vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-14 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: SC

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into 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 2022-03-14 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: MEI AUTO FINANCE INC
State: TX

Complaint narrative:
XXXX shows a balance of {$7400.00} ( Account opened XXXXXXXX ) I contacted the company 3 times via telephone & 2 times via mail requesting the VIN # of the vehicle and the amount the vehicle was either resold for or sold at Auction for and notifying them that legally that amount had to be removed from my remaining balance - The company refused to give the requested information - Also refused to adjust the balance. 

Request that the balance be adjusted /corrected and or removed from my credit report

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I have issues with XXXX and a reporting that continues there is a old account closed in XXXX still reporting and they even reported it first being major delinquent in XXXX I asked to get this deleted every month it is adding remarks to my account and dropping my credit score 42 points this month 36 last month and 31 in XXXX please delete this account from my reporting agencies I called both XXXX multiple times and synchrony bank and both were rude and denied my request.

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 2022-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
When I did my taxes in XXXX for the Year XXXX I found Credit Card opened that I did not. I contacted the Credit Cred Companies to dispute the Card and verified that I did not have anything to do with the Card being open. For months I called and disputed the Card over and over. I even disputed the Card on XXXX. All I head back is that the dispute was found I was accountable for the Card. This has been going on for years now and need them to be removed from my Credit Reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cascade Capital, LLC
State: CA

Complaint narrative:
Please reference complaint ID XXXX. It has been closed by the company. Though it did provide additional information it is without resolution so I am trying to get clarification as to my knowledge XXXX has closed and has no direct way to reach them. The last email I was able to receive regarding my bill from XXXX in XX/XX/2019 stated the physician claim was billed incorrectly and was being appealed. Afterwards I only received a facility fee bill and have never received any bills about a physician fee. I contacted XXXX  today to get clarification on the physician portion as I no longer have access to the claims since they are over 24 months. They also stated the physician fees was processed incorrectly so they will be refiling which can take up to 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I received a Dept Balance of XXXX from Portfolio Recovery Associates , LLC. 

The Dept was charged by XXXX XXXX XXXX. 

The purchases were made outside of the state I live in & I have never had a XXXX XXXX Bank account. 

Please help resolve this issue. 

Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Approximately 3 months ago my credit report started not being able to pull from XXXX XXXX XXXX identity iq or any creditor trying to pull my report, i am contacting because i've exhausted myself calling customer support with no luck or positive action taking steps. When this first started happening i was only able to pull myreport on my login with XXXX as the email this started only reporting XXXX or so things which is very inaccurate i then made another login with the email XXXX and everything fully pulls on there and shows perfectly fine. i'm seeing what you're able to do to correct this situation because i've been trying to purchase a house and am unable to because they can not verify equifaxes report. like i have previously stated i've exhausted myself with multiple letters and phone calls. My next steps are to file suit if this isn't fixed in a timely manner.uploaded my XXXX report which should reflect the same information on my equifax report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: OH

Complaint narrative:
I checked my credit report and recognize that there were some unauthorized inquiries on my XXXX, and equifax credit report. 

XXXX. XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Someone stole my information. I have no knowledge of this, and the address is non existent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Twice, I have mailed letters requesting inaccurate information be removed from my file in Transunion 's office. I sent my requests with proof of ID and verified my SSN, my address, the current date, as well as clearly stated my request, my objective, my ID, and anything else. Twice, Transunion mailed generic notices back acknowledging that " someone '' tried to access my file but since they couldn't verify my identity they won't do anything. These notices do not say what I could have done differently to get my request processed. I sent a copy of my driver 's license both times. When I call them, I am unable to speak to any live representatives and the automated system have no helpful options for me. I have since suffered adverse action directly related to Transunion 's holding inaccurate personal and financial info, and my inability to fix it with. I was denied renting a house because the managing office uses Transunion. The second time I mailed my request to them I verified that it was me trying to request removal of bad info from my file in their office, and again they mailed a generic response that they can't verify my identity, even though I mailed a copy of my driver 's license. This is beyond frustrating, stressful, and it causes my XXXX  to go through the roof!! I need help because I can't get through to anyone at Transunion and they are wasting my time through the mail system.

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 2022-03-14 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: TN

Complaint narrative:
the Account for XXXX is XXXX XXXX  non-compliant. The account number is incomplete therefore this account violates FCRA for reporting incomplete and inaccurate information. This account has also been paid in full for over six months. Metro 2 says an account paid in full can not report over six months from payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: TX

Complaint narrative:
Spoke with multiple representatives about inquiries on my credit report provided them with the FCRA information that was provided and was advised there is nothing that can be done. Soke with the companies that have the inquires on my report and there is no paper work with my signatures.

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 2022-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
There is a need to reopen the company 's response to Complaint XXXX which was closed prematurely. The company claims that it complied with the validation requirements of 15 USA 1692 by dismissing the requirements a low standard. However, most of the obligations the company alleges to be due from XXXX XXXX do not identify the creditor at all. The following claims have been reported to the credit reporting agencies for which XXXX XXXX never received any billing or explanation - including the actual creditor - listed as follows : XXXX XXXX {$850.00}, XXXX XXXX XXXX {$300.00}, XXXX XXXX {$760.00}, Credit Control Corp {$61.00}, Credit Control Corp {$84.00}, XXXX XXXX XXXX {$87.00}, Credit Control Corp {$150.00}, Credit Control Corp {$240.00}, Credit Control Corp, {$300.00} and Credit Control Corp {$760.00}.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received a Dept Balance of XXXX from XXXX XXXX XXXX, XXXX. 

The Dept was charged by CAPITAL ONE BANK. 

The purchases were made outside of the state I live in & I have never had a Captial One Bank account. 

Please help resolve this issue. 

Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Approximately 3 months ago my credit report started not being able to pull from XXXX XXXX XXXX XXXX XXXX or any creditor trying to pull my report, i am contacting because i've exhausted myself calling customer support with no luck or positive action taking steps. When this first started happening i was only able to pull myreport on my login with XXXX as the email this started only reporting 2 or so things which is very inaccurate i then made another login with the email XXXX and everything fully pulls on there and shows perfectly fine. i'm seeing what you're able to do to correct this situation because i've been trying to purchase a house and am unable to because they can not verify equifaxes report. like i have previously stated i've exhausted myself with multiple letters and phone calls. My next steps are to file suit if this isn't fixed in a timely manner.uploaded my XXXX report which should reflect the same information on my equifax report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: FL

Complaint narrative:
Facts : The Bank in Question is named XXXX XXXX Bank aka the XXXX XXXX XXXX 's payment was reported as 60 days past due Bank has my correct email & mailing address on file. 
Bank has my business line, with a robocall blocker, as my primary contact number. 
XXXX Mortgage payment was received and withdrawn from my account on time. 

On XX/XX/22 I contacted customer care because my credit monitoring service notified me of a delinquent account. After speaking with XXXX @ customer service, she found that the XXXX payment was made on time AND withdrawn from my account, but it was short by around {$100.00} due to an increase in the payment due. It seems there was an escrow shortage I wasnt aware of. She informed me that the funds were being " held '' in a suspense account instead of being applied to my loan. 

I immediately made a payment for the shortage AND another payment to cover what would be a XXXX shortage. My payments are automatically paid by my Banks BillPay service, so XXXX payment was already issued. She assured me that the late fee would be waived and that the delinquencies would be removed from my credit by XX/XX/22. I spoke with 3 other XXXX XXXX representatives, over the course of 3 weeks, that assured me the issue would be resolved, but nothing was done, nor did I hear back. On my final call, I told the agent that I would be contacting the CFPB if I did not hear from someone regarding my issue. After a few days, I got a call from the XXXX of Customer Relations, who is named XXXX. She explained that she reviewed my case, payment history, and spoke with her credit department. While she agreed XXXX XXXX received the funds on time, they are still considered late due to the shortage, and they were not willing to do anything to remove the delinquency from my credit. I argued that : 1. I was never called. XXXX said I was called 9 times but I never received them due to the robocall blocker. 2. I was never emailed, which is my primary form of communication, and the way I receive my statements 3. I was notified by mail AFTER the delinquency was reported. 4. The funds were not rejected or returned to me. My primary argument is that if the funds are accepted and withdrawn from my account then the payment can not be late. It is my belief that a partial payment is still an on-time payment, especially when it's 95 % paid. If nothing more, a human being could have contacted me to notify me that I had a shortage. 

I can provide documentation evidencing the on-time payment, but that's not really being disputed by either party. It's that a partial payment, being held by the bank, should not be considered late without being rejected or refunded. If further documentation is needed please let me know so I can provide them. I've kept records of my payment history, bank statements, emails to the bank, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
On XXXX XXXX, I opened a new account with Huntington Bank only had and account with XXXX XXXX that transferred their accounts to Huntington.

I never personally applied for a Huntington account until XXXX XXXX At that time I was promised {$150.00} if I made a deposit for {$1000.00} within 60 days and in 90 days if the account was in a open status. Within 14 days the {$150.00} would be deposited into my account ending XXXX.

I spoke with several people that the calls were recorded in XX/XX/2022 that I would received those funds. 

Never received the funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-14 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: PA

Complaint narrative:
I have been disputing bankruptcies with Transunion, XXXX and XXXX and they have stated that they investigated with the court and they said that the bankruptcies are accurate so, I contacted in writing the court and asked how they verified to the XXXX major reporting agencies Transunion, XXXX and XXXX that the bankruptcies should remiain. and they sent a letter stating that they do not report to any credit reporting agency.

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 2022-03-14 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: TX

Complaint narrative:
XXXX shows a balance of {$7400.00} ( Account opened XXXX ) I contacted the company 3 times via telephone & 2 times via mail requesting the VIN # of the vehicle and the amount the vehicle was either resold for or sold at Auction for and notifying them that legally that amount had to be removed from my remaining balance - The company refused to give the requested information - Also refused to adjust the balance. 

Request that the balance be adjusted /corrected and or removed from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-14 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: TX

Complaint narrative:
XXXX shows a balance of {$7400.00} ( Account opened XXXX ) I contacted the company 3 times via telephone & 2 times via mail requesting the VIN # of the vehicle and the amount the vehicle was either resold for or sold at Auction for and notifying them that legally that amount had to be removed from my remaining balance - The company refused to give the requested information - Also refused to adjust the balance. 

Request that the balance be adjusted /corrected and or removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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:
XXXX shows a balance of {$7400.00} ( Account opened XXXX ) I contacted the company 3 times via telephone & 2 times via mail requesting the VIN # of the vehicle and the amount the vehicle was either resold for or sold at Auction for and notifying them that legally that amount had to be removed from my remaining balance - The company refused to give the requested information - Also refused to adjust the balance. 

Request that the balance be adjusted /corrected and or removed from my credit report

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