I mailed these documents by certified mail ( Tracking ID : XXXX ) and it shows XXXX  received my letter on XX/XX/2021 at XXXX XXXX. Equifax received my letter on XX/XX/2021 at XXXX XXXX  ( Tracking ID : XXXX ) and XXXX  received it on XX/XX/2021 at XXXX XXXX  ( Tracking ID : XXXX ) It has been almost 60 days, and these fraudulent items remain on my report. I have experienced much mental distress as a result of their continuous false reporting on my profile. I have been denied employment, housing, auto, and several other opportunities as a result of their neglect in conducting a proper investigation into my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2021 at XXXX, I tried to unfreeze my credit with Transunion. After logging in and unfreezing, I received the following " The TransUnion Credit Freeze Service is temporarily unavailable '' and could not unfreeze my credit for an important transaction. I called Transunion at XXXX to initiate the unfreeze and was told there was a problem and they could not unfreeze my credit. No other help was offered by Transunion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Since XX/XX/2021 I have file 4 disputes with Transunion and 2 CFPB disputes with XXXX XXXX XXXX  no no avail. Transunion AND XXXX despite legal court documentation ( court dismissal with no money owed to XXXX XXXX  XXXX ) and attached providing rental history directly from the original creditor stating there is no money owed since XX/XX/XXXX to XX/XX/XXXX ( move out dates ) and a surety bond paid out to the original creditor, they decided to record to all credit bureaus since XXXX that I still owe money to XXXX XXXX XXXX. After multiple disputes to Transunion the continue to close and delete disputes as XXXX is providing valid information. This is my final attempt to both Transunion and XXXX to remove incorrect account information from my credit profiles. I have yet to receive any response from XXXX and Transunion refuses to acknowledge all legal documentation that goes against FCRA regulations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
So many inquiries I dont know about.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Companies have passed the maximum days of investigation and have not been updated, or have given any solutions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: KY

Complaint narrative:
Im submitting a complaint because the bank systems that issue and service my prepaid credit/debit card failed to reimburse my account for fraudulent charges reported correctly and timely to them, nor have they provided proof that I personally made these charges or received the benefits of these charges. They can not the charges are fraudulent. 
I received an electronic warning notice from my bank that an attempted purchase was occurring in the amount of {$210.00} on XX/XX/XXXX. I immediately called and insisted the customer service person not allow this charge, cancel my current card, and re-issue me a new card due to fraudulent activity. The representative also noted another {$50.00} fraudulent charge the previous day but said the {$210.00} charge had already been processed and I would need to report both as fraud. I wrote my bank per policy on XX/XX/XXXX and requested they remove the two fraudulent charges totaling {$260.00}. I was temporarily credited that amount until 6 weeks later when my bank provided electronic receipts from the merchants showing purchases were made online electronically WITHOUT NAMES OR ADDRESSES, not even a purchaser IP address. I called my debit/credit card customer service on XX/XX/XXXX and again requested proof of purchase, signatures, and delivery addresses but did not get a response. My bank reversed their credit for {$260.00} but never provided proof that I made these purchases or received good/services. They can NOT provide proof because I did not make these purchases and reported them as fraudulent. 
I have attempted to contact my prepaid credit/debit card issuing bank, the main bank affiliated with the card issuer, and the XXXX XXXX all to no avail. None of them have responded to my numerous complaints and requests to remove the fraudulent charges totaling {$260.00}.

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 explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Community Bank, I have close account and paid fees for month of XXXX, sent check they don't pay to accouny till after due date and charging more late fees, it going since XXXX, They holding payment after due date, hurting my credit, I have tried to deal them, they always a excuse that I don't pay in time

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This is a formal complaint against Portfolio Recovery located in XXXX, VA. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX XXXX  and XXXX  and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Portfolio Recovery has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: TX

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
Since XXXX XXXX I have file 4 disputes with XXXX  and 2 CFPB disputes with National Credit systems no no avail. XXXX  AND NCS despite legal court documentation ( court dismissal with no money owed to XXXX XXXX XXXX  ) and attached providing rental history directly from the original creditor stating there is no money owed since XX/XX/XXXX to XX/XX/XXXX ( move out dates ) and a surety bond paid out to the original creditor, they decided to record to all credit bureaus since XXXX that I still owe money to XXXX XXXX XXXX. After multiple disputes to XXXX  the continue to close and delete disputes as NCS is providing valid information. This is my final attempt to both XXXX  and NCS to remove incorrect account information from my credit profiles. I have yet to receive any response from NCS and XXXX  refuses to acknowledge all legal documentation that goes against FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I purchased my home in XXXX. I became permanently XXXX in XXXX and had to do a modification then because of income dropping down to XXXX. I am raising or was raising a son totally on my own at the time he just recently graduated college. I talked to Bank of America last year because they like so many were helping home owners out or so I thought with Covid relief and making no payments to help out. I was told that I would start making payments again in XX/XX/XXXX which I did. I was told also that a claim would be made with HUD for payments not made and would be on end of the loan. I got XXXX last year, I had major car repairs and my only vehicle to get to physical therapy. I trusted Bank of America and now have been told HUD had no hand in approving any claims or not so now Bank of America wants me to start another modification which I did and sent everything that was requested well now they are asking a month later the same paperwork and another 3 months of paperwork because they didn't process it. I also found out that this year when I asked on paperwork before I started payments in XXXX again would receive paperwork from them when claimed had been processed and every month I called in only to be told HUD was behind. HUD wasn't processing claims. I have been told by alot of consumers same stories being told by their lenders between last year and this year. The payments I have made in XXXX, XXXX, XXXX and XXXX are sitting in unapplied funds. There is something not right with these lenders and not just Bank of America but other major lenders. Please help because I am permanently XXXX and don't want to lose my home and I have complied with everything they have asked and you can go on their website and read about their Covid Relief from last year and now what they are doing but the lie is that HUD is not involved in these claims.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: FL

Complaint narrative:
I found the following fraudulent accounts on my credit profiles and notified the credit bureaus along with my identity theft report, yet they remain ; XXXX  XXXX {$27000.00} XXXX  XXXX {$17000.00} XXXX  XXXX {$580.00} Chapter XXXX Bankruptcy XXXX Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Healthcare Financial Services, LLC
State: OH

Complaint narrative:
I XXXX XXXX is the Original creditor. Pursuant to 15 usc 1692 a ( 4 ) No corporation can validate a debt. Also debt means any obligation or alleged obligation pursuant to 15 usc 1692 a ( 5 ). I am sending in a copy of the letters being sent to my place of abode. In these letters I have marked each violation for review. Please see the attached copies. I have tried resolving this with the collection agencies in which they keep saying this alleged debt is validated. Again how can you validate something you was not there for. Only I the original creditor can validate this alleged Debt. I XXXX XXXX DO NOT validate this debt. I will be filing a complaint with the XXXX  as well as the attorney general. I do also plan to contact the media and release the information in regards to me being the consumer and natural person and my consumer rights as listed by Congress.

Company response to consumer: Untimely response
Consumer complaint received 2021-08-30 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: NY

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: MA

Complaint narrative:
TransUinon, XXXX, XXXX  continue to violate the FCRA requirements by not deleting the inaccurate information on my cardmember Service account XXXX. The late notice for XXXX is inaccurate. I was never late for XXXX. I have provided proof documentation on numerous dispute to support my dispute. This willful inaccurate information continue to caused injury and harm to me financially and is preventing me from obtaining financing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: IL

Complaint narrative:
Americollect , INC . 
XXXX XXXX XXXX XXXX, WI XXXX Re : Validation for Acct # XXXX To Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation.

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you. 

Please provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased?

Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.

Proof that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 


Sincerely, XXXX XXXX XXXX address : XXXX XXXX XXXX XXXXXXXX XXXX IL XXXX SSN : XXXX Date of birth:XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Companies have passed the maximum days of investigation and have not been updated, or have given any solutions

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