vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-18 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:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Shows a recent payment of {$51.00} updated XX/XX/XXXX causing my scores to drop XXXX points each month. Last payment reported is XX/XX/XXXX. I have reported this on numerous occasions and filed multiple complaints with CFPB and all credit reporting agencies. This company is constantly reporting inaccurate data and affecting my credit profile as well as my credit score. This account is to be permanently removed off my credit profile due to multiple monthly reporting errors. I have file multiple disputes with Experian, XXXX and XXXX over this inaccurate credit reporting with this company. They are willfully violating the FCRA. I will also be making a complaint to FTC and XXXX. If this account is not removed I will be reaching out to a consumer rights attorney and filing a lawsuit in regards to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
i have noticed some late payments in my report.I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. The items in question are : XXXX XXXX CO ACCT # XXXX, XXXX XXXX XXXX BANK ACCT # XXXX, XXXX XXXX XXXX XXXX XXXX ACCT # XXXX. I do not consent to XXXX or any means of automated verification, so conduction this investigation the proper way.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I have submitted several disputes via mail and online over last 6 month regarding the below inquires on my credit report. I have in no way authorized these companies to pull my credit and demand they be removed. There is also pending litigation regarding these inquires with XXXX, Equifax and XXXX. In the mean time, please have all hard inquires listed below removed asap per the law! Its holding me back. 

Creditor Name Date of inquiry Credit Bureau XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX  XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX  XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX  XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX 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 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 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 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX / XXXX / {$0.00XXXX XXXX XXXX / XXXX / {$2400.00} XXXX XXXX XXXX / XXXX XXXX {$570.00} XXXX CARD / XXXX / {$880.00} 15 U.S. Code 1681XXXX - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the adate on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Rosebud Economic Development Corporation
State: HI

Complaint narrative:
I applied for a payday installment loan from Big Star Credit ( Henceforth BSC ) on XX/XX/2022 and was approved for the amount of {$500.00}. When I was applying, the application had an area which asked if I Did or Did Not approve the use of ACH payments ( ACH Authorization ). When I initially filed the application, I selected that I did NOT authorize ACH transactions as my payment method, and went to submit my Application. At that time, I was given an error message saying that the " Form could not be submitted, '' as XXXX did not accept applications where ACH authorization is not selected. Therefore, since I needed the loan I went back and selected that I DID authorize these ACH transactions despite not originally wanting to. After the application was submitted, I was shown a payment schedule and given my terms and accepted the loan. Fast forward to now, it is XXXX XXXX. I have made my first XXXX payments successfully, allowing for the ACH transactions to process. Since I still did not feel comfortable with them, I wrote to the BSC support line and officially revoked my ACH authorization. When I did so, they wrote back accepting my revocation, but also, they included in the email language that suggested that they would consider this as intent not to pay or fulfill my financial obligation unless I called them before my next payment to set up a new payment process. In fact, the exact language suggests that they are now expecting me to pay the loan in full and demanding this, as I no longer allow them to withdraw the funds through ACH. 

I informed them that while I do need to make sure each payment is made on time, I am not required to allow for ACH transactions as a form of payment, and that so long as I respect the original payment schedule, I was still adhering to the agreement I signed in terms of payment. Their message threatened negative reporting to the major credit bureaus as well as possible legal action should they determine that I had a " failure to pay '' and that I needed to call them asap to schedule new payments. To this degree, I again responded that I am following my legally granted rights and that if they chose to press this further I would report these actions to the proper authorities. 

Unfortunately, while I have the email where they made these statements, I do not have a way to provide proof of their requirement for ACH authorization as this step is only available during an application. However, I would urge the proper authorities to investigate this issue as this is a violation of consumer protections.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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:
Section 605b of the Fair Credit Reporting Act requires bureaus to block from display, all items received that are fraud : 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of I have disputed a number of items of fraud after my identity was stolen ... ALL these items remain on my file. They are as follows : 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 of MO ( XXXX ) XXXX XXXX XXXX  XXXX ) XXXX XXXX ( XXXX ) XXXX  ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I just got billing problems on my credit card from CapitolOne. It was started since XX/XX/XXXX. But it have been resolved this issues about two times in a row! There are four different payments involved. I just gave screenshots of the payment status. The fraud department tried to resolve this situation but never will resolved. It was from XXXX XXXX in XXXX, California. Let me know soon to discuss with this matter. Thank you very much!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: AL

Complaint narrative:
I called Transunion multiple times to update my credit report with the information provided. They ignored my attempts to fax, email, and give direct communication with the government agency to update a negative account. The account was a pay for deletion account with XXXX. The agent simply told me they don't have the power to add or remove information from a credit report. When I referred to their own guidelines of updating the information. The agent removed himself from the conversation. The second agent told me why would the other credit agencies remove the account and not their own if they requested the removal of the account. I told the agent that would be a question for them to answer. As XXXX provided proof that they sent request to all three credit agencies. With the account no longer showing on XXXX and XXXX. They refused to take my documentation online, fax, and email. Telling me to mail it in. This is simply bullying at its finest and really frustrating. As we the American public have no way of enforcing them to comply with FCRA guidelines.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I am a retired Veteran who is 100 % Permanently and Totally XXXX. My mortgage has been sold on XXXX occasions and landed with FREEDOM MORTGAGE currently. 

Since XXXX of 2021, XXXX has been attempting to escrow for property taxes that I am exempted from paying in the state of Florida. I have sent them on several occasions, the documentation that reflects my exemption, however, they have repeatedly ignored the exemption and continue to add to the escrow amount for taxes. 
Freedom Mortgage fails miserably in serving Veterans and takes advantage of their muddled and delayed processes to get resolution on such matters. They have attempted to change the parameters of the original loan and are in violation of federal laws that are designed to protect Veterans against such surreptitious lenders

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: GA

Complaint narrative:
Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX-Date of inquiry XX/XX/2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RevMD Partners, LLC.
State: SC

Complaint narrative:
I give authorization for the cfpb to move forward with this compaint as the following company have invaded my privacy and XXXX by obtaining my medical records. Please see the attached documents as it contains the full complaint and my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: Possible Financial Inc
State: FL

Complaint narrative:
I at one point had a loan with possible finance. So kind of way the loan defaulted. Nevertheless, I reached out to possible finance and requested a pay for delete. I am showing that this account was removed from XXXX and XXXX. However, its still showing on my XXXX report. Im trying to purchase a home and Im begging your company to please remove this account from my XXXX ifs drastically affecting my score please and thanks

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
Unauthorized inquiry to my consumer report ; demand for {$1000.00} settlement To : TD AUTO FIN on XX/XX/XXXX You are in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully obtaining my XXXX, XXXX, and/or XXXX consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the FCRA provides . A person shall not use or obtain a consumer report for any purpose unless -- - ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; I did not give written instruction and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). XXXX XXXX XXXX 260 F. Supp 2d 711 ( S.D. Ind. XXXX  ). 
I have not initiated any transaction with [ TD AUTO FIN ]. Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with TD AUTO FIN for review or collection. Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
My personal account is blocked from XX/XX/2022. The reason was that I'm not the owner of a phone number I'm using for banking. I called the bank and also went personally to the branch. They told me that they can't unblock my account until I receive from them a special code that is sent via traditional mail. I've been asked to wait 7-10 days to get it, but also they told me that they already sent this letter to me, so I should get it very soon. But after two weeks I still haven't received it. Now they are asking me to wait longer but I don't know for what? I have bills to pay and I have to use my savings that I have on polish bank account, so they produce me more costs for changing currency, and the only thing they can say to me is to wait more, but no one knows for how long it would be.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I received a letter from Chase bank regarding my checking account. I've had the account for a long time. 
The letter I received in XX/XX/2022 said my checking account will be closed on XX/XX/2022. 
As of today, it's still open but I can not get an answer from employees as to why it's being closed. 
I've had overdrafts in the past, but not for many months. 
I've called my local branch and talked with the bank manager the first week of XXXX, XXXX. He can not tell me the reason. 
I've called customer service XXXX  since XX/XX/XXXX. No body will tell my why, or they transfer me to someone else who can not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: GA

Complaint narrative:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX {$5400.00} XXXX XXXX {$0.00}

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 2022-02-18 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: GA

Complaint narrative:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian and XXXX Credit Bureau failed to comply with the XXXX and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX {$5400.00} XXXX XXXX {$0.00}

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