vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian continues to violate my rights. After disputing items they continue to appear on my credit report with new dates. These negative items have prevented me from owning a home as well as resulted in higher interest rates on my vehicle and credit cards. 

After having open disputes, the account remarks on my credit report do not reflect the disputes. This is a violation of federal regulation for each account. Also, accounts that were in charge-off status for over 7 years ( some over 10 years ) continue to be reported on my credit report. These are also violations of of my rights and federal regulation. 

I have found 18 instances of such violations appearing 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 2022-03-06 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: IN

Complaint narrative:
I contacted Experian, XXXX and XXXX to dispute the validity of an account showing up on my credit reports. I sent multiple letter to all three agencies. I explained in the letter that I have never done no business or received any service from XXXX XXXX  collections company. Any account with XXXX was merged with XXXX, I currently have my plan with 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 2022-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: MD

Complaint narrative:
XXXX XXXX is the company and they are a rip off they to high I was struggling with my bills I got behind the call and mail me constant I told them when I get money I will call them and I will they closed on Saturday and Sunday so monday the XXXX XXXX XXXX I'm set a arrangement up with them hopefully they leave me alone then. The call send mail to house like twice week it frustrating

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I contacted XXXX, XXXX and Transunion to dispute the validity of an account showing up on my credit reports. I sent multiple letter to all three agencies. I explained in the letter that I have never done no business or received any service from XXXX XXXX collections company. Any account with XXXX was merged with XXXX, I currently have my plan with 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 2022-03-06 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I contacted XXXX, Equifax and XXXX to dispute the validity of an account showing up on my credit reports. I sent multiple letter to all three agencies. I explained in the letter that I have never done no business or received any service from XXXX XXXX  collections company. Any account with XXXX was merged with XXXX, I currently have my plan with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 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: AES/PHEAA
State: NC

Complaint narrative:
Fed loan Servicing is selling my information to another service provider and furnishing information to the Credit Reporting Agencies without my written consent which is in violation of the LAW. I have contacted them about this matter in 2021 but they failed to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
I worked at length in effort to save my XXXX  mortgage was sold at least 3 times amidst my attempts to obtain modifications and once close to approval the sale reset my process. My understanding is loans cant be sold like this and still collect from me. Please assist. I lost my home and was made to move amidst the pandemic with a XXXX  child. Im still having difficulty as consequence of this. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Transunion is currently reporting an inaccurate account on my credit report. This account is not reported by XXXX or XXXX. Transunion is negatively affected my credit with this inaccurately reported account, this is causing undue hardship for me. I have tried to resolve this issue with Transunion since XX/XX/2021 and nothing has been done.

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 2022-03-06 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: NC

Complaint narrative:
XXXX XXXX XXXX is selling my information to another service provider and furnishing information to the Credit Reporting Agencies without my written consent which is in violation of the LAW. I have contacted them about this matter in 2021 but they failed to do anything.

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 2022-03-06 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:
XXXX XXXX XXXX is selling my information to another service provider and furnishing information to the Credit Reporting Agencies without my written consent which is in violation of the LAW. I have contacted them about this matter in 2021 but they failed to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 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:
XXXX XXXX XXXX  is selling my information to another service provider and furnishing information to the Credit Reporting Agencies without my written consent which is in violation of the LAW. I have contacted them about this matter in 2021 but they failed to do anything.

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 2022-03-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2021 I paid in full a personal Bank of America credit card balance in the amount of {$2000.00} via an ACH transfer from my personal savings account. Shortly after I paid this account in full Bank of America refunded {$2000.00} to a separate account. This was apparently an error or a fraudulent refund to someone other than myself. I never requested a refund nor was the $ refunded to any account that I own or have any knowledge of. I promptly reported this to Bank of America and one of the first people I spoke to stated that the money was refunded to an account with a different account number which is against their normal policy. I have spoken to many people since, numerous hours on hold and no resolution. Bank of America representative XXXX XXXX then advised me that they had completed their investigation and determined that the money was refunded back to my account that I used to pay the amount originally ( this is not true and they have not supplied me with any proof of the routing of this refund ). I even faxed my bank statements to Ms XXXX to show that the money was never refunded to my account. I continued to make payments for several months while this was being investigated but eventually decided to discontinue the payments. Bank of America is now reporting my account as past due, impacting my credit score and causing other lenders to discontinue existing credit I have. My XXXX score was XXXX and now XXXX. Bank of America has had 8 months to resolve but they have not and are now negatively reporting my credit history and affecting my credit. In my opinion this is a UDAAP violation. 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 2022-03-06 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: EQUIFAX, INC.
State: IN

Complaint narrative:
Equifax is currently reporting an incorrect account on my credit report. Equifax is reporting uplift account which is not reported on my other two credit reports because the account is incorrect. Equifax incorrect reporting is negatively affect my credit and is causing me undue financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :

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 2022-03-06 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Experian is reporting an inaccurate account on my credit. Experian is reporting an account with XXXX XXXX XXXX I have never done any business with this company, I have never signed any contract or received any services or products from this company. The other two reporting agencies XXXX and XXXX do not list this account on my credit report. Experian is inaccurately reporting this account on my credit report and it is causing my undue financial hardship. I have contacted Experian since 2021 to remove this account and have provided a copy of that communication with Experian.

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 2022-03-06 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 — Their investigation did not fix an error on your report
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
First Horizon has made two entries on My consumer report XXXX and others that are false. After disputing the information and making payment that settled the debts, the reported information shows no update that reflects the settled account debts. When settled First Horizon agreed to remove the items. Most importantly the false accusation entered as suspected fraud is baseless, it was not properly investigated, and the character of the debt being associated to fraud violates my consumer rights and it's damaging. I accepted a a third party payroll check from a past associate that was placed on hold and released by the bank, there was no issues with it's validity. After, the overdraft of my account for unrelated unforeseen charges the bank reviewed my account discovery the mistake of the bank whom stated that my account did not allow third party deposits and reversed the credits solely based on the mistake of the bank. The bank decided to prematurely close the account and notate two falsely characterized occurrences of one incidents when submitting the occurrences separately on my consumer reports. The amounts has been settled which the entries do not reflect settlement, and the entries make false claims related to and described as fraud and account abuse which is retaliatory in nature for reason of the bank having to disassociate from it's actual mistake made on the account, further in an attempt to secure it's position without being subject to legal remedy it inflated the infraction, and the bank did not accept any statement from myself or the owner of the check which is failure to properly investigate the incident and allowing the bank to take the level action which is faulty business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLIANT CREDIT UNION
State: WY

Complaint narrative:
On XX/XX/2022 between XXXX and XXXX I went to a ATM machine at XXXX XXXX XXXX XXXX XXXX Colorado and attempted to make a {$5000.00} deposit as my bank is out of state so my credit union referred me to make my deposit at XXXX. 
I put my ATM card in the machine and then inserted the cash, The ATM started making a weird noise and spit {$2800.00} back and kept my ATM card and my cash with no receipt. 
I did not leave that machine, I called my bank they took down my information and assured me I would get my money back and they would give me a previsional credit in the mean time. 
On XX/XX/XXXX I logged into my account and my credit union took {$2200.00} back saying the case is closed and the ATM owner has no record of my debit card ever being used at that ATM, The machine ate my card they have my card, XXXX at Alliant Credit Union says I'm out {$2200.00} I asked if they did a count of the ATM and she said no that the case is closed. Please someone help me. My credit union could care less and when I asked XXXX if there is a chance I would not be able to get my money back she said the case is closed not caring at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-06 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: Bridge IT, Inc.
State: FL

Complaint narrative:
I opened a credit builder loan with Brigit/XXXX XXXXXXXX XXXX in XXXX of XXXX. My payments were set up to come out of my bank account by ACH. My account was being reported as accurate until I received notification from XXXX XXXX on XX/XX/XXXX that I had missed a {$10.00} payment. Brigit does not provide a phone number to contact them with an issue or question. Everything is directed through their email. I emailed them about the missed payment as I had not been notified. They claimed that they had emailed and texted me as my first payment had not processed yet they reported that it was on time to the credit reporting agencies. At that point I decided to close my account due to failure to report and inaccurate reporting of information. I received {$30.00} of my payments as the credit builder account doesnt provide any monies upfront therefore I did not owe any money for the loan as I had not received anything. I discovered that Brigit had not closed my account as requested and is still reporting the balance of the loan as {$410.00} when it should be XXXX. Again, I received no part of the actual loan monies. They have also reported the one late payment as different months for all three of the credit reporting agencies. Brigit had reported the late payment for XXXX and XX/XX/XXXX and currently as XX/XX/XXXX even though the account was closed on XX/XX/XXXX. I have all of my email communications to prove their response to their inaccurate reporting and I provided them with my credit report showing it is still reported as being open in XX/XX/XXXX. I have disputed this account 3-4 times with every credit reporting company yet Brigit continues to state the information is accurate. This is harming my credit as it brings up my credit utilization percentage and dropped my credit score based on their failure to notify me about a potential ACH issue with my bank. I have considered hiring an attorney to sue this company as I am not getting any resolution from Brigit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
In the last year XXXX XXXX I deposit the two check to the regions bank, but they holding my check and lock my account, when I communicate the banker, they said the check not sure is good check or bad check, let me verify the check is clear, I dont know if they not sure the check is clear can call the that bank, but they told me bank cant communicate to the bank, so I get the statement approved the check is withdrawn is paid, but they said still not sure let me waiting, waiting one years didnt release my money just hold and lock my 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 non-monetary relief
Consumer complaint received 2022-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC
State: VA

Complaint narrative:
XXXX  XXXX turned me over for collection on an account that is not mine. My account number is XXXX. The account they are trying to collect on is XXXX. I talked to the collection agency and they have my social security number and address linked to the wrong account. I believe XXXX XXXXXXXX somehow merged two accounts and that's how this started. My address is XXXX XXXX XXXX XXXX There is also a XXXX XXXX XXXX in my neighborhood. The XXXX XXXX property was sold in 2021. The gas would have been turned off and on at least three times during the process. The family that lived there sold to a contractor who flipped the house and then he sold it. 

In the summer of 2021, I heard a noise on the gas meter side of my house. When I went to investigate, there was a gas company employee there kneeling beside my meter. I asked what he was doing and he said he was there to turn on my gas, but then he said it was already on. I asked what address he had and he said XXXX XXXX XXXX. I explained that he had the wrong house and he went to the correct one. It is not uncommon for us to received packages and mail, even pizzas, at our house that were sent to XXXX XXXXXXXX XXXX  That has been the same for over 30 years. XXXX  XXXX has failed at every level to fix this, and now they have turned me over for collection on a debt I don't owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Claim # XXXX was closed with no resolution. 
My response, XXXX was a minor when the account was initiated, so the only number you would have on file is mine and I have not received an alert nor confirmed any transactions. Id like to know what number this alert was sent to. 

In addition, in one of my conversations with customer service, they claimed my son called in, was authenticated, and requested a credit for an ATM transaction. You neglected to address that. Was the PIN changed in any of those calls? And what information was used to authenticate him? 

According to an XXXX XXXX article, XXXX XXXX XXXX, it is very possible for hackers to steal PIN codes from a retailer. If I am correct there were several transitions from retailers, XXXX and XXXX XXXX before larger withdrawals were made. 

You can not provide video recordings from your ATM, nor can you prove that my son or I made these charges. 

Furthermore, I had four accounts with Chase, # XXXX is NOT an account that I own. 

As you can see from my history, weve had a steady income. Nothing has changed that would be a motive for us to commit such heinous acts. 

I came across another article that further validates that my account could have been hacked, and possibly by a Chase banker. XXXX XXXX XXXXXXXX On XX/XX/XXXX, my husbands payroll deposit of {$2200.00} was deposited and the same day the account was restricted. The balance was then transferred to the account ending XXXX, along with the balance in XXXX account ( which I believe was {$19.00} ). Again, we were not notified. And after I called to inquire and filed the executive office complaint, then all the accounts were closed and XXXX was created. 

Chase, youre the fraud!

Company response to consumer: Closed with explanation