vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 40 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2022-02-22 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: OK

Complaint narrative:
I have an unauthorized inquiries on my Equifax and XXXX credit report. 
Inquiries with Equifax are : XXXX XXXX XXXX are : XXXX XXXX, XXXX, XXXX  and cXXXX XXXXs

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: AZ

Complaint narrative:
EQUIFAX is reporting information on XXXX XXXX BANK XXXX account that is incomplete and inaccurate. I never gave EQUIFAX written consent to report this account on my consumer report. The account details, nature of the dispute, and verification documents are listed in the attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA

Complaint narrative:
My husband lost his job in XX/XX/2021 so we missed the XXXX payment. We contacted XXXX and they advised to call them when he received his paycheck from his new job so they can evaluate us for a repayment plan. We contacted them in XXXX to start a payment plan. The gal we spoke with agreed that we would be paying XXXX a month on the XXXX of every month except for XX/XX/2021 as the XXXX was on a weekend. This would be for 6 months. Then we started getting notifications in the mail stating our house was going to start the pre foreclosure due to us not making our payments and for not contacting them to set something up. I get 5 letters months stating the same thing when my payments are automatically taken out of my bank account. It is frustrating that when we call we are told not to pay attention to the letters as we are current but then to get those letter in the mail which do not show the correct information. I was told today that per HUD those letters have to go out but you would think that if we are abiding by our payment plan we would not get those letters. All I am asking is that those letters reflect the correct information. I have asked them to fix them but they said they can not.

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 2022-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2022 Best Buy Credit Card blocked my account due to suspicious activity. I called them to clarify, and get verified but they wouldn't do anything to help me, aside than just saying we'll call you back to verify the account which they never call back. I would really appreciate your assistance in trying to get this resolved and my card unblocked. I have called them multiple times to get this resolved and they unblock my card for a few days and re-block them, and they say someone will call me to verify my account but they never ever call. I would like your assistance in helping me resolve this issue, and to find out what's going on with this credit card company that they keep playing games with me, and honestly is getting to be extremely frustrating. I understand they need to verify accounts if they have suspicious activity, but they don't even try to verify the account like other well managed credit card companies that they will ask you very personal questions to verify the account, and even have you take a picture with your valid id, maybe they should learn how to operate and treat customers like 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 2022-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: FL

Complaint narrative:
medicredit keep trying collect a debt from me, after I sent a letter to them to stop all communication, unless they provide me with a detailed information about the debt, ( proff attached of the letter I sent them ) Also they sent me a personal information shared from Hospital, itemization of the hospital services, Hospital should not share this type of information to third parties,, I asked them for proof like any agreement signed for me that make me responsible for the debt, like I said before when I spoke with them I don't recognize the debt .. they should send me proof or stop this debt immediately or if they already reported to my credit report, they should let them know that this debt is disputed..i also asked more information about their authority in florida for collect debt XXXX ( license information and number ) All information requested from me to them has not provided with the time frame allowed by laws from my first call to them, again please stop this collection and if you forward to any other, let them know this the is in dispute... 
I sent them a letter on XX/XX/2022, they received on XX/XX/2022 I should receive the information requested by XX/XX/XXXX, other way they should stop this collection..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: OH

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: TX

Complaint narrative:
XX/XX/2021 : exercised right to rescind the contract due to XXXX XXXXS fraud. as evidenced on the XXXXecords, i.e. credit reports, fraudulently -- no lawful nor legal consent was given -- created and stored by the accomplices and accessories XXXX XXXX aided and abetted, in disregard to the laws, XXXX XXXXS has criminally and publicly committed fraud, defamation of character and libel crimes while, again, aiding and abetting, which is another crime, third parties, i.e. XXXX, EQUIFAX, and XXXX, all of which are accomplices and accessories -- by way of negligence or not -- to assist in carrying out the unlawful and illegal offenses, crimes and violations against XXXX XXXX and causing severe personal injury and damages to XXXX XXXX and authorized representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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:
XX/XX/2021 : exercised right to rescind the contract due to XXXX XXXX fraud. as evidenced on the records, i.e. credit reports, fraudulently -- no lawful nor legal consent was given -- created and stored by the accomplices and accessories XXXX XXXX aided and abetted, in disregard to the laws, XXXX XXXX has criminally and publicly committed fraud, defamation of character and libel crimes while, again, aiding and abetting, which is another crime, third parties, i.e. XXXX, XXXX, and EXPERIAN, all of which are accomplices and accessories -- by way of negligence or not -- to assist in carrying out the unlawful and illegal offenses, crimes and violations against XXXX XXXX and causing severe personal injury and damages to XXXX XXXX and authorized representatives.

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 2022-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX {$170000.00} XXXX XXXX XXXX XXXX {$12000.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2022-02-22 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: TX

Complaint narrative:
I have issues with Unknown XXXX XXXX popping up on my credit report. The Inquiries listed below must be Deleted since I did not Authorize the creditors to pull my credit nor did I authorize any creditor to hit me with a Hard Inquiry please conduct your investigation and DELETE any and all Hard Inquiries. I am not applying for any credit since I am looking to purchase a home in the near future. 

Inquiries Creditor Name Date of inquiry Credit Bureau XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX, XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX, XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX NA XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX DC XX/XX/XXXX XXXX XXXX CO XX/XX/XXXX Experian XXXX XXXX, XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX FINANCIAL SER XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX DC XX/XX/XXXX XXXX XXXX CO XX/XX/XXXX Experian XXXX BANK XX/XX/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 2022-02-22 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: V and H Portfolio
State: OH

Complaint narrative:
XXXX  XXXX charge off entry on my credit report for {$690.00} which is fraud. 

Vance & Huffman has an account for {$110.00} account # XXXX that is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
On XX/XX/22 I was notified that my Venmo account was charged {$69.00} by XXXX. I immediately disputed the transaction since I do not actively use my Venmo debit card now do I use Venmo on my XXXX account. I provided screenshots of my XXXX account showing no transactions for {$69.00} or transactions that add up to that amount. Venmo cancelled my debit card and provided a temporary credit for that charge. Then on XX/XX/22 I received another email from Venmo saying the XXXX XXXXharge was updated to {$130.00} and I again submitted a dispute. The email from Venmo detailed two separate charges of {$69.00}, the first transaction has a date of XX/XX/22 and the second on XX/XX/22. I had then received another email from Venmo from the dispute team saying if I didn't hear from an account specialist on XX/XX/22 to reach back out, I gave them a few extra days and still had heard nothing. On XX/XX/22 I reached back out for an update and on XX/XX/22 Venmo stated that my dispute was denied and to check my inbox for details, I checked my inbox and received no emails with the denial. I responded back since I know the total of {$130.00} was in fact fraud. Venmo asked me to further information proving why I was appealing the denial, I again sent the screenshots mentioned above - since it was unauthorized I do not have further information. On XX/XX/22 I received another email from Venmo saying they can not appeal my dispute without further information since I don't have evidence from XXXX that the charge was fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
The name of the company is Convergent Outsourcing. They constantly taunt and harass me about information they retrieved from the dark web. They claimed to have received my information from XXXX, this is false information. I spoke with a representative from XXXX and they have never heard from the company let alone given away my information. I asked the Convergent representative can I call XXXX on a recorded three way call they continued to decline. I requested to see a contract between XXXX and Convergent Outsourcing and they declined. This company has stolen my information from the dark web and I was warned by an alert on my XXXX 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 2022-02-22 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: MD

Complaint narrative:
I sent a dispute letter through USPS mail to Equifax on XX/XX/2021. The details of the dispute are inside the letter. Equifax have not responded to this letter. Equifax have not informed me if they have opened an investigation regarding the disputed item/items in the dispute letter. 
Equifax need to provide a respond to me ASAP since it is now way over 30 days. 
Equifax needs to open an investigate to address the dispute within the letter. 
Equifax needs provide details of the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX {$170000.00} XXXX XXXX XXXX XXXX {$12000.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I made multiple transactions via XXXX in the amount of {$2000.00} to an imposter posing as a XXXX XXXX manager stating I needed to purchase insurance to claim or be compensated for my lost baggage with the airline. They had all my flight details. The number they used to call me was XXXX. The name of the imposter used was XXXX XXXX. They tricked me into buying a XXXX play gift card in the sum of {$200.00}. Which I also haven't been reimbursed for. I lost a total of {$2200.00} I immediately called the bank on XX/XX/XXXX to file a dispute. The claim was closed on XX/XX/XXXX stating that the funds can not be returned to my account. Please help me, I am a single mother of XXXX. Unemployed. please please please help me in being credited back my money.

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 2022-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I sent a debt validation letter three times on the following dates : XX/XX/2022, XX/XX/2022 and XX/XX/2022 and each time this company has failed to validate the debt. They have refused my rights in knowing the adequate validation requirement and have included numerous falsified statements within each letter response. Instead, this company sent a list of my medical records in which I know is a direct violation of HIPPA regulations. I never signed a HIPPA authorization form permitting this company to have access to my personal medical files.

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