vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I reviewed my credit report and came across unfamiliar accounts. Despite my attempts to contact the relevant parties for verification, they have consistently ignored my requests and have not provided any verification.

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 2024-05-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
My account was deactivated due to an extended period of inactivity. I contacted customer support on XX/XX/XXXX and requested to have my account re-activated. I was asked to send a request in writing to their XXXX XXXX Department. I mailed the written request on XX/XX/XXXX. I followed up with a phone call to customer service XXXX weeks later and was told that the letter was not received. I sent another letter via XXXX on XX/XX/XXXX with a tracking number. The letter was delivered on XX/XX/XXXX. I followed up with customer service on XX/XX/XXXX and was advised that the letter was received and my account would be active in XXXX hours. I've contacted customer support on several occasions since and they are unable do give me any further information. I've been told repeatedly that I will just need to wait a few more days. Its been XXXX months!

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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) i'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) i'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland credit management has a fraudulent debt and refuses to help me they keep hanging up on me. XXXX $ they are saying I owe and I never had a loan for that. Only thing on my credit that is my debt are XXXX credit cards. XX/XX/2023 is the alleged date of debt they added to my report not long ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I have asked early warning systems to remove any debt baring my name attached to bank accounts on my consumer report and to show viable evidence that i own this debt and have legally obligations to pay it. They refuse to send me any evidence that this debt belongs to me and evidence showing my signature on these debts and names, phone numbers, of whom they talked to in connections with these bank accounts and is factual. I have sent numerous letters asking to remove these negative remarks as they are not true off my consumer reports and they have refuse and have failed to comply with federal regulations by credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
on XXXX, i sent XXXX, equifax, and XXXX more letters requesting the inaccurate information they are reporting on my credit report that is in violation of 15 usc 1681e ( b ) and needs to be deleted and i will attach a copy of my credit reports outlines the inaccurate information reporting. 

see attachments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
on XXXX, i sent XXXX XXXX and experian more letters requesting the inaccurate information they are reporting on my credit report that is in violation of 15 usc 1681e ( b ) and needs to be deleted and i will attach a copy of my credit reports outlines the inaccurate information reporting. 

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 explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XXXX I receivedDocuments from Trans UnionShowing dispute results.I am attaching photocopies of those documents However I had to call because I am blocked and can NOT get on to their website, I got a big red X and it says you are blocked. I called on XXXX and spoke with XXXX XXXX XXXX who said he was a supervisor who told me each of the disputed items I have on this document is under investigation, I have letters from TransUnion saying that they have closed the investigations and have results. Now those investigation results don't matter, and that say we are in a loop that could go on forever. I am also submitting a letter of dispute that was sent to me from XXXX to send to the other credit bureaus regarding XXXX XXXX. IAM being Denided access to my credit report at this time. Transunion is the ONLY credit bureau that is doing this. In XXXX when I went in for XXXX XXXX my XXXX was stolen that's when my information was compromised. I have submitted my Identity theft information to all XXXX credit bureaus. However, Transunion has Revictimized me and I feel my rights are being violated by Transunion.

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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XXXX I receivedDocuments from Trans UnionShowing dispute results.I am attaching photocopies of those documents However I had to call because I am blocked and can NOT get on to their website, I got a big red X and it says you are blocked. I called on XXXX and spoke with XXXX XXXX XXXX who said he was a supervisor who told me each of the disputed items I have on this document is under investigation, I have letters from TransUnion saying that they have closed the investigations and have results. Now those investigation results don't matter, and that say we are in a loop that could go on forever. I am also submitting a letter of dispute that was sent to me from XXXX to send to the other credit bureaus regarding XXXX XXXX. IAM being Denided access to my credit report at this time. Transunion is the ONLY credit bureau that is doing this. In 2021 when I went in for XXXX XXXX my XXXX was stolen that's when my information was compromised. I have submitted my Identity theft information to all XXXX credit bureaus. However, Transunion has Revictimized me and I feel my rights are being violated by Transunion.

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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX terms of agreement was set XXXX, XXXX a XXXX month term was agreed for $ XXXXi realize once the agreement was paid in full XX/XX/XXXX with interest. i was being harassed to make more payments for terms i did not agree to. when i reconciled my bank statement i had in fact overpaid the company. the company called and said they changed management and did not have the original agreement to provide and i will be responsible. they refuse to find the original agreement and adding unauthorized activity and lengthening the term. 
XXXX cable unknown accounts placed in multiple collections. never had the service. 
XXXX reporting closed charged off student loans. they were charge off by Us Dep of Ed and keep appearing and being harassed for payment. illegal actions. 
XXXX XXXX reporting balance / unauthorized charges. i did not use the card once i paid it off. never been late. i have been deputing the reports and the account got closed wit a balance i did not authorize. 
closed account being reported current late and they were charged off. i had given evidence of fraud and im being ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX terms of agreement was set XXXX, XXXX a XXXX month term was agreed for $ XXXX.i realize once the agreement was paid in full XX/XX/XXXX with interest. i was being harassed to make more payments for terms i did not agree to. when i reconciled my bank statement i had in fact overpaid the company. the company called and said they changed management and did not have the original agreement to provide and i will be responsible. they refuse to find the original agreement and adding unauthorized activity and lengthening the term. 
XXXX XXXX unknown accounts placed in multiple collections. never had the service. 
XXXX reporting closed charged off student loans. they were charge off by Us Dep of Ed and keep appearing and being harassed for payment. illegal actions. 
XXXX XXXX reporting balance / unauthorized charges. i did not use the card once i paid it off. never been late. i have been deputing the reports and the account got closed wit a balance i did not authorize. 
closed account being reported current late and they were charged off. i had given evidence of fraud and im being ignored.

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 2024-05-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I disputed a collection acct that was placed in my credit file on XXXX XX/XX/XXXX. I disputed it immediately because the collection company never notified me of this debt after speaking with them on XXXX XXXX XXXX XXXX  they told me I must pay the account for them to delete it. The original creditor XXXX cable owed me money. I never owed XXXX because they were overpaid. I had close the account and canceled services. XX/XX/XXXX were still taking payments out of my auto pay in XXXX and XX/XX/XXXX I demanded them to stop, they wait XXXX months and never picked up the equipment and then bill me for the equipment a total of {$1800.00}, I returned the equipment at a XXXX store of XXXX was given a receipt of return in XX/XX/XXXX. I was told at that point by XXXX customer service that my bill would be reduced to XXXX and I actually would be credited $ XXXX a payment that was not due to be paid, XXXX cleared XXXX bill down to XXXX and then subsequently that started billing me again even though I was not an account holder I discussed this with the collections company I systems who told me that if I paid it, they would remove it from my credit file and send a letter to delete I had disputed this with transunion via XXXX XXXX XXXX Transunion still has fraudulent debt listed in my file even though XXXX and XXXX deleted it, lowering my score from XXXX to XXXX currently, a violation of my credit rights, for listing innacurate information, I never owed this debt it was paid i. Full in XXXX They are required to not only investigated, but they are required to retrieve the information that was verified and send all of it to me, which theyve not done, they actually contacted. They wouldve known that the account was already paid off and settled. I am suing. XXXX and I filed a complaint with the attorney generals office in the state of Pennsylvania for having chased was never owed and Im filing for damages and damage the reputation of my otherwise pristine excellent credit. My prior score was XXXX and it dropped XXXX points because of this error.

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 2024-05-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: PACE Funding Group, LLC
State: CA

Complaint narrative:
Pace funding, now known as homerun financing came to my house 4 years ago and told me they could put in pavers in my driveway for {$17000.00} and the contracter did the numbers on his phone, wrote up a contract and had me sign it on his phone. They installed the pavers, did'nt put the gravel rocks under the pavers and my driveway sinks up and down like the ocean, the dirt is coming up threw the cracks which is a safety hazzard, i have already fallen once and i'm a senior citizen, XXXX years old vet with XXXX and the job after i got the bill was {$30000.00}. I've lost a lot of sleep over this. I also feel they took advandage of me because of my age. Also the company that did the work on my house was fired by pace but that doesn't help me very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
XX/XX/2024 We received a call from what looked like our card company stating that they were the fraud department. Telling us of the fraud charges. Having them taken care of, but in reality they were keeping us on the phone, they were in our account as they know all of my purchases. Asking many questions, asking things we should have never told them, doing things with our phones to have our calls forwarded to a number they had set up so we would not get notification of the transactions they were placing. 

XX/XX/2024 I had figured out what was going on and called the credit card company to explain, they have locked the account, issued new cards, and removed the fraudulent charges. I talking with them, I just wish they would listen as I told them that they were in my account and were able to tell me a lot of stuff, maybe even changed all of my security questions. I also was able to figure out that they had our calls transfer to a special phone number so they could verify the transactions. All of this in now taken care of. 

We went to our police department and reported, bank also

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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: EASTERN BANKSHARES INC
State: VA

Complaint narrative:
I had a bank account at Eastern Bank in Ma for almost 20 years. I moved to VA and have kept the same account for the past 4 years. I recently got a new position in a new company. I deposited my paycheck via phone bank app as always. This was on XX/XX/2024. They cleared {$200.00} of the {$2000.00}. The following Thursday, XX/XX/2024 they decided the check was fraudulent and withdrew the money out of my account. I called that day and they said that the check was flagged for being fraudulent. I have gone back and forth between the customer service department, fraud department, the actual bank location of my account and the corporate office of Eastern bank and still have not received my money back as stated they would on several occasions as well as emails. The check in question was cleared from my company 's bank. The funds have never been returned to my company 's bank and I still do not have fund in my bank account at Eastern. Eastern bank also closed my account! This has been going on since XX/XX/XXXX. All that has happened is Eastern bank keeps telling me they sent the funds back to my employer and my employer keeps telling me the funds have not been returned as of today. I have been going back and forth with the fraud department at Eastern Bank, my employer 's payroll department, and I even went to corporate headquarters at Eastern Bank, and I am still not getting any answers as to why they haven't returned the funds to my company so they can deposit a replacement paycheck to my new bank account. They also have not told me where my money actually is at this moment. It has been 5.5 weeks and I still have not received my money or response. I do not know what to do next to get my money. I have endured, late fees from my debtors, canceled policies and my credit rating is going down at a rapid pace. Is this something you can help me to resolve?

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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
Sent a letter to the credit reporting agency on XX/XX/23. They notified me that they won't look into my disputes because I didn't send it, which is untrue. They are reporting information to an incorrect name on my credit profile, and anything attached to that name is to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting 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: WA

Complaint narrative:
Your company determines my fico score, which is use by banks and credit institutions to determine the rates I am charged for loans. 
But when you inform me that my fico score has changed, you can not inform me as to why? 
Because I have several banks and several credit companies I deal with, I am told that I need to contact the credit advisors at these institutions to find out why my fico score has changed. 

You should be able to tell a customer this information.

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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

Company response to consumer: Closed with explanation