vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-07 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I have disputed the same XXXX XXXX account with Equifax multiple times as this account has been closed for over 4 years and they are illegally reporting it as open. I filed a complaint with the CFPB in XX/XX/2021 ( XXXX ) again about this account as it had sat in dispute status for over 2 years with no resolution. Equifax stated they would request information from the furnishing company to resolve the dispute and the CFPB closed the case. It has been over 7 months now and this account is still being reported by Equifax as open and being disputed. Equifax continues to violate Section 313b of the FACT Act and by law are to delete this account or face financial fines and penalties for their failure to provide accurate and current information and to resolve this issue within 45 days. Both the XXXX  and the CFPB continue to let this company get by with merely stating they will check with their data supplier and are not holding this company accountable for their failure to follow the law. This can not be attributed to any COVID issues either as it has been in dispute for almost 3 years. The XXXX XXXX account needs to be deleted now or I am requesting this company be held liable for their violation to the full extent of the law and all accompanying fines and penalties for their willful neglect to follow it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: U.S. BANCORP
State: CA

Complaint narrative:
Dear CFPB, If this wasn't happening to me then I honestly wouldn't believe it. I have been a loyal card holder of my XXXX credit card plus I drive an XXXX XXXX. Both items have never been late but for some strange reason I receive a threatening letter from XXXX card member services on XX/XX/2021 indicating in a letter format that because my account is currently inactive for non using my " XXXX BALANCE '' credit card during covid ( which I purposely did not use because I didn't want any debt because of these uncertain times ) ... the letter plainly stated I was a credit risk. 

In fact the letter says : The primary reason for this decision were - * Account is currently inactive The letter from Card member services went on to say that my good standing credit card would have its balance reduced from {$2500.00} to {$500.00} which ultimately would affect my credit score " SEVERELY '. And it did. I received a credit alert notice from XXXX  today stating my credit score had dropped 10 points because of the reduction in this credit balance.

Cardmember services indicated in its letter that there decision was based on a credit report they pulled from XXXX  ( when I did not authorize this nor was I credit risk ) so this was pulled fraudulently and maliciously. I feel they are targeting there XXXX American base of clients with this redlining process they are implementing. if I had a high credit limit, was late multiple times or behind on a current payment then I would understand the retaliation but thats not the case here. 

I have a " XXXX BALANCE '' credit card in impeccable standing and as a consumer I am choosing not to use it unless its for emergencies just like the rest of the population - preferably XXXX. 

I always maintain a credit score somewhere between XXXX to XXXX but even in this situation I still had a high score considering the national average. I have attached a copy of my credit score from XXXX  which I'm a member of XXXX XXXX and I monitor my credit like a hawk so for this to happen and get punished for actually having a pro balance during one of the bleakest periods in history for mankind is really scary that Cardmember service is taking this bold move to harass, punish and push its members to run up debt to appease its shareholders is absolutely pathetic to say the least.

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 2021-08-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: DMI America Inc
State: FL

Complaint narrative:
This XXXX and his entire family. MBN Mortgage Inc . 
XXXX - XXXX XXXX XXXX XXXX # XXXX This family is the realtor, the lender, the XXXX and the attorney they use. They are all doing predatory loans. 
They charged over {$9000.00} in mortgage origination fees. They charge transaction fees and when confronted move that money to the origination fees. The loan was VA for {$370000.00}. The interest rate was over 4 %. They told the buyer to backdate disclosures she was never given until day of closing because they didnt want her to see the disgusting ways they were quite literally robbing her. 
A XXXX vet with XXXX kids. It's absolutely disgusting. They refused to fix anything. I would suggest auditing EVERY SINGLE FILE they have ever closed because they are not afraid of being caught.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 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: GA

Complaint narrative:
I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted.
Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
My name is XXXX XXXX XXXX.I have been fighting with Credit Control Corp about a collection that has been on my credit report. The original creditor is XXXX XXXX  XXXX. The original date was XX/XX/XXXX. The past due balance is {$77000.00} This bill does not belong to me. My deceased husband was taken to that hospital when he had a XXXX. I have never been a patient at XXXX XXXX  XXXX. My husband died on XX/XX/XXXX, 2 months after his hospital stay at XXXX XXXX. I have called the billing department on numerous occasions trying to resolve this issue. I have also submitted disputes on this matter with no resolution. No bills have ever been mailed to my home from XXXX XXXX  or Credit Control Corp with the amount {$77000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Credit Services Inc.
State: TX

Complaint narrative:
One year ago I received a notice of collection from First Credit Services in XXXX NJ, for a debt of {$110.00} to XXXX XXXX XXXX 

I have received 3 letters, each one after I responded requesting proof, because I do not or did not have a membership with this gym. I was sent a contract with a different signature, and it is a corporate account for a company I do not recognize.

I have repeatedly stated to them this is not my contractor and they willfully continue to misrepresent the facts.

Its also reached the point of harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
So XX/XX/2021 I got an email stating I opened a XXXX XXXX account, I have never requested an account ( checking account ) so I called experian, and XXXX and had fraud alerts and securities placed on my account. For experian im actually paying for it XXXX $ monthly and i was actually charged the other day. Today XX/XX/2021 I got another email from experian stating XXXX XXXX checking account has been opened in my name also. How is this possible if I had security alerts and fraud securities placed on MY account? How is this possible. It means someone is allowing people to take out fraudulent accounts in my name. I'm very angry this happened. I need something done now. So again today, hours of being on hold with XXXX  and XXXX and again experian and they say my credit is secured? How someone opened another account in my name. Please helo

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 2021-08-07 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: MS

Complaint narrative:
Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX Balance : {$3500.00} This is a formal complaint against XXXX  , XXXX  , and TransUnion . They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors. 

For one, I have requested re-investigation and verification of items which they are reporting in my file. They claim to have verified these accounts but it's all electronic and therefore, they never even speak with anyone to conduct a reasonable investigation as mandated by law. 

I have also disputed this account directly with the furnishers - XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX, they keep sending me the same letter response every time. They can not provide any legitimate proof that this debt is indeed accurate and correct as they claim and as it shows in my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I, XXXX XXXX entered into a consumer credit transaction with XXXX XXXX of XXXX XXXX on XX/XX/2019. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The Finance charge is supposed to include insurance, but XXXX XXXX XXXX XXXX XXXX made me purchase insurance separately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc.
State: TX

Complaint narrative:
I have checked my account and on my credit report they show a balance of {$1700.00} owing on my account when I actually owe {$610.00} on the account. I have called and to no avail no one was willing to assist me in correcting this accounting error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 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: MS

Complaint narrative:
Account Name : XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX Balance : {$3500.00} This is a formal complaint against Equifax , XXXX  , and XXXX  . They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors. 

For one, I have requested re-investigation and verification of items which they are reporting in my file. They claim to have verified these accounts but it's all electronic and therefore, they never even speak with anyone to conduct a reasonable investigation as mandated by law. 

I have also disputed this account directly with the furnishers - XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX, they keep sending me the same letter response every time. They can not provide any legitimate proof that this debt is indeed accurate and correct as they claim and as it shows in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FCI Lender Services Inc.
State: CA

Complaint narrative:
FCI Lender Services posted a new late charge which by 10 % higher than Regular interest charge at original 9.99 %. Therefore they charged me at total of 19.99 % as a excessive interest which unreasonable. I would dispute on this charge. on XX/XX/2021 Previously on XX/XX/XXXX. another 19.99 % late charge applied to my statement which was not reasonable and unfair charge I would dispute this amount this charge. 

FCI Lender Service Contact Info : FCI Lender Services , Inc. dba FCI XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Toll Free Main Line : ( XXXX ) XXXX, Phone : ( XXXX ) XXXX Loan Servicing Fax : ( XXXX ) XXXX, Specialty Servicing Fax : ( XXXX ) XXXX Business Hours : XXXX XXXX  to XXXX XXXX  PT, Monday through Friday XXXX XXXX Licensing System # XXXX | CA DRE # 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 2021-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have checked my account and on my credit report they show a balance of {$1700.00} owing on my account when I actually owe {$610.00} on the account. I have called and to no avail no one was willing to assist me in correcting this accounting error.

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 2021-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have checked my account and on my credit report they show a balance of {$1700.00} owing on my account when I actually owe {$610.00} on the account. I have called and to no avail no one was willing to assist me in correcting this accounting error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have checked my account and on my credit report they show a balance of {$1700.00} owing on my account when I actually owe {$610.00} on the account. I have called and to no avail no one was willing to assist me in correcting this accounting error.

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 2021-08-07 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
i request a debt vaildation from this company with no response i sent certified mail

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 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: DC

Complaint narrative:
On XX/XX/XXXX I sent a certified mail return receipt letter to both XXXX and Equifax pursuant to my consumer rights listed in the Fair Credit Reporting Act. I have called and used mobile apps to submit disputes to no avail and my consumer rights were violated. Per the Fair Credit Reporting Act 15 USC 1681a ( 4 ) the consumer has a right to privacy and both XXXX  and Equifax have violated that right. Written consent was not given to either company to harness my personal identifying information which includes my credit card account ( social security ). XXXX  and Equifax are not government agencies and have a grave responsibility to the fairness, equity, and respect to a consumer. Also, per the Fair Credit Reporting Act, 15 USC 1681a. ( 2 ). ( b ) - any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; shall be excluded from the consumer report. Both Experian and Equifax are in violation of 15 USC 1681a. ( 2 ). ( b ) for having these extensions of credit listed on a consumer report. To further attached to this complaint are my written instructions as they pertain to me, the consumer, pursuant to 15 USC 1681b. ( 2 ). To further all items listed on the consumer report for me, XXXX XXXX, stated that the companies are the creditors which is false and misleading as I am the creditor per the Fair Debt Collections Practices Act. I demand all of my information be removed from the systems of both XXXX  and Equifax. Lastly when I submitted a request for deletion before the account was returned as verified. Per the Fair Credit Reporting Act who was interviewed to verify any first hand knowledge of accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Addresses and name on my credit report are incorrect. I do not live, or have i lived at those addresses. I will attach proof of my electric bill, showing my name and address. i do not live in Michigan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Addresses and name on my credit report are incorrect. I do not live, or have i lived at those addresses. I will attach proof of my electric bill, showing my name and address. i do not live in Michigan.

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 2021-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have an unauthorized inquiry from equifax XXXX  on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 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: TX

Complaint narrative:
Transunion had my profile in a special department that they will not explain. I have no idea what this department is nor am I able to get in contact with any representative via phone. I have left voicemails and never received a call back. I am unable to dispute via phone because of this issue. No representative can explain this special dept Im in. 

I have sent letters to dispute the incorrect information showing on my credit report. Transunion continue to respond with a copy of my credit report. 

I can not dispute via phone. 
I can not dispute via Mail. 

The company claims in response to my complaint that on XX/XX/21 I called and had an inquiry removed via phone. I have never received any correspondence in regards to this not have any representative given me the opportunity to dispute anything on my credit report. 

FCRA states I have this right.

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