vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-12 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: MA

Complaint narrative:
I have disputed multiple late payment remarks on this XXXX XXXX XXXX account. Account number XXXX. I have sent proof to the bureaus that the late payments are reporting inaccurately and need to be removed and updated

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 2020-01-12 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have disputed multiple late payment remarks on this XXXX XXXX account. Account number XXXX. I have sent proof to the bureaus that the late payments are reporting inaccurately and need to be removed and updated

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 2020-01-12 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: MA

Complaint narrative:
I have disputed multiple late payment remarks on this XXXX XXXX account. Account number XXXX. I have sent proof to the bureaus that the late payments are reporting inaccurately and need to be removed and updated

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 2020-01-12 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:
I have disputed multiple late payment remarks on this XXXX XXXX account. Account number XXXX. I have sent proof to the bureaus that the late payments are reporting inaccurately and need to be removed and updated

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 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: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I have an Amex account reporting as a balance- effecting debt to income, which I have NEVER USED, have access to, or am even aware of, that claims Im an authorized user to. I want it removed from my credit as this was not an account I have authorized. I have no desire to use this credit card from Amex

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-12 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: MA

Complaint narrative:
I have been a customer of this company for a while never missed any payments I recently was hospitalized due to losing my twins and called the company to make a payment plan and use my protection plan to cover my bill. This started XX/XX/2019, I was advised that I was protected and that due to paying for the protection plan they will cover the cost and to maintain my account and that it will report positively still to the bureaus. I recently got an alert the company posted late payments after telling me that i was covered defaming my character.

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 2020-01-12 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: MA

Complaint narrative:
I have been a customer of this company for a while never missed any payments I recently was hospitalized due to losing my XXXX and called the company to make a payment plan and use my protection plan to cover my bill. This started XX/XX/2019, I was advised that I was protected and that due to paying for the protection plan they will cover the cost and to maintain my account and that it will report positively still to the bureaus. I recently got an alert the company posted late payments after telling me that i was covered defaming my character.

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 2020-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have been a customer of this company for a while never missed any payments I recently was hospitalized due to XXXX  my XXXX   and called the company to make a payment plan and use my protection plan to cover my bill. This started XX/XX/2019, I was advised that I was protected and that due to paying for the protection plan they will cover the cost and to maintain my account and that it will report positively still to the bureaus. I recently got an alert the company posted late payments after telling me that i was covered defaming my character.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-12 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: MA

Complaint narrative:
I have been a customer of this company for a while never missed any payments I recently was hospitalized due to XXXX  my XXXX  and called the company to make a payment plan and use my protection plan to cover my bill. This started XX/XX/2019, I was advised that I was protected and that due to paying for the protection plan they will cover the cost and to maintain my account and that it will report positively still to the bureaus. I recently got an alert the company posted late payments after telling me that i was covered defaming my character.

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 2020-01-12 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
this account is reporting late and paid it was never late account XXXX XXXX account number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 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: NC

Complaint narrative:
See attached documents. These accounts have not been validated pursuant to us code title 15 1692g According to us code title 15 1692e a payment is minerals, oils, natural gas.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-12 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have disputed this account several time and ask for proof of debt validationa nd all documents proving that i owe this debt with in the FCRA laws and all the bureau send back is an updated letter. I also disputed with the collector directly and the mail continues to come back as undelivered. 


Company : XXXX XXXX XXXX ACCOUNT NUMBER XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 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: MA

Complaint narrative:
this account is reporting late and paid it was never late account XXXX XXXX account number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 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:
this account is reporting late and paid it was never late account XXXX XXXX account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 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:
this account should not be reporting this account posted after they were paid and levy my wages this is defamation of character and should not be on my report delete this account immediately account SSA/OFFICE of Finance account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 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: MA

Complaint narrative:
UNAUTHORIZED INQUIRY COMPANY UNRESPONSIVE COMPANY : XXXX XXXX   ON XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
UNAUTHORIZED INQUIRY COMPANY UNRESPONSIVE COMPANY : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
UNAUTHORIZED INQUIRY COMPANY UNRESPONSIVE COMPANY : XXXX XXXX  ON XX/XX/2019

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 2020-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
UNAUTHORIZED INQUIRY COMPANY UNRESPONSIVE COMPANY : XXXX ON XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 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: MA

Complaint narrative:
UNAUTHORIZED INQUIRY COMPANY UNRESPONSIVE COMPANY : XXXX ON XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
UNAUTHORIZED INQUIRY COMPANY UNRESPONSIVE COMPANY : XXXX XXXX ON XX/XX/2019

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 2020-01-12 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: IL

Complaint narrative:
REMOVE FRAUD ALERT OFF EQUIFAX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
REMOVE FRAUD ALERT OFF XXXX, TRANSUNION, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-12 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
REMOVE FRAUD ALERT OFF XXXX, XXXX, EXPERIAN

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 2020-01-12 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Citi case ID : XXXX I purchased a new XXXX XXXX XXXX from XXXX XXXX XXXX on XX/XX/XXXX for the amount of {$1200.00}. When I received the package feels empty so I took a precaution video when open it. As expected, there only an empty old XXXX box inside the package. I opened the dispute with XXXX for return and refund. Within a few days, they closed my XXXX account and closed the dispute in their favor and denied my refund. 

