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

Complaint narrative:
I have disputed this inaccuracy and the lack of reporting of this account with the creditor and the credit reporting agencies and sadly more incorrect information is now being reported. I currently have a CFPB case open with XXXX XXXX that they have not even acknowledged and a complaint with the XXXX. I have tried to call the creditor to resolve the issue several times though out the year and have been laughed at as I explained that everything was related to XXXX XXXX including the direct lose of my father. I have been hung up and on hold for upwards of 2 hours and transferred and the line disconnected. I have provided documentation showing that the credit reporting agencies were reporting inaccurate information on my reports and instead of investigating and fixing the problem they go in and report even more wrong information. Since the creditor and the credit reporting agencies refuse resolve the matter, or have any empathy at all. I am left with no other choice, I have gone ahead retained an attorney to represent me as it relates to this account. The violations of FDCPA ( harassing and threating calls and documented conversations I received at all hours of the day and night, which my cell phone records, voice mails documentation and show ) that took place during the term of this account and the continue inaccuracy and lack of proper investigation from the credit reporting agency. Is the main reason why I will be moving forward and filing the law suit. I have also filed a complaint with the state attorney generals office as it relates to this account so that they can conduct there own investigation with XXXX XXXX and the credit reporting agencies as it relates to this account I personally feel like I have tried everything to resolve this situation on my end and have even explained how this account was related to XXXX XXXX and that there own employees seem to find joy in laughing as I explained that my father had passed due the pandemic.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I have disputed this inaccuracy and the lack of reporting of this account with the creditor and the credit reporting agencies and sadly more incorrect information is now being reported. I currently have a CFPB case open with American Express that they have not even acknowledged and a complaint with the XXXX. I have tried to call the creditor to resolve the issue several times though out the year and have been laughed at as I explained that everything was related to Covid 19 including the direct lose of my father. I have been hung up and on hold for upwards of 2 hours and transferred and the line disconnected. I have provided documentation showing that the credit reporting agencies were reporting inaccurate information on my reports and instead of investigating and fixing the problem they go in and report even more wrong information. Since the creditor and the credit reporting agencies refuse resolve the matter, or have any empathy at all. I am left with no other choice, I have gone ahead retained an attorney to represent me as it relates to this account. The violations of FDCPA ( harassing and threating calls and documented conversations I received at all hours of the day and night, which my cell phone records, voice mails documentation and show ) that took place during the term of this account and the continue inaccuracy and lack of proper investigation from the credit reporting agency. Is the main reason why I will be moving forward and filing the law suit. I have also filed a complaint with the state attorney generals office as it relates to this account so that they can conduct there own investigation with American Express and the credit reporting agencies as it relates to this account I personally feel like I have tried everything to resolve this situation on my end and have even explained how this account was related to Covid 19 and that there own employees seem to find joy in laughing as I explained that my father had passed due the pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I've been getting in touch with XXXX and Equifax by phone and letters about the wrong address that is showing on my credit report several times since XX/XX/2021 I sent out several letters to XXXX and Equifax with a copy of my SS # and driver 's license with the correct address so it would be easier for them to remove the wrong addresses that appear on my credit report. 
When I contacted XXXX by mail starting in XXXX XXXX XX/XX/2021, I never received a letter in return explaining or verifying the wrong address on my report. 
I then started to call XXXX to dispute the address and the employee insured me that they would fix the problem and now we are in XXXX and the wrong address is still appearing on my credit report. 
I would really appreciate if we could get this resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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:
The below companys have reported my account as past due for 60 days when payments had been done timely, credit one has reversed one and acknowledge it was their mistake but have failed to remove second one while XXXX XXXX has not done anything to address this matter. 


XXXX XXXX XXXX  XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: Self Financial Inc.
State: TX

Complaint narrative:
The below companys have reported my account as past due for 60 days when payments had been done timely, credit one has reversed one and acknowledge it was their mistake but have failed to remove second one while self inc has not done anything to address this matter. 


XXXX XXXX XXXX Self inc

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The below companys have reported my account as past due for 60 days when payments had been done timely, credit one has reversed one and acknowledge it was their mistake but have failed to remove second one while XXXX XXXX has not done anything to address this matter. 


XXXX XXXX XXXX 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 2021-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To whom it May Concern, I am in need of your assistance. I have been trying to get inaccurate information that is showing on my credit file removed. Here are the items that is inaccurately reporting or is not mine. 

