vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-27 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: I.C. System, Inc.
State: TX

Complaint narrative:
IC System is yet to respond to my dispute which they received as of XX/XX/2020 I want this item removed from my Consumer file immediately, I have Attached Proof of certified mail delivery

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 2021-01-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP
State: TX

Complaint narrative:
I changed my address. They told me to upload documents so they can unlock my account. I did that 5 times and they are still asking for the same thing. This is my only source of income and my phone and my lights are about to be off. I mean they ask 100 questions when you call which should be enough to verify who I am. This is rediculous

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 2021-01-27 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Well fargo Card service did not respond or finish my accounts investigation on time as of XXXX XXXX this company received my dispute yet this failed to mail me anything I have requested

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 2021-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have sent several emails to this company and they still have fraudulent accounts on my report and I want them all 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 explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA

Complaint narrative:
While renting at XXXX XXXX XXXX XXXX for over 2.5 years, we decided to buy our own house and we acquired the property last XX/XX/2020. 
But before we start shopping for houses, we considered our rental duty which is renewed yearly every XX/XX/XXXX. 
We consulted the apartment management AHEAD, what shall we do to avoid paying the rest of the yearly contract in case we move earlier than XX/XX/XXXX. 
As we agreed upon if we can look for tenants that will replace us we will be free of liabilities. 
Even we found the tenants that replaced us quickly, I still pay rent for XX/XX/XXXX to give us time for moving and cleaning the apartment because I was hoping they will refund my {$1000.00} deposit. 
Instead of refunding my deposit, when new tenants moved, this XXXX charging me to pay the XXXX and XXXX, which breaking our verbal agreement. 
They threatened me to be sued, put in court. 
I refused, reasoning that if I paid XXXX and XXXX they are earning double because I found the tenant for them currently renting. 
So they went back last XXXX by using a debt collector Evergreen Professional Recoveries, fabricating other issues of damages because I didn't buy the 1st charges they are trying to collect. 
Suspiciously, they never asked for it from the very first, what they charging me is for 2months rent instead. Since I never agree they invented these lately.

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 2021-01-27 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:
The law is clear and protects its consumers. It must be deleted as per FCRA without factual information. The US Bankruptcy Court does not refer these matters to other agencies. They don't check or update credit reports either. Bankruptcy information is public information as per stated when I spoke to staff member XXXX in the Bankruptcy department. If the Credit Bureau has to get information from the source, tell me how did you get the information you put 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 2021-01-27 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: NY

Complaint narrative:
All three bureaus Equifax XXXX  and XXXX  has been abusing their power of being a reporting agency.The unathorized inaccurate reporting without my consent in noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus '' are not operating with in the boundaries of FCRA and FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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 have sent several emails to this company and they still have fraudulent accounts on my report and I want them all 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 explanation
Consumer complaint received 2021-01-27 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: GA

Complaint narrative:
I have sent several emails to this company and they still have fraudulent accounts on my report and I want them all removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: GA

Complaint narrative:
I pulled my credit reports from annualcredit report site and see continued reporting of errors on all 3 reports. There are 20 addresses on my TransUnion report that are not mine, 9 incorrect addresses on my XXXX  Report, and 25 incorrect addresses on my XXXX  report. These addresses are not former addresses of mine and I have NEVER lived there. I am concerned of possible fraud or mixed information from someone else, but these addresses and misspellings of my name need to be deleted. This is so unacceptable. TransUnion and XXXX  is also reporting multiple incorrect phone numbers that are not mine and never have been. 

