vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I filed bankruptcy XXXX XXXX and XXXX XXXX ago. I have a family of XXXX that I moved down to Florida for a better job. I have received a couple promotions since moving here. Please remove the bankruptcy from my report asap. This is preventing me from securing a reasonable loan rate In an already tough housing market in Florida and the economys state.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I filed bankruptcy XXXX XXXX and XXXX XXXX ago. I have a family of XXXX that I moved down to Florida for a better job. I have received a couple promotions since moving here. Please remove the bankruptcy from my report asap. This is preventing me from securing a reasonable loan rate In an already tough housing market in Florida and the economys state.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: Elevate Recoveries, LLC
State: TX

Complaint narrative:
I have requested that this company remove this improper use of my account information. I am a XXXX vet and I have tried disputing this information several times. Reporting of this account violates 15 USC 1681g ( 3 ) and the VA missions act 2018. It also violates my rights as a consumer to furnish my information without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase refuses to cancel the " XXXX XXXX '' service I never signed up for because I have no active accounts with them. I closed out and paid off all balances due so when I call they can not find an account to remove me from this service. I have tried 5 times to talk to someone and no one can remove me from their list. I do not authorize this service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: AZ

Complaint narrative:
I contacted Wakefield and Associates in XX/XX/XXXX regard a medical bill the put on my credit. I was told that they received the payment and that it would be taken off my account. It was taken off but put back on XX/XX/XXXX. I contacted the company and was told my account was closed and that they couldn't do anything about it reporting to my credit cause they didn't see it being reported. I tried disputing it on my XXXX and XXXX report. I was deleted from my XXXX report but they updated the balance on my XXXX report from {$600.00} to {$700.00} oweing. This debt was paid by my medical insurance and should be off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX refuses to cancel the " XXXX XXXX '' service I never signed up for because I have no active accounts with them. I closed out and paid off all balances due so when I call they can not find an account to remove me from this service. I have tried 5 times to talk to someone and no one can remove me from their list. I do not authorize this service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX All Inquiries under the FCRA and FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX All Inquiries under the FCRA and FDCPA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FRESNO CREDIT BUREAU
State: CA

Complaint narrative:
On XX/XX/XXXX I responded to a letter I received from Creditors Bureau USA in which I requested validation of an alleged debt they claimed I owed. I requested specific signed documents showing that I owed said debt and also included a declaration to be completed, signed and dated by the authorized creditor ; then I sent the letter via certified mail with return receipt requested. On XX/XX/XXXX, my letter and its attachments ( 3 pages ) was received and signed for by Creditors Bureau USA, see EXHIBITS A & B attached. 

In late XXXX I received a response in the form of a bill that showed medical information including what looked like XXXX XXXX  I clearly requested validation of debt which was never provided. I sent a second certified letter citing failure to validate to Creditors Bureau USA, again requesting that they validate this alleged debit. My second letter and its attachments was received and signed for on XX/XX/XXXX, see attached EXHIBITS C & D. As of XX/XX/XXXX, more than 3 months later, I have not received a response from this collection agency, yet they continue to report this invalidated debt to the credit bureaus, a clear VIOLATION of my consumer rights pursuant to the Fair Debt Collection Practices Act. This action may constitute as FRAUD under Federal and State laws. These violations have caused me harm and must be remedied immediately. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I have a Amazon Rewards Card Visa held by Chase Bank. On XX/XX/XXXX, a charge was made on my card for {$1000.00} at XXXX XXXX. This is not my charge, as I was hospitalized at the time, and the card was in my possession. I also never shop at XXXX XXXX because my husband works for a direct competitor. Additionally, I never charge any amount close to {$1000.00} on the card. I reported the fraudulent charge, it was removed, my card number changed. Now Chase has put the charge back on my card, claiming its legitimate. It is not. I am a XXXX patient, can not leave home. I also dont shop online at XXXX XXXX XXXX Chase is an awful bank. My charging history on the card since XXXX bear out that I never charge {$1000.00} at once, and never in home improvement stores.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BUDGET CONTROL SERVICES, INC.
State: CO

Complaint narrative:
I've asked BUDGET CONTROL SERVICES INC through a debt validation letter sent on XX/XX/21 along with a green return receipt to send me documents so that I can exercise my rights as a consumer to validate an alleged debt. BUDGET CONTROL SERVICES INC received the letter on XX/XX/21 and this debt collector BUDGET CONTROL SERVICES INC has not sent me any documents that I asked for they are violating my right to validate the alleged debt, I'm demanding an audit trail so I can validate the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
: ATTN Fraud Department : Remove fraudulent accounts 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 2021-12-16 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: IL

Complaint narrative:
On XX/XX/2021 I informed The consumer reporting agencies, XXXX, Experian, and XXXX of inaccurate reporting of my credit file. It is now over 30 days and they have not provided me a response. They are negligently violating my federally protected consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF THE WEST
State: AZ

Complaint narrative:
On XX/XX/XXXX, I checked my account ( including pending charges ) before making 2 transactions. One charge was a payment to my credit card, the other was a debit card transaction. I showed a balance of just over {$62.00}, and my transactions were for {$40.00} and {$20.00}. I checked my account today, XX/XX/XXXX, and there is a service fee on my account, causing a negative balance. The fee shows it passed on XX/XX/XXXX, but it didnt show on the account at all until XX/XX/XXXX, causing an overdraft and likely costing me a {$35.00} overdraft fee for a {$10.00} fee. Bank of the West lacks transparency and should be required to show pending fees, especially when the fee us literally because I dont have enough money going into the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-16 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:
On XX/XX/2021 I informed The consumer reporting agencies, Transunion, XXXX, and XXXX of inaccurate reporting of my credit file. It is now over 30 days and they have not provided me a response. They are negligently violating my federally protected consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16 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:
On XX/XX/2021 I informed The consumer reporting agencies, XXXX, XXXX, and Equifax of inaccurate reporting of my credit file. It is now over 30 days and they have not provided me a response. They are negligently violating my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts 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
Consumer complaint received 2021-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
My Citbank Home Depot account has been closed for several years. As it is closed I am not able to pay online, in the store, or by automated phone process. As a result I must mail in my payments and I believe Citibank is delaying the process intentionally. 

Recent examples : On XX/XX/21 I mailed a check in the amount of {$35.00} to THD with the envelope and payment stub provided. The due date was XX/XX/21. THD deposited the check on XX/XX/21 and it cleared my bank on XX/XX/21. I was charged a {$35.00} late fee. XXXX from XXXX, OR to XXXX, AZ should not take 15 DAYS! 

On XX/XX/21 I noticed that once again my check hadn't cleared my bank. When I called for assistance I learned that a collection agency was handling my account. I was also advised that my monthly payment isn't {$35.00} as listed on my statement. It's actually {$71.00} per month and I was behind. I made payment by phone to the collection agency in amount of {$130.00}. It cleared my bank on XX/XX/21. 

On XX/XX/21 I mailed a check in the amount of {$60.00} to THD with the envelope and payment stub included. It was stamped received by THD on XX/XX/21 and cleared my bank on XX/XX/21. The collection agency had no record of this payment when I called. Again, it shouldn't take 20 DAYS for mail to go from XXXX, OR to XXXX, AZ! 

I received my statement today and received another {$35.00} late fee and a bill for {$130.00} due by XX/XX/21 - which I'm certain will be late regardless of when I mail it given the recent trends. 

I'm convinced my checks are not processed in a timely manner and are being pulled for special handling resulting in a delay and more late fees for me. 

In addition, I was never advised a collection agency was handling the payments, nor have I received any billings from them. 

This entire situation is set up to make it impossible for me to pay on time and they are stealing from me through late fees caused by their own hand.

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
Consumer complaint received 2021-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
-The investigation took more than 30 days. 
I was taken advantage of after several practices have been broken under the law of the FCRA. You have hurt my ability to obtain credit. CAN'T GET A SBA LOAN ( SERVAL OF LAWS HAVE BEEN BROKEN BY YOUR COMPANY XXXX XXXX Transunion consumer solutions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
-The investigation took more than 30 days. 
I was taken advantage of after several practices have been broken under the law of the FCRA. You have hurt my ability to obtain credit. CAN'T GET A SBA LOAN ( SERVAL OF LAWS HAVE BEEN BROKEN BY YOUR COMPANY Experian XXXX XXXX consumer solutions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I have a PNC SmartAccess prepaid card. On XXXX XXXX I tried to load {$1100.00} on the card at the branch ATM. I deposited {$600.00} then i tried to load {$500.00} more. A screen popped up saying i was exceeding my daily limit but gave me the option to enter an amount. I put {$300.00}. It accepted the {$300.00} but kept {$200.00} and didnt credit my account nor did it give the money back from the ATM. I immediately tried pulling the {$300.00} out thinking that it would give back the whole {$500.00}. It didnt. I called the number on the back of the card and filed a dispute. After a few days I call to check. The lady said they were still working on it. After 2 days I went into the branch in XXXX ga. I spoke with XXXX XXXX. She called and they said they were still working on the dispute and I should see something in my account within 4 days. I waited and nothing was in my account. I go back to the bank and spoke with the branch manager XXXX XXXX. He called and spoke with XXXX about it and she said today was the XXXX business day. He told her as per my agreement as the cardholder i was due a provisional credit. They hung up. I go home and I get a call from XXXX and the voicemail Message said I didnt have any dispute filed yet. I go back to the bank the next day and XXXX ended up getting the run around and I didnt get my money back still.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/2021 Experian received my dispute in regards to the inaccurate reporting of the XXXX XXXX account for the amount of {$420.00} being reported on my consumer file. I informed Experian that I previously disputed this account and requested a debt validation from XXXX XXXX that was received by their office on XX/XX/2021. XXXX XXXX failed to respond to my request for debt validation and continues to report disputed unverifiable information to Experian. Therefore, I have deemed this account as fraudulent due to XXXX XXXX 's failure to respond and validate the alleged debt. Furthermore, this account has not been noted on my consumer file as disputed by either Experian or XXXX XXXX since the commencement of my direct dispute with the furnisher of information, as well as with Experian. I have yet to receive any notifications or reinvestigation results and this dispute has exceeded its reinvestigation 30-day period which concluded on XX/XX/2021. By law Experian is required to delete this account and has failed to comply with the reinvestigation procedures in regards to consumer disputes as set forth in the Fair Credit Reporting Act and my rights as a consumer have been violated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, I have been on the Experian web site as a member for years now. The past year or so I have been watching closer as to what the outcome is and the ups and downs of my score. 
Tonight is XXXX 2021, I applied for 3 credit cards. XXXX said the reason I was Denied was because I have a XXXX score. 
Experian told me I have a XXXX score. just now I still would not have got the card but a few weeks ago when I looked it said I had a XXXX score. 
Is this the way it is? Up and down all the time. It is XXXX XXXX. 
It should change once or twice a year. 
And why do they tell people a lower score than my incredibly low score. Can you change this to a twice a year like XX/XX/XXXX and XX/XX/XXXX each year. Give people some thing to shoot for. 
The way it is not logical. Thanks for your time. 
Please ask experian why they tell me XXXX and XXXX XXXX Unable to contact them. 
Thank You 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