vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-30 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: I.C. System, Inc.
State: CO

Complaint narrative:
I sent 4 letters regarding my credit report to each bureau and to the collector themselves. XX/XX/2021 was the last one I sent. I haven't checked my credit in awhile prior and noticed a collections accounts ( XXXX XXXX AND XXXX. XXXX XXXX XXXX ) show up on my report. I've called them several times to dispute the wrong information being reported and I either get disconnected or the run around to figure out how this account is on my report. Every time I call in to explain that I've sent in my letters multiple times, the reply is they haven't gotten it. its been about 3 1/2 months since at least ONE response even after calling. I have no clue what else to do and I feel like there won't be a resolution because they keep saying they haven't received anything. This account needs to be removed because I am not liable for this debt nor do I owe anything on these accounts I've never had a contract with. The false information on my report is unfair. Please help me figure this out, I'm out of options and frustrated that its been almost 4 months now. These letters feel useless at this point and I've been spending extra money to have my letters overnight to each credit bureau and the collections agencies themselves. I understand that bureaus and collections agencies can make mistakes but it is very frustrating. I went as far as taking pictures of receipts and letters because they keep saying they haven't received anything. Please help me

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 2021-11-30 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: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/2020 XXXX XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX XXXX-Date of inquiry XX/XX/2020 XXXX XXXX of inquiry XX/XX/2020

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 2021-11-30 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: BC SERVICES, INC.
State: CO

Complaint narrative:
I sent 4 letters regarding my credit report to each bureau and to the collector themselves. XX/XX/2021 was the last one I sent. I haven't checked my credit in awhile prior and noticed a collections accounts ( BC SERVICES AND XXXX. XXXX XXXX XXXX ) show up on my report. I've called them several times to dispute the wrong information being reported and I either get disconnected or the run around to figure out how this account is on my report. Every time I call in to explain that I've sent in my letters multiple times, the reply is they haven't gotten it. its been about 3 1/2 months since at least ONE response even after calling. I have no clue what else to do and I feel like there won't be a resolution because they keep saying they haven't received anything. This account needs to be removed because I am not liable for this debt nor do I owe anything on these accounts I've never had a contract with. The false information on my report is unfair. Please help me figure this out, I'm out of options and frustrated that its been almost 4 months now. These letters feel useless at this point and I've been spending extra money to have my letters overnight to each credit bureau and the collections agencies themselves. I understand that bureaus and collections agencies can make mistakes but it is very frustrating. I went as far as taking pictures of receipts and letters because they keep saying they haven't received anything. Please help me

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 2021-11-30 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: EQUIFAX, INC.
State: CO

Complaint narrative:
I sent 4 letters regarding my credit report to each bureau and to the collector themselves. XX/XX/2021 was the last one I sent. I haven't checked my credit in awhile prior and noticed a collections accounts ( XXXX XXXX XXXX XXXX. XXXX XXXX XXXX ) show up on my report. I've called them several times to dispute the wrong information being reported and I either get disconnected or the run around to figure out how this account is on my report. Every time I call in to explain that I've sent in my letters multiple times, the reply is they haven't gotten it. its been about 3 1/2 months since at least ONE response even after calling. I have no clue what else to do and I feel like there won't be a resolution because they keep saying they haven't received anything. This account needs to be removed because I am not liable for this debt nor do I owe anything on these accounts I've never had a contract with. The false information on my report is unfair. Please help me figure this out, I'm out of options and frustrated that its been almost 4 months now. These letters feel useless at this point and I've been spending extra money to have my letters overnight to each credit bureau and the collections agencies themselves. I understand that bureaus and collections agencies can make mistakes but it is very frustrating. I went as far as taking pictures of receipts and letters because they keep saying they haven't received anything. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX XXXXXXXX XXXX of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXXDate of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: MI

Complaint narrative:
On XXXX someone from the bureau company reached out from me saying I owe the debt I told him I didn't order that I don't even know what that is they told me they were going to take me to court assuming for the day and that I should pay it and that they would take half payment if I paid it today 50 % off

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Advance America, Cash Advance Centers, Inc.
State: MI

Complaint narrative:
I took out a payday loan from Advanced America for the amount of {$150.00} which added up to {$170.00} after taxes and fees XX/XX/XXXX from a XXXX XXXX XXXX account. 
On XX/XX/XXXX, I found out the Advanced America had stolen {$280.00} from my XXXX XXXX  account, an account that I did NOT give them account information for and did NOT give Advanced America legal authorization to access. 
Not only did Advanced America steal money from an entirely unrelated bank and fairly new account, but they also increased the debt by 65.88 % which is more than double the amount of the original loan. 
Then, via their website, Advanced America are STILL expecting a repayment of {$170.00} even after illegally removing {$280.00} from an account that they were never given information for or access to. 
I'm in the midst of finishing up repairs on my house, and this unexpected, unauthorized, and illegal money grab is putting me in more of a bind because I was blindside by said expense. 
Even according to their own website, I have NO bank accounts connected to my Advanced America account, and without prior consent for that particular account, Advanced America illegal accessed funds from a separate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
In XX/XX/XXXX, I purchased windows from Home Depot under a 24-month interest free promotion, with payments representing 1 % of the principal balance for 24 months. For the next XXXX months, I made those 1 % payments from my checking account using an autopay feature, to Home Depot Credit Services, through Citibank US NA. Home Depot erroneously set the promotion to XXXX  months instead oXXXX XXXX causing my monthly payment in XX/XX/XXXX to skyrocket from the 1 % of the principal balance ( about {$140.00} ) to {$620.00}. The principal balance was also increased to reflect the interest that had accrued over the past 12 months. 

Of course, I contacted Home Depot Credit Services immediately about this, and throughout the course of many follow up phone conversations, Home Depot acknowledged the error, and assured me that they would correct the problem, adjusting the {$620.00} charge down to the 1 % and correcting any adverse credit reporting. Around the late XXXX timeframe, Home Depot indicated that they would need to turn to their " Utilities Team '' to correct the account information, which could take several days.

As recently as about two weeks ago, I contacted Home Depot again because in spite of the assurance I received in XXXX, the XXXX statement still showed that I owed {$790.00}. I again contacted Home Depot immediately, and the representative with whom I spoke indicated that the Utilities Team had corrected the problem, that I was back on 1 % monthly payments, and the erroneous {$790.00} had been eliminated. That was exactly the outcome that I had hoped for. Before I ended the call, I resumed auto payments, starting with the minimum payment due of {$35.00}. It struck me as a low number, but I assumed that it had been reduced because of some adjustment, which of course I did not object to. 

Early this morning I happened to check my checking account balance, and was shocked to discover that Home Depot had deposited a paper check issued by Citibank for {$790.00}. It was dated XX/XX/XXXX. On the signature line it states, " Authorized by your depositor XX/XX/XXXX. '' This, of course, was not true. On or about that date, I had authorized ONLY the minimum payment of {$35.00} ( which was taken from my checking account ), and then the monthly auto-payments of 1 % of the principal balance thereafter. 

Please help me address this issue, since I was unable to do so effectively. My credit score has also now been negatively impacted because of Home Depot 's mistake in charging me {$620.00} in XX/XX/XXXX, which my refusal ( and quite frankly, inability ) to pay resulted in a late payment report to the credit bureaus. 

Thank you very much for your attention to this matter. 

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 monetary relief
Consumer complaint received 2021-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
Since XXXX I have been disputing an account on my XXXX credit report that is not mine every other credit reporting agency removed it XXXX won't. 

FAIR COLLECTIONS & OUTSOURCING Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$6.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/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 2021-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PENTAGON FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
This debt is inaccurate it was a balance transfer. They promised me zero percent for 18 months they started charging interest after 6 month. I tried to dispute the amounts that where charged and incomplete. This was with penfed credit union now this company XXXX XXXX is taking me to court. I have never had any agreement with this company and now they are in the process of taking me to court. They have no right into this because the account agreement was between me and penfed and there offer was 18 months not six.

