vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-04 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: IA

Complaint narrative:
After reviewing my most recent credit report I see an account listed for XXXX, however I see that the information listed for that account is incorrect and such incorrect information will further increase the negative impact on my credit scoring which is unfair to me as a consumer. Experian has this account listed with incorrect DATE OPENED of XX/XX/2020. I spoke to XXXX and entered into a payment arrangement ( attached is text from XXXX confirming the payment arrangement ) so why is this account being listed as in collections, when I am clearly in an agreed payment arrangement which does not need any further collections activity or status or notifications. Why has Experian not conducted the correct due diligence in reporting this account, their actions either negligent or willful misconduct can have caused an unnecessary further damage to my credit report and overall credit scoring.

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 2022-04-04 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: NC

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-04-04 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-04-04 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2022-04-04 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: FL

Complaint narrative:
I have reached out to the credit Bureaus over 30 days ago and I am yet to receive a response, these items on my credit report are inaccurate and I demand to have them deleted.

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 2022-04-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have reached out to the credit Bureaus over 30 days ago and I am yet to receive a response, these items on my credit report are inaccurate and I demand to have them deleted.

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 2022-04-04 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: Advantage Credit, Inc.
State: CA

Complaint narrative:
Inquiries I don't recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: Cogent Road, Inc.
State: CA

Complaint narrative:
Inquiries I don't recognize

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: CBC Companies, Inc.
State: CA

Complaint narrative:
Unauthorized inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

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 2022-04-04 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: IA

Complaint narrative:
After reviewing my most recent credit report I see an account listed for XXXX, however I see that the information listed for that account is incorrect and such incorrect information will further increase the negative impact on my credit scoring which is unfair to me as a consumer. Equifax has this account listed with incorrect DATE OPENED of XX/XX/2020. I spoke to XXXX and entered into a payment arrangement ( attached is text from XXXX confirming the payment arrangement ) so why is this account being listed as in collections, when I am clearly in an agreed payment arrangement which does not need any further collections activity or status or notifications. Why has Equifax not conducted the correct due diligence in reporting this account, their actions either negligent or willful misconduct can have caused an unnecessary further damage to my credit report and overall credit scoring.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: VA

Complaint narrative:
After removing certain items from my report, Transunion also put them back on. See attachments

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 2022-04-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report 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 2022-04-04 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: NC

Complaint narrative:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

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 2022-04-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Exeter Finance, LLC.
State: MN

Complaint narrative:
I made a payment to what I have left of the loan. I just ask for a statement that says Everything is paid off and there telling me different dates and Exeter Finance say they will send it repeatedly. I have called them more than 10 times to ask for a payoff statement or paid statement and they do not send anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pressler & Pressler, LLP
State: NY

Complaint narrative:
1. I've reached out and requested proof of this debt and can only be provided statements. Statements only show that the credit card was used and do not validated that the credit card belonged to me 2. This debt show on my credit for all 3 credit bureaus ( XXXX, XXXX XXXX, and XXXX ) as being " closed by the consumer ''. This is not correct seeing that I am currently disputing this debt. This also validates the inaccuracy of this debt. The company is wrongfully threatening me with legal action. 
3. As a NY resident, I'd like to call attention to the fact that the statute of limitation for collecting such debt is 3 years. The company has not been able to provide proof of when this debt was sent to collections nor is the information being reported to credit bureaus correctly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Attempting to apply for a home loan via XXXX XXXX and equifax is not producing my credit report I have contacted equifax multiple times and they state there is no freeze and everything should be able to be pulled But after multiple attempts by the bank, its still not being produced

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
On XX/XX/XXXX I opened a new checking account with Citibank after finding an ad for a bonus promotion ( # XXXX ) for depositing a minimum dollar amount in the new account. The promotion in my case was {$700.00} for depositing at least {$50000.00}. On XX/XX/XXXX, I transferred {$51000.00} into the newly opened account. As per the terms of the promotion, I transferred {$47000.00} out of the account XX/XX/XXXX, months after I had kept {$50000.00} in the account for the obligatory period. I left {$4000.00} thereafter to the present day. 

I have met the qualifications for the bonus, but Citibank has not applied it to my account. I called three times to confirm that my account qualified for the promotion, and was told each time that it did. The Citibank support agent told me this today by phone : You have met all the requirements for the promotion. The agent filed a complaint on my behalf. The account is in good standing, exactly six months after I funded it. 

It is notable that Citibank sends no confirmation of the bonus sign-up with new account information. All information I've obtained has been from company support agents.

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 2022-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
This is a complaint against Citizens Bank of XXXX, RI ( " Citizens '' ) I was formerly a customer of XXXX, which Citizens Bank acquired my account through XXXX. 
XXXX was previously my primary bank where I set up numerous auto-pay and direct deposit. When my XXXX account was acquired by Citizens, I was informed that none of my auto-pay information would properly transfer over to Citizens from XXXX. As a result I spent weeks migrating my auto-pay accounts off XXXX/Citizens. During the transition I experienced several days of " black out '' and no one from Citizens Bank was able to provide any support. 

On XX/XX/2022, the first business day I had visibility into my own account, I went to Citizens Bank branch in XXXX ( the only branch within 20 miles of where I live ) to promptly close my account. The Citizens Bank branch representative assured me the account was fully close out and kept my Citizens debit card at account closure.

Several days after stated account closure, I noticed via Citizens mobile app that there is an alleged {$83.00} overdrawn balance, apparently resulting from one of the auto-pay debits that I have migrated away from XXXXCitizens. 

I have since then made at least five different attempts to contact Citizens Bank but each time I end up spending over 30 mins on hold via Citizens phone line XXXX and not able to reach any person. Further, 1 ) Citizens phone support offers no call back feature, 2 ) there is no 'email contact ' option anywhere on Citizens website or mobile app, and 3 ) the 'chat ' feature is no available.

I have spent too much time trying to help Citizens Bank out with their own clerical error on the alleged {$83.00} overdrawn balance, but recently received a paper mail stating the balance is at their 'Collections Department '. When I tried to call the number stated on the letter, I end up at the same XXXX with no one ever picking up the phone and 'infinite wait '. 

My account number at Citizens Bank is XXXX Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc.
State: OR

Complaint narrative:
On Thursday XX/XX/XXXX, a variety of fraudulent charges were posted to my account. These included : two charges at XXXX ( which I was able to reverse by calling the store ) and four additional charges ( which I was not able to reverse ) that included XXXX XXXX XXXX XXXX for {$100.00} each and XXXX XXXX for {$310.00} each. Total amount of fraudulent charges equaled {$830.00}. Some of these charges were made when my account was supposedly " locked. '' I have an additional concern that the security and features this financial institution promotes are false. 

I immediately filed disputes ( my bank refused to reverse the charges ). These charges were made in the XXXX XXXX XXXX ( I reside in Oregon and can provide proof that I was in Oregon during the time of these charges ). My bank informed me I might be eligible for a provisional credit within 10 business days. I was then informed around the date of XX/XX/XXXX that I should receive a provision credit to my account by end of business ( at the latest per my bank ) XXXX XX/XX/XXXX. 

On XXXX XX/XX/XXXX ( after not receiving a provisional credit ) I was told by my bank that, " maybe I was misinformed '' but it looked like I didn't qualify ( they weren't sure ). I asked to receive documentation as to why I didn't qualify and they refused to provide any sort of explanation or documentation other than, " our investigation will be closed by XX/XX/XXXX and perhaps you'll get the funds then. '' My attempts to speak with a supervisor were not fulfilled. 

This is a lot of money that was fraudulently taken and now withheld. Communication with MoneyLion has been nothing short of nightmarish and I feel severely taken advantage of as a customer. How can this even be allowed to happen to a consumer? {$830.00} might not be a lot to some people, but as a person living pay check to pay check, this has made a severe impact on my ability to pay utilities and bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
We have disputed this error twice with Mr. Cooper for our home loan that they say we missed a payment on. In 12 years of owning 5 homes, we have never missed or been late on a mortgage payment. 

1. Our loan was originally owned by XXXX Home Mortgage in XXXX XXXX. XX/XX/XXXX, we started a cash-out refi with XXXX XXXX 3. XX/XX/XXXX, our final payment was made to XXXX Home Mortgage. 
4. Sometime between XXXX and XXXX, Mr Cooper purchased the loan from XXXX. 
5. XX/XX/XXXX, XXXX XXXX  sent pay off to XXXX XXXX XXXX XXXX. XX/XX/XXXX, XXXX rejected payment and notified XXXX XXXX that Mr Cooper had purchased the loan 7. XX/XX/XXXX, XXXX XXXX notified us that Mr Cooper had purchased loan. This was the first we had heard that Mr Cooper had purchased the loan. 
8. XX/XX/XXXX, Payoff sent to Mr Cooper and account closed. 


RESPA guidelines say there is a credit reporting blackout for 60 days after a loan changes companies. 

1. Mr. Cooper shows Our last payment to XXXX was made in XXXX. 
2. Mr Cooper did not pick up the loan until XXXX. 
3. Mr Cooper received payoff for loan in XX/XX/XXXX. 

After talking with multiple people at Mr Cooper over the last 6 weeks, everyone is in agreement that this is within the 60 day window that a missed payment should not have been reported to the agencies. 

Our credit scores were lowered by 70+ points and we are trying to purchase another home. We have called Mr. Cooper 13 times since XX/XX/XXXX, filed 2 credit disputes with them, and the have responded that there is nothing to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: FL

Complaint narrative:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SECURITY CREDIT SYSTEMS INC
State: NY

Complaint narrative:
I received a collection notice for a medical debt that was {$42.00} Security Collection Systems is attempting to collect {$54.00} from me.

I requested a verification of debt from them and them sent it to me, it shows {$42.00} owed.

When I call them and try to pay the {$42.00} they wont accept it saying I owe the {$54.00}

Company response to consumer: Closed with explanation