vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-25 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: FL

Complaint narrative:
I know that under XXXX XXXX XXXX XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) in general, if after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information as appropriate based on the results of the reinvestigation and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2021-12-25 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: FL

Complaint narrative:
I know that under XXXX XXXX XXXX XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) in general, if after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( XXXX  ) promptly delete that item of information from the file of the consumer or modify that item of information as appropriate based on the results of the reinvestigation and ( XXXX ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2021-12-25 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: TN

Complaint narrative:
Had XXXX XXXX  put the same account on my report XXXX separate times at the same time for XXXX account. I called them and paid what the XXXX company didnt back in 2019. XXXX and XXXX took it right off. Eqifax refuses to and the last time told me to call the police and file charges. What that isnt possible when its not a fraudulent item. They now have an account showing late that was paid in full XX/XX/XXXX and refinanced with never having a late payment. Eqifax says I missed my XXXX payment and I had already made a payment to the new creditor in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Comenity Bank ( XXXX XXXX ) on numerous occasions has charged me {$2.00} " fee '' on a XXXX balance, never sent a bill or notified me. Then charged a {$35.00} dollar late on a XXXX XXXX. I have since closed the account and will close all accounts with these scumbags.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I have been requesting, since XX/XX/2021, verification of this alleged debt that TARGET TD claim I owe and which they are reporting on my credit files. However, this company has failed to obtain and send me legal verification as mandated by the law. Furthermore, I have requested verification and validation, several times, directly through each of the Credit Reporting Repositories and each time they have reported that they electronically verified the accuracy of these alleged claims through their automated systems, yet they failed to do so for me... why is that. They never send documents to validate it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-25 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: CA

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

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 2021-12-25 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: CA

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

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 2021-12-25 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: CA

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: VA

Complaint narrative:
Inquired about loan forgiviness as I qualify due to school closing, sent packet off certified no response or reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
On XX/XX/XXXX I made a XXXX transfer from my Ally bank account to a payee who has a bank account at XXXX XXXX. On XX/XX/XXXX I received a confirmation from Ally that the credit to the person was processed, however according to XXXX XXXX the money has not arrived. I tried to contact Ally customer service several times and they say that their part is done. When the other person contacts his bank they say the money has not arrived, which means the money seems to be lost and now I will have financial burden as I will have to make another transfer.

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 2021-12-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I have never done business with this company but they are saying i owe money to them but i do not and they are reporting collections on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LTD Financial Services, L.P.
State: MS

Complaint narrative:
On XX/XX/XXXX XXXX I received a response regarding another complaint at which I submitted about this company. It stated they will stop all attempts to collect until proof of debt is provided. Proof has not been provided but the debt is still attempting to be collected. Once on XX/XX/XXXX at 2021 at XXXX and once again at XX/XX/XXXX at XXXX am. I do not owe this debt. This debt has been paid and has been reported as such to XXXX XXXX by XXXX XXXX the company whom LTD financial is claiming to represent. The debt was paid as agreed and I gave bank statements and a copy of the report submitted by XXXX to XXXX. This company continues to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 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: R.M. Galicia, Inc.
State: FL

Complaint narrative:
At the time of my Emergency visit to the hospital I had insurance at the time there should be no reason whats so ever to have a balance owed. This is affecting my my credit real bad and Im suffering because someone isnt doing there job right so I demand this to be taken off my credit report immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-25 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: U.S. BANCORP
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
On XX/XX/2021, purchased two electronic books and unable to retrieve the books for flipping of pages. I stayed on the phone trying to get resolution. But I now want a refund as I am unable to utilize the books electronically. At this point I attempted to reach out but no response and I want a refund for the purchase. I thought the books were able to heard audibly so I want to return order XXXX. I was told I could not make it audible so I want to return the electronic one, If I can not listen to the book then I want to return it

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 2021-12-25 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: Forest Recovery Services LLC
State: FL

Complaint narrative:
At the time of my Emergency visit to the hospital I had insurance at the time there should be no reason whats so ever to have a balance owed. This is affecting my my credit real bad and Im suffering because someone isnt doing there job right so I demand this to be taken off my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 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: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
At the time of my Emergency visit to the hospital I had insurance at the time there should be no reason whats so ever to have a balance owed. This is affecting my my credit real bad and Im suffering because someone isnt doing there job right so I demand this to be taken off my credit report immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did a complaint with the CFPB on XX/XX/XXXX regarding XXXX XXXX the dispute in progress was completed on XX/XX/XXXX, I got a alert message from XXXX XXXX that the account was removed I also have attach pictures of that, I go back on Equifax website showing that they updated the information on XXXX XXXX and the account stating it still belongs to me which is incorrect fraudulent information. I dispute again on CFPB website because they are still reporting this information on my credit report and it is fraudulent activity I submit a complaint on XX/XX/XXXX it was compleated on XX/XX/XXXX and it also dropped my credit score XXXX points on XXXX XXXX but showing XXXX on Equifax website.I would like to dispute this information they reported XXXX XXXX two times on my credit report and the inquiries dropped my score. I need to dispute the score decrease on my credit report and multiple times of Equifax reporting XXXX XXXX twice on my credit report and decrease of my credit score. When XXXX Was delete it once before and it appear back on my credit report then after the dispute they completed the same day within a 24 hour period and it also reporting again on my credit report and dropped my credit score tremendously by XXXX XXXX points this is fraudulent activity that is going on with my credit report. Im one of the victims of the Equifax data breach settlement lawsuit I also have attachments of that. I am trying to resolve this matter regarding XXXX XXXX on my credit report and now that my credit report has decreased in the score tremendously XXXX XXXX points is in accurate It dropped my credit score tremendously when it should not have dropped my score when fraudulent activity reporting on my credit report, Equifax report the same inquiry again on my credit report and my credit score dropped XXXX points when it shouldve never been reported the same inaccurate fraudulent Account with XXXX XXXX XXXX would like XXXX XXXX removed from my credit report it should not be reporting multiple times my credit score decreased. I want my credit score back to where it was it was at a XXXX was my credit score and now my credit score is decreased tremendously by Equifax reporting the same fraudulent activity again on my credit report with XXXX XXXX that is showing on my credit Report as a update and then once it was removed it appears back on my credit report and had drop my credit score by XXXX point after reporting The same fraudulent activity on my credit report again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
My credit report monitoring company informed me that on XX/XX/2021 a chacking accou t was openedon my behalf. This was done at a TD Bank branch located at XXXX XXXX XXXX, XXXX, SC XXXX. This although all my credit and Social Security Number are frozen or locked. I have not opened any accounts at this branch or any other TD Bank branch.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
this is my third complaint. I contacted them XX/XX/XXXX via email to XXXX I sent them a PDF showing that I had paid. 
I did not receive a response. 
I did not look at the XXXX statement ( electronic ) because I thought it didn't reflect the last payment. 
I received a XXXX statement with a host of late fees. which is peculiar for something that was paid in full 2 months before I spent this morning going through each statement and found that my payments showed I was paid in full. 
I discount any and all late charges, it is a 24 month loan and I paid ahead ( I guess that is my sin, trying to pay early ) I expanded my spreadsheet because I found that although the statements show all my payments, their transaction history omits 6 payments from XX/XX/XXXX through XXXX/XXXX/XXXX and the last payment XX/XX/XXXX my bank statements show the funds being transferred

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 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:
For several months, I have repeatedly asked Equifax Information Services XXXX XXXX, XXXX and XXXX to objectively resolve my credit issues relative to the hard inquiries which shouldve been reported as promotional or soft inquiries. I have reached out to the respected companies but of to no avail. I have only authorized soft/promotional inquiries and the unduly hard inquiries constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please coordinate with the companies to REMOVE/DELETE these inquiries from my credit file as I have not signed any applications for credit. I have also asked in addition of their investigation to please send me the nature in how they conducted the investigation to determine and prove the validity of these inquiries. 
Inquiries are a factual record of file access, and it is the credit bureaus that are reporting these unverifiable requests for my credit. I have been instructed to work with XXXX and XXXX XXXX XXXX located at : XXXX XXXX XXXX, XXXX Floor, XXXX, TN XXXX, that will also assist with this process if the inquiries are not promptly removed. I fully understand that my rights, according to the [ 15 U.S. Code 1681b ] 604, were violated and that these inquiries need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC
State: TX

Complaint narrative:
I have completed the agreement with this company and they still have deleted the collection account on my credit report, as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 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:
For several months, I have repeatedly asked XXXX Information Services XXXX XXXX, Transunion and XXXX to objectively resolve my credit issues relative to the hard inquiries which shouldve been reported as promotional or soft inquiries. I have reached out to the respected companies but of to no avail. I have only authorized soft/promotional inquiries and the unduly hard inquiries constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please coordinate with the companies to REMOVE/DELETE these inquiries from my credit file as I have not signed any applications for credit. I have also asked in addition of their investigation to please send me the nature in how they conducted the investigation to determine and prove the validity of these inquiries. 
Inquiries are a factual record of file access, and it is the credit bureaus that are reporting these unverifiable requests for my credit. I have been instructed to work with XXXX and XXXX XXXX XXXX located at : XXXX XXXX XXXX, XXXX Floor, XXXX, TN XXXX, that will also assist with this process if the inquiries are not promptly removed. I fully understand that my rights, according to the [ 15 U.S. Code 1681b ] 604, were violated and that these inquiries need to be removed 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 2021-12-25 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: MS

Complaint narrative:
For several months, I have repeatedly asked XXXX XXXX XXXX XXXX XXXX, XXXX and Experian to objectively resolve my credit issues relative to the hard inquiries which shouldve been reported as promotional or soft inquiries. I have reached out to the respected companies but of to no avail. I have only authorized soft/promotional inquiries and the unduly hard inquiries constitutes a violation of my rights under the Fair Credit Reporting Act XXXX as well as a violation of my rights to privacy. Please coordinate with the companies to REMOVE/DELETE these inquiries from my credit file as I have not signed any applications for credit. I have also asked in addition of their investigation to please send me the nature in how they conducted the investigation to determine and prove the validity of these inquiries. 
Inquiries are a factual record of file access, and it is the credit bureaus that are reporting these unverifiable requests for my credit. I have been instructed to work with XXXX and XXXX XXXX XXXX located at : XXXX XXXX XXXX, XXXX XXXX, XXXX, TN XXXX, that will also assist with this process if the inquiries are not promptly removed. I fully understand that my rights, according to the [ 15 U.S. Code 1681b ] 604, were violated and that these inquiries need to be removed 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