vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX XXXX is supposed to remove all 3 tradelines from the 3 major credit reporting agencies as part of a class action lawsuit settlement. I submitted the lawsuit paper to all 3 credit bureaus and they will not remove the tradelines from XXXX. I contacted XXXX XXXX several times to remove the tradelines with no sucess at all. It is part of a settlement regarding repossessed vechicles with balances being reported on the credit bureaus. XXXX XXXX XXXX is supposed to remove the information on all 3 major credit bureaus. Ive disputed st least 3 different times to all 3 credit bureaus and they will not remove the information.

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 2021-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 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 Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello, my name is XXXX XXXX and I received my credit report to find that XXXX  put something on my report that was NOT authorized by me, they did not have my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: MI

Complaint narrative:
A Bankruptcy reporting on my Credit Report. Which is a violation of my right, knowing the fact that the United States Bankrupcy Courts Do Not report individual bankruptcy case filing data to any credit reporting Agencies, nor do they update any infomation directly to the Credit Bureaus.

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 2021-07-30 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: MI

Complaint narrative:
A Bankruptcy reporting on my Credit Report. Which is a violation of my right, knowing the fact that the United States Bankrupcy Courts Do Not report individual bankruptcy case filing data to any credit reporting Agencies, nor do they update any infomation directly to the Credit Bureaus.

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 2021-07-30 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: PA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: Rent Recovery Solutions
State: AZ

Complaint narrative:
I rented an apartment from XXXX XXXX ( part of XXXX XXXX ) I paid the move out fee and asked for a detailed statement of charges. Due to many accounting errors, a claim was made that I owed {$220.00} dollars and and I was sent to collections ( rent recovery in XXXX ) XXXX XXXX from XXXX finally determined that not only did I not owe them any money, but they in fact owed me {$230.00}. They incorrectly sent me a check for {$13.00} and a follow up check was sent for {$220.00} Rent Recovery closed the account but refuses to remove the derogatory on my credit. ( this has caused over 100 point drop in my credit score for a debt that I do not owe. )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
You have continued to report XXXX XXXX as a collection account even though I have made you aware that it is inaccurate.

See attached the alleged creditors response to my verification request of the reported collections information.

If this is not rectified, I will be following up with legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
You have continued to report XXXX XXXX as a collection account even though I have made you aware that it is inaccurate.

See attached the alleged creditors response to my verification request of the reported collections information.

If this is not rectified, I will be following up with legal action.

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 2021-07-30 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: EQUIFAX, INC.
State: NC

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Last 4 of Social Security # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
XXXX XXXX is supposed to remove all 3 tradelines from the 3 major credit reporting agencies as part of a class action lawsuit settlement. I submitted the lawsuit paper to all 3 credit bureaus and they will not remove the tradelines from XXXX. I contacted XXXX XXXX several times to remove the tradelines with no sucess at all. It is part of a settlement regarding repossessed vechicles with balances being reported on the credit bureaus. XXXX XXXX XXXX is supposed to remove the information on all 3 major credit bureaus. Ive disputed st least 3 different times to all 3 credit bureaus and they will not remove the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX XXXX is supposed to remove all 3 tradelines from the 3 major credit reporting agencies as part of a class action lawsuit settlement. I submitted the lawsuit paper to all 3 credit bureaus and they will not remove the tradelines from XXXX. I contacted XXXX XXXX several times to remove the tradelines with no sucess at all. It is part of a settlement regarding repossessed vechicles with balances being reported on the credit bureaus. XXXX XXXX XXXX is supposed to remove the information on all 3 major credit bureaus. Ive disputed st least 3 different times to all 3 credit bureaus and they will not remove the information.

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 2021-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: FL

Complaint narrative:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the XXXX  Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. 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 2021-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: WI

Complaint narrative:
NCB Management is reporting a negative balance of {$4900.00} debt on my credit reports which doesn't belong to me,, first day reported XX/XX/2017, I've never opened or had an an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: PA

Complaint narrative:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX  XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX  XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/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 2021-07-30 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: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
XX/XX/2021 I was charged on my Amazon Chase card {$13.00} for XXXX XXXX which I had canceled in XXXX. I disputed it XX/XX/2021 I cancelled XXXX XXXX again XX/XX/2021 Prime was started again ( I did not do this ) XX/XX/XXXX I cancelled XXXX XXXX again XX/XX/XXXX XXXX was started again XX/XX/XXXX I cancelled XXXX XXXX. I also called both Chase and cancelled the card and called XXXX and cancelled XXXX over the phone. 
XX/XX/2021 I received a letter that I owed Chase {$13.00} on the XXXX XXXX card I have changed all passwords on both XXXX  and cut up the credit card. It just won't go away and I don't want it to wreck my credit. 
XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: American First Finance, Inc.
State: FL

Complaint narrative:
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on AMER FST FIN. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Approx. XX/XX/21 Rec 'd billing statement for a credit card I don't have. Called card company to open a fraud claim. They told me it was resolved. Rec 'd a delinquency notice. Called card company again. Said it was resolved again. XX/XX/21 Rec 'd notice they issued me a new card with a new card #. Did not receive a card, however. Spoke with XXXX at Synchrony Fraud Dept. Was told original fraud claim was denied. Did not receive anything from bank stating this. Was assured this was taken care of. XX/XX/21 Rec 'd a card in the mail with a new # ( this makes 3 ). Called fraud # again. Was told fraud claim was denied again. Didn't receive notification about this one either. Was told it would take another 30 days to resolve this.

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 2021-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have previously disputed with XXXX XXXX and Equifax on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reporting badly hurt my credibility. I'm certain that my rights as a consumer protected under the law has been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: TX

Complaint narrative:
I have reached out via certified mail to the following companies and asked for proof that I gave permission to submit hard inquiries on my credit account and they have either not responded nor removed the inquiries as legally requested, since they were not able to show proof of my request. 

XXXX XXXX XXXX ( XXXX XXXX, XXXX, SC XXXX-XXXX/XXXX  XXXX XXXX, XXXX, GA XXXX ) XXXX and XXXX XXXX/XXXX  XXXX  ( XXXX XXXX XXXX , XXXX XXXX , CA XXXX ) XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX, XXXX, SC XXXX ) XXXX XXXX  XXXX/XXXX  ( XXXX XXXX XXXX, XXXX, OH XXXX ) XXXX XXXX ( XXXX XXXX  XXXX, XXXX, TX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ) XXXX Also, the following Bureau 's have been PAID off and the accounts are now closed ( proof of payments available ). I have reached out to the companies and requested that the accounts be removed from my credit reports. They have agreed to remove the negative remarks and accounts from my credit report however they are still showing. 

XXXX XXXX XXXX ( On behalf of XXXX XXXX ) XXXX XXXX XXXX XXXX ( On behalf of XXXX XXXX ) I am kindly asking AGAIN that these items are removed from my credit report, as they are either unrecognized and not proven to be mine or have been paid and legally agreed to be removed and they are still showing on all 3 credit reporting platforms ( Equifax, XXXX, and XXXX  ). 

Please Please Please Remove. 

XXXX XXXX ( SS # XXXX ) XXXX XXXX XXXX XXXX. 
XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: MoneyLion Inc.
State: UT

Complaint narrative:
On XX/XX/2021 I received a series of emails in quick succession from MoneyLion indicating my new XXXX bank account is ready, my debit card is in the mail, my phone number has been updated and my mailing address has been updated. The problem : I never opened an account with MoneyLion and the phone and address indicated in the update emails are NOT mine - I don't live in North Carolina and never have. Whether this is truly fraud or some sort of bait tactic by MoneyLion themselves is unclear. Either way - it's criminal.

I contacted MoneyLion and they agreed to close the account in question but would provide no other information or assurances. For example : " were any of my actual bank/credit accounts exposed or connected to the MoneyLion account? '' Answer : " we can't tell you that but we assure you nothing bad has happened. Have a nice day. Goodbye. '' What a crock! The fact that the account was created in the first place means something bad has happened.

To summarize : my only impression of MoneyLion is a very bad one and I suspect I'm not alone. Fishy company for sure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I wanted to accredited my fandual account for {$60.00} but the company claimed it was denied by my bank. The funds was still taken out but never accredited to my fandual account. They told me to contact my bank. I filed a dispute and my account received a temporary credit by my bank. I then received an email from my bank on XX/XX/2021 stating they will be removing the credit because I was at fault l. I then ask my bank for the document that shows me at fault. The document i received was the bank just approving the charge out of my bank which is why i filed the dispute in the first place. I called and spoke to supervisor at capital one 360 bank and he was very rude and stated for me to send my documentation to XXXX. I then received an email from that email stating they can not help me today XX/XX/2021. I then called the bank again which lead to no resolution.

Company response to consumer: Closed with explanation