In addition to that, there are several accounts on my credit reports being falsely and incorrectly reported. I have disputed all of the inaccurate personal information and addresses multiple times on XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20 including several phone call attempts, but no one is able to help or remove this information. It's ridiculous! I've asked the bureaus to provide me with verification of where they are getting the inaccurate and inconsistent information from on the following erroneous accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX There is so many inconsistent reporting shown and it's the bureaus responsibility to thoroughly investigate information with the original creditor for complete accuracy which it's clear as day that they have failed to do this. I haven't received any correspondence and the inaccurate items still remain on my report after I've submitted multiple letters pointing out the exact errors on my reports along with attaching my proof of ID and proof of address for verification. With all these wrong addresses there could be fraud on my account for all I know. I'm highly frustrated with the negligence.

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 2021-01-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am currently trying to purchase a home but mortgage company could not pull Equifax score. I called the Equifax and the rep told me that I had to send request by mail with proof of identification to remove fraud alert. I did this on XX/XX/21. I have been calling to follow up but they give me the run around claiming not to have received the request. After this, I emailed the request and faxed it. As of today after 2 weeks, they are claiming to have not seen my request. Now my home purchase is on hold and Im stuck in a hotel because of them!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: GA

Complaint narrative:
I submitted a complaint against XXXX  on the CFPB Website on XX/XX/XXXX The Response I received from Equifax did not address my issue. I expect that a human review this complaint and the account with care and do not send me canned computer generated responses that do not address my issue Equifax has removed a derogatory false account from my credit report twice as I requested by sending proper documentation. Equifax keep putting the account back on my credit without notifying me This is a direct Violation of the Reinsertion Law in the FCRA. Equifax did not address this concern at all. Both times this account was placed back on my report I never received any written notice five days prior. I did not receive any notice at all this is a XXXX  XXXX  account and due to the violation of the FCRA Twice I demand the account be permanently deleted. I will seek attorney representation if this is not handled properly I know the laws in the FCRA this is not fair to me or my credit report I am also putting the complaint in here from the XX/XX/XXXX if I get another canned response that does not answer my complaint I am calling my attorney. I hope my time will not be wasted this time.The Original Complaint is below : My entire wallet was stolen and I have submitted several FTC Affidavits and also a police report to Equifax for the same account over and over. The Account is XXXX. Equifax Removed the account on XX/XX/XXXX and then added it back. I disputed it again and they removed it again between XXXX XXXX. Equifax keeps taking the account off and then placing it back on. There is a reinsertion law that the credit bureau needs to abide by I never received a notice five days prior of the account being reinserted and I demand that this account be deleted permanently. This is a direct violation of the FCRA and a direct violation of the Reinsertion Law. Equifax has taken the account off several times and keeps taking it off and placing it back on. This effecting my life and emotional wellbeing. Equifax is also including the accounts utilization in my score. This account is a closed revolving account the balance should not be hurting my utilization as a CLOSED account. closed. Please Enforce The Reinsertion Law at the Bare Minimum and make them Permanently DELETE THIS unauthorized ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: NY

Complaint narrative:
All three bureaus XXXX  Transunion and XXXX  has been abusing their power of being a reporting agency.The unathorized inaccurate reporting without my consent in noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus '' are not operating with in the boundaries of FCRA and FDCPA

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 2021-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: CO

Complaint narrative:
I had XXXX at XXXX for my dog  in XXXX of XXXX. I have never received a bill or a statement saying I owed anything. The XXXX was XXXX that I paid in full. I received a letter a few days ago in XXXX of XXXX from Transworld systems inc. never heard from them before, called and they did not give me an option to dispute nor does it say in the letter that I can. I even contacted XXXX  and no one has got back to me. I dont understand how I could owe {$100.00} when I paid {$3800.00} in full 4 years ago. I think this is a scam. I even emailed Transworld to tell them I have no debt with XXXX and they never responded. The past due/collections is already on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: MD

Complaint narrative:
I pulled my credit files from Equifax, XXXX  and XXXX  to check for any wrong information. I saw that they are reporting a account that I am not responsible for and should not be on my credit files. The company they are reporting is called XXXX XXXX. This company should not be on my credit files as a collection, I have reached out to all three major credit bureaus to have the issue resolved and the negative account removed from my credit files. As of today this account is still showing on my files and caused my scores to drop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd

Complaint narrative:
Good Afternoon, I am respectfully requesting your assistance to recover funds from TransferWise of XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX. 

I hold 2 accounts with them a business account and a personal account. 

1. On XXXX XX/XX/2021 I received an email from TransferWise support advising me that an incoming wire for US {$63000.00} was on hold pending additional documentation being sent. I complied immediately and sent the requested documentation. 
2. On XXXX XX/XX/2021 TransferWise support contacted me again requesting invoices for 2 incoming wires for XXXX XXXX XXXX  and XXXX XXXX XXXX. Again, I complied immediately and sent the requested documentation. These wires were returned to my XXXX. 
3. On the XXXX XX/XX/2021 support contacted yet again advising me that my accounts had been suspended. No notice period was given nor any reasons for their actions. 
4. TransferWise support then advised me that returning my account balances could take up to 90 days due to your compliance procedures. 
5. The balances suspended are US {$780000.00} in my business account and US {$2400.00} in my personal account. 

I am extremely frustrated by the fact that you suspended my accounts with zero  warning, which I consider to be totally unprofessional and extremely unethical. 

Most of the funds in my business account were earmarked for my XXXX  and now I find myself in a position whereby I can not fulfill my financial obligations in a timely manner thus affecting my credibility and good standing. 

I have since complained and appealed for a refund and received the below email on XX/XX/2021. 

Hello XXXX XXXX, Weve decided to keep your TransferWise account closed. 

Because you still have money in your TransferWise balances, we'll work on sending it back to your bank account. But first, we need to carry out due diligence checks. While we do that, your money and information will be safe and secure. 

This can take up to 60 working days. Please get in touch with us after that time so we could give you an update about the money held in your balances. We wont be able to provide any info on this in the meantime. 

Unfortunately, we cant tell you the specific reason why weve closed your account its because of how were regulated. But you can read our Terms of Use, where we explain how were allowed to close accounts. 

Thanks, The TransferWise Team I have a full set of emails from TransferWise should you require these. 

I have grave concerns about the way this organisation is conducting their business activities and how they can treat consumers in this way. 

I really do need your assistance with this matter. 

XXXX, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: CA

Complaint narrative:
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$680.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$290.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$460.00} - The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified.

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 2021-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: USCB, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX USCB reported three collection on my XXXX  Credit Report for XXXX XXXX, a medical collection. They stated I owed balances of {$150.00}, on the first collection, {$350.00} on the second collection and {$120.00} on the third collection. I was just started a XXXX XXXX XXXX and was declined credit multiple times shortly after with reasons stating that there were multiple collections on my credit report. I contact USB quickly and explained that I do not owe XXXX and money and in fact paid the balance owed to them in full on XX/XX/XXXX see attached payment receipt. This XXXX  balance is proof that all my medical bills including my wife 's bills, my children 's bills are at a XXXX  balance. They are on my medical  plan. This is not the first time XXXX has tried to do this. They did it last year right about the same time, and that time I had deal with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: MD

Complaint narrative:
I pulled my credit files from XXXX, Transunion and XXXX  to check for any wrong information. I saw that they are reporting a account that I am not responsible for and should not be on my credit files. The company they are reporting is called XXXX XXXX. This company should not be on my credit files as a collection, I have reached out to all three major credit bureaus to have the issue resolved and the negative account removed from my credit files. As of today this account is still showing on my files and caused my scores to drop.

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 2021-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I pulled my credit files from XXXX, XXXX  and Experian to check for any wrong information. I saw that they are reporting a account that I am not responsible for and should not be on my credit files. The company they are reporting is called XXXX XXXX. This company should not be on my credit files as a collection, I have reached out to all three major credit bureaus to have the issue resolved and the negative account removed from my credit files. As of today this account is still showing on my files and caused my scores to drop.

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