vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hello. A few months ago I tried opening a new checking account at my bank but was denied due to an item for collections that I was unaware of and has been negatively impacting my credit score for the last 5 years. Apparently a company named XXXX XXXX is claiming I owe {$500.00} on an old account that hasn't been used since XXXX. However, I distinctly remember paying all of the bills in full for the TV/internet service that was provided to me. There was a situation about a year into the contract where the XXXX XXXX service we were paying for stopped working completely. I called the company multiple times to inform them that my XXXX XXXX was no longer working, and every time they told me somebody would be showing up to fix it- which never happened. I would like for this issue to be resolved and for this item for collections to 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 non-monetary relief
Consumer complaint received 2022-03-16 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XX/XX/XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX  XX/XX/XXXX now

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have repeatedly requested the permissible permission from Experian and XXXX XXXX XXXX XXXX ( XXXX ) used to access my credit report in XX/XX/2017. Experian send request to XXXX and XXXX ignores, refuses, and label my complaints as duplicate. Experian and XXXX play games to the benefit to avoid liability and responsibility.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pacific Rim Alliance Corporation
State: AZ

Complaint narrative:
I received calls and asked what the debt is for in writing and never received any information in writing to confirm that a debt was owed. This was placed on my credit report which will possibly hinder me from going to school. I am a XXXX XXXX and rely on financial aid via loans and this inaccurate information will prevent make from enrolling in my classes scheduled for next semester.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Good Afternoon, What company, entity, or organization is engaging in conduct you believe violates the antitrust laws? 
XXXXXXXX XXXX and Credit Reporting Bureaus How do you believe this entity may have harmed competition? 
XXXXXXXX XXXX  sold several accounts to other Mortgage institutions, which closed the old accounts of several mortgage holders ( me being one of them ) and transferred them to the new mortgage company. 

As a result, it was reported as a closed account to the credit bureaus, which caused my credit score to drop an average of XXXX points. The same is happening for people who sell their homes. With lower credit scores, people now have to acquire less favorable interest rates and terms on new loans and have their existing creditworthiness come into question by other creditors on their files. 

What is your role in the situation? For instance, are you a customer, competitor or supplier? 
My mortgage loan was transferred from XXXXXXXX XXXX to XXXX XXXXe XXXX XXXX. The XXXX XXXX was reported as 'closed, ' which caused my credit score to drop by XXXX points. I am in the middle of applying for a second home loan and was told that my rates will dramatically change with a XXXX point drop on my score. 


I contacted both XXXX XXXX and all credit reporting Bureaus and was told that there is nothing they can do. According to 15 USC CHAPTER 41, SUBCHAPTER III : CREDIT REPORTING AGENCIES, the Accuracy and fairness of credit reporting is manipulating and " directly impair the efficiency of the banking system. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ALLY FINANCIAL INC.
State: NM

Complaint narrative:
Ally Financial is guilty of the following federal crimes : Violation of 15 USC 1681 Violation of 15 USC 1692b. ( 2 ) Violation of 15 USC 1692d.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: NY

Complaint narrative:
Its been over 30 days since I have reached out to the Credit Bureau and have yet to receive a response, these items on my credit report are inaccurate and I demand to have them deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16 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: NY

Complaint narrative:
Its been over 30 days since I have reached out to the Credit Bureau and have yet to receive a response, these items on my credit report are inaccurate and I demand to have them deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act my rights has been violated. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Which is Experian and you are still reporting this account without my written instructions. I also requested the information that was used to verify this account in writing. No documents was produced, so DELETE this account from my credit report immediately. 

The dispute for the account with XXXX XXXX XXXX that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate. Source : Experian Date Submitted : XX/XX/2022 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX How can this information be accurate according to XXXX Credit Report from XXXX XXXXXXXX XXXX Clean slate! As of XXXX. XXXX, XXXX you have no collection accounts on your credit report. How can this information be accurate as well on XXXX Credit Report from XXXX XXXX. Clean slate! As of XXXX. XXXX, XXXX, you have no collection accounts on your credit report. Also attached document from XXXX XXXX XXXX XXXX and please look at the date when I did my own investigation. Please tell me how it can it be certified when they have not found any case existing on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL

Complaint narrative:
This letter Is in response to a derogatory collection reporting on my credit report, last reported on XX/XX/2022. 
I am requesting that you either : 1. Provide verification of this debt. 
Please send the following information : The name and address of the original creditor, the account number, and the amount owed. 
Verification that there is a valid basis for claiming I am required to pay the current amount owed. 
Details about the age and the exact amount of debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; and the date the original creditor claims this debt became delinquent. 
Please also note whether this debt became delinquent. 
Please also note whether this debt is within the statute of limitations and how that was determined. 
Please also forward details about your authority to collect this debt ; whether you are licensed in my state and if so, provide the date of the license, name on the license, license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 
Lastly, please provide proof that I XXXX XXXX XXXX, agreed to pay this debt, and HIIPA release form stating you have permission to access all of this protected health data OR 2. Voluntarily dismiss this debt Under the Fair debt collection practices act standard. 
Under the Fair debt collection practices act standard, I never received a detailed letter within 5 days showing my debt, and giving me the opportunity to request to verify this debt within the 30 day timeline. By you failing to send this letter and give me a fair chance to verify this debt within the allotted timeline Under the Fair debt collection practices act standard, You have violated the fair debt collection practices act, thus making this debt invalid and needs to be dismissed. 

