vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-25 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 RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WAS AN ACCOUNT IS NOT MINE AND ACCOUNTS THAT WERE NEVER LATE. 

I ALSO NEED THE ACCOUNTS LISTED UNDER ACCOUNTS TO BE AMENDED TO HAVE THE LATE PAYMENT HISTORY AMENDED TO SHOW NEVER LATE OR PAID AS AGREED. 

THE ACCOUNT LISTED BELOW UNDER ACCOUNTS TO DELETE, IS NOT MY ACCOUNT. 

I HAVE SENT DISPUTE LETTERS ON XXXX BUT I DID NOT RECEIVE YOUR INVESTIGATIVE RESULTS REPORT UNTIL TO DATE. THE INVESTIGATIVE RESULTS REPORT WAS TO HAVE BEEN COMPLETED BY XXXX WHICH IS IN VIOLATION OF THE FCRA DEADLINE DATE TO RESPONSE GUIDELINES. YOUR FIRM COMMITTED A 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES.

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 2020-05-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
On the XXXX of, XXXX XXXX, was in process of ordering 2 pairs of XXXX XXXX sunglasses. During the second order that order was instantly swiftly taken from me on my computer and charged to, my Macy 's charge account which was a XXXX XXXX balance. I, had to stop and for the next while cancel the order. I, tried different ways to let them know. The employee 's were in. I, had paid the 1st. order with my debit card and that is what I was using with the 2nd. pair. When I, received my sunglasses I, received two. The second order address was to XXXX, Tennessee. The order was delivered to her the next day. The next morning I, was charged {$100.00} without my consent or, acknowledgement. Again after several attempts I, talked with the shysters. No remorse. They lied to me a few times and told me on XX/XX/20 XXXX would p/u.. It didn't happen nor on XX/XX/20 and the mistake they made has " bate and switch '' got my money free of charge! City Bank services Macy 's account. There is not a " dept. store service bank ''!. On XX/XX/20 my account still has my money. The cancelled order is still outside for p.u. since XX/XX/20 @ my expense. I, definitely want to be compensated. To me this is a Federal Offense. I, prefer charges be brought upon them. I, am filing a formal complaint and I, want charges brought against Macy 's employees that have been involved. 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 2020-05-25 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: FL

Complaint narrative:
I have Been A Victim of Identity. Someone has use my Identity with Out My Consent I did not Authorize anyone to open theses fraud accounts using my personal Information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have Been A Victim of Identity. Someone has use my Identity with Out My Consent I did not Authorize anyone to open theses fraud accounts using my personal Information

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 2020-05-25 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: NE

Complaint narrative:
I have the US Bank reliacard. It arrived XX/XX/XXXX and I registered my card by phone and set-up the online account the same day. I also set in place security questions for account recovery. However in the following days when I attempted to log in, the portal told me my login credentials were incorrect despite me entering the password and security questions to verify my identity. 

When I followed the steps to reset the password and regain access to my account, the temporary password that I entered got me locked out as a result of an apparent security measure and it directs me to " call the number on the back of your card '' when I attempt to call customer support to unlock the account, I'm told wait times are exceeding XXXX hour. 

I've called multiple times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX waiting for between XXXX minutes to XXXX hours on each occasion and still have had no success in regaining access to my account. The automated reset links that have been unsuccessful have been the only contact between me and the company up to this point..

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 2020-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AR Resources, Inc.
State: NY

Complaint narrative:
I'm a retired Vet with XXXX issues, I had insurance during this time and this bill was paid by my insurance company. AR RESOURCES is XXXX the system and never even contacted me by phone, or letter, or let me know it was going to collections. I never received any collection letters or calls. No warning. How do I even know it's mine? I have been on XXXX for my issues, so clearly I don't have the money. Also, now I am sick with XXXX  and was about to apply for a loan to take care of my family when I see that they put this collection on my credit reports during a time when the governor requested a moratorium on such actions during this pandemic. They were so spiteful and greedy, they put it on my credit reports in the middle of a crisis, on XX/XX/20. I want the negative info. removed from ALL of my credit reports ASAP or I will be seeing a lawyer + reporting to XXXX and other Federal agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have called Citibank twice now in last 6 months for Credit Line increase to my Best Buy Credit card account. 
Both times they have run Hard Credit Inquiries with out seeking permission from or prior approval from me. 
Yesterday when I called them on XX/XX/XXXX, they told me that Credit inquiry will not be made and then they made a Credit inquiry, after telling me that inquiry will not be made.

This is not good faith business practice.

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 2020-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: NJ

Complaint narrative:
I settled and paid off this account. I was told by the representative that the account would be removed in 2-3 weeks. Instead of removing the account, they updated an incorrect balance. 

Because of this, I have reached out to the collector multiple times regarding the matter. Which they apologized and promised to resolve the issue but still haven't done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: IL

Complaint narrative:
Since XX/XX/XXXX, BSI Financial Services received mortgage reinstatement payments and regular monthly payments they have failed to post to my mortgage account. 

Since XXXX XXXX assumed my mortgage note in XXXX, XXXX operate my 30 year fixed mortgage as an XXXX XXXX ; with negative amortization. 

XXXX XXXX is unjustifyably charging me for questionable fees ; including late fees. 

BSI Financial Services has blocked me from refinancing my home mortgage loan for lower interest rates as they have reported my account as deliquent and stated I was disputing the account. 

I have attached a letter of concern and supporting documents for your review and appreciate your assistance in restoring my mortgage account with BSI.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 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: TX

Complaint narrative:
print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute XXXX XXXX XXXXDispute

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 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: TX

Complaint narrative:
print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute XXXX XXXX XXXXDispute

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 2020-05-25 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: Nelnet, Inc.
State: TX

Complaint narrative:
print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute DEPT OF EDUCATION/NELNETDispute DEPT OF EDUCATION/NELNETDispute DEPT OF EDUCATION/NELNETDispute DEPT OF EDUCATION/NELNETDispute XXXX XXXX XXXXDispute

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CARD Corporation
State: FL

Complaint narrative:
I paid for transcations by other means and my prepaid card with Card.com was still charged. I orginally contacted the companies and was told I needed to file a dispute with my bank. I filed the dispute with card.com and even provided proof that I paid by other means. The company didn't look at the receipts or properly investigate, they just denied the claim. I know they didn't contact the companies because I was advised by the companies that they were never contacted. They do this every time and this time I'm contacting a lawyer. I've attached the receipts showing I paid by other means. My card.com ends in XXXX and the card that was used for the transactions which were also charged on the Card.com car do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 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: GA

Complaint narrative:
I submitted a complaint on XX/XX/XXXX to CFPB regarding unauthorized credit inquiries on my TransUnion credit file. TransUnion responded on XXXX stating they needed more time to investigate and would respond within 60 days. I got their response on XX/XX/XXXX that my complaint includes a dispute of information appearing on my credit file and that they would enter my dispute into the system. I have already disputed these items and never received any response from the company on the dispute which is why I filed a complaint. The items ( attached ) were disputed XX/XX/XXXX by certified mail to TransUnion. The reason that I filed a complaint was because they never deleted the disputed information nor gave an update on the disputed information which has been over 3 months ago now. There shouldn't have to open up another investigation to the same things Ive already disputed, as they shouldn't even still be on my credit file, and especially since it's been 3 months and I was never updated on the original dispute, and the information wasn't deleted after 30 days. I have also attached a copy of my original dispute with the companies ridiculous response to this complaint so they can make this make sense.

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 2020-05-25 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax is knowingly reporting negative information from the following creditors : XXXX XXXX : Despite the information in its entirety is inaccurate, outdated ( XXXX ) and unverifiable. I have requested to Equifax to have this information removed, corrected or validated, however, Equifax continues to knowingly report the information. For example, it reports that my last payment was in XXXX. This is incorrect, the last payment was made in XXXX and it went delinquent in XXXX and another activity has occurred since XXXX. 

XXXX XXXX XXXX : It is reporting as a charge off, however, this account was paid on time from XX/XX/XXXX to XX/XX/XXXX, at that time it was incorporated and paid through Chapter XXXX bankruptcy and recently it was discharged in Chapter XXXX bankruptcy Equifax is reporting the information being reported was updated and accurate as of XX/XX/XXXX. I have notified the reporting agency that they are reporting inaccurate information and I have asked them to verify the validity and description of the debt. Equifax continues to report the information has been verified and no changes will occur on my report. When I try to redispute it Equifax reports that I am disputing a previously disputed information and refuses to change it. 

XXXX ( XXXX ) : This information is also being reported inaccurate. It is being reported that the amount was charged off and the amount charged off is inaccurate. Equifax reported its accuracy as of XX/XX/XXXX. These account was discharged within my bankruptcy and is not charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2020-05-25 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: LA

Complaint narrative:
XXXX XXXX. A mortgage company checked my Transunion Credit report. 
Unbeknownst to me, there was an account added to collections, from a XXXX XXXX    XXXX XXXX for the amount of {$420.00}. 

I was very confused as I have NEVER done business with said company. Also the fact that Transunion blindly added this information to my report. 
I never once received any information in writing or phone call, in regards to knowing this debt ; that I might dispute within the 30 days that is legally required. 

I mailed out a certified letter to the collection company that is claiming I owe the debt, by the name of XXXX XXXX XXXX ; requesting VALIDATION NOT Verification, of the debt. 
They DID NOT respond. 
This DEBT IS FRAUDULENT and therefore should be removed from my TRANSUNION 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 2020-05-25 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: CREDIT ACCEPTANCE CORPORATION
State: AR

Complaint narrative:
Beginning in XX/XX/XXXX our payments have been showing delinquent even though our account is set on auto-pay through the bank. In XX/XX/XXXX we asked for a payment arrangement on our account due to having to have work done on our car. We were never told by Credit Acceptance Corporation that our account would be reported as past due because we requested a payment arrangement. When we pulled our credit report, it should that our payments are reporting past due every month from XX/XX/XXXX until this very day. We also notice that in XX/XX/XXXX when a payment arrangement was placed on the account it showed that we missed a payment. We were never told that payment arrangements would show our account as delinquent. We pay extra every month on our car note even before the payment arrangement was requested. Our payments are {$350.00} per month and we pay {$440.00} per month since XX/XX/XXXX. This is a joint account and it appears this way on both of our credit reports. This is preventing us from trading our car in or purchasing a new car.

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 2020-05-25 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information PO BOX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Automobile dealers, used Contact Information XXXX XXXX XXXX XXXX XXXX XXXX   CA XXXX ( XXXX ) XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX XXXX, CA XXXX BYMAILONLY inquiries Potentially Negative show tooltip button XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute U.S. DEPARTMENT OF EDUCATIONDispute U.S. DEPARTMENT OF EDUCATIONDispute XXXX 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 2020-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Automobile dealers, used Contact Information XXXX XXXX XXXX XXXX XXXX XXXX   CA XXXX ( XXXX ) XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX XXXX, CA XXXX BYMAILONLY inquiries Potentially Negative show tooltip button XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute U.S. DEPARTMENT OF EDUCATIONDispute U.S. DEPARTMENT OF EDUCATIONDispute XXXX 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