vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-01 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 complaint with CFPB ( Case # XXXX and XXXX ) and received a response from XXXX ( XXXX ) via CFPB on XXXX.Because i disagreed with erroneous response, I decided to call them ( XXXX ) on XX/XX/XXXX at XXXX XXXX and spoke with XXXX.I explained to XXXX that i wasnt allowed to opt out on new terms when XXXX transferred over to XXXX XXXX XXXX card, and according to CFPB on new terms, i have the right to opt out.XXXX  said we sent all paperwork on new terms via email, since i opted out of mail sent to home.While i was on the phone, I told her let me look up my past emails on my computer as we where talking on the phone.After looking for emails, I stated to XXXX, I looked back to XXXX and there is no emails with new terms or anything regarding the new XXXX XXXX XXXX card.I also stated to XXXX, all i see is is XXXX XXXX XXXX  adds.Then XXXX said XXXX ok, we sent the new terms and all paper work with new XXXX XXXX XXXX card.I told XXXX, i did not receive any paperwork with the new card and all i received was the new card.XXXX then said you activated the card! .I told XXXX, I never activated the XXXX  XXXX XXXX card cause i didnt want the credit card.I told XXXX to check her records.Then XXXX said, my card was closed for innactivity.I told XXXX, that all complaint responses from XXXX, XXXX , XXXX  XXXX transunion does not say anything about inactivity.Then XXXX said " we can close your account for any reason at anytime '' .I told XXXX, your back XXXX cause my account was closed for erroneous reasons.XXXX  said, CFPB does not control XXXX XXXX buisness practices and CFPB is wrong if they say I have the right to opt out if there are new terms.Then XXXX said your card was inactive for 25 months and we reduced your credit when you had XXXX for that reason without me knowing.I told XXXX, something stinks , something is wrong and what XXXX is doing is very wrong.XXXX  stated, we cant help you and parted ways on the phone.Therefore, XXXX closed my account without me knowing during the corona virus pandemic and didnt give me the option to opt out/in on new terms.CFPB states I have the right to opt out/in on new terms.XXXX buisness decision as stated in there response letter, says I dont have a opt out option is violating credit laws and is wrong.And XXXX at XXXX is feeding me a bunch of false information.Because of there actions, this account is closed and this dropped my credit score.

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 2021-01-01 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 complaint with CFPB ( Case # XXXX and XXXX ) and received a response from XXXX ( XXXX ) via CFPB on XXXX.Because i disagreed with erroneous response, I decided to call them ( XXXX ) on XX/XX/XXXX at XXXX XXXX and spoke with XXXX.I explained to XXXX that i wasnt allowed to opt out on new terms when XXXX transferred over to XXXX XXXX XXXX card, and according to CFPB on new terms, i have the right to opt out.XXXX  said we sent all paperwork on new terms via email, since i opted out of mail sent to home.While i was on the phone, I told her let me look up my past emails on my computer as we where talking on the phone.After looking for emails, I stated to XXXX, I looked back to XXXX and there is no emails with new terms or anything regarding the new XXXX XXXX XXXX  card.I also stated to XXXX, all i see is is XXXX XXXX XXXX adds.Then XXXX said XXXX ok, we sent the new terms and all paper work with new XXXX XXXX XXXX card.I told XXXX, i did not receive any paperwork with the new card and all i received was the new card.XXXX then said you activated the card! .I told XXXX, I never activated the XXXX XXXX XXXX card cause i didnt want the credit card.I told XXXX to check her records.Then XXXX said, my card was closed for innactivity.I told XXXX, that all  complaint responses from XXXX, XXXX  , equifax , XXXX does not say anything about inactivity.Then XXXX said " we can close your account for any reason at anytime '' .I told XXXX, your back pedaling cause my account was closed for erroneous reasons.XXXX  said, CFPB does not control XXXX XXXX  buisness practices and CFPB is wrong if they say I have the right to opt out if there are new terms.Then XXXX said your card was inactive for 25 months and we reduced your credit when you had XXXX for that reason without me knowing.I told XXXX, something stinks , something is wrong and what XXXX is doing is very wrong.XXXX  stated, we cant help you and parted ways on the phone.Therefore, XXXX closed my account without me knowing during the corona virus pandemic and didnt give me the option to opt out/in on new terms.CFPB states I have the right to opt out/in on new terms.XXXX buisness decision as stated in there response letter, says I dont have a opt out option is violating credit laws and is wrong.And XXXX at XXXX is feeding me a bunch of false information.Because of there actions, this account is closed and this dropped my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: OH

