vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-17 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: SC

Complaint narrative:
The Experian credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. 

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 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 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 2022-02-17 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: FL

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 Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: NC

Complaint narrative:
I submitted paperwork proving that I was a victim of identity theft on XX/XX/2021 to all XXXX bureaus ( Transunion, XXXX, and XXXX ) and I still haven't received a response from any XXXX of them. I had proof that my identity has been compromised and that I need an investigation to clear everything up.

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 2022-02-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
On XX/XX/2022 I received a text message saying fraud alert. Shortly after that I get a call which read Wells Fargo Bank. And it went like this.Hello XXXX XXXX my name is XXXX and Im calling from the fraud department. We have received a alert that someone is trying to take 3500 from your account through XXXX. Also XXXX XXXX your card has been compromised in XXXX Florida. These charges will be send by XXXX and we need to hurry up and reverse these charges back to your account. I never used XXXX so I had no clue on what was really going on. I was instructed to send 1,000 for the first transaction and then 2,500 for the second transaction. And not really paying attention I noticed that my funds were disappearing from my account. I told XXXX why is my funds being taken away if we are supposed to be reversing this charges. At this point he started to get defensive. I asked if my account has been compromised then it would be a good idea for me to change my password. He instructed me not to do that until I get my card in the mail and also not to go on my account at all until I get my new debit card. Im like okay this doesnt make sense to me and told him bye. I hung up in disbelief of someone just scammed me of my money. I was so upset and cried. I then called my bank and told them what happened and filed a claim. Wells Fargo told me it would take up to 10 business days to get a response. I eventually received a letter from them stating they could not give me my money back because I sent the money through XXXX. I was hurt all over again. To think my own bank could not do anything about this matter. They never asked what proof did I have. They never asked what number called me. They never asked my anything. For someone to rob me of my own money really broke my heart.

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 2022-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On or about XX/XX/XXXX, I XXXX XXXX XXXX noticed that approximately {$2600.00} had been electronically taken from my checking account ending in XXXX. These XXXX transactions started XX/XX/XXXX until XX/XX/XXXX. The transaction was taken fraudulently via XXXX. The XXXX name of the individual was XXXX XXXX ( XXXX XXXX ). I do not know this individual and do did not approve these transaction. I reported this to the Suntrust Fraud Department on or about XX/XX/XXXX. As this far, Suntrust has refused to reimbursement me.

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 2022-02-17 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: CCS Financial Services, Inc.
State: CO

Complaint narrative:
on XX/XX/2021 I sent Credit Collections a dispute to remove a PAID medical collection. I informed them that it falls under The Medical Debt Relief Act : Per Federal LAW it states : " paid-off and settled medical debts must be removed from credit reports that have been fully paid or settled ''. 

Since Credit collections didn't respond, I sent XXXX, XXXX, and XXXX a dispute stating the same thing, XXXX removed it however, I still have not received a response from XXXX or XXXX. 
XXXX updated comments to this : Account information disputed by consumer, meets FCRA requirements. I'm confident that this is also a violation of the FCRA considering no investigation was done. 

This is a violation of federal law and must be removed. It has yet to be removed, nor have they responded to me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: VA

Complaint narrative:
XX/XX/2021 dispute regarding request to remove negative reporting missed payments on a XXXX business account auto loan, Disputes opened with XXXX, XXXX, and Transunion. The payments were not late but were reported late by XXXX after a failure on their part to adjust the loan payment structure following covid 19 and account being affected by natural declared disaster. There has been no response from XXXX or the 3 credit agencies regarding this matter.

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 2022-02-17 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: VA

Complaint narrative:
XX/XX/2021 dispute regarding request to remove negative reporting missed payments on a XXXX business account auto loan, Disputes opened with Equifax, XXXX, and XXXX. The payments were not late but were reported late by XXXX after a failure on their part to adjust the loan payment structure following covid 19 and account being affected by natural declared disaster. There has been no response from XXXX or the 3 credit agencies regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: VA

Complaint narrative:
XX/XX/2021 dispute regarding request to remove negative reporting missed payments on a XXXX business account auto loan, Disputes opened with XXXX, Experian, and XXXX. The payments were not late but were reported late by XXXX after a failure on their part to adjust the loan payment structure following covid 19 and account being affected by natural declared disaster. There has been no response from XXXX or the 3 credit agencies regarding this matter.

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 2022-02-17 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: AZ

Complaint narrative:
So my name is XXXX XXXX and my information was impacted by the XXXX Data Breach and may have gotten into the hands of the wrong person. This letter is a formal complaint that Experian is reporting inaccurate and incomplete credit information. I am distressed that Experian have included the information attached in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. I demand these accounts be deleted immediately or I am filing for litigation. I am educated about FCRA Laws and that law plainly stated that a failure to investigate these items within Thirty days gives a reason to immediately remove those items from my credit report it has been over THIRTY days so they should be deleted promptly.

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 2022-02-17 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: LEXISNEXIS
State: PA

Complaint narrative:
I contacted XXXX on XX/XX/XXXX because I have been violated of my rights by an incorrect account reporting on my credit file. XXXX said that the account that is reporting inaccurately was verified from the courthouse. I called the courthouse and they said they do not have any records on file and that they do NOT share anyones personal information to the credit reporting agencies nor do they intervene with the dispute investigation. They also sent me out a letter as verifiable proof. I called back to XXXX on XX/XX/22 to tell them that they are not doing a proper investigation of this account and they said that they are certainly verifying this from the XXXX Court house. I was transferred over to the supervisor who then confirmed that it was verified through LexisNexis. I told them that LexisNexis does not have it on their credit file and I showed verifiable proof from the dispute that I sent out in XXXX that was not properly investigated. The supervisor then said that the letter I sent in from LexisNexis was not something they can except because it came from a third party and that LexisNexis has to send an electronic file in order for them to accept it. I called LexisNexis and they said that they were sending out a dispute to XXXX with my new credit file. They also said that XXXX did not contact them about a dispute or an any account on my credit file. I am so upset with the progress I have received disputing this inaccurate account on my report. XXXX will not give me the right answer as to who they are verifying their information from. They are violating my consumer rights and laws by not telling the truth/false information or showing me physical proof of the verification. This is unfair practice and has become detrimental to my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: PA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX started reporting on my Experian credit profile. I have never received a letter or originating documents with any viable evidence bearing my signature. 
Dispute : XX/XX/XXXX Dispute : XX/XX/XXXX Dispute : XX/XX/XXXX Dispute : XX/XX/XXXX Dispute : XX/XX/XXXX Dispute : XX/XX/XXXX Dispute : XX/XX/XXXX Reresulted in the deletion of the account for XXXX XXXX XXXX On XX/XX/XXXX XXXX soft inquiries from XXXX XXXX XXXX were deleted from my credit profile In XX/XX/XXXX I received an alert via Experian that my account has been flagged with a collections account listed for {$4100.00} from XXXX XXXX XXXX XXXX I was not notified nor did I receive a letter in the mail from Experian or XXXX XXXX about the reinsertion of the alleged debt. I have sent numerous debt verification letters via certified mail to Experian on XX/XX/XXXX and XX/XX/XXXX and have not received any response.

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 2022-02-17 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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

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 2022-02-17 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: FL

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

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 2022-02-17 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: FL

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: FL

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 Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
I just had this issue opened. Shellpoint removed from XXXX credit report and now Today I was just alerted it was added to my XXXX report. This Mortgage needs removed immediately from all credit reports and not to be added again

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: NC

Complaint narrative:
I submitted paperwork proving that I was a victim of identity theft on XX/XX/2021 to all three bureaus ( XXXX, XXXX, and Equifax ) and I still haven't received a response from any one of them. I had proof that my identity has been compromised and that I need an investigation to clear everything up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: NC

Complaint narrative:
I submitted paperwork proving that I was a victim of identity theft on XX/XX/2021 to all three bureaus ( XXXX, Experian, and XXXX ) and I still haven't received a response from any XXXX of them. I had proof that my identity has been compromised and that I need an investigation to clear everything up.

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 2022-02-17 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: FL

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, XXXX and Transunion 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 2022-02-17 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: FL

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 XXXX XXXX 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