vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-24 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: WA

Complaint narrative:
To whom it may concern, XXXX XXXX XXXX I have received a copy of my consumer report, i noticed late payments posted on my consumer report In reference to above account XXXX XXXX. Your company is in clear violation of the law by posting late payments. THE FAIR CREDIT REPORTING ACT 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete all late payments from the above account. I do not consent to e-oscar or any automated means of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: IL

Complaint narrative:
I did not consent nor authorize any person nor company to benefit from my credit. The account listed below is a result of identity theft. 

Account name Account number XXXXXXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-01-24 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: IL

Complaint narrative:
I did not consent nor authorize any person or company to benefit from my credit. As a consumer I requested proof of claim for the account listed below and the company failed to answer my request. 

Account Name. Account number US Dept ED 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 non-monetary relief
Consumer complaint received 2022-01-24 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: IL

Complaint narrative:
I did not consent nor authorize any person or company to benefit from my credit. As a consumer I requested proof of claim for the account listed below and the company failed to answer my request. 

Account Name. Account number XXXX 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 2022-01-24 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: NJ

Complaint narrative:
TransUnion did not investigate a problem I have with 2 collections on my report. The info from those collections are incorrect and must be removed. I have tried numerous times through last year to get these removed. Both accounts are in violation of fair credit laws.

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 2022-01-24 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: IL

Complaint narrative:
I did not consent nor authorize any person nor company to benefit from my credit. The account listed below is a result of identity theft. 

Account name Account number XXXXXXXX XXXX XXXX XXXX XXXXXXXX

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 2022-01-24 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
The account listed below are inaccurate. I did not consent to have the accounts listed on my report. 

Account Name Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX real XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
PLEASE DO NOT CLOSE THIS COMPLAINT. I spoke w/ a representative from the CFPB because your email to me stated ; " call us if you have new information or a recurring problem. '' Well I do & your rep I spoke to said to put another complaint in & let you know I need your help so please don't close this complaint. This is in reference to complaint # : XXXX. Chase bank is still allowing charges to come thru on my account even tho I'm opted out of over-draft protection, causing my account to be negative- {$820.00}. In their reply to my first complaint they lied, they stated these debit card transactions they've allowed thru & paid were recurring charges & and therefore don't fall under being opted out of over-draft protection, but they are NOT recurring, not at all. They are random charges for different amounts & to various different companies. And they're still even today paying charges on the account causing it to go even further negative. None of these charges should have been paid and my account shouldn't be negative. All they did in regards w/ my first complaint was award a " monetary '' amount of {$250.00} for NSF 's they charged me because of all the charges they paid but shouldn't have. I shouldn't have to pay for their mistakes or bad practices. Please they need to be held accountable & I need the CFPB 's true intervention to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
The account listed below are inaccurate. I did not consent to have the accounts listed on my report. 

Account Name Account Number XXXX XXXX US Dept ED XXXX DeptedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-01-24 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: TN

Complaint narrative:
The account listed below are inaccurate. I did not consent to have the accounts listed on my report. 

Account Name Account Number XXXX XXXX US Dept ED XXXX DeptedXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
Continuing to call back to back telling me I could be arrested and theyll file charges due to a charge from when I filed bankruptcy. The charge was included in my bankruptcy. Also threatened to call my job. 

Transcript of voicemail left by this company. 
________ ____ __ ____________ ____ is XXXX XXXX I'll give you a ________ call __________ some return bottles of TCF national bank on ___ phone I'll call him send this out __ three counts against you the pin allegation of _____ by deception XXXX XXXX __________ __ _____ by deception to XXXX bank potentially trying to fly __ ____ __ __ ____ I'm a _______ ____ _ ______________ for the client to move forward ____ ____ _________

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: IL

Complaint narrative:
I did not consent or authorize any person or company to benefit from my credit nor report the account on my report Account Name Account Number 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 2022-01-24 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: IL

Complaint narrative:
I did not consent or authorize any person or company to benefit from my credit nor report the account on my report Account Name Account XXXX 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 non-monetary relief
Consumer complaint received 2022-01-24 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: IL

Complaint narrative:
I did not consent or authorize any person or company to benefit from my credit nor report the account on my report Account Name Account XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Independent Recovery Resources, Inc.
State: NY

Complaint narrative:
XXXXndependent Recovery Resources herein IRR, was notified multiple time both by mail from the court, personal email, and by dispute with XXXX that the debt listed by their company was no longer valid and discharged in bankruptcy. Despite these notices IRR continues to inaccurately report this discharged debt as letting in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XXXX XXXX I settled my account with XXXX confirmation number I was given is : XXXX. I was told that my items on the report would be removed with the XXXX XXXX reporting. Instead I received an alert that XXXX reported a " high balance '' and my credit score dropped. I called both XXXX and the credit bureaus to correct this and both pointing a finger at each other saying there is nothing they can do.

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 2022-01-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
XXXX XXXX In Store Order XXXX Order For Purchase Total XXXX Promised 24 Mo Finance , Recended, Pay In Full HAVE NOT RECIEVED ITEMS PURCHASED CONTACTED XXXX XXXX CITIBANK / Told To Pay In Full XXXX XXXX  Customer Service Will Do Nothing CITIANK FRAUD / XXXX XXXX  FRAUD

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 2022-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XXXX XXXX I settled my account with XXXX confirmation number I was given is : XXXX. I was told that my items on the report would be removed with the XXXX XXXX reporting. Instead I received an alert that XXXX reported a " high balance '' and my credit score dropped. I called both XXXX and the credit bureaus to correct this and both pointing a finger at each other saying there is nothing they can do.

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 2022-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX Bankruptcy Case Number : XXXX Remove this Bankruptcy from my Public record XXXX XXXX Bankruptcy Case Number : XXXX Remove this Bankruptcy from my Public record

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 2022-01-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: IN

Complaint narrative:
Back in and around XXXX or XXXX i was suppose attend school at XXXX  in Indiana so i was looking for an apartment. At the time i was XXXX XXXX XXXX not truly knowing how this apartment stuff work so i was applying at different apartments before i was approved for financial aid but i didnt get approved. One of the apartments was XXXX apartments in XXXX XXXX. I explain my situation to them and they told me that was fine and just sign some papers to hold the apartment just in case i got approved well i didnt so i never moved in the apartment. Years later i find out i have a debt to them for {$6400.00} for an apartment i never moved in which is causing me to be homeless now because its stopping me from getting my own place in my name as an true adult. I tried to reach out to them but no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: FL

Complaint narrative:
On XX/XX/2021, I send a dispute letter to Equifax Information Services LLC requesting verification or a contract with my signature showing as proof that I legally responsible for the account from XXXX XXXX XXXX with debt of XXXX, XXXX that is inaccurately reporting on my credit report. By law they have 15 days to respond to me with proof I did not receive any verification. XXXX XXXX XXXX Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: IN

Complaint narrative:
Additional information Hello I would like to know from Freedom Mortgage why won't y'all release my mortgage to the XXXX XXXX XXXX  to refinance my mortgage. What are your reasons for not releasing my mortgage at this time

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 2022-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
At first I owed XXXX then I paid it down to XXXX now they are stating I owe XXXX again and they are even writing my old address. So that it has to be forwarded to me by my old landlord.its by resurgent capital services

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: FL

Complaint narrative:
Best Buy fraudulent purchases totalling {$6100.00}. These purchases were charged around XXXX 2021. I have called Best Buy a couple different times as soon as the bill arrived in the Usps mail. They assured me i did 't have to pay, ( thr fraud dept. ) but i am still getting letters, statements, and more recently, a XXXX express envelope from the bank ( suppposedly ) that issues the Best Buy credit card. I also put a fraud Alert on my credit report. I also, had a similiar fraud experience with Macy 's. I am in the process of handling this with their fraud dept. too, this also was identity theft and the imposter bounced from store to store across XXXX XXXX charging stuff.

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 monetary relief
Consumer complaint received 2022-01-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
We were getting a HELOC with a {$100000.00} withdrawal at closing. However, we were scheduled to have a mobile notary on XX/XX/2022 but had to cancel due to illness from XXXX. 

On XX/XX/2022 I noticed that I had an extra {$100000.00} in my account. Again I never signed anything related to this loan and had no idea why this went through. On the same day I contacted the bank and spoke to XXXX different people and was on the phone with them for over XXXX hours. 

The last person I spoke with said that someone would call me back in XXXX hours. A few hours later someone called and said for me not to touch the money and he will call me back on Monday. He also said that he was just going to back out the transaction and have me sign for the HELOC. 

I told him that I want to know what happened before I sign papers for this loan. I also asked him if this issue would be self reported to a government agency and never received a clear answer. 

At this point I have some concerns moving forward with this loan but Bank of America seems only concerned that I do not spend any of the money. Not once did anyone from the bank apologize for this issue.

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 2022-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
we have been in the XXXX XXXX since XX/XX/2021 and our arrival in that country has not been pleasant with robbery, etc. We have been robbed at our XXXX and we were refunded and were able to get another safer XXXX. We made contact with the local police and they just only came over to see what happened, they have no computer to write up an incident report the only thing they said is that be careful and they will keep on investigating around town. Now, come to find out that these individuals cops have their crooks working for them and they have fake cards that they can duplicate your cards. I did some research and on XXXX, they were the same kind of operation that dismantled a gang of credit card fraud. I only used my card for hotel stays and be live resorts and transactions in the united states. I never made any atm withdrawal or withdrawal at a casino. they need to show me proof of my signature and my passport number because if you are taking the money you need your passport and your signature. I need my money back. 

I have made several calls to Regions to let them know about the situation, I spoke with at least XXXX agents and I even gave them a local number to reach me for more support, they told me a supervisor will be in contact with me but he/she never did. Instead, they are being rude and not willing to help. I also have a loan with them and now they have caused my loan to be past due for two months due to the fraud that occurred in my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: LA

Complaint narrative:
I have been trying to get CFPB and Experian to correct the incorrect reporting of my Student loans as being late DEPT OF EDUCATION/XXXX Account number XXXX. I am NOT LATE as the CARES Act stimulated that the repayment will not be restarted until until the end of XX/XX/2022. Why Experian can not update as such. There is not real investigation needed because its common sense. The other two credit bureaus have updated their report so why can't Experian do the same. I am in the process of filing additional complaints with DOJ and Dept of Ed. As you know because of Experian incorrect reporting has hampered my ability to obtain a home loan because they see these late payments as a negative. Please correct or remove 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 explanation