vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-09 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: FL

Complaint narrative:
I am being profiled and discriminated against by all three credit bureaus, namely XXXX, XXXX and Equifax. I already have two open complaints about XXXX and XXXX bad reporting and violations of the FCRA. 

I received an email on XX/XX/XXXX from Equifax stating here are your results from your XX/XX/XXXX dispute. Coincidently the documents that I submitted in my complaint to CFB does reference a copy of my Equifax XX/XX/XXXX credit report. I used my Equifax XX/XX/XXXX credit report to validate incorrect reporting on behalf of XXXX and XXXX. 

Equifax changed closed accounts to open accounts. One closed account that is now open is called XXXX XXXX XXXX, which has been closed since XX/XX/XXXX ( see attachment ). The other closed account which is now open is called XXXX XXXX ( see attachment ). Also please make note of the attachments showing no collections on my credit report sinceXX/XX/XXXX. I made a dispute on XX/XX/XXXX about one account, which was the only collection that appeared on my credit in XX/XX/XXXX. This collection was called XXXX XXXX XXXX, which was removed from my credit report ( please see attachment ). Also see attachments of all dispute request. 

Also this XXXX made an inquiry on my credit in XX/XX/XXXX ( please see attachment ) This profiling and discrimination is causing undo harm to me and my reputation. I am also going to purse legally for such discrimination and violations of the FCRA on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV

Complaint narrative:
I have filed a dispute with Bank of America ( BoA ) on XX/XX/XXXX. To the date of this letter the clain remaibs open unpaid. Per Regulation E the timeline given is only 45 calender days. Additionally no credit was provided as should have been per the consumers compliance guide and Regulation E. Upon attempting to call BoA they have decided on there own to not only change the time allowed but to also change the focus of said claim. Regardless a electronic transfer as this was is only able to be reaearched for 45 days. The cfpb states you would have had to provide a credit but instead you have filed it wrong about 4 times after i have been told to call and file it differently just to find out i was correct the whole time. This is unacceptable and i demand my funds be placed onto my account and the case be closed in my favor. Iv veen told you have longer by a few employees but nonebof them have provided any proof of that so ill include where it says you dont have more then 45 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
Consumer complaint received 2022-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal limited my account all of a sudden. Without any explanation or warning

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: GA

Complaint narrative:
XXXX and Transunion and XXXX have denied my multiple disputes on deleting my bankruptcy after the time it legally should be deleted. I have attached official official copies of my discharged bankruptcy! remove from my reports XXXX, XXXX and Transunion asap as i have hired an attorney to handle this wrongly emotional distress situation with Transunion, XXXX and XXXX. i will contact the Vice president of company in a week if this isn't handled correctly and the right way to treat someone.I have attatched multiple proof of official XXXX. XXXX dismissal date as of XX/XX/2012.

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 2022-02-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have been disputing fraudulent reporting on my credit report with XXXX accounts and XXXX different credit report agencies. XXXX and XXXX. The accounts have not been validated or verified according to the laws that were cited. They refuse to remove them and the creditors also have failed to validate and verify the accounts. They can verify them but the validity of the debt has not been proven.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: TN

Complaint narrative:
On XX/XX/2022 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 I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2022-02-09 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have been disputing fraudulent reporting on my credit report with 3 accounts and 2 different credit report agencies. XXXX and XXXX. The accounts have not been validated or verified according to the laws that were cited. They refuse to remove them and the creditors also have failed to validate and verify the accounts. They can verify them but the validity of the debt has not been proven.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: WV

Complaint narrative:
Im filing this report due to wells fargo again failing to acknowledge my evidence and stating only the reason of a secure login as reason for denial of my claim XXXX. This is not a sufficient reason to deny claim. In fact the info i provided is more then enough to rule in my favor as numerous ppl at wells fargo has stated that it should have been. Also for the 20th time iv not recieved a phone call from the investigator nor had anyone pulled the phone call from XX/XX/XXXX where the case was acknowledged as a dispute and said to he credited the next day. Wells fargo is intentionally doing all they can to attempt to close my case even going as far as changing actual cases filed telling me im not allowed to appeal and denying claims with no evidence to do so only repeating the same onfo over and over not providing any new update on my info which clearly shows it was impossible for me to make this transaction! If someone doesnt fix this issue im goibg to ve going to extreme lengths following this letter. The third document shows a order issue where you had said that there was never a case filed ending in XXXX however clearly that sats differently which means you have violated regulation by not crediting the amount because that case went 30 days and never credited to my account at 10 days. Iv filed many reports with still 0 explanation. You would be required to credit that amount still!

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 2022-02-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX and XXXX and Equifax have denied my multiple disputes on deleting my bankruptcy after the time it legally should be deleted. I have attached official official copies of my discharged bankruptcy! remove from my reports Equifax, XXXX and XXXX asap as i have hired an attorney to handle this wrongly emotional distress situation with XXXX, Equifax and XXXX. i will contact the Vice president of company in a week if this isn't handled correctly and the right way to treat someone.I have attatched multiple proof of official XXXX. XXXX dismissal date as of XX/XX/2012.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: GA

Complaint narrative:
Experian and XXXX and XXXX have denied my multiple disputes on deleting my bankruptcy after the time it legally should be deleted. I have attached official official copies of my discharged bankruptcy! remove from my reports XXXX, Experian and XXXX asap as i have hired an attorney to handle this wrongly emotional distress situation with XXXX, XXXX and Experian. i will contact the Vice president of company in a week if this isn't handled correctly and the right way to treat someone.I have attatched multiple proof of official XXXX  XXXX dismissal date as of XX/XX/2012.

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 2022-02-09 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: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 3. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX  Account Number : XXXX As a consumer by law, this account must be deleted immediately 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 5. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once

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 2022-02-09 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: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 US Code 1681a ( 3 ) this medical collection is in violation and cant be on my credit report Account Number : 1433 This Account is inaccurate and seeking litigation please delete it once 2. Under 15 US Code 1681a ( 3 ) this medical collection is in violation and cant be on my credit report Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: CA

Complaint narrative:
Experian allows XXXX XXXX / XXXX to illegally furnish/ report negatively impacting my credit score. Please see attached of XXXX XXXX admitting to charging a closed account. please see attach photo proof that the account was deleted previously.

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 2022-02-09 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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once

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 2022-02-09 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: CA

Complaint narrative:
XXXX allows XXXX XXXX / XXXX to illegally furnish/ report negatively impacting my credit score. Please see attached of XXXX XXXX admitting to charging a closed account. please see attach photo proof that the account was deleted previously.

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 2022-02-09 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: CA

Complaint narrative:
XXXX allows XXXX XXXX / XXXX to illegally furnish/ report negatively impacting my credit score. Please see attached of XXXX XXXX admitting to charging a closed account. please see attach photo proof that the account was deleted previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: PA

Complaint narrative:
On XX/XX/2022, Jefferson Capital Systems agreed to dispute/delete collection from my credit report because the debt does not belong to me and the address on file is not mine. I was also given a reference number. However on XX/XX/2022 the debt was updated on my XXXX credit report as accurate although I was informed that it would be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
Chrysler capital was a leased vehicle, the car was turned in XXXX XXXX and all balances was paid off. On credit report it shows the account still open in good standing with a monthly payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-09 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: CITIBANK, N.A.
State: FL

Complaint narrative:
XX/XX/2021 -- We ordered 6 items from Best Buy using Citi Group Best Buy Credit Card that I applied for in the store. As soon as I left this transaction was cancelled by Best Buy. 
Most of the charged were removed but some of the amount of {$810.00} were still left on the card. 
We did not get any services nor goods from Best Buy. 
I opened a dispute with Credit Card company only to find out that they charged me interest charges, without even providing any dispute information, reasoning or anything. 
That " happened in the USA... Charge for literally nothing and Beastily attempt to extort money for no services nor good provided. 

The attempt of Best Buy City group to extort money is outrageous. No services, no goods...

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 2022-02-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2022-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
ARS Account Resolution has reported two invalid accounts to XXXX {$360.00} and {$700.00}. They have listed the original creditor as XXXX XXXX XXXX XXXX in which I have never done business with either company. This is not a valid debt and needs to immediately be removed from 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 explanation
Consumer complaint received 2022-02-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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