I turned to Citi cards for dispute and provide them with all the documents, receipt, tracking number for return the package to the merchant and video links to show proof of item received is not as advertised. 

On XX/XX/XXXX, Citi cards completed their investigation and denied my dispute. They also threatened me to pay the disputed amount in full to avoid any past due to my credit report. 

Here is the link to the proof video that I took when open the package from ebay showing there only empty old box inside the package : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PMAB,LLC
State: NC

Complaint narrative:
Why debt sent after almost 2 years ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Risecredit, LLC
State: CA

Complaint narrative:
THIS COMPLAINT AGAINST XXXX  AND RISE/XXXX demands CFPB attention for prosecution.RISE /XXXX  in XXXX told the CFPB that the Supreme Court decision in XX/XX/2018in California did not apply to them.An untrue statement since the decision ( attached ) applies to all consumer loans over {$2500.00} originated in California XXXX 
The Supreme Court says this RISE LOAN, ACCT XXXX Appearing on XX/XX/XXXXis " unconscionable '' as to it's rate of interest ( about 160 per cent APR ) and violates CALIFORNIAS UNFAIR COMPETITION LAW contained in CALIFORNIAS BUSINESS AND PROFESSIONS CODE.Another false statement of Rise in their attached CFPB response says that the loan was a refinance not a new origination.Although I had paid off a RISE loan 6 months before this was a new origination, {$3500.00} at {$260.00} bi -weekly repayments for 15 months ... ( calculates to over 160 % APR, the SUPREME COURT SAID THAT 96 % AND 135 % APRS WERE UNCONSCIONABLE IN THE DE LA TORE VRS CASHCALL INC. case decided by them. 
THIS SUPREME COURT DECIDED THAT RISE BUSINESS AND BUSINESS PLAN OF UNCONCIONABLE RATES IS ILLEGAL UNENFORCEABLE, PROSECUTABLE IN CALIFORNIA. 
A CLASS ACTION CASE AGAINST RISE IS LIKELY COMING SOON ENTIRELY BASED ON THE SUPREME COURT DECISION OF XXXX XXXX XXXX LAW OR THE PRINCIPLE OF XXXX IS NOW OVER. 
MY LOAN SHOULD BE DELETED AS UNCOLLECTABLE IN ANY COURT OF LAW, DUE TO UNCONSCIONABLE INTEREST RATE AND OTHER RISE BUSINESS TACTICS. 
EXPERIAN IN THIS CASE CAN NOT EXEMPT THEMSELVES AS MERELY A REPOSITORY.EXPERIAN MUST ACT TO DELETE THIS LOAN DETERMINED BY THE HIGHEST COURT IN CALIFORNIA AS " UNCONSCIONABLE '' DUE TO ITS INTEREST RATE, AND THEREFOR EXPERIAN CAN NOT BE USED AS A COLLECTION TOOL OF XXXX RISE WANTS TO SUE, GO AHEAD, '' BE MY GUEST '' THE CROSS-ACTION WOULD BE WONDERFUL FOR ME ( $ $ $ $ $ XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: GA

Complaint narrative:
about three years ago, in XX/XX/XXXX, XXXX XXXX XXXX sent me a bill saying i still owed them XXXX but i had paid it already and move away. a collections agency,. Enhanced Recovery Co L, started sending me stuff in XX/XX/XXXX, claiming i had just opened that account and defaulted. 
last year, XX/XX/XXXX, around XX/XX/XXXX or so, they dropped it, then resubmitted it this year on XX/XX/XXXX. so now it starts all over again. 
this is just XXXX. can they keep doing this? i do NOT owe this money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 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: I.Q. DATA INTERNATIONAL, INC.
State: MI

Complaint narrative:
In XX/XX/2014I moved out of an apartment complex. Provided the complex with ample time/notification per my contract. [ 30days ] The property manager at the time was well aware that I  would not be renewing my lease. I was relocating from the state for another opportunity. While, living in this complex I filled chapter XXXX bankruptcy which did not affect me paying rent on time. I say this to say I never checked my credit report from XX/XX/2014until now because I didnt have credit due to beinc in chapter XXXX. 5yrs later I I findout there was a debt sold to a collection agency for the apartment complex I lived in. They stated the debt is owed because I didnt give them enough notice that I was not renewing my lease. They also charged cleaning fees. When I left the apartment was clean and I have photos to prove this. There are charges for subletting the apartment and also a charge for a prorated rent. In total the debt equaled {$1500.00}. Now with the agency involved that purchased the debt the total is {$2200.00}. I have tried to resolve this issue with the agency. They wont provide amy documentation on this debt and informed they dont have to. My issue is they can't possibly have any documentation to prove this is an owed debt. Did I live in the XXXX XXXX ..Yes! Did I give them written and verbal notice I was not renewing my lease ... Yes!  To me this is a word vs. Word issue where the consumer is getting the short end of the stick. This is now on my credit report and negatively affecting my score and credit history. I need help! This debt is not justifiable nor is it fair. There has to be a way to stop this type of predator behavior by companies against consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: OK

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation