vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-11 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:
On XX/XX/2021 I sent Experian a 2nd letter disputing the legitimacy of the bankruptcy they are reporting on my credit report. They eventually responded back on XX/XX/2021 saying that they verified the bankruptcy through a 3rd party credit agency named XXXX. Shocked by this admission, I went directly to XXXX to dispute this bankruptcy in question and XXXX could not verify this item at all and therefore deleted from the record on XX/XX/2021. On XX/XX/2021 I actually went back to Experian with a another disputed letter showing them the XXXX report of the bankruptcy being deleted and informed them that if they could not verify where this bankruptcy came from then according to the FCRA they must delete it. Unfortunately they came back with the same letter on XX/XX/2021 saying that the bankruptcy was still verified from XXXX. This inaccurate and unverified item still being reported on my Experian report is causing me problems when I'm trying to get a mortgage. This item needs to be removed and deleted from my credit report since they can not verify it. 

Experian is still falsifying that they investigated this alleged bankruptcy. On XX/XX/XXXX they sent me a generic letter stating that they done a thorough investigation with XXXX saying that it came back verified EVEN THOUGH I GAVE THEM THE XXXX LETTER STATING THAT THERE IS NO BANKRUPTCY REPORT. So in other words this is a blatant lie since there is no bankruptcy showing on my XXXX report. This needs to be escalated to a human supervisor at Experian since these repeated generic letters coming from them is showing proof that NO INVESTIGATION was actually done which is clearly a violation according to the FCRA.

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 2021-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian is reporting inaccurate information on my credit report. There are several names and address on my report that is not mine and I have never lived at this address.

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 2021-10-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing to dispute the following information that Capital One supplied to XXXX, XXXX, and XXXX. 

This item in question is a Capital One account that was opened XX/XX/2017 with a credit limit of {$1300.00} is inaccurate because it was reported late and charged off. I have proof of the payments made in the months in question. I am requesting that Capital One have the items removed and adjusted. I was about to get copies of my past banking statement from months in question, showing the payments were made on this account to Capital One. Payments are highlighted on my statements. 

Enclosed are copies of banking statement supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete and correct the disputed items as soon as possible. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: Early Warning Services, LLC
State: MN

Complaint narrative:
I was incarcerated from XX/XX/XXXX to XX/XX/XXXX. All of the information listed on my Early Warning Services Consumer Report is inaccurate, and the information isnt mine because I was incarcerated. I am a victim of identity theft.There shouldnt be any information listed on my Early Warning Consumer Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute the following information that XXXX XXXX supplied to XXXX, XXXX, and Transunion. 

This item in question is a XXXX XXXX account that was opened XX/XX/2017 with a credit limit of {$1300.00} is inaccurate because it was reported late and charged off. I have proof of the payments made in the months in question. I am requesting that XXXX XXXX have the items removed and adjusted. I was about to get copies of my past banking statement from months in question, showing the payments were made on this account to XXXX XXXX. Payments are highlighted on my statements. 

Enclosed are copies of banking statement supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete and correct the disputed items as soon as possible. 

Sincerely, 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 2021-10-11 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: CA

Complaint narrative:
I am writing to dispute the following information that XXXX XXXX supplied to XXXX, Equifax, and XXXX. 

This item in question is a XXXX XXXX account that was opened XX/XX/2017 with a credit limit of {$1300.00} is inaccurate because it was reported late and charged off. I have proof of the payments made in the months in question. I am requesting that XXXX XXXX have the items removed and adjusted. I was about to get copies of my past banking statement from months in question, showing the payments were made on this account to XXXX XXXX. Payments are highlighted on my statements. 

Enclosed are copies of banking statement supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete and correct the disputed items as soon as possible. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: CA

Complaint narrative:
I am writing to dispute the following information that XXXX XXXX supplied to Experian, XXXX, and XXXX. 

This item in question is a XXXX XXXX account that was opened XX/XX/2017 with a credit limit of {$1300.00} is inaccurate because it was reported late and charged off. I have proof of the payments made in the months in question. I am requesting that XXXX XXXX have the items removed and adjusted. I was about to get copies of my past banking statement from months in question, showing the payments were made on this account to XXXX XXXX. Payments are highlighted on my statements. 

Enclosed are copies of banking statement supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete and correct the disputed items as soon as possible. 

Sincerely, 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 2021-10-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Avant Holding Company, Inc.
State: CA

Complaint narrative:
I recently bought a home and needed to pay off some of my unsecured debt. I called Avant prior to paying off loan on XX/XX/XXXX where they gave me a quote and a pay off date of XX/XX/XXXX. On XX/XX/XXXX I mailed 2 checks one in the amount of {$4000.00} and {$120.00} to pay off my entire loan balance. They were mailed together in the same envelope to Avant via XXXX express where both check numbers were documented when sent. The checks were received XXXX. Upon receipt, only 1 check in the amount of {$120.00} was posted. I dont see how they can only receive one check when they were sent together in the same envelope? I have called numerous times to inquire of the status of my pay off of {$4000.00}. No one seems to know and I can only speak to foreign agents. They have no direct line to their receiving department in XXXX where the checks were sent. I was provided with an email for their receiving department and still have no word. If my amount is not paid in full by XXXX ( which has passed now ) I will face extra fees, penalties and possibly a negative mark on my credit score. I feel this is extremely bad business on their end as I paid my dues timely. If dont receive an update within the week I plan to put a stop payment on the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report. It is cause by fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-11 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: TN

Complaint narrative:
Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$240.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$170.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX, XXXX, XXXX, Balance : {$120.00}, {$200.00}, {$350.00} Account Name : XXXX XXXX Account Number : XXXX, XXXX Balance : {$850.00}, {$580.00}, {$480.00} This is a formal complaint against Equifax, XXXX, and XXXX. I have disputed this account on XX/XX/XXXX because some information is not reporting consistently such as the date of last activity. Forty days after my first dispute letter I have logged in to my credit monitoring and I see no changes at all. Like for the XXXX collection account, the date of last activity is still reporting XX/XX/XXXX in XXXX, XXXX shows XX/XX/XXXX, and Equifax is reporting XX/XX/XXXX. There is only one creditor in which this collection account was verified and validated from so how can the date be reporting on three separate dates?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: NV

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2021-10-11 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: FL

Complaint narrative:
Experian is simply not processing my disputes. I sent them and gave them 30-45 days to process the disputes. I called them and they have the phone setup so that we can not get to a human being. You can only speak to a computer which eventually hangs up on you. Is this legal to have this setup this way because previously we could speak with people. Additionally, the reason I am calling is because my account will not let me login into to my account and submit the dispute online either. With that said, I have a XXXX casino account which is 100 percent a lie. I do not owe them anything and the dates they are stating I owe them doesnt even make sense. I also had them send in a letter stating this was false as they also stated this was false and needed to be removed. I submitted a dispute in which this account was deleted and then re added back without any notice to me from Experian. I know this is a FCRA violation and I want this account removed and I want to recieve my check for {$1000.00} dollars for the clear violation in which I am due {$1000.00} per occurence of a violation to the FCRA. I also want this account removed as it was from the prior dispute before it was magically re inserted to 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 2021-10-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: WI

Complaint narrative:
My name XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

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 XXXX XXXX ( Original Creditor : XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: TN

Complaint narrative:
Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$240.00} Account Name : XXXX  XXXX Account Number : XXXX Balance : {$170.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX, XXXX, XXXX, Balance : {$120.00}, {$200.00}, {$350.00} Account Name : XXXX XXXX Account Number : XXXX, XXXX Balance : {$850.00}, {$580.00}, {$480.00} This is a formal complaint against XXXX, XXXX, and TransUnion. I have disputed this account on XX/XX/XXXX because some information is not reporting consistently such as the date of last activity. Forty days after my first dispute letter I have logged in to my credit monitoring and I see no changes at all. Like for the XXXX collection account, the date of last activity is still reporting XX/XX/XXXX in TransUnion, XXXX shows XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. There is only one creditor in which this collection account was verified and validated from so how can the date be reporting on three separate dates?

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 2021-10-11 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: TN

Complaint narrative:
Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$240.00} Account Name : XXXX XXXXXXXX Account Number : XXXX Balance : {$170.00} Account Name : XXXX XXXX XXXX Account Number : XXXX, XXXX, XXXX, Balance : {$120.00}, {$200.00}, {$350.00} Account Name : XXXX XXXX Account Number : XXXX, XXXX Balance : {$850.00}, {$580.00}, {$480.00} This is a formal complaint against XXXX, Experian, and XXXX. I have disputed this account on XX/XX/XXXX because some information is not reporting consistently such as the date of last activity. Forty days after my first dispute letter I have logged in to my credit monitoring and I see no changes at all. Like for the XXXX collection account, the date of last activity is still reporting XX/XX/XXXX in XXXX, Experian shows XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. There is only one creditor in which this collection account was verified and validated from so how can the date be reporting on three separate dates?

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 2021-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
Gemini trust company LLC, they state the following of what I read from their response : ( On XX/XX/2021, Gemini provided Mr. XXXX with additional guidance on what was required from the customer before lifting the restriction on his account. Mr. XXXX has yet to respond to this inquiry. )/ The only reason why it could be is because I have never received any notice from them on the date that they are saying. I have been sending them from their platform, XXXX, XXXX, XXXX XXXX I even sent respectfully a XXXX to Mr. XXXX XXXX hopefully seeing a change in my case however I continue struggling with frustration. I would like to know if they required extra info about me. Although, they have the sufficient information about me that I don't see why their delay is endless. I hope after this letter we can get in touch promptly and fix this matter the best way possible which is to let me get access to my account like I was before and continue as a loyal customer of Gemini trust company LLC.

Company response to consumer: Closed with explanation