vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-03 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: NY

Complaint narrative:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 


This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: VA

Complaint narrative:
Hi whats going on? why am i not getting notified of whats going on with my dispute? I sent you several follows ups already but you seem to be ignoring me. I need my credit fixed because inaccurate reporting is affectingme a lot. Please check my credit report and remove all the errors.

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 2021-09-03 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: VA

Complaint narrative:
Hi whats going on? why am i not getting notified of whats going on with my dispute? I sent you several follows ups already but you seem to be ignoring me. I need my credit fixed because inaccurate reporting is affectingme a lot. Please check my credit report and remove all the errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: FL

Complaint narrative:
I have contacted several times the Credit Bureaus Experian, XXXX, and XXXX  asking them to verified this misleading information, each of credit reporting agencies has a different amount on my report, Experian {$1000.00}, XXXX  {$1000.00}, XXXX {$1000.00} They keep sending me a response that the account has been verified. I have contacted the collection company several times ( XXXX XXXX XXXX ), I obtained the contact address from my Experian report and send them a verification letter of the collection. and the letter was unable to forward because it was an inaccurate address. Obviously Experian has an misleading information on my credit report ( wrong collection information, address, amount of debt, etc ) and also Experian, refused to delete old addresses in my credit report that way I avoid Identity Theft. 
Some how the collection company contacted me and sent me a statement attempting to collect a debt with different amount as well {$95000.00}. I noticed on the statement I'm a joint account holder of an apartment lease. I ask them for verification and until this day they just keep sending me the same statement with no other explanation or contract with my signature, etc. 
XXXX, Experian, XXXX  has inaccurate information and failed to verified account and XXXX XXXX  XXXX is attempting to collect a debt that is not mine. 
I request them to remove it from my credit report immediately. 
I also Filed a Identity Theft Report Thank you, Look forward for your response.

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 2021-09-03 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I discovered XX/XX/2021 that Home Depot, Citi Bank had reported a delinquency to the credit bureaus. I was shocked because I thought the issue had been resolved. They took the late payment off their records and did not charge me the late fee. My problem as I hold them was that I was not receiving my mail regularly if at all. I have been with them for 30+ years and always have paid on time. When I discovered the ding on my credit I called and they told me I was 31 days late and they had to report it. The amount past due was {$10.00}. I am outraged. They say they can't do anything but I know they can remove it.I got a letter XX/XX/XXXX saying they would look into it but when I called they said they could not. The letter asked for all the information they already had. I'm furious!

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 2021-09-03 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Advance America, Cash Advance Centers, Inc.
State: CA

Complaint narrative:
XX/XX/2021 {$190.00} set for next month. Money was taken from bank account but not shared with bank and claim was sent in. Wallet was stolen and lost again. Money was put on credit card but loan did not take credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: VA

Complaint narrative:
I sent you a letter regarding the negative items on my report on XX/XX/2021, but I havent been notified about whats going on and its making anxious. I am trying to fix things so I can purchase new house but you're negligence in reporting are affecting me and now I feel like I wnat to seek compensation for all the trouble and stress you caused me

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 2021-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2021 Without authorization and or permission Capital One credit services withdrew {$0.00} from a XXXX XXXX account. On XX/XX/2021 {$480.00} was withdrawn, and on XX/XX/2021 another {$1.00}. All without authorization and or permission. During the month of XX/XX/2021, repeated attempts to withdraw more monies were made by Capital One Credit card services. Resulting in my card being suspended for fraudulent activity. I waited before contacting the company to see if a reversal of the monies would be returned to my account since I didn't give authorization for the withdrawal of monies from my account. The card company has since closed the previous card, issued a new card, and launched an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC
State: AZ

Complaint narrative:
Attempted to close my account with Indigo and they claimed that the card was opened under a different social security number and refuse to close my account. All of the other information matches such as address, name, birthdate etc so they are still reporting to the credit bureau under the correct social but refuse to close my account after I have validated all of the previous information. I went back and validated that my original processing has the correct social so this has to be an error on their part. This error on their part is garnering them yearly fee 's and they are offering no reasonable resolution to the problem. I believe the account was opened in XXXX and I attempted to close the account on XX/XX/XXXX and was told I was unable to close the account. The card is an Indigo Platinum Mastercard through Genesis FS Card Services, XXXX XXXX XXXX, XXXX, OR XXXX Customer service number : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I had made a reservation with a resort in XXXX called XXXX XXXX on XX/XX/XXXX in the amount of {$1100.00}. I made the payment through PayPal. XXXX XXXX had a cancellation policy promising a full refund if somebody needed to cancel because we were in the middle of a pandemic. I had to cancel my reservation due to travel restrictions and a XXXX emergency. XXXX XXXX sent me a cancellation confirmation email promising to issue me a full refund which I never received. I filed a dispute with PayPal on XX/XX/2021 and after their investigation they told me the reason they were denying my dispute was because it was my banks responsibility not theirs. So I contacted my bank ( XXXX  XXXX XXXX ) and filed a claim with them and after their investigation they said no, it was PayPals responsibility to handle the dispute not theirs because the payment went through PayPal so my bank denied the claim. So I contacted the resort multiple times over the last couple months and they did not respond. I contacted PayPal again today and told them the situation, and they said I was outside of the 180 day dispute window even though I disputed the transaction 30 days after the transaction was made. ( Well within the 180 day dispute window ) The customer service representative I spoke to today said after reviewing the dispute the reason it was denied was because it was filed under the wrong category of merchandise not received not a refund not received. I was never told that originally when my dispute was denied months ago, I was told it was denied because it wasnt their responsibility it was my banks. So because of their mishandling of my dispute and giving me misinformation, not processing my dispute properly, and refusing to allow me to appeal after it was denied I am outside of my 180 day dispute window and they are saying theres nothing they can do to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
Received a phone call that a debt was going to collections. I called and the lady told me I had a debt for a cash loan through XXXX  XXXX XXXX XXXX for {$500.00}, and if I solve it I would only owe {$600.00}. If I don't solve it I will owe {$2000.00} as they will send it back to the lawyer. If I if I pay by XX/XX/XXXX at XXXX XXXX. I can pay {$300.00} and solve my debt. I have never taken a loan and I called the places that do loans nobody has my information ever in their system. The main company XXXX  XXXX XXXX, they are located in XXXX. she then told me that it was an online vendor And gave me an IP address. The name of her company was XXXX XXXX  or a bunch of other names. When asked she said they just do. I called asking for the address and she told me she wasn't able to give that due to business and banking information on files there. She gave me a website which does not look legit. XXXX She claims I can't find the businesses online because they're only at that website and by phone. Her name is XXXX her phone is XXXX XXXX but they don't have an option for an extension and only 2 people ive spoken to when calling 8 times for more information. 
When explaining to XXXX that I have never taken out a loan they continue to tell me that I was responsible for it and after I paid then I could receive documents regarding my loan and regarding the collection but they could not send me any paperwork until I made the payment to them. Upon looking up everything else to try to find out legitimacy regarding this because I know I have never had a loan taken out I have decided that I will not be making any payment to them and if it goes to my credit I will then reach out to the company and figure it out on how to report fraud in that way. 
XXXX had my previous name, my new last name, my social security number, my birthday and my previous addresses as well as my current. I am worried because they have this information as to what can happen next. so far they have not proven to me that there was ever a loan taken on my name you're under my social because nobody has any information on me taking a loan ever so I can find. And I know I personally have never taken a loan. 
I believe the fraud is them having my personal and private information and I am not ok with this!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
When trying to get one of my free annual credit reports, Transunion asked for my email and telephone number. From what I read on this website, I do not have to provide those. I don't remember having to ever have to do that before and I didn't have to do that for XXXX. I would like my report without having to provide that information. I tried calling XXXX  number but couldn't select options to talk to a person. I've also filled out their contact us form online but they said they won't mail me anything and they didn't ask for my phone or email. Please tell Transunion to remove the email and phone number requirement.

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 2021-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have sent affidavit DEMANDING that they Verify the debt that I allegedly owe them. They CLAIMED they did but it wasn't done properly Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc, who may have information of any items on the consumer file which you will have to show me proof via an affidavit of fact under penalty of perjury ; I DO NOT CONSENT TO ANY AUTOMATED RESPONSE OR E-OSCAR VERIFICATION METHOD.

and if they can't, they must CLOSE the account and IMMEDIATE REMOVAL OF THE NEGATIVE REMARKS they've made against me on my credit report pursuant to THE FAIR CREDIT REPORTING ACT 15 U.S. CODE 1681 1681i.

Unauthorized Use Pursuant to 15 U.S. CODE 1602 ( p

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 2021-09-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, I scheduled an appointment in XXXX XXXX because I wanted to pay off my Nissan 2018 Leaf lease ending on XX/XX/XXXX. That day, My husband and I got a new loan for the remaining balance. Also, We had to come back twice over the following two o three weeks to sign the paperwork again because the Finance person forgot to include some coupons. On XX/XX/XXXX, the last payment of the lease ( {$710.00} ) was withdrawn from our account because we had automatic payments ; for that reason, I called NMAC ( Nissan Finance Company ), and they explained to me that since we got a new loan, the dealership would be care of the refund of the last payment. Immediately, I called XXXX, and the person in Finance said that once XXXX finished all paperwork, they would refund us that amount. Two or three weeks later, I called again the person in Finance said I should call the Accountant person who never answered her phone, nor called me back after several messages. One week later, I sent an email to the general manager, and five days after, the sales manager called me saying he would review the case. Five days later, I sent him a text message, and I never got a reply. After exposing my case on social networks, I got a phone call from someone who asked me again about the issue. He said he would call me back, but after two months, nobody is taking me into account, giving me an answer or an explanation. I want my {$710.00} back. I don't have to pay twice for paying off my lease following the due process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I submitted an FTC Identity Theft Report # XXXX on XX/XX/2021. I sent a copy of my FTC report, an identity verification document, as well as a cover letter with my current address and all of the information that is fraudulently on my report to Equifax Information Services ( please note that all supporting documents are attached below ). This report along with all other information listed in the attachments below were sent certified mail to Equifax on XX/XX/2021, and was received by them on XX/XX/2021. There are accounts, addresses, inquires, and employers listed on my credit report that are fraudulent, have ruined my reputation, and have hindered me from obtaining certain goods and services needed to support my family. Pursuant of the Fair Credit Reporting Act, section 605B, Equifax is required to block the fraudulent information on my credit report resulting from identity theft within four business days of receipt and to promptly notify the furnisher ( s ) of that information.I spoke on the phone with a representative of XXXX  who, after verifying my identity and acknowledging receipt of my FTC report, stated that the addresses and fraudulent accounts could not be removed. They are willfully supporting criminals who are stealing identity information to obtain goods and services causing ordinary people like myself to be held responsible. Equifax has violated my rights and federal law with their unscrupulous business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Service Finance Holdings, LLC
State: NV

Complaint narrative:
The Contract for my Loan says 18 payments of {$81.00}, and then 240 payments of {$180.00}. I have been paying according to the contract terms. The Company charged me a Late Fee in XXXX because their system is unable to support my payments that I am paying early. They consider me LATE because i am paying ahead of time. They need to count the payments that I've made & then count the months so they can see i am NOT LATE. I was on the phone today trying to explain this to XXXX the manager at extension XXXX but he has no idea what he is doing. He said i am considered Late. I told him to read the legal document, the Contract so he can see that i am ahead of schedule and not late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-03 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: FL

Complaint narrative:
I am a victim of identity theft there is inaccurate reporting on my credit report especially with inquiries I currently have over 50 inquiries from someone trying to use my credit for the purposes of receiving goods and services. This is an extremely serious matter and I need these inquiries to be removed from my credit report immediately. I reached out to each credit bureau on XX/XX/2021 and the inquiries are still reporting although it's been well over 30 days since I filed a dispute. 

Attached to this complaint is a copy of the letters that I have sent to each bureau without response.

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