vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-17 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
The 3 credit Bureaus are reporting a 30 day late for XXXX XXXX for the month of XXXX. XXXX XXXX has confirmed they never reported the account late.

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 2021-09-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Numerous times i have contacted trans union to dispute the charge off accounts on my credit report. They have failed to verify these accounts. But these accounts are still showing on my credit report. At this point, they are going against the fair credit reporting act. They are not providing me with correct verification on these accounts listed. XXXX XXXX XXXX XXXX XXXX XXXX. If you can not show me proof on how these accounts were verified, please remove them.

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 2021-09-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: TX

Complaint narrative:
XXXX Klarna 's system would not accept my personal debit card. My original card was stolen and I attempted to use a replacement card. Their system recognizes my replaced XXXX debit card as a credit card. They will not take my payments over the phone or by app. Klarna asked me to use another form of payment such as another debit card. The only other card I have is a business debit. I can not use that card just because they said so. I have had the amount blocked through a stop payment with XXXX, as the company tried to draft an ACH. I attempted XXXX and that did not work. XXXX reported no issues on their end. A {$1.00} hold was placed on the current personal debit card with each attempt. Company has offered to not charge me late fees but insists I need to get another personal debit card to pay them. I attempted to create a new one-time card and was successful with the new/replacement XXXX debit ( personal ) card. The company took out the first installment of the latest purchase on XXXX the company will not allow me to pay the account using the card. They also denied me credit with XXXX XXXX  stating I had bad payment history ... because they will not use my debit card on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Transfinancial Companies, Inc
State: LA

Complaint narrative:
1. notified and disputed this item with XXXX XXXX XXXX XXXX and XXXX via certified letter on XX/XX/2021 stating that this information reported by Transfinancial was not valid and requested immediate removal from my credit reports. 

2. notified Transfinancial , Inc via certified mail dated XXXX/XXXX/201 demanding validation of debt and permanent and quick removal from XXXX XXXX XXXX XXXX and XXXX credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Debt Recovery Solutions, LLC
State: VA

Complaint narrative:
Repeated phone calls on my work cell phone from Debt Recovery solutions after being asked to not call me on this number. Requested information by mail and was informed I would have to settle with them on the phone or I would be subject to legal action. Told them I was not willing to communicate on my work phone and they would have to contact me by mail. Consistently harassed over multiple phone calls. Debt was removed from my credit report and then resubmitted multiple times. I've disputed and had it removed and then a couple of months later it was sold to another debt collector, consolidated the amount and resubmitted it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
Fraudulent transaction was posted on my HSBC card in XX/XX/2021. I reported it as fraud for the investigation. Account was closed and new account was opened with balance transferred to new account. After multiple calls over months I could get late charges and balance removed last month. I also got letter about collections. Now I see balance back on closed account and statement to pay balance of fraud transactions. Over months this is been very frustrating experience without any communication from HSBC about investigation or conclusion except for asking for payment. I feel this is not fair action from HSBC to collect money reported as fraud. I need help to resolve this problem. All my attempts have failed to resolve this issue. I have all the documentation of chat and mails.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: GA

Complaint narrative:
IT HAS COME TO MY ATTENTION THAT I HAVE BEEN A VICTIM OF IDENTITY THEFT FOR A FEW YEARS NOW. ( COLLECTION AGENCY ) PLACED A COLLECTION ON MY CREDIT REPORT THAT WAS FROM A FRAUDULENT ACTIVITY. I HAVE CONTACTED ( COLLECTION AGENCY ) AND ( ORIGINAL CREDITOR ) AND EXPLAINED TO THEM WHICH I WAS TRANSFERRED SEVERAL TIMES, I FELT DISRESPECTED BY THE CUSTOMER SERVICE REPRESENTATIVE AFTER EXPLAINING TO THEM THE SITUATION THAT THEY HAVE THE WORNG PERSON. THIS COMPANY IS VERY UNPROFESSIONAL! I ALSO SENT THEM A COPY OF THE POLICE REPORT. I WILL ALSO FILE WITH CFPB AND FTC! THIS IS VERY INCONVENIENT ON MY PART!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: OH

Complaint narrative:
I filed several disputes with experian. On XXXX XXXX XXXX XX/XX/XXXX of 2021. Although each have been found in my favor because I have never missed or had late payment... On my experian credit summary it shows a late payment and on my XXXX score XXXX it shows few accounts paid on time and serious delenquency and on additional XXXX scores bad payment history, missed payments and serious delenquency. The disputes all found I was never late, I never missed a payment and the account was closed at the time they claim this happened.

