vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-21 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am filing this complaint because Equifax, XXXX and XXXX ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: NJ

Complaint narrative:
I noticed a few collections on my credit report I do not recognize

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 2021-06-21 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: NJ

Complaint narrative:
I noticed a few collections on my credit report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: NC

Complaint narrative:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Demand sent to DELETE AND REMOVE Demand sent to DELETE AND REMOVE COMMENTS Demand sent to DELETE AND REMOVE INQUIRES Demand sent to DELETE AND REMOVE ACCOUNTS Demand sent to DELETE AND REMOVE UNAUTHORIZED INFORMATION Demand sent to DELETE AND REMOVE ALL NON PROVEN INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: LA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: NJ

Complaint narrative:
Credit inquiries on my report I do not recognize Also reporting a late payment on XXXX XXXX in XXXX and my payment was never late

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: FL

Complaint narrative:
Problem repeatative. All credit bureaus claim to allow consumer commentary. Their own words - they DO NOT! Opinion by experience A Lie! ALSO disputes never resolved and continue perpetually. They then brazenly- out of no fear of this CFPB -close the report as similar. Here is the LIE- According to the Fair Credit Reporting Act, you may add a statement to a specific item on your credit report that sets forth the nature of your dispute. The statement will remain on your credit report for as long as the item appears on your report and will display to any potential creditors or employers who receive your credit history. You may prefer to simply explain your specific circumstance when you apply for credit or employment. 



To add a statement, select a commonly-requested statement from the list below. You may also contact us by mail to add a statement written by you or submit your statement electronically at experian.com/upload.THIS IS IT - WHAT THEY GOT THEY ALLOW! 

Delinquency due to natural or declared disaster. 
Delinquency due to extended unemployment. 
Delinquency due to job layoff. 
Delinquency due to divorce proceedings. 
Bankruptcy due to medical bills. 
I suffered bankruptcy due to business while I was self-employed. 
Bankruptcy due to business failure. 
Debtor has successfully completed a voluntary repayment plan of outstanding debts submitted by client and administered by Consumer Credit Counseling Services of ...

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 2021-06-21 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: FL

Complaint narrative:
Problem repeatative. All credit bureaus claim to allow consumer commentary. Their own words - they DO NOT! Opinion by experience A Lie! ALSO disputes never resolved and continue perpetually. They then brazenly- out of no fear of this CFPB -close the report as similar. Here is the LIE- According to the Fair Credit Reporting Act, you may add a statement to a specific item on your credit report that sets forth the nature of your dispute. The statement will remain on your credit report for as long as the item appears on your report and will display to any potential creditors or employers who receive your credit history. You may prefer to simply explain your specific circumstance when you apply for credit or employment.

To add a statement, select a commonly-requested statement from the list below. You may also contact us by mail to add a statement written by you or submit your statement electronically at experian.com/upload.THIS IS IT - WHAT THEY GOT THEY ALLOW!

Delinquency due to natural or declared disaster.

Delinquency due to extended unemployment.

Delinquency due to job layoff.

Delinquency due to divorce proceedings.

Bankruptcy due to medical bills.

I suffered bankruptcy due to business while I was self-employed.

Bankruptcy due to business failure.

Debtor has successfully completed a voluntary repayment plan of outstanding debts submitted by client and administered by Consumer Credit Counseling Services of ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: MoneyLion Inc.
State: LA

Complaint narrative:
The week of XX/XX/XXXX, my checking account with XXXX XXXX  was compromised and a fraud investigation was opened, and it was determined that my identity had been stolen. ( All issues with XXXX have been resolved ). XX/XX/XXXX, I received a letter from MoneyLion Inc with a debit card for an account in my name. I had not opened any account with this bank. When I called for more information, I was told that there was an account on file in my name and also a loan for the amount of {$110.00}. I informed them that this had been opened fraudulently, told them about my identity theft, and that I would like the accounts closed. I offered to provide them with documentation such as the police report I filed the previous week to support my claim. I was told that both accounts would be closed and a fraud agent would call me to follow up within 3 days. A week later, I still had not received a call back and tried to follow up, but was hung up on during my first call transfer. As of XX/XX/XXXX, I have not received any follow-up from MoneyLion. 
On XX/XX/XXXX, I received a XXXX  credit alert about a new account and found a MoneyLion personal loan in the amount of {$1000.00} ( NOT the same amount I was told on the phone in the first place ) that was taken out on XX/XX/XXXX. I have also tried to contact MoneyLion online, but when I tried to make an account, I was told my information ( SSN ) already exists in there system and to sign in instead ( obviously I do not know the username or password for this account, since I did not make it ). I have already filed a police report, fraud reports with all three credit bureaus, an IRS Identity Theft Affidavit, and an identity theft report with the FTC, but I have been unable to get any assistance from MoneyLion in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Sent 3 attempts in writing to delete and remove all names, addresses, and personal information that was incorrect and not provided by myself, not authorized by myself The attempts went unresolved and ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FULTON FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am in the process of refinancing my Fulton Bank mortgage with XXXX XXXX. I've been attempting since XX/XX/XXXX to receive a payoff statement that XXXX requires. XXXX made the request on XX/XX/XXXX and has received nothing. I've called Fulton multiple times to obtain that statement per XXXX 's request. I've waited 20 minutes on hold the first time I called XXXX. Then 40 minutes 2 days later. Today ( XX/XX/XXXX ), I've been on hold with Fulton for 1 hour. This is terrible customer service and is jeopardizing my closing on the refinance scheduled to occur on XX/XX/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 2021-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: NJ

Complaint narrative:
I have contacted by Jeffcasys, theyre asked me about {$510.00}. XXXX that I owed to XXXX since XXXX but I explained that I paid it, long time when I changed to other phone company. They insisted to charge me that money and theyre calling threatening me. During the pandemic also called many times a day. Now I found a derogatory marks on my credit report. I feel very frustrated cause My credit score went down. I want to remove this issue from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Cooling & Winter LLC
State: FL

Complaint narrative:
I sent a certified letter to Cooling & Winter, LLC on XX/XX/2021 which included a Affidavit of Truth ( notarized ), and a Cease & Desist letter with Exhibit A, and B. As well as an invoice for {$4000.00} for violating my Federally Protected Consumer Rights.

Violations : *15 USC 1692g ( c ) *15 USC 1692b ( 2 ) *15 USC 1692g ( d ) ( e ) *15 USC 1692i ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Credit inquiries on my report I do not recognize Also reporting a late payment on XXXX XXXX in XXXX and my payment was never late

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 2021-06-21 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: CITIBANK, N.A.
State: OH

Complaint narrative:
I believe my account was compromised. I tried to dispute this with XXXX already. I did not apply with Citi Bank.

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 2021-06-21 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: OH

Complaint narrative:
I believe my account was compromised. I tried to dispute this with equifax already. I did not apply with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: IN

Complaint narrative:
I've been a victim of ID theft and have multiple accounts opened in my name. I've taken EXTREME precautions to get my life back. Currently, I've I have freezes on my SS #. 

This Debt was successfully disputed, removed & closed XX/XX/XXXX XXXX  XXXX SAME DEBT was purchased by a XXXX XXXX file # XXXX for {$5700.00} beginning XX/XX/XXXX then placed on my credit report AGAIN! This caused my score to drop 57 XXXX XXXX XXXX points which is ludicrous!!! 
To my understanding, it is illegal for third party debt collectors to place anything on a credit report. 

XXXX ( Whatever that stands for ) has not sent any formal letters to my address identifying who they are, what this debt us, or given me ANY personal details about the debt other than an amount and name of creditor. They know NOTHING about me at all!!! They use to robo-dialing that hangs up when you answer so you can't event talk to them!!! These are such unprofessional and unwanted business practices! 

I don't owe this debt. Please assist, Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: DE

Complaint narrative:
I have sent the bureaus a request to send me verified results that the debt was indeed mine. They have not sent me verified proof of the debt. Here is the items : XXXX # XXXX, XXXX XXXX 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 2021-06-21 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has failed to properly investigate several accounts on my consumer report. They are willfully and carelessly furnishing inaccurate information which damages my credit reputation thereby stopping me from obtaining credit. I have sent in several correspondence directly to them via the USPS certified mail, all of which they have ignored. The document attached below is the most recent letter I sent them. All my previous letter before the one attached below were ignored in direct violation of the Fair Credit Reporting Act 15 USC 1681i. It has been over sixty-five days since they received those letters and took no action. Unless Equifax takes immediate action, I will be taking legal action against them with the help of my State Attorney General and the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lending Club Corp
State: NJ

Complaint narrative:
I am a repeat customer of Lending Club and this is my second loan. I paid off my first loan with no late payments and decided to get a second loan. Unfortunately, I was laid off due to the pandemic and called Lending Club in XX/XX/XXXX to let them know that I needed help with my payments. My payment was lowered to about {$230.00} and I made that payment ; however, I still did not receive my unemployment benefits and could not make another payment until XX/XX/XXXX. I asked if there was a payment assistance plan available to help me get caught up and the answer was no. I made my {$650.00} payment in XXXX and called again in XX/XX/XXXX to see if there was a payment assistance plan available. Again, the answer was no and I've scheduled a payment of the full amount {$650.00} for XX/XX/XXXX. At which point the Associate stated to call back in 5-6 business days after the XXXX payment posted to see if I'm eligible for a payment assistance plan. Meanwhile, my credit score has taken a major hit and Lending Club seems unwilling to help me get back on track. I have a full-time permanent job and my other creditors ( including XXXX  ) have all helped by providing me a payment assistance plan AND have updated my credit bureau as current. Please let me know if you need anything else. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: MI

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has been ignoring my formal dispute letters for over 92 days now. I sent them all these letters via USPS certified mail green receipt return. I have implored them to investigate several inaccurate accounts which are negatively affecting my credit report and reputation. However, they continue to blatantly violate the Fair Credit Reporting Act ( FCRA ) by not responding to my past letters, not investigating, and not taking any actions in accordance with federal laws. Attached below is the most recent letter I sent them which they are in receipt of and have once again failed to act on in over 30 days as the FCRA outlines. At this point in time unless they delete these inaccurate accounts immediately, with the help of my local State Attorney general I will engage in litigation against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion has failed to properly investigate several accounts on my consumer report. They are willfully and carelessly furnishing inaccurate information which damages my credit reputation thereby stopping me from obtaining credit. I have sent in several correspondence directly to them via the USPS certified mail, all of which they have ignored. The document attached below is the most recent letter I sent them. All my previous letter before the one attached below were ignored in direct violation of the Fair Credit Reporting Act 15 USC 1681i. It has been over sixty-five days since they received those letters and took no action. Unless TransUnion takes immediate action, I will be taking legal action against them with the help of my State Attorney General and the FTC.

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