vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-22 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:
I XXXX XXXX PULLED MY CREDIT REPORT AND NOTICE THERE WERE A LOT OF THINGS THAT WERE NOT MINE, AND I SENT IN A LETTER TO HAVE THE ITEMS VALIDATED OR REMOVED AND I HAVE NOT HEARD ANYTHING BACK YET. I NEED ANSWERS, PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 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: GA

Complaint narrative:
I XXXX XXXX PULLED MY CREDIT REPORT AND NOTICE THERE WERE A LOT OF THINGS THAT WERE NOT MINE, AND I SENT IN A LETTER TO HAVE THE ITEMS VALIDATED OR REMOVED AND I HAVE NOT HEARD ANYTHING BACK YET. I NEED ANSWERS, PLEASE. This is hurting my chances of moving into a new place.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 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: GA

Complaint narrative:
I XXXX XXXX PULLED MY CREDIT REPORT AND NOTICE THERE WERE A LOT OF THINGS THAT WERE NOT MINE, AND I SENT IN A LETTER TO HAVE THE ITEMS VALIDATED OR REMOVED AND I HAVE NOT HEARD ANYTHING BACK YET. I NEED ANSWERS, PLEASE. This is hurting my chances of moving into a new place.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 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: GA

Complaint narrative:
I XXXX XXXX PULLED MY CREDIT REPORT AND NOTICE THERE WERE A LOT OF THINGS THAT WERE NOT MINE, AND I SENT IN A LETTER TO HAVE THE ITEMS VALIDATED OR REMOVED AND I HAVE NOT HEARD ANYTHING BACK YET. I NEED ANSWERS, PLEASE. This is hurting my chances of moving into a new place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
We open an account and in an hour they closed and is holding my money the account was for business porpoises we deposited 2 checks now I have to wait until bank American wants to send my money when that money was for insurance and services for the business is long long wait didnt told me anything about this try to speak with customer service and cant explain what happened

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 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: SC

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or misleading advertising or marketing — 
Company: WorldRemit Corp.
State: NV

Complaint narrative:
On XX/XX/XXXX I initiated a money transfer to XXXX through the company named WorlldRemit, this transfer was intended to help a family member to get medical attention in XXXX, the transaction number is XXXX ( see attached screenshot ) and was charged to my credit card. By XX/XX/XXXX I have to cancel the transaction because the payment wasnt still deposited to the recipients account and I have to use another company to send the money since this was very urgent. As seen on the screenshot attached when one is placing the order it clearly says the money would be deposited the same day to the recipients account, misleading the customers who use the service thinking they are going to have a quick resolution of the service contracted. 
On XX/XX/XXXX when I requested the cancelation due to a failure of WorldRemit to deposit the money to my recipients account a customer service representative told me via chat that the refund will appear whiting the next 7 business days back to my credit card. 
On XXXX the XXXX I got in touch again via chat with a customer service representative from WorldRemit who told me that the refund was made already, but that he wasnt able to send me any proof to support that transaction, like a trace number, refund number or any receipt whatsoever, in order for me to contact my bank. 
Until today XX/XX/2021 the refund of the money hasnt been made yet, and yesterday XX/XX/XXXX, I spoke over the phone with an agent named XXXX and still she wasnt able to provide any support of this refund arguing that she did not have access to that information, and after insisting for a very long period of time over the phone she finally agreed to send the receipt, but for my surprise I got an E-mail from WorldRemit with the receipt of another WorldRemits client, who I do not have anything to do, on this receipt one can see all the personal and financial information of this customer. 
I question how come a customer service representative cant have access to a receipt or trace number belonging to the refund of my money, but she can have access to somebody elses account and spread this information to other customers, that is a clear violation of their same policies of the company and on the same receipt they state clearly the following WORLD REMIT DOES NOT DISCLOSE ANY NON-PUBLIC PERSONAL INFORMATION ABOUT OUR CUSTOMERS EXCEPT AS PERMITTED BY LAW statement that they are violating, which tells me WorldRemit doesnt provide any personal information protection to his clients. 
Today I spoke with a Worldremit supervisor whose name is XXXX, and still he hasnt been able to produce any proof of that apparently refund made to my credit card, I have contacted my bank several times and they confirmed that there is not any refund on its way to my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 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: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
XXXX XXXX  or CCB/comenity bank has been moving late payments around on my credit report for years and have been doing this fraudulently and reporting false information! Ive reached out to them constantly dispute after dispute and no one responds within the 30-45 day time frame. These late payments need to be removed because they are FALSE REPORTING!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 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: PA

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I XXXX XXXX did not consent to, authorize nor benefit from any of the following inquiries on my FTC report. Please block and remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I XXXX XXXX did not consent to, authorize nor benefit from any of the following inquiries on my FTC report. Please block and remove.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Unsolicited credit card offer ; called Capital One to request being taken off mailing list and was told that this will continue for 45 more days. Unacceptable as I have already permanently opted out from these kind of solicitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 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: USCB Corporation
State: TX

Complaint narrative:
I am raising the issue of 11 U.S.C. Section 362 ( k ) ( 1 ) provides that an individual injured by any willful violation of a stay provided by this section shall recover actual damages, including costs and attorneys ' fees, and, in appropriate circumstances, may recover punitive damages. 
I will sue this credit reporting company for violating my automatic stay under federal law. I filed bankruptcy and included this company. The company knows I included them in my bankruptcy and are still trying to make a collection. You have violated my right and federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. 

XXXX XXXX - Inquiry from XX/XX/XXXX XXXX XXXX - Inquiry from XXXX, XXXX XXXX XXXX  - Inquiry - from XX/XX/XXXX XXXX XXXX - Inquiry from XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX- Inquiry from XX/XX/XXXX 2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
A XXXX XXXX XXXX mortgage account XXXX XXXX XXXX XXXX was paid in full. This established account should be accounted for in my history. But, Transunion and XXXX are NOT including this account in my history but rather is reflecting my credit as NEW and as a result is causing my scores to be lower. If it was derogatory, it would be included!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 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: EQUIFAX, INC.
State: VA

Complaint narrative:
A XXXX XXXX XXXX mortgage account XXXX XXXX XXXX XXXX was paid in full. This established account should be accounted for in my history. But, XXXX and EQUIFAX are NOT including this account in my history but rather is reflecting my credit as NEW and as a result is causing my scores to be lower. If it was derogatory, it would be included!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 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: TX

Complaint narrative:
I am raising the issue of 11 U.S.C. Section 362 ( k ) ( 1 ) provides that an individual injured by any willful violation of a stay provided by this section shall recover actual damages, including costs and attorneys ' fees, and, in appropriate circumstances, may recover punitive damages. 
I will sue this credit reporting company for violating my automatic stay under federal law. I filed bankruptcy and included this company. The company knows I included them in my bankruptcy and are still trying to make a collection. You have violated my right and federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 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: TX

Complaint narrative:
I am raising the issue of 11 U.S.C. Section 362 ( k ) ( 1 ) provides that an individual injured by any willful violation of a stay provided by this section shall recover actual damages, including costs and attorneys ' fees, and, in appropriate circumstances, may recover punitive damages. 
I will sue this credit reporting company for violating my automatic stay under federal law. I filed bankruptcy and included this company. The company knows I included them in my bankruptcy and are still trying to make a collection. You have violated my right and federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Oliver Adjustment Co.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX called OAC. I disputed these on XXXX XXXX, they were removed, and then put back up again numerous times. How many times do I have to keep disputing them. I have XXXX and XXXX, my insurance XXXX covers the remaining balance on everything, so if it's going to collections, it's because they're not doing their jobs and billing XXXX. They have all my proper information, and I even confirmed it with their billing department over the phone. I finally got my credit to a good number, and these XXXX keeps billing me these charges that insurance has paid for already, and there should be a log of that. Isn't it illegal to do this to someone's credit? We're in 2021 now, I am on XXXX and have been for XXXX years.. I collect XXXX, and don't work, I make about {$500.00} a month, isn't there some sort of relief out there? We shouldn't even be having this conversation, because these were already paid off by insurance. Some of these date back to XXXX how is this possible? 

Recently I reached out to the company on their site, but got no reply back, which I honestly wasn't expecting one. OAC seems to do this to a lot of people from what I've read in XXXX them for their last cent, and going after people who actually can't afford it.. harassing them. 

I don't have anything that says they were paid for, unfortunately, but my insurance should have that.. most of it is done digitally now. I think the problem is that XXXX XXXX did not bill my XXXX, instead billed me, even though I told them to bill insurance, they cover whatever XXXX doesn't, and that's why it's in collections. However, I told collections this, and they are not doing their job either in getting the money from insurance.. I'm sure you understand what I'm saying. So I can't have documentation of something when people aren't doing their jobs and billing the right people.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2021 I learned that I was locked out of my security freeze and fraud alert information on Equifax. I receive updates monthly from other credit bureaus. I was a paying Equifax customer for many years. My information was breached during the Equifax security breach. When I tried contacting Equifax regarding my inability to access my information. I was told they were doing an update. I learned that the security PIN I was given when I initially set up my freeze and fraud alert is no longer required to access the security information. 

Each time I tried to enter my information I was told that an account could not be found. But when I tried recreating my account with the information I knew existed, I was then told you already have an account. When I asked to have a reset sent to my email it never arrived. I believe Equifax is still up to their old fraudulent games. Why would they remove the PIN and then make it easier for someone who has received my information to be able to recreate my account with information that was stolen during the breach. 

I have received at least 5 alerts from XXXX  and XXXX informing me that my information is being sold on the Dark Web. As for any refund for all the years I paid for service, there was none. I submitted a complaint against Equifax when the settlement was first announced. I have received nothing to date from that supposed settlement. I believe Equifax should not even be allowed to continue in business handling secure information. I was told the only way I could verify my identity was to send a copy of my social security card, a drivers license or other very personal information to XXXX, GA. Yes, I understand that's where Equifax is located, but I also know that someone in XXXX is pretending to be me. I don't trust them. I was tricked before into sending information as these to them, but the issue continues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. 

Informative research- Inquiry from XX/XX/XXXX Equifax mortgage ser- Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX - Inquiry from XX/XX/XXXX XXXX XXXX XXXX- Inquiry from XXXX XX/XX/XXXX XXXX  - Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 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: FL

Complaint narrative:
I sent out a letter To Verify The Accuracy On my Credit Report. They were unable to provide me with a copy of the supporting documentation as proof. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. its been way over 30 days and i have no 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