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 2021-09-17 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: EQUIFAX, INC.
State: IA

Complaint narrative:
I sent a dispute letter Equifax on XX/XX/2021 in regards to them reporting medical information on my credit report which violates my right to privacy as a Consumer and I still havent received a response yet as to if there is an investigation in progress, please fix this immediately. 

My name is XXXX XXXX and Im submitting this complaint on behalf of myself and would like you guys to proceed forward with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: GA

Complaint narrative:
IT HAS COME TO MY ATTENTION THAT I HAVE BEEN A VICTIM OF IDENTITY THEFT FOR A FEW YEARS NOW. ( COLLECTION AGENCY ) PLACED A COLLECTION ON MY CREDIT REPORT THAT WAS FROM A FRAUDULENT ACTIVITY. I HAVE CONTACTED ( COLLECTION AGENCY ) AND ( ORIGINAL CREDITOR ) AND EXPLAINED TO THEM WHICH I WAS TRANSFERRED SEVERAL TIMES, I FELT DISRESPECTED BY THE CUSTOMER SERVICE REPRESENTATIVE AFTER EXPLAINING TO THEM THE SITUATION THAT THEY HAVE THE WORNG PERSON. THIS COMPANY IS VERY UNPROFESSIONAL! I ALSO SENT THEM A COPY OF THE POLICE REPORT. I WILL ALSO FILE WITH CFPB AND FTC! THIS IS VERY INCONVENIENT ON MY PART!

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 2021-09-17 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: GA

Complaint narrative:
IT HAS COME TO MY ATTENTION THAT I HAVE BEEN A VICTIM OF IDENTITY THEFT FOR A FEW YEARS NOW. ( COLLECTION AGENCY ) PLACED A COLLECTION ON MY CREDIT REPORT THAT WAS FROM A FRAUDULENT ACTIVITY. I HAVE CONTACTED ( COLLECTION AGENCY ) AND ( ORIGINAL CREDITOR ) AND EXPLAINED TO THEM WHICH I WAS TRANSFERRED SEVERAL TIMES, I FELT DISRESPECTED BY THE CUSTOMER SERVICE REPRESENTATIVE AFTER EXPLAINING TO THEM THE SITUATION THAT THEY HAVE THE WORNG PERSON. THIS COMPANY IS VERY UNPROFESSIONAL! I ALSO SENT THEM A COPY OF THE POLICE REPORT. I WILL ALSO FILE WITH CFPB AND FTC! THIS IS VERY INCONVENIENT ON MY PART!

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 2021-09-17 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: Early Warning Services, LLC
State: VA

Complaint narrative:
Someone opened up an account using my SSN to get bank accounts over the years and it has affected my banking situation and reporting. The following banks I have never opened an account with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Now XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( Now XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: WA

Complaint narrative:
I have submitted a dispute but have not been notified that the accounts being disputed are under investigation and/or deleted. They have only added comments and have not removed the inaccurate accounts. The accounts have recently hurt my potential to obtain a home in which I have been denied and other things based off these inaccurate reporting 's. I have requested these to be removed immediately but they have not been removed. They have also obtained and used non public information without permission in these reports which violates the FCRA. 

The information on my credit report that is being reported violates several FCRA laws : 602 15 U.S.C 1681 611, 15 U.S.C 1681,15. U.S.C 6801, 623 15 U.S.C 1681. All which I have included my dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Numerous times i have contacted trans union to dispute the mortgage companies on my report. XXXX  mortgage company and XXXX mortgage. They failed to provide me with any verification on these accounts. So at this point, they are going against the fair credit reporting act. I do not have a mortgage with these companies. I want this incorrect information deleted immediately. Because it is effecting what i need to do in the future. Please remove 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 2021-09-17 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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:
this company did not respond to me in a timely matter I wrote them requesting an investigation into items that I believed were INNACCURATE I havw not received a reply from them or any acknowledgment that an investigation has begun. In my previous request

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 2021-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Automated Accounts Management Services
State: IA

Complaint narrative:
I sent a letter to AAMS LLC in regards to some medical collections that I do not recognize on my credit reports and I havent heard anything back from them in regards to this matter. Please help me resolve this matter. 

My name is XXXX XXXX and Im submitting this complaint on behalf of myself and would like you guys to proceed forward with this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
Over thirty days ago, I, mailed Documentary Evidence to ALLY FINANCIAL in support of contract dispute, which was received by ALLY FINANCIAL on XX/XX/2021. On XX/XX/2021 I opened a case with Consumer Financial Protection Bureau case number : XXXX in reference to this dispute, which was closed. 
On XX/XX/2021 ALLY FINANCIAL submitted a response through the CFPB in the form of a letter. Note that the Documentary Evidence pertaining to this case includes a notarized Affidavit of Truth, which unrebutted stands as Truth. Given ALLY FINANCIALs neglect to respond with a counter-affidavit and by instead providing a letter, which failed to address all violations outlined the original affidavit provided; ALLY FINANCIAL is now in fault and in agreement and have stipulated to the terms outlined in the Documentary Evidence through such actions. Additionally, on XX/XX/2021 I received a letter from ALLY FINANCIAL dated XX/XX/2021 regarding this case, falsely claiming that ALLY FINANCIAL was unable to conduct a reasonable investigation because I did not provide sufficient information. To ensure the clarity of my demands and in light of additional violations identified, Ive submitted a second round of Documentary Evidence including : a. Affidavit of Truth- TILA b. Affidavit of Truth- FDCPA c. Affidavit of Truth- FCRA d. Exhibits ( A through O ) e. Invoice ( updated )

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 2021-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I believe that I am a victim of identity theft. Due to the CoronaVirus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I did. I did not receive an actual proof, physical firsthand documentation of the payment history and proof of last payment and these violations persist on my credit report. I just had to escalate to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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'm victim of Identity Theft. I'm filing this claim because Credit Bureaus are not doing their job in order to investigate existing problem. I am in total disagreement with your investigation response. The fraud items listed below still appear on my credit report, even after their investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

1 ) XXXX  XXXX 2 ) XXXX XXXX  XXXX 3 ) XXXX XXXX XXXX These are not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: VA

Complaint narrative:
I have ask the investigation be properly conducted several times. XXXX owns the XXXX XXXX. The first letter I upload was the letter I received from XXXX stating my account was closed with no balance. The top letter and the XXXX XXXX is the same information, The have falsely reported I filed bankruptcy. The company also false reported a derogatory mark XX/XX/2021. I do not have this card I have not had the card since XXXX when they closed my account have I paid it off. The card number was XXXX. Experian never contacted XXXX during the investigation. Just closed my request for investigation. Sending me to a to a site experian.com/upload that does not accept the documents with case number. I was told to mail to their address. I received an alert today where they close the case less than 30 days. 

Attached documents 1. I have attached the letter from XXXX 2. My list of creditors I include on my bankruptcy excluding XXXX XXXX XXXX caredit card 3. Discharged documents

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 2021-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/21 I attempted to use a ATM machine to withdraw {$500.00}. After entering pin and entering amount no money came out but an error message said because I took too long to remove the money it was was returned inside the machine ( but the money never came out ). But, the account was debited {$500.00}. This machine has a history of malfunctioning which Wells Fargo admits to. Knowing this Wells Fargo says, we have to wait up to 10 days for them to investigate. This is a hardship, we have bills to pay and we need our money now. 

Claim date : XX/XX/21 Claim number : XXXX Wells Fargo customer service number : XXXX ( XXXX ) XXXX Customer name : XXXX XXXX Contact number : ( XXXX ) XXXX. E-mail : 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 2021-09-17 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: TX

Complaint narrative:
Incorrect information remains on my credit report after multiple dispute letters being mailed!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: FL

Complaint narrative:
Numerous times i have disputed with the credit bureaus about these student loan accounts. They have failed everytime to provide me with proof of verification. They have not provided me with an answer well over the 30 days. US dept of education was reported to my credit report 3 times. Each 3 have different balance amounts. All 3 accounts say they were open XX/XX/2011. These accounts has been on my report for 10 years and 7 months. Everything about this situation is not right. These accounts has been on my credit report for over 10 years. This is a automatic removal. All 3 accounts shows 3 different balance amounts. This is a automatic removal because this is inaccurate reporting, and because the same account has been reported 3 times. this goes against the fair credit reporting act 100 %. And the credit bureaus knows this. And still refuses to removal, or they are simply ignoring this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation