vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-01 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: NJ

Complaint narrative:
Noticed 2 Bankruptcies on my credit report

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 2022-03-01 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: NJ

Complaint narrative:
Noticed 2 Bankruptcies on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: TX

Complaint narrative:
1 ) I wrote a letter ( letter dated - XX/XX/22 to each bureau. I sent a first request for review and deletion based on my most recent Credit Report.I then sent certified mail demanding the Bureau. 
12 ) The credit bureau 's have not responded to my initial or Demand Lette.

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 2022-03-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
1 ) I wrote a letter ( letter dated - XX/XX/22 to each bureau. I sent a first request for review and deletion based on my most recent Credit Report.I then sent certified mail demanding the Bureau.

12 ) The credit bureau 's have not responded to my initial or Demand Lette.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: UPGRADE, INC.
State: OH

Complaint narrative:
The company I am disputing is Upgrade credit card. I applied for the hardship program with them due to Covid-19 and they still reported 2 late payments ; one on XX/XX/XXXX as 30 days past due and one on XX/XX/XXXX as 60 days late. This is inaccurate as the hardship program protected me against this happening. My account is paid up to date and these late payments need to be removed from my credit report immediately as this is affecting my credit score greatly and the information is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau XX/XX/XXXX Re : Removal of Incorrect Items from Credit Report ( XXXX, XXXX, TransUnion ) ( More than 30 days have passed ) To Whom It May Concern : On ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), I've sent requests to investigate incorrect items which were listed in my credit history reports with XXXX, XXXX, TransUnion. 

1. The information is inaccurate please remove it. 
BankruptcyXXXX  Case Number : XXXX Please remove it from my credit report. 


I've also informed/stated that The Fair Credit Reporting Act requires that a reinvestigation of my request within 30 days. It has now been more than 30 days and no removal/response received to date. 

I'm not sure as to why I have not received a reply. It's possibly due to inability to accurately verify the information. I would greatly appreciate your assisting me with removal of this incorrect information. I also request once the matter is corrected, I'm sent an updated copy of my credit history report. I also request notices of corrections to be sent to anyone who received my credit report in the past six months. 



Thank you for your time and help in this matter. 

Sincerely yours,

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 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau XX/XX/XXXX Re : Removal of Incorrect Items from Credit Report ( Experian, XXXX, XXXX ) ( More than 30 days have passed ) To Whom It May Concern : On ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), I've sent requests to investigate incorrect items which were listed in my credit history reports with Experian, XXXX, XXXX. 

1. The information is inaccurate please remove it. 
BankruptcyXXXX Case Number : XXXX Please remove it from my credit report. 


I've also informed/stated that The Fair Credit Reporting Act requires that a reinvestigation of my request within 30 days. It has now been more than 30 days and no removal/response received to date. 

I'm not sure as to why I have not received a reply. It's possibly due to inability to accurately verify the information. I would greatly appreciate your assisting me with removal of this incorrect information. I also request once the matter is corrected, I'm sent an updated copy of my credit history report. I also request notices of corrections to be sent to anyone who received my credit report in the past six months. 



Thank you for your time and help in this matter. 

Sincerely yours,

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 2022-03-01 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: TX

Complaint narrative:
I contested the following information included on the attached files with TransUnion and up until this day, they still hasn't responded to all the letters I mailed them. I tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. My credit rating and credibility has always been really important to me and I started researching about it and reaching out to people who might have an idea what to do and they referred me to your website. TransUnion has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " investigation ''.

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 2022-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Credit & Collection, Inc.
State: CA

Complaint narrative:
Nationwide credit continues to call me, even though I do not have any debt with them. I have tried to have them remove my number from their database to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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:
Hello my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and I did not make the charge. I ask that the items be deleted to correct my credit. I reported the theft of my identity to the Federal Trade Commission and I have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit please delete these items as soon as possible. 

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of the receipt. 


According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! I demand the following accounts be verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation
State: TX

Complaint narrative:
This company is violating my consumer rights pursuant to 15 USC 1692g. I sent this company a letter on XX/XX/2022. I received a response ( see attachment ). I requested an audit trail for this alleged debt. I have no idea what this is definitely not an audit trail. This is my last time requesting this information or i will file suit. I want to be extremely clear on the next thing I'm about to say .... Once i file suit I WLL NOT settle out of court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I called PNC Bank and spoke with XXXX XXXX ( XXXX ), and I asked for her supervisor several times during the conversation. She said that she needed additional information from me. After displaying her carefree attitude, I told her that I would like to speak to a supervisor to address my concerns. I initially asked to fax in a copy of my Power Attorney for my son ( XXXX XXXX ). I explained to her that I wanted to pay the fees on his account because the account was closed, and he had a severe XXXX XXXX XXXX. She was very dismissive. She said her supervisor was in a meeting. No other supervisor was avaialbe. I even asked to speak to her Supervisor, Supervisor and she told me that they were not available. 

I have a doctor 's appointment today at XXXX, but as soon as I get a chance, I will close my account and take all of my money out of their bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I previously disputed an incorrect bankruptcy on my Experian Credit Report. 

I have done this three times in XXXX ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). 

I filed a complaint with CFPB on XX/XX/XXXX concerning this issue. 

Experian responded with the same response as previously. They did not look at any of my supporting documentation, including a letter from the court. 

It is clear that the bankruptcy court does not report to any credit bureau for this bankruptcy matter ; therefore their original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. 

I have worked with XXXX and XXXX on this matter and they removed the erroneous bankruptcy immediately. ONLY EXPERIAN IS REPORTING INCORRECTLY AND THEY HAVE REFUSED ANY ATTEMPT TO REMOVE 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 2022-03-01 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: Affirm Holdings, Inc
State: SC

Complaint narrative:
Yes, a XXXX XXXX XXXX was purchased on my way in affirm financing the know. We made one payment and figured out that the bike was too small for her and returned it. The firm was supposed to have reported the loan has been paid in full and or closed. To this day they have not canceled. I have also taken the steps to dispute this with XXXX and to to no avail nothing has changed. XXXX responded back and told me that affirm confirmed that {$2800.00} was still owed on the account. This infuriates me seriously as it is affecting my credit score as if I still owe them money which I do not. I am asking that they fix this to zero balance or delete immediately!. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: ID

Complaint narrative:
I own a small business. I contracted through XXXX ( XXXX XXXX XXXX ) for all my payroll needs. XXXX  sends an email to my employees. This email enables my employees to enter their account information for direct deposit. I had one employee enter the wrong account number. This employee told me that he did not get his direct deposit on XX/XX/XXXX, for the amount of # XXXX. I thought it might have taken 2 weeks to get money, so we waited. I pay my team every week. On XX/XX/XXXX, he did not get paid again for {$440.00}. After the second week of my employee not getting his money, I called XXXX. This was XX/XX/XXXX. They sent me the ACH Trace ID number for the deposited transaction and told me to contact my employee 's bank, US Bank. My employee called US Bank and they told him that I needed to call them. I went to the bank and then they told me he needed to go in. The next day we both went into US Bank, and they told us there was nothing they can do. That we needed to call the XXXX number. So, we did. After an hour, the US Bank representative told us that this is XXXX 's responsibility and they needed to take care of it. Ok, fine. I went home and called XXXX. After an hour and a half on the phone with XXXX, I got disconnected. However, I did call them back and they informed me that because I didn't contact them within 5 days of the transaction, there was nothing they can do. And that I needed to call US Bank it is their responsibility to get my money back. During this phone call that lasted an hour and a half, the XXXX representative had me change the pay for my employee to a check. After I did that, the transaction read return funds of {$0.00}. I asked what that meant, and the representative put me on hold, for an hour. Now that the pay was converted to a check but the notice on XXXX said I was getting nothing back from the bank transaction, I had to figure out a way to get my {$830.00}. I know that XXXX  and US Bank may think that is nothing compared to the millions of dollars that they make a year, but I am a small business that just opened in XX/XX/XXXX. I am in my first three months of struggle. I just want my money back. My employee needed his money to pay rent and bills. I paid him in cash until all this is taken care of. I would like to know who's responsible for not verifying that the bank account number entered and the name on the bank account is correct? I would like to know how to get the money back from the wrong account it went into? I have ACH Trace ID number. I have the wrong account number where my money went. I have dates. I have amounts. I have everything I need to get my money back. If there is any way you can help, I would appreciate it. Please and Thank You for your time.

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 2022-03-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
To Whom it may concern, Im writing this complaint with multiple concerns. My brother & I have very similar names and my XXXX  XXXXXXXX score seems to be attached to his name and I can not get through to XXXX. I do not know what, if any, credit information is on file with XXXX but Ive found it impossible to get in touch with them to explain the issue. 



For the medical debt, I had no knowledge of a {$650.00} bill that went into collection until it appeared on a credit report while applying for the mortgage. I called the collection company ASAP and paid the debt off with the understanding that they would remove the collection account from my credit report and were sorry for the miscommunication. Months later, Im now applying for a new mortgage and the collection is still there but the debt shows paid. The collection company would not provide a letter or do anything to remove this from my credit report ( despite promising my payment would have it removed ). 



If someone can please help get my credit reporting information correctly associated to my name it would help a lot. If you review my history, one would see that Ive always had good credit/managed my expenses. This collection account is hurting me financially in a rather significant way and is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am writing in regards to my account with Capital one account # XXXX a late pay is being reported in XX/XX/2021 at that time I was suffering from XXXX and was unable to get that payment made. As soon as I was able to I got caught up and paid,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I took out a credit card with Zale under a promotional offer. no one ever stated at the end of the promotion if you have a balance left when the promotion is over. the company will add the six interests to your bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have been paying on this 4k loan since XXXX, They have received over 25k in payments from this loan. I tried contacting them, but not getting clear answers of why. I had this both loans added to my XXXX bankruptcy and discharged, but they still continue to bill me and ignore the paperwork, because I work for XXXX and was going through a clearance process I had to pay them. I have been monitoring my payments even increased the payments. I notice within the past 6 month the interest payment goes up and down. The loan was taken out in XXXX for a school that longer exist XXXX XXXX XXXX. They have gotten 40k off of a 4k loan and I still owe them an additional 6K. Whenever I get momentum they move the mark by increasing the interest rate. Just seeking guidance. This may be my 3rd complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: NV

Complaint narrative:
Hi, my name is XXXX XXXX. On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have 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 2022-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I received notice in 2021 that I was in default for a XXXX credit card, I was told it was for a card I had in XXXX. The debt was settled thru a third party several years ago. I no longer have the supporting documentation because its been more than 7 years. Now, this collection agency insists I owe this money and I do not owe it. I find it ridiculous that after all of these years they are trying to get me to pay something that I no longer owe. I want this removed from my credit report.

Company response to consumer: Closed with explanation