The accounts below are not mine : 1. XXXX XXXX - XXXX XXXX showing on XXXX and XXXX 2. XXXX XXXX - XXXX that is showing on XXXX and Equifax 3. Bankruptcy XXXX that was filed in XX/XX/XXXX The below accounts is inaccurately reporting late : 1. XXXX XXXX XXXX I was never 30 days late in XX/XX/XXXX ; XXXX, XXXX, and Equifax is reporting inaccurate lates 2. XXXX XXXX - I was never 30 days late in XX/XX/XXXX ; XXXX, XXXX, and Equifax is reporting inaccurate lates 3. XXXX  - I was never 30 days late in XX/XX/XXXX ; Equifax is reporting inaccurate lates 4. XXXX XXXX - I was never 30 or 60 days late in XX/XX/XXXX through XX/XX/XXXX ; XXXX XXXX XXXX XXXX and Equifax is reporting inaccurate lates 5. XXXX XXXX - I was never 30 or 60 days late in XX/XX/XXXX through XX/XX/XXXX ; XXXX, XXXX, and Equifax is reporting inaccurate lates The following address information is not mine : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX

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

Complaint narrative:
To whom it May Concern, I am in need of your assistance. I have been trying to get inaccurate information that is showing on my credit file removed. Here are the items that is inaccurately reporting or is not mine.

The accounts below are not mine : 1. XXXX XXXX - XXXX XXXXy showing on XXXX and Experian 2. XXXX XXXX - XXXX that is showing on Experian and XXXX 3. Bankruptcy XXXX that was filed in XX/XX/XXXX The below accounts is inaccurately reporting late : 1. XXXX XXXX XXXX I was never 30 days late in XX/XX/XXXX ; XXXX, Experian, and XXXX is reporting inaccurate lates 2. XXXX XXXX - I was never 30 days late in XX/XX/XXXX ; XXXX, Experian, and XXXX is reporting inaccurate lates 3. XXXX  - I was never 30 days late in XX/XX/XXXX ; XXXX is reporting inaccurate lates 4. XXXX XXXX  - I was never 30 or 60 days late in XX/XX/XXXX through XX/XX/XXXX ; XXXX XXXX Experian , and XXXX is reporting inaccurate lates 5. XXXX XXXX  - I was never 30 or 60 days late in XX/XX/XXXX through XX/XX/XXXX ; XXXX, Experian, and XXXX is reporting inaccurate lates The following address information is not mine : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX 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 non-monetary relief
Consumer complaint received 2021-11-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
There is a small debt from XXXX XXXX for {$89.00} that has been on my credit report. I never signed up foXXXX XXXX XXXX  so I over looked it not being credit literate. After going through my credit report further. I found that XXXX  XXXX charged off the debt to a debt collection company by the name of LVNV FUNDING LLC for the amount of {$110.00}. I tried to remove LVNV FUNDING LLC and XXXX  XXXX for years on all 3 Credit bureaus XXXX, XXXX and XXXX XXXX. Letting them know this is not my debt and if they can please remove it. Nothing is ever resolved and I just tried again and they have not deleted it but its posted as an open account on my credit and I would like it removed please.

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

Complaint narrative:
I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft :

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: FL

Complaint narrative:
On XX/XX/2021 I put XXXX, Trans Union XXXX XXXX on notice that someone had attempted to use my information to obtain different lines of credit. I also filed a FTC report along with a police report. I called into each credit Also on Tuesday XX/XX/XXXX, spoke with different agents about the matter. XXXX and Trans Union both confirm that that they received my complaints and proceed to delete that Hard inquiries from my credit report.Today I checked my XXXX XXXX Account and to my surprised I noticed that they in fact deleted the inquiries but then some how placed them right back on my credit report I have attached screen shots of what I see on my end.Im attaching the list of hard inquiries that do not belong to me to knowledge and after calling the creditors making sure I do not have any open accounts with these companies. 


now Im am contacting your company to have to you promptly fix this matter is low horrible to anyone else that might decide to business with that credit has been ran so much and I can deeply about my credit and the business I do with creditors that I do have. I my credit report reflects that much. 


Heres the list of the inquiries that were added back on I'm assuming by mistake to the computer system. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alpine Credit, Inc
State: NC

Complaint narrative:
My wife XXXX XXXX XXXX died on XX/XX/2020 of a XXXX XXXX at XXXX Colorado XXXX XXXX. In Colorado, by law, couples are considered responsible separately as far as debts are concerned unless joined by contract. I signed no paperwork on the days of her hospitalization. Since then, no one has reached out to me for payment including the hospital or Drs. 
However, XXXX XXXX XXXX has been hitting me with numerous small bills ( XXXX so far ) totaling {$870.00}. As each has gone unpaid ( my attorney said DO NOT pay unless you are prepared to shoulder all the previous bills ), they have referred the collection to ALPINE CREDIT in XXXX, CO. I have spoken with them on numerous occasions and informed them 'Chapter and Verse ' regarding Colorado law but the said 'they don't care ' and continue ruining my credit. At the time this started my credit was 780, went as low as 550 ( all due to them ) and is slowly back to 680 with almost no debt.

I have reached out to the reporting agencies on numerous occasions but no joy. If there is anything

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

Complaint narrative:
I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/XXXX, I opened a Bank of America XXXX XXXX Banking checking account. This account has a $ XXXX monthly maintenance fee, which can waived by having a combined balance of {$10000.00} or more in linked Merrill accounts ( see the fee disclosure linked below ). From the very beginning, when I logged into my BofA account, I could also see my Merrill account balances, which have totaled around {$20000.00} for a while. This led me to believe that my Merrill accounts were linked to my new checking account. 

Unfortunately, I was dismayed to see that I was charged a {$25.00} maintenance fee on my last statement on XX/XX/XXXX. I called in on XX/XX/XXXX, and the agent said my Merrill accounts were " not linked '' to my checking account, despite the fact I could see everything under my BofA login. She explained I had not been charged the fee until now because there is a 60-day grace period after account opening. More importantly, she explained that because I opened my checking account online, I would have had to call in to properly " link '' my Merrill account balance to qualify for the fee waiver. I asserted that any reasonable person would think that my accounts were " linked '' since I can see them all at once online. Furthermore, the fee disclosure does not elaborate at all on what it means for accounts to be " linked. '' In the end, the rep could not refund the fee. 

https : XXXX I have attached the statement showing the fee as well as a printout of what I see when logon to my BofA account.

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 monetary relief
Consumer complaint received 2021-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase closed my checking account without providing me a notification of account closure to date ( Account closed on : XX/XX/2021 ). Upon multiple hours of following up with customer service ( Operating Loss Prevention Department ) I was told that the reason of closure was due to three checks I deposited from payee which happens to be my new employer ( one of the most reputed management consulting firm ) and these checks were my salary checks. 

Not only did Chase close they account, they also cancelled the debit card associated with it and withheld the checks which has caused me great financial strain, overdue notices from credit card with autodebit from this checking account and possible negative credit bureau reporting. 

I understand that Chase is protected by having the right for closing accounts, I feel my case does not qualify for a " suspicion behavior '' given my long good standing with Chase. 

My hardship continues due to this blatant exercising of rights by Chase : - I am told to follow up with Chase to have theses checks cleared rather than them proactively taking necessary actions - I am told that it will take ~6 additional business days for my funds to be credit back- I will have to open new checking account and notify all connected parties - I am not given any apology/compensation by Chase This all sounds like a consumer abuse rather than fraud prevention. 
Hope legislators / consumer agencies take notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My mortgage payment is showing nearly {$4000.00} more than what I owe. I contacted the credit reporting agency and my mortgage company to ask what happen. My mortgage company stated the amount on their website is showing the correct amount and the Experian is in 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 2021-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XX/XX/XXXX I financed a new vehicle through XXXX XXXX who is owned and operated by XXXX. The payments on the loan are so high almost unpayable I have defaulted. The current class action lawsuit against XXXX has officially been settled. Because I have defaulted on my loan as of XX/XX/XXXX I qualify for relief. I have also filed a complaint with my states attorney general in regards to the settlement. I originally requested relief in XX/XX/XXXX but didnt receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Bridge IT, Inc.
State: OH

Complaint narrative:
Call and text every day after XXXX and before XXXX I have asked them to stop repeatedly and they will not stop.

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 2021-11-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has marked my account as late when I have full proof & have submitted full proof Ive never been late on any account. They have not corrected the info, they are not working with me to correct the info. They marked me 3 late payments which is incorrect.

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