vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-24 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: FL

Complaint narrative:
I have already sent multiple requests on XX/XX/XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared and still continues on reporting unconfirmed information. Please update the following accounts completely from my Credit Report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove the following accounts completely from my Credit Report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
At the end of XX/XX/2021 my citi financial card was lost, and used. The card was at a zero balance prior to me losing it. I called and reported the card lost the moment I found out. Citi advised me NOT to make a payment during the investigation, and told me it will take only 2 weeks. That was 4 months ago. And they reported my account 120 days past due, RUINING MY CREDIT REPORT, I have spent HOURS TALKING TO OVER SEAS CUSTOMER SERVICE REPS THAT HANG UP ON ME, After promising return calls and resolve, NOT ONE TIME HAVE THEY ACTUALLY HELPED. I have called in at least 30 times and spent HOURS AT A TIME HOLDING AND EXPLAINING. I even reported to the credit bureaus but yet they havent been able to help either!

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 2022-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. I submitted a pre-approval application for a car loan with Capital One Auto Finance on XX/XX/2022. I was informed by Capital One that they were unable to provide me with an offer. I received an adverse action letter, as defined by 15 U.S. Code 1681m, stating that I was denied due to " excessive obligations in relation to income ''. As stated in 15 U.S. Code 1691 ( a ), it shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction. The adverse action letter that Capital One provided clearly demonstrates that I was discriminated against as a federally protected consumer. An adverse action, as defined in 15 U.S. Code 1691 ( d ) ( 6 ), is a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested. This further supports the fact that I was violated as a federally protected consumer under Title 15 Chapter 41 and that it is unlawful to deny me an extension of my own credit. It has been more than 30 days since I sent a letter to dispute this adverse action and I have yet heard from Capital One Auto Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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:
I have already sent multiple requests on XX/XX/XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please update the following accounts completely from my Credit Report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove the following accounts completely from my Credit Report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: IN

Complaint narrative:
Ive disputed these collections, sent letters to Wakefield asking to verify and validate the bills belonged to me they sent record of charges and nothing more, they are affecting My ability to move forward, I am constantly contacted by them by phone which caused me to send a no contact letter to them as well, the credit beauraus has failed to honor my disputes, I have no knowledge of these accounts. They also violated my rights by sending a medical packet with services and locations of services with drs names attached, when I did speak to a rep they harassed me about why I did not pay my bills, I was furious. I recently tried to purchase a vehicle in which the bank acknowledges Wakefield and associates on my credit file, this Company will not remove bc these accused debts! Please help me as a single Mother I am struggling to get my life in a order because of this third party company who claims these medical charges are mine!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Williams & Fudge, Inc
State: VA

Complaint narrative:
I was jotified of a collection on my credit report in XX/XX/2021. I contacted the collection agency for more information and determined that the debt was a result of identity theft and was referred back to the original creditor, XXXX XXXX, to dispute. I contacted their customer support via phone and was not adequately assisted. I have filed a police report regarding the identity theft. Yet XXXX XXXX will not assist me in removing the negative item

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: FL

Complaint narrative:
Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : XXXX 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 2022-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: AZ

Complaint narrative:
They closed one of my accounts with no balance on it due to inactivity. I have two accounts with them. One has a balance and one didn't. The last payment was made in XXXX of 2021 so the activity was less than a year ago. 

What they did is going to be very destructive to my debt to credit availability. It will cause my credit score to plummet. This is a snowball effect. Once this happens it will trigger other card to perhaps close accounts that I am not using and also cause other cards to lower my limit to my debt. This will send my credit score further plummeting. My current credit score is a XXXX. 

I rely highly on my credit as I am in real estate and work with lenders all of the time. I make my payments on my debt all of the time. I had a {$7800.00} credit limit with no debt on it. My card was not activated bc I didn't have it. There was no curtesy call, nothing. They emailed me XXXX hour before they closed. Then they say there is nothing they can do but have me reapply for credit. So I did. They denied me. Now I have another inquiry on my credit. 

They are going to cripple me for what I do in business by causing me a multitude of problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
To whom it may concern : I reached out to Target corporation asking if a late payment removal could be removed from my credit report and the representative told me there was nothing they could do without even looking into it. I have been a Target RedCard holder since XX/XX/XXXX and I always pay my bill on time because I understand my financial obligations and if it wasnt for me losing my job in XXXX of XXXX I wouldve paid the payment the XX/XX/XXXX, XXXX XX/XX/XXXX statement period. I am now employed again and willing to pay all of my financial obligations. I have made my account current with a payment today and just wish yo have this one time late reporting off my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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 — Investigation took more than 30 days
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
I am in the process of purchasing a home and I have a debt that is reporting on my credit report. The debt has a zero balance but the negative remark is hindering me from taking the next step. On XX/XX/2021, I wrote XXXX and XXXX about the concerns. I did not receive a response. On XX/XX/2021, I wrote Credit Collection ( the credit collection agency ), I also have not received response from them. On XX/XX/2021, I wrote XXXX and XXXX again. I still haven't received response. I need this debt removed from both bureaus immediately. I will attach proof of letters sent along with certified tracking numbers. 

Certified Letters : XXXX XXXX Credit Collection-XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am in the process of purchasing a home and I have a debt that is reporting on my credit report. The debt has a zero balance but the negative remark is hindering me from taking the next step. On XX/XX/2021, I wrote Equifax and XXXX about the concerns. I did not receive a response. On XX/XX/2021, I wrote XXXX XXXX ( the XXXX XXXX XXXX ), I also have not received response from them. On XX/XX/2021, I wrote Equifax and XXXX again. I still haven't received response. I need this debt removed from both bureaus immediately. I will attach proof of letters sent along with certified tracking numbers. 

Certified Letters : XXXX Equifax-XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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:
I received a copy of my credit report and, to my surprise, you are reporting a lot of incorrect information. You have several incorrect personal identifiers listed in my credit file and I am requesting that you remove any information that is not completely accurate. I am seriously concerned that the information that you are incorrectly reporting may send personal mail to the wrong address and jeopardize my identity or lead to fraud if it has not already.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24 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:
I received a copy of my credit report and, to my surprise, you are reporting a lot of incorrect information. You have several incorrect personal identifiers listed in my credit file and I am requesting that you remove any information that is not completely accurate. I am seriously concerned that the information that you are incorrectly reporting may send personal mail to the wrong address and jeopardize my identity or lead to fraud if it has not already.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I open the account on XXXX XXXX With Bank of America XXXX XXXX XXXX XXXX XXXX the associate name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the account was closed {$830.00} XX/XX/2021 with out my permission I went ones to the ATM to take out some money from my account and it said account closed, talk to a associate inside the bank, so I did, I talk to a associate from the branch from XXXX XXXX Bank of America and he couldn't answer me what happened to my account and my money, he told me call the customer service line or make an appointment, I told him an appointment for what if you are gon na tell me same thing duhhhh, so I did call the customer service line and they answered that they didn't know what happened or who from bank of America closed my accounted but that I would be receiving in my mail a cashier 's check for {$830.00} in 7 to 10 working days, well I never received nothing then I called them again after a month and then they told me it would be 90 working days now, I said ok, well it's being a year now and I need and want my money, because I worked hard for it, it's not fair and not rite that bank of America is stealing money from the clients or keeping money, I almost lost my house and my car, I trusted bank of America with my money and what they do closed my account and mail my money some where else with out me knowing

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Capital Accounts, LLC
State: OR

Complaint narrative:
At XXXX XXXX XXXXXXXX on XXXX XXXX Capital accounts called waking me up and from what I understand it is against the law to call before XXXX. I am not sure why they are calling as I was upset and yelled at them saying never can before XXXX again. I originally thought it was a telemarketer but after looking up CAP ACCOUNTS ( the caller ID ) it said it was a debt collection agency. I was hung up on twice when I called back but the third time calling I lied and said I was recording a call so they transferred my call to a manager. The manager put me on hold for 10 min and came back acting like he did not know why I was calling. I asked him for address, phone, and name of the company I told him I was going to file a complaint. Then he put me on a 17 min hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AR

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
This account with BRCLYSBANKDE with account number XXXX, has been paid, and thus, it should be removed from my credit report. There is no longer any balance on it and it has been closed. I have reached out to the XXXX and XXXX XXXX and to the furnisher but no response was ever made by both of them. They have neglected my request of giving me a response or deleting this 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 2022-02-24 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: FL

Complaint narrative:
i am XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS ans INQUIRIES from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24 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: FL

Complaint narrative:
Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-24 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: Nelnet, Inc.
State: MI

Complaint narrative:
They had 9 late months on 7 accounts that made 63 late payments on my credit reports XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. I got the loans consolidated now all 7 accounts are closed but still show 63 late payments please remove this its affecting my credit. 

I tried to dispute with all three bureaus and tried sending in letters to Nelnet but they all say it cant be changed but the information is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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:
Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: United Collection Bureau, Inc.
State: MI

Complaint narrative:
Even though I told them to stop calling and written communication only they still call. They never sent me a debt validation letter like I requested and then they threatened to throw me and my family in prison for a bill, but they won't even tell me what the bill is for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AR

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

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