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 2021-11-30 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: MI

Complaint narrative:
I filed a dispute with transunion showing proof that I am making current payments on my account with XXXX XXXX and they refuse to update my credit report ... they claim that they investigated and that they found the information correct which it is not and by the way I paid XXXX dollars on this account my current balance should say XXXX but it says XXXX on transunion

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 2021-11-30 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: MI

Complaint narrative:
I filed a dispute with XXXX showing proof that I am making current payments on my account with XXXX XXXX and they refuse to update my credit report ... they claim that they investigated and that they found the information correct which it is not and by the way I paid XXXX dollars on this account my current balance should say XXXX but it says XXXX on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: LA

Complaint narrative:
I have disputed a fraud account with Equifax several time and it comes back verified. I sent in a FTC report as well as a police report and noting change. I sent in certified letters though the mail and several conversation on the phone with Equifax still no results. I fed up and this is hindering me from getting things i need with my credit. Please help. I also have a complaint about how can a collection be disputed one day a be deleted and three days later put back on your credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I paid a bill by settling in early XXXX XXXX have not seen an increase in my credit score yet..Experian told me to XXXX XXXX called XXXX and they told me to contact Experian because experian is supposed to key in some information into an arithgoriam or something and XXXX pulls info from it to adjust the credit score. The creditor was XXXX XXXX and the amount was a little over 600 ..collector was Living Funding. I also spoke to someone about removing names that arent mine.XXXX XXXX and XXXX XXXX should be removed..My current job has been removed and shouldnt have been..GXXXX XXXX XXXX is my current job. The closed student loans should be removed

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 2021-11-30 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: FL

Complaint narrative:
I hereby ask for your assistance regarding my dispute. It has been more than 60 days since my first dispute and the accounts that I'm disputing are still lingering on my credit report. This is a violation of 1681 and 1681n of 15 USC. The credit reporting agencies are ignoring my disputes. That is why I'm submitting a complaint in hopes of getting rid of them.

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 2021-11-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I hereby ask for your assistance regarding my dispute. It has been more than 60 days since my first dispute and the accounts that I'm disputing are still lingering on my credit report. This is a violation of 1681 and 1681n of 15 USC. The credit reporting agencies are ignoring my disputes. That is why I'm submitting a complaint in hopes of getting rid of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I lost my Kohls credit card on XX/XX/21 and reported it lost to Kohl 's Customer Service via telephone same day. I requested that my account be closed immediately so that no would be able to use it if they found my card. I was informed by Customer Service that I would need to go to a local store and apply for a new credit card. It should be noted that my account was not closed until XX/XX/21, after I had to place a second call to request the account be closed. 

A few days later I applied for a new card at the Kohl 's store in XXXX, Ma after explaining the situation with my lost card. I recently received an adverse action letter dated XX/XX/21 for a Kohl 's Credit Card account issued by Capital One, NA. stating " Our decision was based on the payment history for a previous Kohl 's account in your name ''. And, to contact them if I had any question regarding this decision. The ECOA notice was the only disclosure on the adverse action letter. 

I immediately contacted Kohl 's Customer Service and advised that I have never been late on any of my payments. I asked the CS rep if she could provide me with contact information for Capital One and was told NO. I asked If I could speak to a manager and was told NO. I stated that my next call would be to the CEO if they were not able to help me. I was placed on hold and Manager ID XXXX spoke with me. She confirmed that she reviewed my account history and that there we no late payments or late fees on my account. She told me to try applying again in a week or so and maybe it would be approved. I advised that this solution is unacceptable to me. I stated that Kohl 's is reporting inaccurate information about me and I would like to dispute it. She told me that I can not dispute it. The call ended at the point. 

I am contacting your agency for assistance with this matter as I believe that I was not provided with appropriate FCRA disclosures and not giving the opportunity to dispute their incorrect reporting of my account. I firmly believe that they are not incompliance with FCRA requirements and that my rights have been violated. Also, I am sure that I am not the only individual who has experienced this negative treatment and that many others may have been impacted as well by their practices. 

Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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 hereby ask for your assistance regarding my dispute. It has been more than 60 days since my first dispute and the accounts that I'm disputing are still lingering on my credit report. This is a violation of 1681 and 1681n of 15 USC. The credit reporting agencies are ignoring my disputes. That is why I'm submitting a complaint in hopes of getting rid of them.

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