vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Messerli & Kramer P.A.
State: MT

Complaint narrative:
I have been paying on a debt but my car got totalled and I'm struggling to find a job that works with my XXXX XXXX. I have been unsuccessful so far. It's been about 6 weeks now. I have contacted the company several times to update them on my situation and have told them twice to stop calling me. Now they're using phone number masking, so they're showing up as " restricted '', " unavailable '', and " unknown ''. Just today ( XXXX ) I have received 11 phone calls from " restricted '', " unknown '', and " unavailable '' between XXXX and XXXX. They have me on a recorded line telling them that I do not answer unknown phone calls and I asked for the number they'd call me from so I could add it to my contacts. They have used around 30 different phone numbers in the last month. I am sick of the harassment. They haven't responded to any of my attempts to contact them. XXXX XXXX is the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 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: NV

Complaint narrative:
I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, hurts me applying for credit and applying for jobs. I've reached out to have these issues resolved and haven't gotten a response. I would like to get this issue resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 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: NV

Complaint narrative:
I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, hurts me applying for credit and applying for jobs. I've reached out to have these issues resolved and haven't gotten a response. I would like to get this issue resolved as soon as possible.

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 2022-10-23 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted this company to ask for verification of this account unfortunately, they was not able to do so and they are still reporting. 
It is not my intention not pay for debt that I owed, however, I do not recalled doing any type of business with this company, however, I asking this company to verify this account and I am not asking for any atomized bill, I am asking for contracted with my signature that stated I have done business with this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The credit bureaus are illegally reporting inaccurate information on 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 non-monetary relief
Consumer complaint received 2022-10-23 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:
Hello I contacted transunion everyday this week regarding two fraudulent accounts on my transunion credit report. This was the week of XXXX XXXX. 2022. I filed a FTC report and I would like this matter handled please! Everyone was very rude and not helpful at all!

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 2022-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
On XX/XX/2022, I went to XXXX 's XXXX in my town, in order to replace my member 's card. The employee that helped me about my card, offered me a free credit card. I asked some doubts about this issue and one of the questions that I asked was ; How this offer will affect my score in my credit?. The XXXX XXXX XXXX 's employee informed me that maybe the points will be just about 2 or 3 points. And she also told me that getting a credit card will help me to improve my score. In addition they offered me a {$30.00} of credit in my balance statement if I opened an credit car account. The information that she brought me, I believed that were truth and corrected ones and then, I accepted to apply for the credit card. She asked me about my personal information to apply and she told me that the bank XXXX XXXX XXXX  ) approved my credit limit of {$1000.00}. This credit represented a personal XXXX 's XXXX credit card. This credit if for shopping in this store and XXXX only. Also she told me that in 3 months I could apply for a master card credit, if I use well this credit. 
THE PROBLEM WAS, I received an email from my XXXX XXXX, indicating that my score changes in XX/XX/XXXX. When I logged in my account, I saw a HUGE SURPRISE!!!! MY SCORE WAS DOWN FOR XXXX POINTS, in Transunion credit bureau because of this credit card application. I make a phone call to Transunion and they told me that for this issue I had to contact the business. Then, Today ( XXXX XXXX ) I went back to XXXX 's Club and talked to an Supervisor about what I found in my credit score and I wasn't please for the XXXX XXXX that were down and I tried that they fixed this issue in my credit report because one of their employee disinformed me and for this disorientation caused this issue. The supervisor informed me that they could not fix this, that XXXX XXXX  is the entity that could help me. She make a phone call and I talked with a representative of this bank and she also indicated that they neither could do anything about this reduction of my score. She said that I have to call Transunion, in order to ask them, Why they down my score by XXXX points for this transaction?. For this reasons I want to submit a complaint, because I trusted the XXXX 's XXXX 's employee about the offer of the credit card that she informed me and observe what happened, instead of help me to improve my score, it gets worse because this application. FOR ME ITS NOT FAIR THAT THIS HAPPENED TO ME. 
I was very aware about my good score in my credit. Please, I need you help because I want to know how am I could fix my score?. Thank for your time and I hope you can help me in this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 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: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
On XX/XX/2022, I went to Sam 's Club in my town, in order to replace my member 's card. The employee that helped me about my card, offered me a free credit card. I asked some doubts about this issue and one of the questions that I asked was ; How this offer will affect my score in my credit?. The Sam 's Club 's employee informed me that maybe the points will be just about 2 or 3 points. And she also told me that getting a credit card will help me to improve my score. In addition they offered me a {$30.00} of credit in my balance statement if I opened an credit car account. The information that she brought me, I believed that were truth and corrected ones and then, I accepted to apply for the credit card. She asked me about my personal information to apply and she told me that the bank ( Synchrony Bank ) approved my credit limit of {$1000.00}. This credit represented a personal Sam 's Club credit card. This credit if for shopping in this store and Walmart only. Also she told me that in 3 months I could apply for a master card credit, if I use well this credit. 
THE PROBLEM WAS, I received an email from my XXXX XXXX, indicating that my score changes in XX/XX/XXXX. When I logged in my account, I saw a HUGE SURPRISE!!!! MY SCORE WAS DOWN FOR XXXX POINTS, in XXXX credit bureau because of this credit card application. I make a phone call to XXXX and they told me that for this issue I had to contact the business. Then, Today ( XXXX XXXX ) I went back to Sam 's Club and talked to an Supervisor about what I found in my credit score and I wasn't please for the XXXX XXXX that were down and I tried that they fixed this issue in my credit report because one of their employee disinformed me and for this disorientation caused this issue. The supervisor informed me that they could not fix this, that Synchrony Bank is the entity that could help me. She make a phone call and I talked with a representative of this bank and she also indicated that they neither could do anything about this reduction of my score. She said that I have to call XXXX, in order to ask them, Why they down my score by XXXX points for this transaction?. For this reasons I want to submit a complaint, because I trusted the Sam 's Club 's employee about the offer of the credit card that she informed me and observe what happened, instead of help me to improve my score, it gets worse because this application. FOR ME ITS NOT FAIR THAT THIS HAPPENED TO ME. 
I was very aware about my good score in my credit. Please, I need you help because I want to know how am I could fix my score?. Thank for your time and I hope you can help me in this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Recently I submitted a complaint about a collection account on my credit report. After disputing the account I believe that XXXXXXXX XXXX XXXX  has violated hipaa law and has violated my rights. I will attach some files that back my claim. Hipaa law protects people like me from unlawful medical information. The following is the collection account information. 

ACCOUNT : XXXX XXXX XXXX XXXX  Account XXXX Open Balance : {$4900.00} Date opened : XX/XX/2021 Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Phone : ( 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 2022-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
This is in regards to 2 related issues from the same incident : My Fifth Third ( Secured Credit ) Account ( Ending in XXXX ) was closed due to non-payment of the monthly credit card fee. When I first started the account, I put up {$300.00} as a Security Deposit. The account was maxed out at XXXX before it was closed. The non-payment was the result of my recent income loss. Now that I'm working again, I made an attempt to set up a payment plan to pay off the amount owed in response to a XX/XX/2022 letter I received from the bank. I made the call on XX/XX/2022 : ( XXXX ) but noticed right before making the call that the letter claims I owed a balance of " {$390.00} which includes late charges and/or fees of {$40.00} '' however, this amount is incorrect as it doesn't account for the {$300.00} security deposit that was swallowed by Fifth Third when the account closed. That would mean the true amount owed would be closer to {$93.00}. 

( XXXX ) The second issue was that I was unable to get in contact with the bank in order to pay off this debt. On XX/XX/2022 I attempted to call the number from the letter I received : ( XXXX ) XXXX XXXX whole hours before closing. I got in contact with the collections representative who would ask for my information and then hang up the phone while I was providing this information or right after. I called back 3-4 times reaching different agents and each time they'd hang up the phone before I could verify my account & the amount owed. The fact that this happened across several representatives and in the same manner indicated to me that this wasn't a personal/professional issue with the representative but some sort of policy to disconnect the call. The only reason I could assume it is to stave off the payback of the debt for as long as possible while additional interest fees and late charges can accrue. If so, this is highly unethical. I live in New York currently, and as such, I am unable to walk into a Fifth Third location in order to pay the debt off. I would mail in a check or money order but have not received any steps to do this from Fifth Third.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 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: IL

Complaint narrative:
I sent my firt letter XX/XX/1922 to investigate the following : XXXX XXXX XXXX XXXX XXXX  # XXXX Please verify this account. 
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 
Also a removal of in accurate address XXXX XXXX XXXX XXXX XXXX IL, XXXX I have not received anything and they have not completed any investigation. 

I also sent another letter XX/XX/XXXX demand to comply letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 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: CA

Complaint narrative:
The credit bureaus are illegally reporting inaccurate information on 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 2022-10-23 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: NV

Complaint narrative:
The credit bureaus are illegally reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Recently I submitted a complaint about a collection account on my credit report. After disputing the account I believe that XXXX XXXX  XXXX  has violated hipaa law and has violated my rights. I will attach some files that back my claim. Hipaa law protects people like me from unlawful medical information. The following is the collection account information. 

ACCOUNT : XXXX XXXX XXXX Collection Account number:XXXX  Open Balance : {$4900.00} Date opened : XX/XX/2021 Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( 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 2022-10-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
XX/XX/XXXX - Reached out via email to request a refund of my payments made on XX/XX/XXXX of XXXX. ( Replied XX/XX/XXXX ) XX/XX/XXXX - Phoned into Student Loan Counselors and spoke with a representative that informed me that my refund would apply 30-45 days from speaking on the phone. 

Today, XX/XX/XXXX - I have not received any updates, no emails or changes on my account page. It was supposed to take 3 weeks for my account to process, and another week or so for the refund to hit my bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 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: NV

Complaint narrative:
The credit bureaus are illegally reporting inaccurate information on 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 non-monetary relief
Consumer complaint received 2022-10-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Loqbox US Inc
State: NY

Complaint narrative:
Loqbox is trying to charge me {$780.00} for a installment loan that I never set up. I don't even have a account under the email address that it is attached to. I only have one email address and I don't have anymore. Loqbox {$780.00} - XXXX XXXX and reported it on XXXX XXXX. Is says account condition open and installment loan. I never opened up this loan with this company and I want it removed from my credit report immediately. And I want this company to stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 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: DE

Complaint narrative:
Agency did not provide me the consumer the following information. 

The Following information is required. Please fill out the form below in its entirety. 
1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? ____ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful :

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 2022-10-23 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: DE

Complaint narrative:
Agency did not provide me the consumer the following information.

The Following information is required. Please fill out the form below in its entirety.

1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? ____ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful :

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 2022-10-23 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: WI

Complaint narrative:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX ( XXXX. XXXX, XXXX, Balance {$14000.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$10000.00} ), XXXX XXXX XXXX ( Date Opened XXXX XXXX, XXXX, Balance : {$22000.00} ), XXXX  XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1200.00} ), XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$600.00} ), XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, Balance : {$1000.00} ), XXXX XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$1500.00} ), Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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