vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-29 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: GA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong 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 non-monetary relief
Consumer complaint received 2021-11-29 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: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
I purchased a car on XX/XX/2017 and Santander. Consumer finance never reported my on time payments for the past XXXX years this is a direct violation of my rights and the right to fair credit reporting act I paid on time for XXXX years not one single report I just recently paid the last remaining amount on my loan I want the history of this account fixed immediately or face litigation due to unfair reporting practices

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: PA

Complaint narrative:
This account XXXX  ( XXXX ) list on my credit report has been cancelled. The bank issued a XXXX form and the account has been filed as EARNED INCOME. Since the account has been filed with the IRS the account status is now earned income, INCOME IS NOT REPORTED ON CREDIT PROFILES. PLEASE DELETE IMMEDIATLEY. This is a violation of 15 U.S Code 1681e compliance procedures ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. If this account is not deleted immediately, I will take legal action for negligent and willful noncompliance with the law. I am not a credit report company and this matter is not " frivolous '' or " irrelevant '', in fact I can assure you that I no way do I or my legal team consider a matter of such importance as " frivolous '' or " irrelevant ''

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 2021-11-29 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: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
Hello, I am writing because I closed my account with Zales Outlet the XXXX XXXX on XX/XX/XXXX and paid it off in full. 

I began receiving phone calls from XXXX XXXX XXXX to collect a debt amount of {$69.00} and a new statement dated XX/XX/XXXX. On the bill there is an amount of {$33.00} for a previous balance and fees charges of {$35.00}. 

They have reported me as late for an account closed almost six months ago and has now messed up my 100 % payment history for the last XXXX years. 

I was put on hold and transferred three times for someone to help me with this. 

They told me I would have to call a number to request the credit reporting to be corrected. 

I have advised them I WILL NOT CALL ANYONE FOR AN ERROR on their part. 

They are refusing to help me. 

This is a scam and they need to be shut down. 

Please help me with this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-29 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: PA

Complaint narrative:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I sent letters to Transunion Credit Bureau from XX/XX/XXXX, and I have not received any response up to this date. On the other hand, the inaccuracies about my account is continuously reported on my Transunion Credit Report. That means Transunion failed to comply with the Fair Credit Reporting Act law which states that the Bureau should provide to the client 's requests. Here is the concerned account : XXXX OF XXXX XXXX Balance {$0.00} Opened Date XX/XX/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 2021-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
On XX/XX/2021 I received a letter in behalf of LVNV Funding LLC from XXXX, XXXX and XXXX stating they wre represent them. After doing some investigation I noticed that the attorney did not have license to practice in the state that the XXXX originated in which is MA. XXXX has also been reporting this account incorrectly which is hurting my credit. They have been reporting a past due balance. As per the FDCPA only the original creditor can report an account 30,60,90 or 120 days past due. They are in violation and ask that this account be removed from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: Kashable LLC
State: FL

Complaint narrative:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I am very upset with this issue. I sent a letter to the Creditors and Collections agency regarding inaccurate accounts on my report. It is now XXXX days and I have not received a repsonse. I did my research and I am for sure that they have XXXX days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I am very upset with this issue. I sent a letter to the Creditors and Collections agency regarding inaccurate accounts on my report. It is now XXXX days and I have not received a repsonse. I did my research and I am for sure that they have XXXX days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

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 2021-11-29 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: PA

Complaint narrative:
This account BXXXX  ( XXXX ) list on my credit report has been cancelled. The bank issued a 1099C form and the account has been filed as EARNED INCOME. Since the account has been filed with the IRS the account status is now earned income, INCOME IS NOT REPORTED ON CREDIT PROFILES. PLEASE DELETE IMMEDIATLEY. This is a violation of 15 U.S Code 1681e compliance procedures ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. If this account is not deleted immediately, I will take legal action for negligent and willful noncompliance with the law. I am not a credit report company and this matter is not " frivolous '' or " irrelevant '', in fact I can assure you that I no way do I or my legal team consider a matter of such importance as " frivolous '' or " irrelevant ''

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 2021-11-29 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: PA

Complaint narrative:
This account XXXX ( XXXX ) list on my credit report has been cancelled. The bank issued a 1099C form and the account has been filed as EARNED INCOME. Since the account has been filed with the IRS the account status is now earned income, INCOME IS NOT REPORTED ON CREDIT PROFILES. PLEASE DELETE IMMEDIATLEY. This is a violation of 15 U.S Code 1681e compliance procedures ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. If this account is not deleted immediately, I will take legal action for negligent and willful noncompliance with the law. I am not a credit report company and this matter is not " frivolous '' or " irrelevant '', in fact I can assure you that I no way do I or my legal team consider a matter of such importance as " frivolous '' or " irrelevant ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I called Capital one regarding the account XXXX XXXX XXXX XXXX I didnt open this account Is no contract with my signature The time was open I was sick They said i they send me mail with I never receive it before Im requesting Capital one to remove this account from my credit report This account is affecting me from renting an apartment I have a XXXX  sister which I take care of her because the negative account is affecting me from renting an apartment I called Capital one to talk to ask a few questions and the representative told me that I was having a stop and desist and they couldnt do nothing with that So I said to the representative of Capital to authorize to delete the stop and desist to talk about what happened to me Immediately I authorized the representative of Capital one to delete the stop and desist He started this an attempt to collect a debt He didnt even let talk He continue this is an attend to collect He was so rude he didnt even want me to talk about the reason I was calling He said to me you call to pay I start it lying from the beginning First I never say that and second I told him that I didnt open this account He was rude I ask for a supervisor I wait and then I couldnt communicate with the supervisor at the end I hang off because this people they dont want to listen to reason They dont want to listen to nothing just Pay me that is all I ask for help to the bureau of consumer finance This is one of the most ruthless credit card companies. When you talk to them they dont treat you with kindness or humanity Just like a number like someone that owe money to the mafia pay me or pay me I d like to make a movement to show the real face of this company Lack of empathy, kindness and hypocrisy But is God in heaven

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: GA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: PA

Complaint narrative:
Hi could you check my records? I have been sendng you letters about so many inaccuracies on my credit but nothing seems to be moving nor I get any response from you telling me that you are conducting an investigation. The last one was sent on XX/XX/2021. I know people who sent dispute letters to you, and they tell me I am supposed to get a response, but you don't seem to be responding. Please do check my files and investigate all those inaccuracies that should be on my report in the first place

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 2021-11-29 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: PA

Complaint narrative:
Hi could you check my records? I have been sendng you letters about so many inaccuracies on my credit but nothing seems to be moving nor I get any response from you telling me that you are conducting an investigation. The last one was sent on XX/XX/2021. I know people who sent dispute letters to you, and they tell me I am supposed to get a response, but you don't seem to be responding. Please do check my files and investigate all those inaccuracies that should be on my report in the first place

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2021, I made a transfer of {$5000.00} from my XXXX BOA prepaid account to my sister 's BOA checking account. I've attached a photos of the transaction. I borrowed money from her and was paying her back. When the transfer reached her account, Bank of America closed her account permanently due to suspicious activities. She has been with BOA for more than XXXX years. She went in and explained it to them, they still kept it closed since i wasn't there. I stay in XXXX XXXX, she lives in Texas. 

Then they kept the {$5000.00} transfer stating that transfers from XXXX  prepaid account to others account aren't authorized. I wasn't aware of that policy, since I always transfer funds from there to my regular credit union checking account. 

Bank of America didn't even send that money back to my prepaid account, they just kept it. I called the BOA prepaid customer service and was told that i needed to file a claim in order to get my money back which i did right away. every week i kept calling and was told no number has been assigned to the claim yet. Then was told a wrong claim was filed, then they filed another one. couple of weeks after, i called and was told the claim was denied. I asked why and was told she couldn't see why. then she said she reopened the claim and asked for it to be reviewed. Then nothing. 

I really need those funds during these hard times. I really don't understand what is complicated about this issue. Even my sister 's account shouldn't have been closed permanently. She went in and explained it to them. 

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 2021-11-29 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: GA

Complaint narrative:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take XXXX action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
$ XXXX was wired to my company account on XXXX XXXX, 2021 internationally. M & T bank is still not releasing the funds and refuse to send $ 650K outgoing wire internationally although we have submitted all of the requested documents to M & T bank. They keep telling us to wait until their security process is completed but it has been 2 weeks already and there is no answer from M & T bank.

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 2021-11-29 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: Avant Holding Company, Inc.
State: CT

Complaint narrative:
I tried contacting Avant, the credit card company about an alleged past due balance. I paid my card already however when I logged into my account, it states that I have a past due balance of {$58.00} and change which doesn't make sense especially if they tacked on a {$25.00} fee. I should not have a past due balance nor should I have a late fee. I called Avant this morning on XX/XX/2021 XXXX times and each time the representative hung up on me and neither time did they call me back while I tried to resolve this issue. So now instead of calling back, as I am very frustrated I decided to submit a complaint as that is not how you treat customers. No one should be hung up on while trying to resolve an important matter and have no one call back. The XXXX numbers that I called are ( XXXX ) XXXX and ( XXXX ) XXXX. Each of those numbers I called and spoke to XXXX different reps and was hung up on each time. I have never had a late payment or overage on this card, never taken a cash advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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:
These accounts arent mine. I have no knowledge of them. I was XXXX when accounts were open. I disputed these accounts on my credit reports. Please remove from my report ASAP. Im trying to get on my feet and when I apply for credit these accounts are stopping me. Im trying to take care of my family. Please remove. 
Account numbers are XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation