vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-24 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: CA

Complaint narrative:
On XX/XX/22 I wrote a letter regarding inaccurate and unknown accounts on my consumer reports. They responded back saying the accounts were verified, never explained or showed proof on how they verified these account. I have not enter into any consumer contract with these companies with XXXX XXXX XXXX XXXX XXXX nor XXXX  XXXX XXXX. TransUnion is in violation of 15 USC 1681 this account is not accurate, they also my right as a consumer to privacy 15 USC 1681 ( a ) ( 4 ) I demand both of these accounts be deleted immediately or I will file ligation due to stress

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 2022-03-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/21 I received a quote for a 8 ' container from XXXX  to be delivered to my sons XXXX  home on XX/XX/21, picked up when loaded & delivered to his XXXX  home, no one need be there for delivery or pickup of the container. I received a order confirmation for a 8 ' pod for {$1900.00} total. On XX/XX/21 a 16 ' pod was delivered to my sons home. this was either a mistake by the company or a bait & switch. I rececived a change order confirmation stating that the 8 ' container was cancelled & the 16 ' container was delivered on XX/XX/21 two days after it was left in my sons driveway. When I became aware of this around XX/XX/21 I called XXXX  to complain & was told a person with authority would get back to me, they did not. I made 3 more calls to XXXX beforeXXXX & got the same response & no call back. I called Capital One XXXX, the credit card I'd given to XXXX  & told them what happen & asked to put a hold on all charges from XXXX, that I was going thru a very stressful time & would clear things up when I got back to my XXXX  home. We have been through 5 monthly statements to date. I have mailed, faxed & emailed the quote, order confirmation & change order confirmation to Capital One during this time & explained countless times over hours of phone calls explaining this was the only documentation I have. Since I was in CT & paying my XXXX & XXXX Capital One bill by phone I wasn't sure what was going on, When I got home & collected my mail I saw each statement showing that Capital One didn't put a hold on all charges from XXXX  & generally messed up the dispute process bringing us to where we are today. Since we did have the pod more then 30 days I would owe PODS {$250.00} more for a total of {$2100.00} tax included ( XXXX CT tax ) to this point on 4 monthly statements starting with XXXX XXXX I have paid {$2100.00} so I should only owe {$56.00} that is why I've added & subtracted the POD credit & charge from from the XX/XX/XXXX statement since it is more then time to get the billing straight. PODS should honor the original order pricing & stop pretending that I in anyway authorized a change. XXXX XXXX -- XXXX XXXX XXXX XXXX -- XXXX, FL -- XXXX -- XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
After pulling my credit report an open record of bankruptcy XXXX  XXXX was on my report. I reach out to my local courthouse and XXXX to find out who reported this information to the credit bureaus however they both responded they do not give out that information and XXXX removed the bankruptcy from my file on there end. The three credit bureaus were all giving a copy of this information and was asked for them to verify they information if they couldnt i needed it to be remove and neither company took this into action. Bankruptcy is still being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: TX

Complaint narrative:
After pulling my credit report an open record of bankruptcy XXXX  XXXX was on my report. I reach out to my local courthouse and XXXX to find out who reported this information to the credit bureaus however they both responded they do not give out that information and XXXX removed the bankruptcy from my file on there end. The three credit bureaus were all giving a copy of this information and was asked for them to verify they information if they couldnt i needed it to be remove and neither company took this into action. Bankruptcy is still being reported.

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 2022-03-24 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon reviewing of my records, the following accounts are erroneous. I did not incur any late payments. Ive made every payment on time. Please remove it from my credit report. 




XXXX  / XXXX / {$9300.00} XXXX  XXXX XXXX / {$0.00}

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 2022-03-24 00:00:00
Product: Student loan — Private student loan
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:
Upon reviewing of my records, the following accounts are erroneous. I did not incur any late payments. Ive made every payment on time. Please remove it from my credit report. 



XXXX  / XXXX / {$9300.00} XXXX  XXXX XXXX / {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc.

Complaint narrative:
On XX/XX/2022, noticed multiple medical debt collections accounts being reported to credit report agencies. Accounts were not recognized, nor had any attempt to collect the debt or notifications of the right to dispute were made. On XX/XX/2022, called company to attempt to verify debt, since it is not mine. Company representative falsely claimed that the company did not have to verify debt in accordance with applicable laws. On XX/XX/2022, debt verification letter was sent to company via certified mail. Company has not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The following accounts are inaccurate and fraudulent. I did not own the following debt. I attached some screenshot of my report saying there are discrepancies in my accounts that the other bureaus do not have any input about the debt, please see attachment. 



XXXX XXXX XXXX  / XXXX / {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX / {$1400.00}

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 2022-03-24 00:00:00
Product: Mortgage — FHA mortgage
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:
Upon reviewing of my records, the following account is erroneous. I did not incur any late payments. Ive made every payment on time. Please remove it from my credit report. 




XXXX  / XXXX / {$140000.00}

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 2022-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
TRANSUNION HAS FAILED TO REPORT ANY OF MY LOANS ON THERE SITE OR APP ALONG WITH XXXX I HAVE CALLED OVER XXXX TIMES TO BE MET WITH OUR SYSTEM IS DOWN THEY SHOW NOTHING NEW I HAVE 3 LOANS INCLUDING A XXXX CAR LOAN NOTHING AND THEY REFUSE TO FIX THE ISSUE

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 2022-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: MS

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Jefferson Capital Systems LLC, for committing identity theft. I have never given Jefferson Capital Systems LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing illegal activity, any communication and collection activity, of this and any alleged debts until Jefferson Capital Systems LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Jefferson Capital Systems LLC continues its collection efforts, I will file for litigation for actual damages caused and Jefferson Capital Systems LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, security fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified pursuant by UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: VA

Complaint narrative:
In XXXX I moved from XXXX XXXXXXXX XXXX XXXX XXXX XXXX I rented an apartment, sight unseen from XXXX XXXX XXXX. When I arrived the apartment was not what was expected and due to medical issues, it was not accessible for me. I tried to refuse to take possession but was told that since I had a contract, I was responsible for the rent rather I took the apartment or not. I moved in and set up the account with XXXX XXXX XXXX acct # XXXX. I stayed in the apartment for less than a week, since I was having constant XXXXXXXX XXXX. So I moved in in XXXX was gone by XXXX and had rented another apartment by XXXX. I paid for at least XXXX months of service with XXXX but they continued to bill me. I spoke with them in XXXX and XXXX trying to get this taken care of. The apartment complex should have taken over the service when my lease was canceled. I do not know if they rented the apartment out or used it as a model apartment. Whichever, I should not be responsible for the bill of {$430.00}. XXXX has once again sent this bill to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The following accounts are inaccurate and fraudulent. I did not own the following debt. 



XXXX XXXX XXXX XXXX FL / XXXX / {$1000.00}

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 2022-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The following account is inaccurate and fraudulent. I did not own the following debt. I attached some screenshot of my report saying there are discrepancies in my accounts that the other bureaus do not have any input about the debt, please see attachment. 



XXXX XXXX XXXX / XXXX / {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
XXXX XXXX  clearly states that if you make your first XXXX payments on time that your credit line will double. My initial credit line on this card was {$1000.00}. It should have automatically updated to {$2000.00} in XXXX. I called them today and found out that the automatic part is false, you literally have to reapply. The person did that for me and it went up from {$1000.00} to {$1300.00} - again, not what was promised. It also looks like they did a hard inquiry on my credit report, which was also not disclosed, which will negatively impact my credit score.

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 2022-03-24 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: Community Health Investment Company, LLC.
State: AL

Complaint narrative:
Professional Account Services continues to report an account that I have previous disputed and sent police reports as well as identity theft packets. This account was previously removed in 2020 when XXXX XXXX XXXX was the collector o behalf of XXXX XXXX XXXX ( also attached ) however it is being repeatedly bought by new debt collection companies even though it is fraudulent. XXXX has been given this information on several occasions yet they have refused to remove this collection after being sent supporting documents showing that this was a result of fraud. I would like to now only file this dispute against both companies for legal documentation but to also get the support of the federal trade commission to help me resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am attaching my letter-response to the company, with attachments, which explains in detail the circumstances of my complaint. I never received a response to my letter from the company.

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 2022-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The following accounts are inaccurate and fraudulent. I did not own the following debt. 



XXXX XXXX XXXX XXXX FL / XXXX / {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Few months ago I received a call from Capital one about a transaction taking place at XXXX XXXX XXXX XXXX and XXXX, I did not approve the charges once I was at work. So Capital one cancelled the card and sent a new one and charges weren't on my account. However, I did discover few weeks later that those charges did hurt my credit score since I went over the limit. This week I received a letter from XXXXXXXX XXXX XXXX that the {$450.00} were for cleaning that took place to a car I rented from them last year. They did apologize for that and sent me a correction and apology letter, but I would like to take this off my record please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I sent an international wire transfer to XXXX XXXX in XXXX from my US chase checking account on XXXX with a amount of XXXX USD. However its already been one month the recipient havent got the money. I tired to contacted chase bank more than 5 times to ask them investigate and recall my money back but there are no updates. And chase said I can only contact the wire department in app by secure message, which they never have a useful response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: AZ

Complaint narrative:
On XX/XX/XXXX I contacted Experian Fraud department to let them know that there were inquiries on my credit report that were not authorized by me. 
XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX I spoke to the person at XXXX PM and got an email back at XXXX PM same day, XX/XX/XXXX saying that my results were back and the information was updated on my credit report. These inquiries are still showing on my report. There was no investigation on my issues.

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 2022-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
In the debt validation- they only sent me past bills instead of what I requested. They did not prove that they were authorized to collect the debt, validate anything else. Thought that having XXXX send the bills was enough

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Mortgage — FHA mortgage
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: FL

Complaint narrative:
Upon reviewing of my records, the following account is erroneous. I did not incur any late payments. Ive made every payment on time. Please remove it from my credit report. 




XXXX  / XXXX / {$140000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The following accounts are inaccurate and fraudulent. I did not own the following debt. 



XXXX XXXX XXXX XXXX FL / XXXX / {$1000.00}

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 2022-03-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
We have been pre-approved for a home mortgage loan through Wells Fargo working with XXXX XXXX. We knew on XX/XX/22 that closing would be on XX/XX/22. Most paperrwork was completed early. The XXXX XXXX XXXX in XXXX XXXX Texas requested paperwork on XX/XX/22 - which should have been requested by Wells Fargo, but was not done so. XXXX XXXX went on vacation and did not answer emails or phone calls or voice mail during the week of XXXX. No one could get any information since he did not have someone take care of his clients while he was gone. We learned on XX/XX/22 that we could not close on XX/XX/22. This is going to cost multiple families major delays in moving and hundreds of dollars. This is Wells Fargo 's mistake. They need to fix it immediately. They need to pay for any incurred costs due to their mistake. The title company said that they would work until XXXX pm on XX/XX/22 just to be able to close on XX/XX/22 however Wells Fargo is not accepting responsibility for the mistake/negligence/incompentence of their employee, XXXX XXXX. We need help to close on XX/XX/22. Any help you can give us will be greatly appreciated. No loan officers are on site in XXXX XXXX Texas. All work from their home. It should also be noted that we are paying over half of the cost of the house in cash. They should help us.

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 2022-03-24 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I stated all the laws unto which has been violated.But most of all is 15 USC 1681s-2 ( a ), ( 1 ) ( a ) .They still have fraudulent claims on my credit report.Unverified but said it was, I requested all information of verification and I have not received it yet it has been over 30 days.

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