vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-05 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:
AS I REVIEW MY CREDIT REPORT TODAY I NOTICE THAT THERE WERE SEVERAL INACCURATE ITEMS THINGS FROM 7 YEARS AGO AND NONE OF THE BIG 3 WILL CORRECT THEM THERE ARE ITEMS ON MY REPORT THAT I NEVER HAD ANYTHING TO DO WITH I HAVE BEEN ASKING FOR HELP NOW FOR 5 YEARS AND IT SEEMS NO ONE WILL HELP ME WITH THESE 3 COMPANIES THERE ARE ITEMS FROM XXXX SHOWING ON MY REPORT WHICH ARE PASS THE 7 YEARS BUT WHEN I CONTACT THEM THEY SAY THE DATE START OVER. I HAVE NOW NOTICE HOSPITAL BILL ON MY REPORT I HAVE NOT BEEN TO THE HOSPITAL IN YEARS ABOUT 20 SO HOW DO I OWE A BILL MY WHOLE REORT IS BEING REPORTED INACCURATE I DONT KNOW WHAT ELSE TO DO BUT TRY AND GET A LAWYER I PRAY THAT THE CFPB CAN HELP WITH THIS PROBLEM. THANK YOU

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 2021-12-05 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:
AS I REVIEW MY CREDIT REPORT TODAY I NOTICE THAT THERE WERE SEVERAL INACCURATE ITEMS THINGS FROM XXXX YEARS AGO AND NONE OF THE BIG XXXX WILL CORRECT THEM THERE ARE ITEMS ON MY REPORT THAT I NEVER HAD ANYTHING TO DO WITH I HAVE BEEN ASKING FOR HELP NOW FOR 5 YEARS AND IT SEEMS NO ONE WILL HELP ME WITH THESE XXXX COMPANIES THERE ARE ITEMS FROM XXXX SHOWING ON MY REPORT WHICH ARE PASS THE 7 YEARS BUT WHEN I CONTACT THEM THEY SAY THE DATE START OVER. I HAVE NOW NOTICE HOSPITAL BILL ON MY REPORT I HAVE NOT BEEN TO THE HOSPITAL IN YEARS ABOUT XXXX SO HOW DO I OWE A BILL MY WHOLE REORT IS BEING REPORTED INACCURATE I DONT KNOW WHAT ELSE TO DO BUT TRY AND GET A LAWYER I PRAY THAT THE CFPB CAN HELP WITH THIS PROBLEM. THANK YOU

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 2021-12-05 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: TX

Complaint narrative:
i have reported this information. I have hard inquries on my credit report that is not me and they refuse to remove the information. the inquries on my report that need to be removed are as listed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE NOTHING NO KNOWLEGE OF NONE OF THESE AND I WANT THEM REMOVE FROM 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 2021-12-05 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: PA

Complaint narrative:
Hello, I hope you are having an excellent day. Recently I have filed a dispute with the credit reporting agencies because of inaccurate information on my credit, which is hindering me of getting more credit. To this day I have not received any updates from them regarding the investigation that is suppose to take place. I have sent out the necessary letters and also gave them the necessary time frame to dispute all inaccuracies and reach back out to me. But alas, they have not reached back out to me. I also filed a XXXX day demand letter in order for them to update me on the investigation, but also I have not heard from them. This is very important for me because as stated earlier, I can not receive any high end credit because of the inaccurate information the credit bureaus reported on my credit. 

Initial Dispute XX/XX/2021 XXXX Day Demand XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 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: PA

Complaint narrative:
Hello, I hope you are having an excellent day. Recently I have filed a dispute with the credit reporting agencies because of inaccurate information on my credit, which is hindering me of getting more credit. To this day I have not received any updates from them regarding the investigation that is suppose to take place. I have sent out the necessary letters and also gave them the necessary time frame to dispute all inaccuracies and reach back out to me. But alas, they have not reached back out to me. I also filed a XXXX day demand letter in order for them to update me on the investigation, but also I have not heard from them. This is very important for me because as stated earlier, I can not receive any high end credit because of the inaccurate information the credit bureaus reported on my credit. 

Initial Dispute XX/XX/2021 XXXX  Day Demand XX/XX/2021

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 2021-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN HONDA FINANCE CORP
State: IL

Complaint narrative:
On XX/XX/2021, I received a notice from XXXX that a charge-off was added to my account unbeknownst to me by American Honda Finance Elgin ILL , Although I had previously asked both parties separately in written communication for specific documents pertaining to the authority and accuracy/verification of the amounts being reported. I specially ask for the authority and permissible purpose of the individual furnishing data, hard copy of original contract including wet-ink signature, pay-off disclosure, interest rate disclosure, balance history, payment history and credit insurance disclosure as of today I have received no valid response or proof as to who this debt, if any is owed to, or clear accounting showing the initial loan and each transaction. As for the charge off it appears to have certain inconsistencies in the data being reported to XXXX, XXXX and XXXX Thank you for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I used venmo to receive payments from a client totaling {$1200.00} the service then held the money I received chronicling an absolutely absurd excuse of security for holding my money. They had me verify the acct which I did immediately. I was then informed that my funds would be held i true acct for 180 days. This is not acceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
On XX/XX/2021, I applied online for a XXXX checking account ( the Account ) offered by Populus Financial Group , Inc. ( Populus ) in response to a promotional offer ( the Offer ) : SET UP DIRECT DEPOSIT TO EARN { {$100.00} } ( Exhibit A ). I was approved for the Account and I subsequently set up a direct deposit in fulfillment of the terms. When the bonus did not post, I reached out via email and was told that the Offer required Card Activation ( Exhibit B ), a condition that was clearly not present in the original terms. Therefore, I respectfully demand that Populus pay the bonus of { {$100.00} }. Otherwise, this matter will proceed to arbitration with all costs and fees taxed to Populus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 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: FL

Complaint narrative:
At the top of COVID 19, I was unemployed and looking for work. I informed XXXX XXXX that I was unemployed and unable to submit payment for my monthly bill. During this time, all credit companies were told not to make any late payment remarks against credit accounts as many Americans were unemployed. XXXX XXXX still reported 3 months of late payments- XXXX, XXXX, and XX/XX/2020.

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 2021-12-05 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: FL

Complaint narrative:
At the top of COVID 19, I was unemployed and looking for work. I informed XXXX XXXX that I was unemployed and unable to submit payment for my monthly bill. During this time, all credit companies were told not to make any late payment remarks against credit accounts as many Americans were unemployed. XXXX XXXX still reported 3 months of late payments- XXXX, XXXX, and XX/XX/2020.

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 2021-12-05 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: Debt Recovery Solutions, LLC
State: AL

Complaint narrative:
XXXX XXXX placed an inaccurate collection from XXXX XXXX on my XXXX credit report. This is not my account. I do not owe XXXX XXXX nor opened an account on XX/XX/2021. I recently started a mortgage pre-approval process. I applied with XXXX XXXX XXXX. After applying with these companies, this collection appeared on my XXXX credit report. While researching XXXX, the reviews stated this company is a scam. The collection needs to removed immediately. This is not my debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian Credit - Charged me XXXX as of XX/XX/XXXX. I did authorize charge and they refuse to refund. They charge and bill services that have no access to see, or cancel. 

They services charges that we have no access to see or cancel and make it very hard to contact a person.

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 2021-12-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: TX

Complaint narrative:
I received an electronic debt letter from Hunter Warfield located at XXXX XXXX XXXX XXXX, XXXX, FL. I am not aware of this company and have never did business with them. When looking at the letter I notice violations of : 15 USC 1692b ( 5 ) 15 USC 1692e ( 10 ) 15 USC 1692b ( 2 ) The letter was also in violation of 15 USC 1692c ( a ). 
Again, this company is completing identity theft, I have not done business with this company. Please remove off my consumer report and provide compensation for the violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
At the top of COVID 19, I was unemployed and looking for work. I informed Capital One that I was unemployed and unable to submit payment for my monthly bill. During this time, all credit companies were told not to make any late payment remarks against credit accounts as many Americans were unemployed. Capital One still reported 3 months of late payments- XXXX, XXXX, and XX/XX/2020.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

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 2021-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I have been pre-approved a mortgage loan by Penfed credit union on XXXX, XXXX, got offer then go through all the loan process, however the underwriter denied my conventional loan process had issues interpreting the guidelines I found out attached links are proof improperly interpreting the guidelines XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  . We have a longstanding policy on eligibility for non-U.S. citizen borrowers. XXXX XXXX purchases and securitizes mortgages to non-citizens who are lawful permanent or non-permanent residents of the United States under the same terms available to U.S. citizens. 
XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX Eligibility Requirements ( XX/XX/XXXX ) XXXX  XXXX XXXX Eligibility Requirements. XXXX XXXX  purchases and securitizes mortgages made to nonU.S. citizens who are lawful permanent or non-permanent residents of the United States under the same terms that are available to U.S. citizens. 
XXXX XXXX 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 2021-12-05 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:
I have used a CITI bank XXXX XXXX XXXX  card for the past 35 years. I have used the card because I am XXXX and XXXX. I have to travel with an XXXX The advantage miles allow me to purchase XXXX seats for me and my XXXX 

I have used the card twice in the past 35 years in order to attend XXXX XXXX. I am XXXX XXXX XXXX and can not travel XXXX 

When I contacted the XXXX XXXX service on XX/XX/2021, I was told that XXXX points had been used for a trip to the XXXX in XXXX, 2021. II told them that this was fraud. I have never authorized anyone to use the card and my name is the only name on the account. They put me on HOLD for 77 minutes.

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 2021-12-05 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: MD

Complaint narrative:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

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 2021-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

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 2021-12-05 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: LA

Complaint narrative:
In the year 2019 I had this company open a report stating I owed them XXXX and some change. My credit was rising but when they jumped on my credit since 2019 they have tore my credit down for something that is not my legal responsibility. If this does not get them off my credit my next step will be to hire an attorney. This has been affecting me for 3 years now cost me from buying me n my kids a home

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 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: GA

Complaint narrative:
I checked my reports for accuracy and I saw a very old account for XXXX XXXX for {$650.00} that was opened in XXXX still reporting almost seven years later. The credit reporting time limit of XXXX years from the date of last activity is defined by the Fair Credit Reporting Act. The seven year date is XX/XX/XXXX. I am requesting this account be deleted as its very old.

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 2021-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
I got an alert that a company called that debt recovery solutions located in New York has placed a collection account on my credit bureaus. This is in direct violation of regulation F. Ive never spoken to these people or received any written communication from them.

Company response to consumer: Closed with explanation