vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I called XXXX card services to pay off my balance in full. I spoke with a supervisor name " XXXX ''. After I paid it off I was told my credit would be updated on XX/XX/XXXX. However I'm in the process of building a home and needed it updated for my lender. I called an request a pay off letter which I did receive from XXXX card. However I still needed my FICO updated. I did a dispute with all 3 bureaus to report it was paid in full. The problem is, XXXX card reported back to the dispute by reporting inaccurate information to XXXX, knowing my account was paid in full they reported I still owed over {$1700.00}. They then reported to Trans union that my account was in fact paid off. I then called XXXX on XX/XX/XXXX and spoke to the same Supervisor " XXXX ''. I asked him why did they report inaccurate info to XXXX but accurate info to Trans union? He said he was not sure and would reach out to the XXXX XXXX for help and get back with me. Few days later on XX/XX/XXXX my Trans union report was changed again by them but this time it was reported that my account was not paid off and still had a balance of over {$1700.00} which is in accurate and opposite of their original report of paid off. This inaccurate report dropped my score XXXX points. I called back to XXXX on the XXXX and spoke to a supervisor named " XXXX '', not sure if I spelled that correctly. She had no clue why that happened or what to do other than notated my account for the XXXX XXXX. Her ext is XXXX. She also reminded me that they report to the bureau 's on the XXXX which would have been fine had they not continuously reported inaccurate info to them several times. They should have just not reported anything instead of false information. As for XXXX, my dispute for XXXX was in fact updated accurately and states paid off. But they claim they don't report until the XXXX... I contacted Trans union which was no help. The rep named " XXXX '' on XX/XX/XXXX told me they can only take what info XXXX gives then. So they also allowed them to report inaccurate information even after I stated I had a pay off letter from 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 2022-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I called XXXX card services to pay off my balance in full. I spoke with a supervisor name " XXXX ''. After I paid it off I was told my credit would be updated on XX/XX/XXXX. However I'm in the process of building a home and needed it updated for my lender. I called an request a pay off letter which I did receive from XXXX card. However I still needed my FICO updated. I did a dispute with all 3 bureaus to report it was paid in full. The problem is, XXXX card reported back to the dispute by reporting inaccurate information to Experian, knowing my account was paid in full they reported I still owed over {$1700.00}. They then reported to XXXX XXXX that my account was in fact paid off. I then called XXXX on XX/XX/XXXX and spoke to the same Supervisor " XXXX ''. I asked him why did they report inaccurate info to Experian but accurate info to XXXX XXXX? He said he was not sure and would reach out to the XXXX XXXX for help and get back with me. Few days later on XX/XX/XXXX my XXXX XXXX report was changed again by them but this time it was reported that my account was not paid off and still had a balance of over {$1700.00} which is in accurate and opposite of their original report of paid off. This inaccurate report dropped my score XXXX points. I called back to XXXX on the XXXX and spoke to a supervisor named " XXXX XXXX', not sure if I spelled that correctly. She had no clue why that happened or what to do other than notated my account for the XXXX XXXX. Her ext is XXXX. She also reminded me that they report to the bureau 's on the XXXX which would have been fine had they not continuously reported inaccurate info to them several times. They should have just not reported anything instead of false information. As for XXXX, my dispute for XXXX was in fact updated accurately and states paid off. But they claim they don't report until the XXXX... I contacted XXXX XXXX which was no help. The rep named " XXXX '' on XX/XX/XXXX told me they can only take what info XXXX gives then. So they also allowed them to report inaccurate information even after I stated I had a pay off letter from 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 2022-02-22 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: Kikoff Inc.
State: NY

Complaint narrative:
Kikoff Lending LLC is reporting a fraud account on my credit. I didnt open this account nor did I authorize anyone to do so on my behalf. I learned of this account when my credit rating dropped as there was a late payment. I reached outto Kikoff lending via email requesting the removal and closure of this account. This account is not mine. Please see the attached FTC report and my Driver license

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: NC

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 2022-02-22 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: NC

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
Consumer complaint received 2022-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
This account with CB/WAYFAIR  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 Bureaus 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 response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
Opened an account and received donations due to the fact that my mother passed away. Haven't been able to contact anyone and Ive been waiting for 5 weeks. Making a complaint to the Consumer Financial Protection Bureau and a complaint to the VA General Attorneys Office.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with 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 explanation
Consumer complaint received 2022-02-22 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: RI

Complaint narrative:
I HAVE NEW & UPDATED INFORMATION ON TRANSUNION AND XXXX. I XXXX XXXX the consumer, have evidence that TRANSUNION AND XXXX are willlfully noncompliant to federal law FCRA 605B ( 15 U.S.C. 1681c-2 ). On XXXX I sent correspondence to XXXX in response to ( complaint # XXXX ) & also sent correspondence to TRANSUNION in response to ( complaint # XXXX ) ( see attached file ). In my previous complaint, I notified both TRANSUNION AND XXXX that they had 4 days upon receipt to block all of the items Ive listed inside of my identity theft report on XXXX. TRANSUNION and XXXX failed to meet those requirements. I have proof and evidence of both receipts ( see attached file ). Instead, TRANSUNION AND XXXX chose to put my FTC report in ( the system ) as a 30 day dispute to verify the same information PRIOR to the block WITH the furnishers of those same items I made notice of being fraudulent. Both companies are continuing to report False misleading information on my consumer report and are using the same information in my file that I made known to be identity theft, to verify the same information. By doing so, TRANSUNION AND XXXX are in violation of 15 USC 1681c-2 ( c ) ( 3 ). Theyre knowingly using the presence of the information inside of my consumer file PRIOR to the block to verify information on me. The FTC regulates this requirement TRANSUNION & XXXX failed to abide. I have documents from the FTC siding with my complaint ( see attached file ). I would like to now state that the consumer reporting agency XXXX has obeyed this requirement by blocking the information from reporting ( see attached file & see complaint # XXXX ). Pursuant to 15 USC 1681i ( a ) ( 5 ) ( D ) Automated reinvestigation system. XXXX and TRANSUNION are in violation for knowingly ignoring the block of information reported as identity theft pursuant to the automated system of all consumer reporting agencies.

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 2022-02-22 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: TN

Complaint narrative:
PLEASE BE ADVISED THIS IS MY 2ND REQUEST, PER FCRA THIS INFORMATION MUST BE BLOCKED FROM MY REPORT WITH IN 4 BUSINESS DAYS. SO, IM NOT UNDERSTANDING WHY YOU ARE RESPONDING SAYING 60DAYS,, THAT TO LONG. I WILL BE FILING A COMPLAINT WITH THE ATTORNEY GENERAL OFFICE. 





Please be advised, I noticed the credit bureaus that I had been a victim of identity theft. Per FCRA I asked them to block information from my report. Not only did they ignore my request, but it also seems as if there IS A VOLATION of the FCRA and the FTC. I sent a statement FTC report and proof of identity. It was also names on my report I never went by Accounts XXXX XXXX {$380.00} XXXX XXXX {$810.00} XXXX Bank {$1200.00XXXX XXXX XXXX {$1600.00} Please see attached FTC report for additional information amounts account numbers and off please like this information from my report as it was right please block this information for my report as Ive sent in the proper identification if I dont hear back from you and this is not a block within four days I will make a complaint with the attorney general 's office and seeking to get a legal counsel PLEASE DELETE THESE NAMES FROM MY CREDIT FILE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all of the following names are fraudulent and needs to be removed. Please see attached FTC report and proof of identity thank you PLEASE DELETE THE FOLLOWING ADDRESS AS THEY DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, TN 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 2022-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. I am requesting that you delete all the following ACCOUNTS/INQUIRIES AND LATE PAYMENTS that are inaccurate. Please remove these negative items 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 2022-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
XX/XX/2022 I received a text message stating that there was fraud on my bank of america checking account. A couple minutes later I received a call. The phone number was the bank of america customer service number. The person on the phone told me there was fraud on my account and they explained how I could reverse the fraudulent transaction online. Once I did what they said, {$3500.00} was taken out of my account. The scammed immediately hung up the phone. I then went to the local bank of america on XXXX XXXX in XXXX va. The manager there told me he was able to erase those transactions to the scammed and I checked my account. The {$3500.00} was back in my account. I then called bank of america fraud/scam dept to report what happened. I was told everything looked normal on my account. The transaction to the scanners didn't go through and everything was fine. The next day XX/XX/XXXX I checked my account and the scammed transactions were back on my account and the {$3500.00} was taken out. I immediately called bank of america fraud/ scam dept and told then what happened. I filed a claim with them. They assured me that the {$3500.00} would be reimbursed within 10 days. XX/XX/XXXX I get an email from bank america denying my claim.

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 2022-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Good day. On the evening of XX/XX/XXXX I received a text message from a bank stating that someone was trying to take {$2000.00} from my account! Reply ( y ) if I authorize and ( N ) if not. So I typed no. 2 Mins later I received a call from Bank of america and the guy who I believe that worked there he went through every procedure. He stated that I needed to reverse it back to myself through XXXX. I Contacted bank of america and XXXX they told me they had all the information and accounts that it went to. One lady I spoke with even said all the number are actually a bank or america number so I thought this was a bank I could trust. This man had all access possible to my account so I believe it was a inside job. They claim they were investigating and came back shortly after stating it was nothing they could do. But yet this is suppose to be a bank that I could trust!!!!!!

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 2022-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc
State: NC

Complaint narrative:
received a Chime credit card in mail with my name. Never opened the card. 

I called chime at XXXX and had to email them at XXXX to report fraud and close account. Waiting for response

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: IA

Complaint narrative:
There is a collection listed on my Experian credit report from a hospital listed for XX/XX/2021. I can prove factually I was not in that hospital at the date listed on the report as I don't live within 600 miles of the listed hospital and have not been to a hospital in several years. I submitted the dispute with this information and they closed it stating they " verified '' the information, and " updated '' it, but all the information is the same. I have no idea how they could have possibly verified this, as again, I was not in the hospital at that time. If this is for a much older bill, then fine, but if it is, they haven't given me any information to know what/when this is for. Another reporting agency has already removed 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 2022-02-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Services Association
State: TX

Complaint narrative:
I submitted a complaint, and the debt collection company sent over their " proof of debt '' but it is clearly a forged document. Page XXXX dates and property address do not match the remaining pages of the lease. This has been clearly doctored from a previous lease from years prior. Page XXXX of the lease is accurate, it was a month to month lease, so there is no reletting fee. These documents are pieced together from the lease that they are trying to collect on, and previous leases. This is fraud. There are also no invoices from the companies referenced on the statement showing services rendered. This should be removed from my credit immediately, from all XXXX bureaus. I also do not have a contract with the company that is collecting, and do not owe them any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with Consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WI

Complaint narrative:
My property taxes are escrowed. Taxes through LoanCare , LLC were supposed to be paid to our city by XX/XX/2022. Supposedly they sent our payment on XX/XX/2022, however the city of XXXX XXXX didnt receive it until XX/XX/2022. We received a delinquent notice and contacted XXXX LoanCare , LLC, and was told they would be sending payment within 5 business days. As of today, XX/XX/2022, which is five business days, the payment still has not been sent. Contacted XXXX LoanCare , LLC again and was told that now they wont be sending it u til XX/XX/2022. This will not only cause additional late fees, but will be a never ending thing as they will pay the wrong amount and I will have more fees and have to continue to call and here they will pay it next month, etc. this puts my house in jeopardy of being taken by the city. When I asked why it wasnt sent in the 5 business days they had no answer and blamed the postal service. I told them they are violating federal statutes with regards to timely escrow payments, and was given the run around. This is not ok. I pay my payment ahead of time, and for them to have my escrowed money and not pay the taxes on time ( 33 days in the mail supposedly ) is not acceptable and as I review complaints on the XXXX  we are not the only one with this issue. This company should not be allowed to get away with this. They also do not send my monthly statements on time as they are required. I receive them four days before the due date but their excuse is I can go online to their website and look at it. I did not sign up for electronic statements as I like paper hard copies. This company needs to be looked into and told they can not violate laws. This is my first mortgage and is the worst experience ever. I have had nothing but issues and need help.

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