vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-06 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: NY

Complaint narrative:
I am a victim of identity theft. The following information is reporting to my credit report is information that I have no relation to. Under FCRA 605B I am requesting that this information is removed from my credit profile within $ business days of receipt of this letter. I have contacted each creditor and they have failed to provide me with any wet signature contracts stating that I owe a debt or consented for them to run my credit report. The following information is fraudulent ( XXXX XXXX # XXXX {$290.00}, # XXXX {$290.00}, # XXXX {$210.00}, # XXXX {$56.00}, # XXXX {$56.00}. I will be following up with each agency to ensure that this matter is taken care of promptly. Failure to comply will result in a lawsuit against all parties involved. including any agency reporting fraudulent information 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 non-monetary relief
Consumer complaint received 2021-12-06 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: NY

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: MS

Complaint narrative:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified 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 ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the XXXX you caused me. My information was also affected by the Equifax AND THE XXXX data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by TransUnion. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information 's about my inquiries are still on my reports. Therefore, TransUnion 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 is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/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 XXXX Date of inquiry 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 non-monetary relief
Consumer complaint received 2021-12-06 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: MO

Complaint narrative:
I have submitted numerous request of debt verification for " XXXX XXXX XXXX XXXX '' collection account from Transunion credit bureau. Transunion continues to mail me letters stating, " debt has been verified '' but they refuse to provide me with proof of debt validation as required by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-06 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: MI

Complaint narrative:
was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset that you guys would break the law like this. 

XXXX XXXX XXXX reporting on all 3 bureaus inaccurate XXXX XXXX  XXXX reporting on all 3 bureaus inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting on all 3 Bureaus inaccurate XXXX  XXXX reporting on all 3 bureaus inaccurate Independent emergency physic XXXX Reporting on all 3 bureaus inaccurate XXXX XXXX XXXX XXXXXXXX **** reporting on all 3 bureaus Is inaccurate and it keeps being removed then added back which is breaking another law which ( Equifax ) should be fined, its obvious the multiple inaccuracies where shown.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
I've paid the company Portfolio Recovery off and the creditor didn't remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
NewRez mortgage, my current FHA mortgage holder kept calling and emailing me about refinancing. I finally gave in and did their process and not communicated with through the entire process. I was advised that this was an FHA streamlined finance with no out of pocket to me. The first closing date arrived and the notary requested a check for $ XXXX dollars that I had never been advised of. I cancelled the closing and asked them to stop the process as they had lied to me and I didnt trust them. They then came back and somehow the closing funds were half and I was given a hard-sell for a Monday XXXX closing. I agreed and when the new amount was sent on XXXX  XXXX in the morning it was {$1900.00}, and not the {$900.00} figure quoted. I asked them to please fix it and was told theyd get back to me immediately. They didnt. Now its closing day and they are giving me a new number altogether. Its a mess. Nobody responds and the closing figures have changed many times and NONE of those times were the no cost I was promised. Ive waited time and got my credit score by trusting these folks. It is New Rez Mortgage and the sales guy is XXXX XXXX. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Ballybunion Enterprises, Inc
State: CA

Complaint narrative:
I paid off my Freedom credit accounts back in XXXX and it is still on my credit report. I called asked speak to a supervisor on Monday XXXX at XXXX XXXX.The rep says she can not locate my accounts she was very XXXX and had XXXX XXXX I filed paperwork for small claims court because I made over XXXX attempts to get this resolved. Also a account was opened in XXXX when I was already out the military this is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Plastiq Inc.
State: NY

Complaint narrative:
XXXX dollars was taken from my account to pay a recipient for my bill but the recipient never received the payment

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX account # XXXX {$12000.00} the creditor said they would not report any negative payment to the bureaus for 6 months because I called prior to advise them my income had changed significantly due to covid. I even asked the representative if there was anything I needed to sign and she said no that she would enter all information into the system. 


When Federal Law Prohibits Negative Credit Reporting The CARES Act, which President Trump signed into law on XX/XX/2020, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances. 

Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. ( A " furnisher '' is an entity, like a lender or creditor, that provides information relating to consumers to one or more credit reporting agencies for inclusion in a credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: TX

Complaint narrative:
I just contacted Experian about these XXXX creditors that have added an unauthorized credit inquiry on my credit file. They did not comply with my request and i am requesting the deletion of these XXXX inquiries. I have contacted these XXXX creditors and they have nothing on file for me. 

XXXX XXXX XX/XX/2021 XXXX Credit/Griffith XX/XX/2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FEDChex Recovery, LLC
State: NJ

Complaint narrative:
This company has called and texted me numerous times in an attempt to collect an alleged debt. They have violated my rights as a consumer by contacting me without my written consent or the consent of a court of competent jurisdiction. That is against the law. They've also obtained my information without my consent with is infringement upon a consumer right to privacy. Furthermore, I sent them a cease and desist letter and they never responded which is violating my right to enforce my rights. This company has been very deceptive and tried taking advantage of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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 tried removing a XXXX bank credit card from my credit report that belongs to my ex wife of now 4 years. They refuse to remove it after now two attempts through equifax as I am unable to reach a representative to speak with on the matter. Im just looking to correct this issue as its causing an unwarranted negative impact on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: NC

Complaint narrative:
I started a dispute with Equifax on XX/XX/2021 for the XXXX XXXX  that is on my credit and any remaining accounts that were included in the XXXX. At first I was not getting any responses from Equifax so I sent another dispute on XX/XX/2021 and XX/XX/2021. For the disputes I sent on XX/XX/2021 I finally got a mailed response from Equifax but it was false! They claimed that they verified my XXXX  with XXXX XXXX but that's not possible since my XXXX XXXX report is frozen and doesn't allow to verify nor does it even show the XXXX because it's frozen!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
A women named XXXX XXXX friended me on XXXX, sent me a message and we began chatting. Here account link is XXXX XXXX XXXX XXXX XXXX She asked to chat on XXXX and gave me her number and I gave her mine. Here number is : XXXX XXXX XXXX. She first messaged me on XX/XX/2021 and said she lived in XXXX and New York. 
After two weeks of chatting on XX/XX/2021 she brought up the subject of crypto currency and investing in mining in ETH crypto mining in my Coinbase Wallet. She said that it is a safe investment with good returns and she could show me how to do it. She said I could start out with {$1000.00} and would be making {$5.00} dollars per day mining ETH crypto currency and the more USDT crypto currency I had in my Coinbase Wallet the higher my returns. She also said that the mining platform is a part of Coinbase which is safe and secure. 
She instructed me how to set up the platform in my Coinbase Wallet and I added {$1000.00} dollars. I began to see the returns that she promised. She began to message me every day telling me I should add more funds and I am missing out on great returns. By XX/XX/2021 my total funds invested were {$37000.00}. Later that day the total amount of funds was withdrawn from my account without my permission. I messaged her to ask why this happened and she said I would have to deposit funds totaling {$150000.00} to withdraw the original funds which I did not do. I reported this to Coinbase and they said that my Coinbase Wallet was compromised and there is nothing that they can do. 
After researching this I found out it is a scam out of XXXX called XXXX XXXX  run by the XXXX XXXX or XXXX and that many people have had hundreds of millions of dollars stolen. What is worse I recommended this crypto mining scan to two friends who lost {$32000.00} and {$52000.00} from what I thought was a secure investment. 
The crypto mining websites I was using were : XXXX, XXXX & XXXX all of which are registered in XXXX XXXX XXXX Coinbase has done nothing to help me recover these stolen funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT FROM MY CREDIT REPORT : XXXX XXXX XXXX Date of inquiry : XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: WA

Complaint narrative:
XX/XX/21 I am having trouble receiving my escrow refund from Specialize Loan Servicing after refinancing my mortgage loan with them. My mortgage loan with Specialized Loan Servicing was paid off in full on XX/XX/21. I am due an escrow refund of {$6500.00} which I have not received. I was told by the escrow department of SLS that a check for this amount was mailed out on XX/XX/21. The check to this day has never arrived. My mailing address has not changed and has been verified. I was told that all they could do is stop payment on the first check and reissue a second check. The second check was apparently mailed out on XX/XX/21. To this day I have not received the second check! I called the escrow department again today and was told all they could do is issue another check which will take a week to mail out. I live in XXXX, XXXX XXXX'm told the check is being mailed from XXXX  The fact that I have not received either check after 2 months makes me question whether they are indeed mailing out these checks! Please look into this matter. I'm very concerned that I will never see my refund. Thank you. 

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 2021-12-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
CARTER-YOUNG ( Original Creditor : XXXX XXXX XXXX ) {$4100.00} I NEVER BEEN IN THIS PLACE! I NEVER GET ANY APARTMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: WA

Complaint narrative:
For months I have been trying to have an account that I did not recognize and therefore was fraudulent from my consumer credit report. The account being referenced is from XXXX XXXX XXXX. I have disputed this account with the credit reporting agency several times, asking them to not just verify but validate that this account belongs to me. Each time I either received no response at all, for our received a very geneXXXX XXXX XXXX XXXX sentence response, which I can only assume is in auto response form letter that does not provide the information I requested in regards to how the account was validated. Specifically, what method was used, what phone number/address was used, who was spoken to, and what documentation was provided to them that allow them to reach this conclusion. Which is also required by law to ensure that they conduct a reasonable investigation, and not just be able to say whatever they want, but have to actually prove it. 

I have also reached out to the creditor that was listed on this account. Both by phone, and certified mail. By phone the individuals I spoke to informed me that they do not have any account by my name or by the listed account number on their records. So I sent letters via certified mail to the addresses listed for the creditors on my consumer credit report on Those letters were received on And as of this time I have not received a response from them. Which puts them out of the 30 days they are allowed by law to respond which makes the nail noncompliant which means this account must now be removed immediately. 

Here is a list of all the letters I have sent regarding this matter along with the dates they were sent, the dates they were received, and the response. 

Dispute sent to Experian XX/XX/2021, received XX/XX/2021. Response : XXXX ( Not XXXX ). 
Dispute sent to Experian XX/XX/2021, received XX/XX/2021. Response : XXXX ( Not XXXX ). 
Request for VALIDATION/INFORMATION OF DEBT sent to XXXX XXXX XXXX XX/XX/2021 XXXX received XX/XX/2021. NO RESPONSE. 
Request for VALIDATION/INFORMATION OF DEBT sent to XXXX XXXX XXXX XX/XX/2021 XXXX received XX/XX/2021. NO RESPONSE. 

You will find all of the letters mentioned above as well as an ftc report and XXXX data breach claim attached to this complaint. 

Thank you, 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 non-monetary relief
Consumer complaint received 2021-12-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My appellation is XXXX XXXX. I am making this complaint of my own accord, there is no third party involved. I do not consent to e-oscar verification. Capital One has violated 15 usc 1681s-2 as well as 15 usc 1692g by failing to validate the alleged debt they are falsely reporting to credit reporting agencies for more than 90 days. I am a natural person, consumer and of sound mind to know and act in good faith. I authorize Capital One to remove this inaccuracy.

Company response to consumer: Closed with explanation