Please be advised that if you do not dismiss this debt OR produce these documents, you have failed to validate my debt, thus in direct violation of the fair debt collection practices act standard and thus, I will report you to the federal trade commission Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Maury Cobb, Attorney at Law, LLC
State: CA

Complaint narrative:
On XX/XX/2022 I sent out a letter regarding inaccurate and unknown company on my consumer report. I sent a request for validation to Maury Cobb and associates, LLC on XX/XX/2022. XXXX XXXX respond back on XXXX XXXX sayin that the debt was verified and I owe the debt to XXXX and sent billing statements from XXXX. I never signed a contract with this company. They have no right to my information, my rights to privacy has been breached. I demand this account be permanently removed from all my consumer report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I noticed my account was way lower then it should have been. When going over each withdrawal I noticed there were quite a few thats I didnt authorize. I reached out to my bank and canceled my card. I even closed my account down on the phone and got another phone so whoever had my info didnt anymore. I then get a letter from my bank that they are not going to honor my disputes and put the money back in my account. The letter that was sent to me had a phone number on there if I had questions. I called this number several times a day and was on hold for a hour EACH time. So for days I used my whole lunch break being on hold as well as at home being on hood for at least a hour. Never could get anyone on the phone to answer my questions. I have called different times of the day hoping for different results. I have received nothing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/XXXX, XXXX Purchased a falafel from XXXX XXXX XXXX XXXX & XXXX XXXX At time of purchase, merchant failed to provide a reciept or show the POS for authorization. Original price for XXXX  stated on truck was {$6.00}. 
XXXX XXXX I check my bank statements and see a charge from the foodtruck for {$100.00}. I immediately call chase to dispute, as foodtruck does not have phone number posted anywhere. Chase applies a credit of XXXX to my account. 
XXXX XXXX, XXXX Chase does a chargeback on my account for the same amount. I call 3 times & recieve various responses but none stating WHY, except that " merchant provided a reciept ''. Chase claims they are no longer able to help me & i would have to contact the merchant. ( a foodtruck? with no number or address ) Thankfully i recieve a letter including the documents the merchant provided as " proof ''. Within the documents, I noticed the date/time at the time of sale the merchant provided was WRONG, time of purchase was XXXX am XXXX & the reciept they provided clearly states XXXX am. I bring this up to chase, and the agent over the phone AGREED that was a overlook, but i had to fax the documents where that was evident. 
XXXX, XXXX chase sends a statement saying nothing changed & the claim is closed, DESPITE validating the reciept was fraudulent. Their reason was " the merchant said services were provided '' The merchant was able to OVERCHARGE me, PROVIDE AN ALTERED SALES RECIEPT, PROVIDE NO AUTHORIZATION OR SIGNATURE FOR THE EXACT AMOUNT BUT THEIR CLAIM IS MORE VALID THAN MINE? Gross negligence, terrible customer experience not only from merchant, but the bank i've been with for nearly 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Comenity Bank delays processing of payments to facilitate charges of interest and late fees. 
I always pay my outstanding balance as soon as the statement arrives. 
One month I made two large purchases and had a balance in excess of {$10000.00}. 
I made certain the payment went out the day after the statement arrived. 
Eighteen days later no payment was posted to the account and the check had not cleared my bank. 
I messaged Comenity that the check must be lost or stolen and I was stopping payment. 
The next day Comenity posted the payment and attempted to process the check, but the stop payment had already taken effect. 
It is highly unlikely a payment could be lost in the US postal system for two weeks and ever arrive. 
It is even more unlikely that a payment could be lost in the US postal system for two weeks and arrive the very same day as a message stating that a stop payment order had been placed on the check. 
Comenity denied a request to reverse either the interst or the late fee. 
Copy of messages exchange with Comenity attached

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PlusFour, Inc
State: FL

Complaint narrative:
On XX/XX/2022, Plus Four put a {$250.00} collection on my account. I have no idea who Plus Four is and don't owe anyone any money. Lastly, no attempt was ever made to contact me by Plus Four. Please remove the Plus Four illegal collections account from my XXXX credit report. 


Plus Four Amount {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX, Nevada 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 2022-03-16 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this XXXX XXXX n now XXXX XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now

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