vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I called transunion XXXX XXXX cause someone use my social security number it was some inquiries I sent in the information they ask for XXXX they still didn't remove the 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 2022-01-30 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: OK

Complaint narrative:
I XXXX XXXX is submitting this dispute on my own behalf because I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. this is not a regular dispute I have filed a complaint with the federal trade commission and better business bureau because to my knowledge I do not recall any of these accounts. I need this problem fixed asap i will not wait another 50 days to receive no response because dearly yawl ignoring me. i demand these accounts be deleted immediately or ; will file for litigation due to the stress you caused me. Section 611 ( a ), it is plainly slated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been 50 days so they should be deleted promptly. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Weber & Associates, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX : I received a letter from Weber & Associates, a debt collection agency, stating that a medical bill from an emergency room visit that I had on XX/XX/XXXX had been sent to them for collections and now owed {$890.00}. I had been trying to dispute this bill directly with the hospital and was still awaiting an itemized receipt from them, so I was surprised to receive a notice of collection already. At this time I was already in communication with the hospital itself. 

XX/XX/XXXX : XXXX XXXX, an employee of Weber & Associates, contacted me over the phone about this supposed debt. I let him know that I was currently disputing it with the hospital and also asked him to explain why I had been sent to collections. Upon learning that I was in the process of disputing the bill, he asked me to send a letter to formally inform Weber & Associates that I was doing this. I told him I understood this and said to expect a letter from me. After this call, I drafted a letter formally asking Weber & Associates to validate this debt and pause all debt collection during this period. I sent this letter through certified mail. 

XX/XX/XXXX : According to the USPS Certified Mail Tracking number, my letter was picked up at the post office. 

XX/XX/XXXX : This is the date of the next communication ( letter ) that I received from Weber & Associates. In this letter, they claimed that I did not dispute the validity of the debt, even though they received my letter clearly stating that I was disputing it. The letter also specified that because of interest, I now owed {$900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 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: General Motors Financial Company, Inc.
State: NV

Complaint narrative:
I have a vehicle financed with GM Financial but I got several inquiries from GM Financial in my credit report and I authorized to have my credit pulled one time only. 
Please see the following hard pulls and credit inquiries in my credit report : XXXX XXXX  XXXX XXXX ) - XX/XX/XXXX GM FINANCIAL ( Finance ) - XX/XX/XXXX GMFINANCIAL ( Finance ) - XX/XX/XXXX GM FINANCIAL ( Finance ) - XX/XX/XXXX GM FINANCIAL ( Finance ) - XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I called XXXX XXXX equifax cause someone use my social security number it was some inquiries I sent in the information they ask for XXXX they still didn't remove the items from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 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: CA

Complaint narrative:
My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. this is not a regular dispute I have filed a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed asap i will not wait another 50 days to receive no response because dearly yawl ignoring me. i demand these accounts be deleted immediately or ; will file for litigation due to the stress you caused me. Section 611 ( a ), it is plainly slated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been 50 days so they should be deleted promptly.

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 2022-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Company not following FCRA guideline when it comes to reporting and validation. I sent this company 5 letters for a validation of debt over a 6 month period. Received no response. In legal terms meaning you have 30 days to respond in which Ive yet to receive anything. They continuously keep re-aging the account and keep reporting negatively to the 3 credit bureaus. They even have the account set as open when its closed which from my understanding is in fact ANOTHER error. This company is violating my consumer right to privacy pursuant to 15 USC 168 1b2. Company also has No permission to report ANYTHING using my info.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 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: CA

Complaint narrative:
My information was also impacted by the equitax data breach and may have got into the hands of the wrong person. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. this is not a regular dispute I have filed a complaint with the federal trade commission and better business bureau because to my knowledge I do not recall any of these accounts. I need this problem fixed asap i will not wait another 50 days to receive no response because dearly yawl ignoring me. i demand these accounts be deleted immediately or ; will file for litigation due to the stress you caused me. Section 611 ( a ), it is plainly slated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been 50 days so they should be deleted promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
All those addresses, names, ss numbers are not mine!!!!!! My name is not XXXX XXXX. My ss number ends with XXXX, not XXXX, not the other one either. I never lived most of those places you said I did. You were not in my life you dont know where I lived, IT WAS NOT AT ALL THIS PLACES YOURE SAYING ITS A LIE

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 2022-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
Please if someone could look into my school loans ; I have made numerous attempts. Previously I was set up with a payment arrangement of 2 years and not either of the payments were ever applied to my school loans. This amount was drafted out of my bank account each month for 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have placed a formal complaint with the CFPB in regards to Chase Mortgage. The complaint was made on or about XX/XX/2021. My request was to have my mortgage properly reported to the credit bureaus. Chase contacted me the next day stating that they complaint would be reviewed. I provided Chase with the documentation requested to get the credit report corrected. Then sent the information on the payments to the credit bureaus based on the recommendation of Chase Bank. A letter was mailed with the document requested to reaffirm the loan and the bank claimed that they did not obtain the document by mail. The steps after that I contacted Chase and submitted the reaffirmation via electronic upload. This was done three times and was advised that the documents were received but every time the bank was contacted a representative gave information that conflicted and has not been resolved. I have contacted the Bank over 7 times by phone and submitted 2 uploads to the secure message and sent four messages back. The bank is aware that I want to get my credit properly reported on the credit reports. The request has been delayed either on purpose or to unlawfully harm me as the actions have hurt my credit report. I am seeking that my credit report be corrected immediately. Chase does not want to update my loan as they are keeping me hostage with a lower credit score. I was advised that the reporting of the loan with a reaffirmation would resolve the matter and raise my score and allow me to qualify for lower rates. In the last month the interest rates have increased and the bank continues to not correct the issue. The bank is using their power to abuse the system and fraudulently not report my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have placed a formal complaint with the CFPB in regards to XXXX XXXX The complaint was made on or about XX/XX/2021. My request was to have my mortgage properly reported to the credit bureaus. XXXX contacted me the next day stating that they complaint would be reviewed. I provided XXXX with the documentation requested to get the credit report corrected. Then sent the information on the payments to the credit bureaus based on the recommendation of XXXX XXXX. A letter was mailed with the document requested to reaffirm the loan and the bank claimed that they did not obtain the document by mail. The steps after that I contacted XXXX and submitted the reaffirmation via electronic upload. This was done three times and was advised that the documents were received but every time the bank was contacted a representative gave information that conflicted and has not been resolved. I have contacted the Bank over 7 times by phone and submitted 2 uploads to the secure message and sent four messages back. The bank is aware that I want to get my credit properly reported on the credit reports. The request has been delayed either on purpose or to unlawfully harm me as the actions have hurt my credit report. I am seeking that my credit report be corrected immediately. XXXX does not want to update my loan as they are keeping me hostage with a lower credit score. I was advised that the reporting of the loan with a reaffirmation would resolve the matter and raise my score and allow me to qualify for lower rates. In the last month the interest rates have increased and the bank continues to not correct the issue. The bank is using their power to abuse the system and fraudulently not report my payment history.

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 2022-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have placed a formal complaint with the CFPB in regards to XXXXXXXX XXXX. The complaint was made on or about XX/XX/2021. My request was to have my mortgage properly reported to the credit bureaus. XXXX contacted me the next day stating that they complaint would be reviewed. I provided XXXX with the documentation requested to get the credit report corrected. Then sent the information on the payments to the credit bureaus based on the recommendation of XXXX XXXX. A letter was mailed with the document requested to reaffirm the loan and the bank claimed that they did not obtain the document by mail. The steps after that I contacted XXXX and submitted the reaffirmation via electronic upload. This was done three times and was advised that the documents were received but every time the bank was contacted a representative gave information that conflicted and has not been resolved. I have contacted the Bank over 7 times by phone and submitted 2 uploads to the secure message and sent four messages back. The bank is aware that I want to get my credit properly reported on the credit reports. The request has been delayed either on purpose or to unlawfully harm me as the actions have hurt my credit report. I am seeking that my credit report be corrected immediately. XXXX does not want to update my loan as they are keeping me hostage with a lower credit score. I was advised that the reporting of the loan with a reaffirmation would resolve the matter and raise my score and allow me to qualify for lower rates. In the last month the interest rates have increased and the bank continues to not correct the issue. The bank is using their power to abuse the system and fraudulently not report my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 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: MA

