vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XX/XX/2022, I filed a dispute for the inaccuracy of these accounts and submitted it to XXXX, XXXX, TransUnion, and the company itself, but no one has responded. On XX/XX/2022, I filed a Validation of Debt to XXXX but still no response coming from them and refused to remove the inaccuracy items 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 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On XX/XX/2022, I filed a dispute for the inaccuracy of these accounts and submitted it to Experian, XXXX, XXXX, and the company itself, but no one has responded. On XX/XX/2022, I filed a Validation of Debt to Experian but still no response coming from them and refused to remove the inaccuracy items 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 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I submitted a request to have my address and name updated. I also sent a copy of my identification and social security card enclosed with the letter. Instead of updating my file to the correct spelling of my name and deleting the ones they have, and updating my address to current. They sent me a letter that I have enclosed. I sent my letter asking them to update my information. And they sent a stall letter. I did not hire a credit repair company or any other third party company to reach out to them. I did this myself. I expect this issue to be resolved 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 2022-02-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Problem with fraud alerts or security freezes — 
Company: Guild Holdings Company
State: CA

Complaint narrative:
Guild Mortgage called me from XXXX today and had my personal information to ask me about a mortgage on a property. I do not now nor have I ever had a mortgage. I asked the representative his name and he gave me a fraudulent name. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX He also threatened to kill me. We exchanged insults until he hung up. This company has my PERSONAL information and let 's thier employees threaten people who aren't even thier customers. They should be shut down. Who knows what other fraudulent activities they have going on with people 's personal information and threatening to kill me is not a light matter. I tried calling back but it goes to an answering system for the co.pany

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have several disputes via writing to CRAs and via CFPB COMPLAINT, still no resolution.

Pursuant to 15 USC 1681n CIVILLY LIABLE FOR WILLFUL NONCOMPLIANCE : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or.

( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow My actual damages sustained are beyond the 4 letters sent to the cras and the numerous complaints sent through the cfpb. I have been denied for credit and housing and my children have suffered because of the willful noncompliance of the cra. Enclosed are my proofs from the courts and third party that the bankruptcy you claim was verified numerous times is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My name is XXXX XXXX. I'm a small business owner that uses Merchant accounts to deduct my business on a regular basis with primarily Chase. The name of this business is XXXX XXXX XXXX XXXX. Recently just did a transaction thru my merchant account with Chase in the amount of 6,000 dollars with a loyal business partner of mines. During the normal time it takes to drop a batch in my account normally takes the next day. However, this transaction is DELAYED only because I did not use the Merchant device, instead it was a online transaction but I have proof of the transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Hi I am submitting this XXXX XXXX without 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 XXXX XXXX XXXX XXXX XXXXver XXXX has me at a score around XXXX. 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 XXXX XXXX XXXX XXXX XXXX XXXXs 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 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 XXXX 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 XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Hi I am submitting this XXXX XXXX without 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 XXXX has me at a score around XXXX. 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 XXXX 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 XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian has verified this debt as accurate when they are the only bureau reporting this debt the other two bureaus did not have the proof from a proper investogation to validate this debt and therefore needs to be deleted the accout off my credit report. which is a fcra violation of inaacurate information and unverified debts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I expected a transfer to me from ZELLE. 
The person sending said I was not enrolled, and they couldn't send. 
I called the ZELLE number on the internet page. 
A man with a heavy XXXX accent told me to hold on while he called me from another line. 
He said my account was locked and he could unlock it if I gave him the bank account number. 
I DID NOT give Him anything, I hung up and went to my back and found there was NO issue. 
The BAD guys phone numbers are ; XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Credit Management Inc. ( MCM ) at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX has been sending me collection notices in the amount of {$460.00}. The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. I sent out a debt validation letter XXXX XXXX to XXXX and XXXX and a debt validation letter to Midland Credit Management on XXXX XXXX. I received a letter from the collection agency ( MCM ) XX/XX/XXXX, XXXX and XXXX ( XX/XX/XXXX ) stating that the debt was verified but they have not disclosed how the account was verified. Also i know that an investigation wasn't done because according to 15 usc 1681a ( e ) they didn't do any interviews with anyone associated to the consumer ( me ) .However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Credit Collection Services is claiming that I owe a debt of {$330.00} from XXXX. I have no knowledge of this account. I have contacted Credit Collection Services multiple times asking that they send me verification that I owe this debt. They have not been able to provide me with verification or validation that I owe any debt to them. 

I have also contacted XXXX to dispute this debt and have it removed from my account. XXXX has not removed the account but instead allowed the collection company to continually update the balance date every time I dispute instead of requiring them to remove the debt from my account. 

This process has been very frustrating and I do not feel that XXXX is doing anything to help me as the consumer in this case. It seems more like they are working on behalf of the collection company instead of me, the consumer.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Choice Recovery, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX To Whom It May Concern : You are reporting and publishing inaccurate information ( tradeline ) AND ( inquires ) in your consumer reports allegedly concerning me. Your conduct has caused me a lot of distress and financially harmed me with out-of-pocket costs and loss opportunities. 

The following account you are publishing about me is inaccurate because under 15 USC 1692 you are in violation of my consumer rights. 


CHOICE RECOVERY XXXX I request that you delete the above-listed tradeline, inquires and provide me an updated copy of my consumer report. Inform anyone that you reported the deleted information to that it has been properly deleted. If you conclude that the tradeline item is verified, I request details of your method of verification under 15 USC 1692g. 

For identification purposes, my social security # is XXXX and my date of birth is XX/XX/XXXX. I am enclosing a copy of my identification as proof of identity and mailing address. 

In addition, I request a description of the procedure used to determine the accuracy and completeness of the information of the above-listed disputed information that you included in a consumer report that you prepared and published about me, including, but not limited to, the business name and address of all furnishers of information contacted in connection with such information and the telephone number of such furnishers when you initially prepared the consumer report with the information, investigated the data, and reinvestigated it due to my current dispute. 

Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Therefore, I request that any future inclusion of consumer information concerning me be sent to me first for my review before you prepare and publish any information in a consumer report about me so that I can confirm the accuracy and completeness of the same. 

Your prompt attention to this important matter is requested in compliance with federal law. Everything stated above is under the penalty of perjury and the other specific language that accompanies this letter. 

Regards, XXXX XXXX XXXX --

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I had fraudulent charges in my Bank of America debit card and BBnT business card and Bank of America credit card. Transaction was I believe XXXX from XXXX in XXXX Nc. I dont live in XXXX  nor did i go to XXXX XXXX XXXX done on XX/XX/2022. I got a phone call from BofA Wednesday morning saying they blocked my debit card for suspicious charge. They asked if I made transaction I said no. They said transaction was declined and blocked card and issued new card. Same transaction was done 4 time on business card I was an authorized signer in. My boss at the time filed a fraud claim with bbnt for those transactions. 

I didnt check my wallet because I was home XXXX XXXX XXXX and didnt need to purchase anything. On Thursday I went to my grocery store and realized I didnt have my debit card ( bc new one was being sent out ) realized I was missing my business card, debit card, and multiple gift cards. I took my CC and it was declined. I called BofA and they said I was over my limit because of a XXXX transaction. I told them that wasnt me.. it was fraud also tried in my debit card and it was done and approved on my business card that had a fraud claim with that financial institution. 

Bank of America denied claim saying it was done with my chip. I refilled claim saying it was fraudulent. They never communicated with me on the second claim. Its 5 months later they still denied claim saying it was done with PIN number and chip. No one has access to my information. I was not in XXXX Nc at XXXX. I did not order anything from XXXX online. I was home. And Bank of America refuses to file this as a fraudulent transaction. I work at XXXX XXXX and have filed claims for XXXX for the same amount as fraudulent transactions. Ive had neighbors who had had their car broken into and had the same fraudulent charge on their card. I fully believe someone broke into my car and I didnt know until days later. The point is I am not paying for a fraudulent transaction and Bank of America refuses to show empathy, acknowledge the situation, provide a resolution. Bank of America refuses to even take my complaint on their process and I need a resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief