vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-06 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX is in violation of my HIPPA rights, as well this is invalidate debt. I have contract with XXXX XXXX XXXX XXXX. I also never authorized XXXX XXXX XXXX  to release my medical information to a 3rd party collection company. 

XXXX XXXX XXXX XXXX is reporting invalidated debt. 

Experian is as well in violation of my HIPPA rights reporting invalidated debt on 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 2020-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On XXXX XXXX XXXX XXXX erroneously reported that my account in good standing with them was included in a new bankruptcy. I filed bankruptcy in XXXX the bankruptcy case was closed in XXXX. All debts included have been discharged. The account with credit one was opened AFTER bankruptcy and was not included. I have nor will I ever again file bankruptcy. My accounts are all 100 % paid on time. This is erroneous and possibly retaliatory because I reported them to your agency for incorrect balances a few months ago. They also show the account as closed. It is not closed, I still make payments, my online account is still open. They need to fix the following errors : Remove the erroneously reported new bankruptcy. Thet need to accurately report the account as open in good standing ACROSS ALL CREDIT BUREAUS.

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 2020-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Today, XX/XX/XXXX, I requested my free annual credit report from Equifax through the website XXXX. I received an error message, " We are not able to deliver your free Equifax Annual Credit Report online. '' The error message went on to direct me to request my report by mail, requiring me to send several sensitive documents to them, one of which needs to include my SSN.  The message did not explain why this is necessary. 
I have received this same error from Equifax each of the last 7 years. In XXXX and again in XXXX I did request my report by mail, sending them a paper form and copies of my Social Security card and driver 's license, for which I eventually received my reports. But they appear to have not updated their records, as the error continues to exist. 
After my XXXX online request was denied, I filed a complaint through the site XXXX. I received an automated reply from Equifax requiring me to call their phone tree. I declined to let them waste my time there. 
It's been over ten years since I've moved or made any other changes to my personal information that might confuse a credit reporting agency. XXXX  is able to provide my online report every year, with access to the same information as Equifax.

The unnecessary extra work, cost, and time delay imposed on me every year, as well as the risk of sending my sensitive personal information through the mail, may or may not be a deliberate attempt by Equifax to discourage me from requesting my report from them, but it sure does work that way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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: NJ

Complaint narrative:
I filed the complaint against XXXX, XXXX XXXX and XXXX XXXX. However, the third company is Comenity Bank XXXX. As per the attached, they still have not corrected the issue and made it even worse. Please help!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-06 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: Modern Adjustment Bureau
State: CA

Complaint narrative:
DR  XXXX XXXX sold my medical information and violated my HIPPA rights to the company MODERN ADJUSTMENT BUREA. 

Also XXXX  is still reporting this information despite a violation of my HIPPA rights. 

None of this debt has been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank has several credit card products that reward spending on them with XXXX XXXX miles. I have used their cards extensively the last several years and have accrued a significant number of miles in the AAdvantage program. 

XXXX  has recently closed my account with them alleging " accrual of ineligible miles and benefits ; through fraud, misrepresentation and/or abuse of the AAdvantage Program. ''  I have done no such thing and have only earned XXXX  miles through legitimate spending on Citibank credit cards. 

Neither company has responded to my requests for more information regarding the alleged fraud and by closing my account they have effectively robbed me of over {$15000.00} of accumulated miles. I used my Citibank cards in good faith and expected them and their partners to hold up their end of our agreement. Citi is responsible for the companies that they choose to partner with on financial products and it should not be up to me to chase down fraud claims when all the points were awarded from Citi. 

I seek immediate reinstatement of my XXXX  account or fair monetary compensation for the value of the miles in the account.

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 2020-02-06 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 applied for an XXXX credit card and was denied because XXXX XXXX  said the credit score of XXXX on Transunion was too low and had several accounts in collections. First of all i have Never in my entire life ever had a credit score of XXXX with any of the credit reporting agencies. I also have no open accounts or delinquent accounts in collections. I wrote XXXX XXXX a letter and attached a copy of my credit scores from both Transunion and XXXX  and both were in good credit standing and scores in XXXX and XXXX from XXXX. 

I do not appreciate being discriminated or denied credit based on false information.

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 2020-02-06 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: IL

Complaint narrative:
XXXX-XXXX pulled a hard inquiry on my credit on XX/XX/2020. I did not request new services and did not contact them at all. 2 weeks ago I cancelled services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Accurate Background
State: MA

Complaint narrative:
The company Accurate Background at XXXX XXXX XXXX XXXX in XXXX, CA provided completely innacuate information to a potential employer and refuse to take accountability. 

The information that they provided was incorrect, and the process to fixing this situation has been extremely difficult. Multiple employees have lied directly, as well as, indirectly. 

I was specifically told that I would receive documentation explaining the specifics of the mistakes that were made. It has not happened. 

Accurate Background informed the employer that I have a " criminal record ''. Their report showed that the disposition was " still pending ''. Neither of these were correct. The case was closed on XX/XX/2018 and the disposition was an infraction. Even if I was guilty of crime, which I was not, how could I have a " criminal record '' without a conviction? Either way this matter is looked at, this company has caused damages that are irreversible. Truly damned if I did, and damned if I didn't. 

They are refusing to provide documentation describing their fault in this matter, even after numerous promises. Multiple employees have provided poor, unreliable, and false information. Some employees seemed to create department names, and position titles, and other employees stated those departments and titles did not exist. My best inference is that these employees simply do not want to do the job that are employed with. There are hours of recording that exposes this downright scary, and possibly unconstitutional business practices. They are completely incapable of effectively providing this service. They have tried to place blame on the courthouse. The courthouse clerk has stated and verified twice that it has been filed correctly since 2018, and that possibly someone is misinterpreting the reports on Accurate Background 's behalf. I was told multiple times that they have contacted the clerk, but can not offer a name, and that Accurate is at " their mercy ''. The clerk stated on multiple days that this never happened. I believe that the clerk is 100 % telling the truth. 

I have spent hours, and hours of time, trying to resolve something that is absolutely pertinent to my survival, and to no avail. Over a week has elapsed, regarding something that could be resolved in minutes with a phone call to county courthouse clerk.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CL Holdings LLC
State: CA

Complaint narrative:
I was given a background check paper work from my job after I been into the job 4 months now. So a friend of mine tells me to do a background check on my self so I did and I seen accounts that I never open that I owe money to. Address I never seen before and ssi I know ain't mine two of them. Phone numbers I never had, ect. That's scary but XX/XX/XXXX I had lost my place and I thought I could trust the land lord but he told the maintaince people that they can have what ever was mine or through it away well I had left my ID ssi card my birth certificate so that's how I think these people got my info. This is so messed up 1. )  XXXX XXXX XXXX Account type : credit card Date open : XX/XX/XXXX Status : closed. {$550.00} written off 2. ) Jefferson capital system Account type : debt buyer Open date:XX/XX/XXXX Status : collection account. {$440.00} past due as of XX/XX/XXXX XXXX XXXX/XXXX XXXX Account type : credit card Open date:XXXX Status : account charged off {$430.00} written off {$430.00} past due as of XX/XX/XXXX XXXX Charged card Open date XX/XX/XXXX Closed. {$440.00} written off credit line {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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'VE CONTACTED EXPERIAN VARIOUS AMOUNT OF TIMES TO HAVE ITEMS REMOVED FOR INACCURACIES. THAT HAVE YET TO ADDRESS THE DIRECTLY AS THEY HAVE BEEN PUTTING THEM OFF. I HAVE SENT ALL OF THE ITEMS THEY REQUESTED BEFORE AND STILL WILLFULLY NEGLECT TO ADDRESS OR CORRECT THE WRONG INFORMATION THE CONTINUES TO STAY ON MY CREDIT REPORT. i AM ALSO A VICTIM OF IDENTITY THEFT AND ADDRESS THIS ISSUE WITH LAW ENFORCEMENT AND HAVE OBTAIN A POLICE REPORT WHICH I HAVE INCLUDED IN THE DOCUMENTS ALSO. I REQUEST THAT EXPERIAN PROVIDE ME PROOF THAT THEY ADDRESSED MY CONCERNS THOUGH UGLY AND REQUESTING A METHOD OF VERIFICATION OF ALL THE ITEMS ADDRESSED. I REQUEST ALL THE WRONG INFORMATION BE REMOVED AS I HAVE SUBMITTED TO THE CRA ALSO.I 'VE CONTACTED EXPERIAN VARIOUS AMOUNT OF TIMES TO HAVE ITEMS REMOVED FOR INACCURACIES. THAT HAVE YET TO ADDRESS THE DIRECTLY AS THEY HAVE BEEN PUTTING THEM OFF. I HAVE SENT ALL OF THE ITEMS THEY REQUESTED BEFORE AND STILL WILLFULLY NEGLECT TO ADDRESS OR CORRECT THE WRONG INFORMATION THE CONTINUES TO STAY ON MY CREDIT REPORT. i AM ALSO A VICTIM OF IDENTITY THEFT AND ADDRESS THIS ISSUE WITH LAW ENFORCEMENT AND HAVE OBTAIN A POLICE REPORT WHICH I HAVE INCLUDED IN THE DOCUMENTS ALSO. I REQUEST THAT EXPERIAN PROVIDE ME PROOF THAT THEY ADDRESSED MY CONCERNS THOUGH UGLY AND REQUESTING A METHOD OF VERIFICATION OF ALL THE ITEMS ADDRESSED. I REQUEST ALL THE WRONG INFORMATION BE REMOVED AS I HAVE SUBMITTED TO THE CRA ALSO.

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 2020-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I used TrustedID service for a credit monitoring service and paid {$200.00} on XX/XX/XXXX for a family plan/yr. Around XXXX XXXX, XXXX, I learned, through an email sent to me by Equifax, that they had taken over TrustedID. I called Equifax and spoke to 'XXXX  XXXX and told her I no longer wanted the service ( from what was now Equifax ) and asked them to prorate and refund it to me for the XXXX XXXX- XX/XX/XXXX time period. They did this on my XXXX XXXX XXXX on XXXX XXXX XXXX for {$87.00} from EQF*TID TRUSTEDIDSERVI XXXX CA. I thought this issue had been resolved. 
On XX/XX/XXXX I checked my Master Card account and saw a new charge from Equifax for the same " Services - Consumer Credit Reporting Agencies '' for {$190.00}. I called up Equifax and spoke to XXXX ', had to give her my XXXX  # and she said the charge was for a renewal, which I never ordered ( told her I had cancelled service and had been given a refund ), and I said to take the charges off immediately. She said she would. but the next day, instead of a pending charge, it was a permanent charge. I filled out a disputed charge with XXXX  and as of XX/XX/XXXX -- today -- the charge is still there. 
Signing me up for a product I told them I didn't want should be illegal to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
Hello-I listed my home for sale in XXXX  and accepted an offer and sold it in XX/XX/XXXX. I had a deposit on a home in XXXX  to be closer to my elderly parents. Eighteen hrs before the closing on both homes my mortgage lender called to tell me they just found a second lien on my property for $ XXXX. I was unaware if this lien and was not able to purchase the home in XXXX. I had purchased the home in XXXX in XX/XX/XXXX and in XX/XX/XXXX was laid off from my job. Knowing it would be tough to make the mtg pmts I contacted my mtg co. XXXX XXXX XXXX XXXX. They told me that they would do a modification to help me. They would let me skip 1 yr of pmts and after that year they would raise my interest a point, lower my payment and bring me back from 29yrs to 30yrs. I was okay with that. They never told me that they would let HUD put an addt'l lien  for $ XXXX on my property. This lien never showed up on my credit report until 18 hrs before the closing. I did sell the home in XXXX  but had to pay the addt'l lien to HUD. I was not able to purchase the home in XXXX  and am living with a friend for now. I want my $ XXXX back from HUD. XXXX XXXX XXXX XXXX used unfair lending practices and when I contacted FHA the woman I spoke to told me that this was happening to a lot of people. Even if you include interest, PMI and my monthly mtg pmt for that 1 year if would only be around $ 12K. How did HUD get to put a lien on for $ XXXX? I am a XXXX yr old woman who has worked since I was XXXXyrs old, raised my son alone and put him through college. I am now still living paycheck to paycheck and do not know where I will be living in another month or two because of this scam HUD is using on homeowners. Please help me get my $ XXXX back. I have contacted Senators : XXXX XXXX, XXXX XXXX and XXXX XXXX. I have contacted the Attorney Generals Office and the Federal Reserve Commission. So far no one has attempted to get back to me on this matter. I have documents to back this up-will send upon request. 
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 explanation
Consumer complaint received 2020-02-06 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: Second Round Limited Partnership, Austin, TX Branch
State: NV

Complaint narrative:
Dear CFPB, I am seeking help, my rights have be violated as per 809.Validation of debts Credit Reporting Act ( FCRA ) XXXX 15 U.S.C. 609 and Fair Debt Collection Practice Act ( FDCPA ) 809 ( B ) by XXXX  & XXXX  regarding the reporting by Second Round LLC. I sent a letter of validation in response to the letter notice of payment by Second Round LLC. XXXX  & XXXX  has NOT conducted a proper investigation. XXXX  & XXXX  failed to properly respond to my letter with specific request for method of validation and has since now to put erroneous and inaccurate information on my credit report. Second round LLC has failed to report to XXXX  that this matter is in dispute prior adding it onto my credit report and by law can not pursue any credit reporting agency until the matter is resolved. XXXX  / XXXX  & Second round LLC has not legally validated this debt as per required by theFair Debt Collection Practice Act ( FDCPA ) 809 ( B ). A credit card statement is not a legal validation of debt as It is Not A CONTRACT. Second Round LLC has failed to produce any contract or ownership or legal assignment / transfer and or legal affidavit purchase of the debt. XXXX & XXXX  failed to properly obtain any such agreement in its investigation while clamming the account was verified by a " Statement page '' Reporting it as actual fact. Seeking Interest of fees without a contract is a violation of the FDCPA. Reporting inaccurate information is a violation as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 609 and Fair Debt Collection Practice Act ( FDCPA ) 809 ( B )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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: NV

Complaint narrative:
Dear CFPB, I am seeking help, my rights have be violated as per 809.Validation of debts Credit Reporting Act ( FCRA ) , 15 U.S.C. 609 and Fair Debt Collection Practice Act ( FDCPA ) 809 ( B ) by XXXX  & XXXX  regarding the reporting by XXXX XXXX XXXX. I sent a letter of validation in response to the letter notice of payment by XXXX XXXX XXXX. XXXX  & XXXX  has NOT conducted a proper investigation. XXXX  & XXXX  failed to properly respond to my letter with specific request for method of validation and has since now to put erroneous and inaccurate information on my credit report. XXXX XXXX XXXX has failed to report to Experian that this matter is in dispute prior adding it onto my credit report and by law can not pursue any credit reporting agency until the matter is resolved. XXXX  / XXXX  & XXXX XXXX XXXX has not legally validated this debt as per required by theFair Debt Collection Practice Act ( FDCPA ) 809 ( B ). A credit card statement is not a legal validation of debt as It is Not A CONTRACT. XXXX XXXX XXXX has failed to produce any contract or ownership or legal assignment / transfer and or legal affidavit purchase of the debt. XXXX  & XXXX  failed to properly obtain any such agreement in its investigation while clamming the account was verified by a " Statement page '' Reporting it as actual fact. Seeking Interest of fees without a contract is a violation of the FDCPA. Reporting inaccurate information is a violation as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 609 and Fair Debt Collection Practice Act ( FDCPA ) 809 ( B )

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 2020-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
XXXX led eventually to a TransUnion webpage, which demanded a telephone number. The form rejected the Truth : I am burdened with no telephone service, as XXXX refuses to provide the service for which I qualify and have applied. 

After the TransUnion rejection, the system stopped, refusing to proceed to XXXX  and 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