Complaint narrative:
EQUIFAX is in violation of FCRA and is civilly liable for willful noncompliance for failing to comply with a BLOCK request despite received the supporting identity theft documents. 
On XX/XX/2022, I submitted a BLOCK request to EQUIFAX regarding fraudulent account, XXXX XXXX, that is on my credit file. As per 15 USC 1681c-2, once a Credit Reporting Agency receives a lawful identity theft report it must BLOCK the fraudulent account within four business days, which it failed to do. 
Instead, EQUIFAX responded to me on the sixth day stating that my dispute results were available online. The results, posted on your portal, came in the form of a credit file, which states that the XXXX XXXX account was verified as mine. With that said, I am requesting that EQUIFAX provide me with a description of the procedure used to determine that this account is actually mine. 
Also, by EQUIFAX making the claim that the account has been verified as mine, are you declining to BLOCK the fraudulent account? 
As per 15 USC 1681c-2 to decline a block you must have reasonably determined : ( A ) a block was requested by the consumer in error ; ( B ) a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 
EQUIFAX must provide material proof for points A through C that resulted in a reasonable determination to decline block.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 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: IL

Complaint narrative:
I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. this is not a regular dispute I have filed a complaint with the federal trade commission and XXXX XXXX XXXX  because to my knowledge I do not recall any of these accounts. I need this problem fixed asap i will not wait another 50 days to receive no response because dearly yawl ignoring me. i demand these accounts be deleted immediately or ; will file for litigation due to the stress you caused me. Section 611 ( a ), it is plainly slated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been 50 days so they should be deleted promptly. My information was also impacted by the equitax data breach and may have got into the hands of the wrong person.

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 2022-01-30 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: IL

Complaint narrative:
I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. this is not a regular dispute I have filed a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed asap i will not wait another 50 days to receive no response because dearly yawl ignoring me. i demand these accounts be deleted immediately or ; will file for litigation due to the stress you caused me. Section 611 ( a ), it is plainly slated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been 50 days so they should be deleted promptly. My information was also impacted by the equitax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
I feel like I am in a living XXXX! I am beyond angry and frustrated with Bank of America! I sold my plasma at XXXX XXXX in XXXX ID. The money went on a Bank of America prepaid debit card.. On XX/XX/2020, at age XXXX, I aged out of being able to sell my plasma. I shredded my prepaid card.. Ever since then, I have gotten statements EVERY MONTH CHARGING ME FEES. I tried to stop the statements. I got told that it was up to XXXX to cancel the card. I went back and forth between XXXX and Bank of America for months. I was told by XXXX that it was taken care of. Still recieved statements. XXXX cc 'd me on an email they sent to someone supposedly at Bank of America. Got no response from that email. What's interesting is that fees got taken off my statement, but then I would get charged the next {$1.00} fee. I thought maybe after a year they might stop billing me. No such luck. I finally called the customer service number on the statement. Called got as far as escalations. Said it was taken care of. Still got statements with new fees. Called again last month got to escalations again, spoke to XXXX in Tennessee. She put me through to an escalations supervisor XXXX in Texas. He assured me that the matter would be taken care of and I wouldn't get any more statements. Well low and behold I got another statement. The previous fees had been erased, but they added a new {$1.00} fee. I finally decided to go to a consumer protection agency, you. Please help, I have been fighting this for almost a year and a half!

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