Complaint narrative:
Received an email from my credit union on XX/XX/XXXX XXXX Schools First of California- that my account email had been changed. Went to check my account and someone had been using XXXX to connect to my Savings account, evident through microdeposits and withdrawals. I tried to freeze the accounts with my credit union, but they said they could change all of my accounts except the one that had been compromised, because it held my " stake '' in the credit union. They assured me they would cover any losses, and put a stop payment on XXXX, and told me to keep an eye on it. 

A few days later there were new micro deposits and withdrawals from XXXX. I called the credit union again, and after several hours on hold they told me someone would call me back within five days. I found this insufficient action to protect my life savings, so I asked them to close my accounts. They wired the money to a new account I had opened that day and told me that confirmation of the closed accounts would follow in the mail. I'm not sure if they looked into who accessed my account, but the email address they used was XXXX. They also email bombed my email address the same day they changed my email address in my bank account. 

I'm hoping my identity information has not been further compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
Had emergency XXXX XXXX at XXXX XXXX XXXX XXXX in XX/XX/2018. My account was turned over to collections and then a judgment was filed against me. I had a court date but then received notification that court had been cancelled. A few weeks later I received a Satisfaction of Judgment Against Defendant stating that the debt has been satisfied and paid in full but it is still showing negatively on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: ND

Complaint narrative:
COMENITYCAPITAL/XXXX Account XXXX XX/XX/XXXX-showing 30 days late This credit card has been an absolute headache since I first applied. First, the person at the register that helped me get the account, entered my information ( mailing ) wrong. My card was delayed in coming, and my statement never arrived. Without an accurate account number, I could not sign up for online payment options until several months AFTER the card was issued. 
XXXX had to reverse late fees due to error on THEIR part. I called customer service, which took nearly an hour to get through to someone. Now fast forward to summer 2020, when I finally used the card again, they failed to send me a bill. When the bill finally came, I had a late fee!! I have worked very hard on having positive credit over the past several years, and this is the only late item on my credit report. Why would I neglect such a minimal bill on purpose? And why was this reported on my credit report? This has caused my score to drop. Please help resolve.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-01 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: CA

Complaint narrative:
Im assuming that you either didnt receive my letter I sent on XXXX to this date XXXX over 60 days later I have not received a response about these misleading unverified accounts that are reporting to my credit profile. I understand that you receive thousands of disputes each day but on your website it states to specifically disputes through mail which I did. I demand these accounts be removed immediately and to receive proof that you did an independent investigation on the items that are misleading. Thank you I hope to get a response and information resolved quickly.

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 2021-01-01 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: PA

Complaint narrative:
I am XXXX XXXX, writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-01-01 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
Inquiries : XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- Inquiry from XX/XX/XXXX Telephone Companies XXXX XXXX Inquiry from XX/XX/XXXX XXXX

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

Complaint narrative:
On XX/XX/2020, I sent out a request for verification on several accounts. It has now been over 60 days since that request, and no response has been received for all to the listed accounts

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 2021-01-01 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:
On XX/XX/2020, I sent out a request for verification on several accounts. It has now been over 60 days since that request, and no response has been received for all to the listed accounts

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 2021-01-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/20, I tried to use my Cash app debit card to make a {$75.00} purchase at XXXX. The transaction was declined but it was deducted from my balance anyways. My account history shows that the transaction was declined too. I notified Square but they have not returned the funds to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am XXXX XXXX XXXX  affected by XXXX XXXX pandemic I was very sick not able to work, speak and eat for several time, My wife contacted credit card banks on my name by phone on XXXX XXXX requesting help with payments assistance with my auto loans and credit card payments because COVID 19 pandemic effected me. Home mortgage and auto loans banks and credit cards creditors help me with this request and agree to put my accounts of a DEFERMENT plan FOR 3 MONTHS I was happy with this. BEFORE BEEN INFECTED WITH COVID 19 I NEVER WERE LATE ON MY PAYMENTS I HAVE 100 % ON TIME PAYMENTS RECORD. all my family got infected with this terrible virus our economical situation was very bad we only can be thinking in how to fill better to return at work nothing more. 
Later I found a very unexpected notice my credit cards. XXXX XXXX, XXXX XXXX XXXX AND XXXX THIS THREE BANKS reported late payments on my credit reports Missing payments on XXXX, XXXX and XXXX I mailed several dispute letter to credit report agencies EXPIRIAN, XXXX, XXXX  and to my creditor but they don't want to correct this wrong information they want me to prove them when I called to request help how can I prove it do I have to record every calls? AT THIS TIME I PAID ALL MY LATE PAYMENTS I AM NOT BEHIND I just want to update my account same status It was before differed payments plan I KNOW I am protected by CARES ACT I LOOSE A VERY GOOD JOB OPORTUNITY BECAUSE THIS WRONG MARKS ON MY CREDIT REPORTS I am looking for legal advice to move this to a court room if this banks don't correct this in 30 days. 
Thanks

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 2021-01-01 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I am un essential worker affected by Covid 19 pandemic I was very sick not able to work, speak and eat for several time, My wife contacted credit card banks on my name by phone on XXXX XXXX requesting help with payments assistance with my auto loans and credit card payments because COVID 19 pandemic effected me. Home mortgage and auto loans banks and credit cards creditors help me with this request and agree to put my accounts of a DEFERMENT plan FOR 3 MONTHS I was happy with this. BEFORE BEEN INFECTED WITH COVID 19 I NEVER WERE LATE ON MY PAYMENTS I HAVE 100 % ON TIME PAYMENTS RECORD. all my family got infected with this terrible virus our economical situation was very bad we only can be thinking in how to fill better to return at work nothing more. 
Later I found a very unexpected notice my credit cards. XXXX XXXX, XXXX XXXX XXXX AND BARCLY**XXXX THIS THREE BANKS reported late payments on my credit reports Missing payments on XXXX, XXXX and XXXX I mailed several dispute letter to credit report agencies XXXX, XXXX, XXXX  and to my creditor but they don't want to correct this wrong information they want me to prove them when I called to request help how can I prove it do I have to record every calls? AT THIS TIME I PAID ALL MY LATE PAYMENTS I AM NOT BEHIND I just want to update my account same status It was before differed payments plan I KNOW I am protected by CARES ACT I LOOSE A VERY GOOD JOB OPORTUNITY BECAUSE THIS WRONG MARKS ON MY CREDIT REPORTS I am looking for legal advice to move this to a court room if this banks don't correct this in 30 days. 
Thanks

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 2021-01-01 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: PA

Complaint narrative:
I HAVE UNAUTHORIZED ACCOUNTS AND INQURIES ON MY CREDIT REPORT ACCORDING TO THE FCRA ANY UNAUTHORIZED ITEMS ON MY REPORT MUST BE REMOVED IF NOT 100 % ACCURATE AND VERIFIABLE PLEASE REMOVE THESE ITEMS FROM MY 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 2021-01-01 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$39000.00}, {$48000.00}, {$390.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$39000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$48000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$390.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$39000.00}, {$48000.00}, {$390.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$39000.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$48000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$390.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation