vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-08 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: MA

Complaint narrative:
XXXX resort timeshare reported wrong debt amount owed after a breach of contract. Reported doubled the amount owed on account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 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: NV

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX Balance : {$360.00} ; XXXX XXXX XXXX XXXX : {$31000.00} ; XXXX XXXX XXXX XXXX Balance : {$260000.00}.

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 2023-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Portfolio Recovery is reporting account XXXX Orginal Creditor XXXX XXXXXXXX XXXX XXXX as delinquent. This account is paid in full. ( see attached documentation ) received XXXX/XXXX/2023 XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 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: TX

Complaint narrative:
The most recent letters disputing the inaccurate information on my credit report were sent on XXXX XXXX, 2023 and XX/XX/ 2023. Instead of resolving or removing the inaccurate personal information and accounts ( that I have been disputing and sending letters for 6+ months ), they are sending me letters to stall. 

Their letter dated XXXX/XXXX/2023 stated " ... we won't process requests unless they come directly from you or an authorized third party. '' This is completely unacceptable! I have received multiple letters from Transunion like this. I am sending these letters, not a third party. How could they determine that these letters are not coming from myself? They are violating my rights! 

These stall letters are tiring, frustrating, and a complete stall tactic. Transunion needs to remove the inaccurate information 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 2023-04-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was shopping for a handbag at Bloomingdales Valley Fair in XXXX XXXX, California on XX/XX/2023. I found a handbag I liked that cost {$2400.00}. The sales associate told me that if I applied for their store credit card and purchased the handbag with the card, I would receive 20 % off the retail price in the form of a credit and I would see the credit on my credit card statement. The sales associate even tried to persuade me to buy the matching wallet because my credit of roughly {$500.00} would almost pay for it. I did not purchase the wallet but I made a mental note so I would know how much to look for on my statement. When I received my statement, I was only credited {$270.00}. I called Bloomingdales credit card services on XX/XX/2023 to report the error and request a credit for the remaining amount. I was told that the sales associate provided misinformation and that there was a limit of {$250.00} for the credit card promotion. This really didnt make sense since I was credited {$270.00}. They offered to credit me another {$10.00}, which is well below the amount I am owed. They did not resolve this issue. They also told me this is a common complaint they receive because many other customers have been deceived by sales associates offering this same credit card promotion.

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 2023-04-08 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: CA

Complaint narrative:
I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a 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 2023-04-08 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: PA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXXXXXX Balance : {$300.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$440.00} XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX Balance : {$2200.00} Consider this request as a follow-up to make sure the listed accounts are fixed

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 2023-04-08 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: PA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX XXXX Balance : {$3000.00} XXXX XXXX XXXXXXXX Balance : {$300.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$440.00} XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX Balance : {$2200.00} Consider this request as a follow-up to make sure the listed accounts are fixed

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 2023-04-08 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: TX

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$40.00} XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX Balance : {$19000.00}

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 2023-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX FAILED TO INFORM THE CONSUMER OF REUQIRED DISCLOSURES PERTAINING TO OBTAINING THEIR PRODUCT AND SERVICES. THE AGENT WHO HANDLED THE FINANCIAL TRANSACTION CONCEALED MATERIAL FACTS THAT CONGRESS FINDS NEEDED TO BE DISCLOSE TO CONSUMERS ON THE BASIS OF DEALING WITH FINANCIAL INSTITUTIONS. XXXX XXXX AGENT DID NOT INFORM THE CONSUMER ON THE RIGHT TO OPT OUT OF HAVING THE CONFIDENTIALITY OF THIS CONSUMER CREDIT TRANSACTION NOT DISLCOSED TO OTHER THIRD PARTY SERVICING AGENTS. XXXX XXXX XXXX FAILED TO PROPERLY INFORM THE CONSUMER OF MANY OTHER DISCLOSURES REQUIRED BY CONGRESS THAT WOULD SHAPE THE CONSUMER EXPERIENCE WITH THEIR CORPORATION. XXXX XXXX XXXX HAS VIOLATED MANY CODE OF FEDERAL REGULATIONS WHEN IT COMES TO CONSUMER CREDIT TRANSACTIONS. XXXX XXXX CROP EXPECTS THE CONSUMER TO PAY ON A DEBT THAT IS IN COLLECTION BUT NEVER PROVIDED PROOF OF THE XXXX THEY FILED WITH THE IRS NOR ANY PROOF OF THEIR BOOKKEEPING ENTRIES SHOWING THE LOSS OF MONEY DO TO THIS TRANSACTION.

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 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Today on XX/XX/2023 I received a call from XXXX XXXX trying to verify if I applied for a new line of credit through them. I stated I did not and I was told someone tried to do so with my information including my social security number. I also received updates to my credit report with new credit inquiries that further corroborate all those claims. I believe it is my soon to be ex wife that did this.

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 2023-04-08 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: SC

Complaint narrative:
The credit reporting agencies are reporting XXXX acct. XXXX as delinquent on my credit file. A settlement agreement was reached and this account is paid in full ( see attached letter from 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 2023-04-08 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: GA

Complaint narrative:
I'm sending this complaint to inform AGAIN the TransUnion credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$18000.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; 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 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 2023-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
LVNV Funding LLC is reporting account XXXX on my credit file as delinquent, however, this account was dismissed without prejudice in XXXX XXXX XXXX via civil case number XXXX on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmWest Funding Corp.
State: CA

Complaint narrative:
My mortgage whose company is Amwest funding Corp . 

My statements from this mortgage company show that I am delinquent when I pay my monthly mortgage during the grace period and they automatically add 2 months due on statements even though the previous months were all paid but some were paid during the grace period. 

This looks really bad on me as it seems that I am always late when in fact I am not and definitely NOT delinquent. This is hurting me badly with other refinancing institutions who need to look at my current mortgage statements. 

The reason why I sometimes pay during the grace period is because of I have no other choice due to my financial schedule. 
Do mortgage company have the right to write on statements that you are DELINQUENT when a monthly mortgage payment is paid during the grace period?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 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:
The most recent letters disputing the inaccurate information on my credit report were sent on XX/XX/2023 and XX/XX/2023. Instead of resolving or removing the inaccurate personal information and accounts ( that I have been disputing and sending letters for 6+ months ), they are completely ignoring my letters that have been mailed over the last 6+ months!

Experian has not mailed any letters or proof/verification of any accounts to me. Experian needs to remove the inaccurate information immediately.

I have submitted multiple dispute letters to Experian, but I have received no resolution. Instead, has not responded to my letters that were mailed in over the last few months, which is a violation of the Fair Credit Reporting Act.

I demand that Experian take immediate action to correct the inaccurate information on my credit report and provide me with a prompt resolution to my disputes. Failure to do so will result in legal action being taken against your company for violating consumer protection laws.

Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for you willful non-compliance.

For the record, I am attaching the two most recent letters sent to you on separate occasions, more than 30 days ago and again 1 day ago. Items in the letters need to be removed. It has been over 6 months of me disputing this inaccurate information. It is illegal for them still to be on my credit 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 2023-04-08 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: TX

Complaint narrative:
When I reviewed my updated credit report in XXXX XXXX, I see that the same account was erroneous. The 3 credit Bureaus are required to validate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as an unverified account without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$20000.00}

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 2023-04-08 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: TX

Complaint narrative:
When I reviewed my updated credit report in XXXX XXXX I see that the same account was erroneous. The 3 credit Bureaus are required to validate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as an unverified account without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$20000.00}

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 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
When I reviewed my updated credit report in XXXX XXXX I see that the same account was erroneous. The 3 credit Bureaus are required to validate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as an unverified account without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$20000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
XX/XX/XXXX In the last week I have over {$600.00} dollars over charged by a grocery store I shop. 

Upon reconciling, then comparing and contrasting the charges to my checking I discovered - the same merchant debit over {$600.00} dollars above and beyond that which I authorized or consented to. 

Immediately, XX/XX/XXXX I called Bank of Americas claims department to file a claim, I was told it would take 10 days or more to be credited those funds in excess of {$600.00} prior to calling my bank, I attempted calling the merchant and was on placed hold over 1 hour, and then disconnected. 

When calling B of A I was treated rudely, hung up on and disconnected numerous times just to report the matter. 

B of A claims process for their customers to report issues is extremely burdensome- and waiting 10+ days in order to receive my money back seems questionable. Not to mention it places a further hardship on their customers especially when it comes to being able to pay to pay their bills by getting their monies back timely.

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 2023-04-08 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: SC

Complaint narrative:
The following debts were sold to a collection agencies, two specifically yet still report bad debt with original creditor. All debts were paid and settled with collection agencies. 
XXXX XXXX Company-acct no. XXXX XXXX- acct no. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Digital-paid in full XXXXacct no. 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