vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-18 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: CURO Intermediate Holdings
State: TX

Complaint narrative:
Countless times, XX/XX/XXXX - XX/XX/XXXX I have reached out to the original creditor ( Speedy Cash Com TXCSO ), which now Ad Astra Recovery SE is now the collection agency. I notified both companies in writing that I am a victim of identity theft, and requested that they close the unauthorized account, remove any charges on the unauthorized account, and take steps to remove information about this account from my credit files, XXXX, XXXX, and XXXX. I have contacted FTC Identity Theft Report to report this. I have both companies to send me a letter explaining their findings, and that I am disputing the fraudulent charges. I have mailed so many letters, yet, no response. The amount is {$1700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/2022 1. Validate Account XXXX  XXXX  XXXX  XXXX  Account Number : XXXX**** 2. Validate Account XXXX XXXX XXXX  XXXX  XXXX  Account Number : XXXX 3. Validate Account XXXX  XXXX XXXX  Account Number : XXXX**** 4. Validate Account XXXX XXXX XXXX Account Number : XXXX**** 5. Validate Account XXXX Account Number : 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 2022-03-18 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: TX

Complaint narrative:
XX/XX/2022 1. Validate Account XXXX XXXX XXXX XXXX  Account Number : XXXX**** 2. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX** 3. Validate Account XXXX XXXX XXXX Account Number : XXXX**** 4. Validate Account XXXX XXXX XXXX Account Number : XXXX**** XXXX. Validate Account XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/2022 1. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX 2. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX 3. Validate Account XXXX XXXX XXXX Account Number : XXXX 4. Validate Account XXXX XXXX XXXX Account Number : XXXX 5. Validate Account XXXX Account Number : 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 2022-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
1. Validate Account XXXX  XXXX  Account Number : XXXX 2. Validate Account XXXX XXXX  XXXX Account Number : XXXX 3. Validate Account XXXX XXXX XXXX  XXXX  Account Number : XXXX 4. Validate Account XXXX XXXX  Account Number : XXXX 5. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX 6. Validate Account XXXX, XXXX Account Number : XXXX 7. Validate Account Account Number : XXXX 8. Validate Account XXXX XXXX  Account Number : XXXX 9. Validate Account XXXX XXXX Account Number : XXXX 10. Validate Account Account Number : XXXX 11. Validate Account XXXX XXXX XXXX XXXX  Account Number : XXXX 12. Validate Account XXXX XXXX XXXX Account Number : XXXX 13. Validate Account XXXX XXXX Account Number : XXXX 14. Validate Account Account Number : XXXX 15. Validate Account XXXX XXXX Account Number : XXXX 16. Validate Account XXXX XXXX Account Number : XXXX 17. Validate Account Account Number : XXXX 18. Validate Account XXXX  XXXX  Account Number : XXXX 19. Validate Account XXXX XXXX  XXXX Account Number : XXXX 20. Validate Account XXXX XXXX Account Number : XXXX 21. Validate Account XXXX  XXXX XXXX XXXX  Account Number : XXXX 22. Validate Account XXXX XXXX Account Number : XXXX 23. Validate Account XXXX XXXX  Account Number : XXXX 24. Validate Account XXXX, XXXX Account Number : XXXX 25. Validate Account XXXX XXXX XXXX XXXX Account Number : 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 2022-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I sent a letter to transunion via certified mail on XX/XX/2022 stating all of the fraud and incorrect entries they have reported on my credit report. I also attached an invoice for remedy of those violations as well. According to the FCRA the violations call for {$1000.00} fine PER occurrence. I sent the letter in XXXX and have called as well. It has been over 30 days and there has not been a resolution made. My invoice has not been fulfilled from the violations made nor has the investigation been closed and fixed on all of the wrong doings. Transunion keeps sending me multiple letters saying they are still looking into it even though it should have been resolved in 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 non-monetary relief
Consumer complaint received 2022-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: AZ

Complaint narrative:
My XXXX  transferred funds from my debit card without my consent. I contacted the merchant and they refused to refund me anything. I filed a dispute with my bank and they also denied it without giving me a reason to why my claim was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MO

Complaint narrative:
I served on a lawsuit for debt that I asked to be verified in the past but the collection company couldn't produce any original contracts with the original company to prove that I even owed the debt. I asked them to stop contacting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: TX

Complaint narrative:
1. Validate Account XXXX XXXX  Account Number : XXXX 2. Validate Account XXXX XXXX  XXXX Account Number : XXXX 3. Validate Account XXXX XXXX XXXX  XXXX  Account Number : XXXX 4. Validate Account XXXX XXXX  Account Number : XXXX 5. Validate Account XXXX XXXX XXXX XXXX  Account Number : XXXX 6. Validate Account XXXX, XXXX Account Number : XXXX XXXX. Validate Account Account Number : XXXX 8. Validate Account XXXX XXXX Account Number : XXXX 9. Validate Account XXXX XXXX  Account Number : XXXX 10. Validate Account Account Number : XXXX 11. Validate Account XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX 12. Validate Account XXXX XXXX XXXX Account Number : XXXX XXXX. Validate Account XXXX XXXX Account Number : XXXX 14. Validate Account Account Number : XXXX 15. Validate Account XXXX XXXX  Account Number : XXXX 16. Validate Account XXXX XXXXT Account Number : XXXX 17. Validate Account Account Number : XXXX XXXX. Validate Account XXXX XXXX Account Number : XXXX 19. Validate Account XXXX XXXX  XXXX Account Number : XXXX 20. Validate Account XXXX XXXX Account Number : XXXX 21. Validate Account XXXX  XXXX XXXX  XXXX Account Number : XXXX 22. Validate Account XXXX XXXX Account Number : XXXX 23. Validate Account XXXX XXXX  Account Number : XXXX 24. Validate Account XXXX, XXXX Account Number : XXXX XXXX. Validate Account XXXX XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: NY

Complaint narrative:
CFPB Write up n accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX  account # XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX account # XXXXXXXX XXXX  XXXX  account # XXXX 15 U.S.C 1681 section 602A. State 602 A. State I have the right to privacy. 

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

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 2022-03-18 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
CFPB Write up n accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXXXXXX Account # Experian XXXX XXXX XXXX XXXX  Account # XXXX XXXX  XXXX account # XXXX XXXX XXXX account # XXXX 15 U.S.C 1681 section 602A. State 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

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 2022-03-18 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: FISERV FINXACT CORE
State: FL

Complaint narrative:
Money Network has not provide provisional credit to me in response to fraud and unauthorized transaction on my account. Money Network sent me letters asking me to fill out an excessive amount of paperwork to obtain refunds for the fraudulent and unauthorized transactions on my account. 

Most banks will provide the monies back to the customers account and then investigate the fraud and unauthorized transactions. Money Network appears to do the opposite and 1st send the customer paperwork to fill forms, then they investigate. The customer is then left to try to solve problems they did not create and do the work. The customer invests in the company, the company must to the work. 

Money Network needs to provide provisional credit to my account and investigate how the fraud occurred, not send the customer multiple sheets of paper to fill out when the information is provided to them at the time of the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and no response, this is now affecting my business and me trying to scale my business with XXXX. Also its preventing me from buying my home. The accounts XXXX XXXX, XXXX and dept of education is fraudulent including the address are 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 non-monetary relief
Consumer complaint received 2022-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
Could not produce any original contracts to verify that the debt belonged to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and no response, this is now affecting my business and me trying to scale my business with XXXX Also its preventing me from buying my home. The accounts XXXX XXXX, XXXX and XXXX XXXX XXXX is fraudulent including the address are 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 non-monetary relief
Consumer complaint received 2022-03-18 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: CA

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and no response, this is now affecting my business and me trying to scale my business with XXXXl. Also its preventing me from buying my home. The accounts XXXX XXXX XXXXXXXX and XXXX XXXX XXXX  is fraudulent including the address are incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: AES/PHEAA
State: CA

Complaint narrative:
AES / XXXX or XXXX was removed/deleted from my XXXX and XXXX credit report because of inaccurate reporting. They were using the name PHEAA before being removed on XX/XX/XXXX. XXXX allow the company to change the name to AESXXXX and continue to report negatively on my credit report. 

I have spoken to the company several times and they have indicated they are not reporting this information. However, it remains on my credit report for XXXX under a name I never done business with. 

XXXX XXXX  XXXX has reported I owe {$690.00} for an account open XX/XX/XXXX. Currently, its reporting negatively as of XX/XX/XXXX. I have ask for documents from this company with my signature or information they not sent me anything proven this is my debt. 
They are a collection agency reporting on my XXXX credit report. Upon disputing it with them and XXXX they are unable to prove its my debt. 

XXXX XXXX XXXX XXXX is reporting a hard inquiry dating back to XX/XX/XXXX. I never had any dealing with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
in XXXX XXXX i found out that i had zero balance in my XXXX bank of america card. i called bank of america right away and check my statement they had transferred {$7600.00} out of my XXXX bank of america account to an unknown account XXXX transfers were performed. I never did or approve the transfer it said that it was done in XXXX. I have place two claims and bank of america has failed to investigate they keep sending me letters that the amount stolen will not be refunded. they only discontinue my card and send me another one with a chip. there has been so many problems with the card without chip because it can be hawk easily. This has caused me a lot of XXXX because bank of america has not protected my rights as a costumer and failed to investigate this fraud. It is a lot of money that was stolen and bank of america is not taking it seriously. if they fail to help costumers more will be affected in the future.

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 2022-03-18 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: Atlanticus Services Corporation
State: MO

Complaint narrative:
Payments where never late but now showing late more than 30 days

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-18 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: CA

Complaint narrative:
I disputed several times with the agency XXXX XXXX XXXX XXXX Reporting inaccurate information to the Credit Reporting Agency. I also disputed with my claim with Equifax, stating my claim is disputed and requesting validation of the debt in paticular " FIRST DATE OF DELINQUENCY '' XXXX XXXX XXXX XXXX  " Charge off account '' balance {$17000.00} became delinquent in 2014, account was not brought current. This account should be removed from my XXXX Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have sent verification showing the owner agrees that I was not a co-signer I have filed identity theft I have had this account removed several times and this account is no longer owned by the company that started this fraud

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 2022-03-18 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: PA

Complaint narrative:
I am asking with all my heart I been with the company for years now and I made a mistake in XX/XX/XXXX and XX/XX/XXXX I was going through a hardship and now I am back on my feet so now I am begging if you can remove my late payment. When I make this mistake I know nothing about credit now I am learning as I go I know I made this mistake I am just asking please to give me a chance just this once and I promise you wont regret it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: Eastern Account Systems of Connecticut, Inc.
State: VA

Complaint narrative:
My insurance XXXX XXXX XXXX recently paid off my XXXX bills on a 3 way call with the creditors. They was also informed that wasnt supposed to bill me because I have Medicaid and they told us on the call that it would be removed from my credit report after 30 days. Its still havent been removed after it was paid. I have disputed this matter multiple times and it either comes back verified or accurate. This is becoming a serious issue on my report and it wasnt supposed to been billed to me on the first place. 

The person I spoke with about this matter was XXXX XXXX XXXX  said XXXX would sent it to XXXX  supervisor so it can be removed XXXX was from XXXX XXXX XXXX and XXXX XXXX from XXXX Account XXXX said to call bearus to be removed nothing has been changed!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: FL

Complaint narrative:
Debt Validation Letter asking to cease reporting until the debt was verified by me along with a copy of my signature with the provider to release medical information. ( Consumer ) sent XX/XX/2021, Debt collector responded on XX/XX/2021 with only a statement and no documentation with my signature. 

Debt collector violated the following : 15 USC 1692 b ( 5 ) 15 USC 1692 b ( 2 ) 15 USC 1692 d ( 2 )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Where is my certificate Experian, XXXX XXXX, XXXX? I disputed the accounts in the attachments and you reported all of them as accurate so once again, where is my certificate? Pursuant to Mont. Admin. R. 17.8.1207 - CERTIFICATION OF TRUTH, ACCURACY, AND COMPLETENESS

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