vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-01 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Equifax tells me I will never be able to access my online portal again because I answered one verification questions incorrectly.

When it first happened I called them up and asked them why and they explained and then said to mail in a copy of my drivers license, passport, SS card and utility bill. I sent that along with a letter.

I waited a month and called back to verify everything. They said they never received it and to send the exact same info again. I asked them why since it would be the same thing happening again.

So I sent it again and this time I sent it USPS certified mail. It shows they received it XX/XX/2020. I called back at the end of XXXX to discuss getting my online access and they said they never received it. 

I asked how could they possibly say they didnt get it when the USPS certified mail shows they did get it.

I have done everything that Equifax asked and also have a confirmation they received my information via USPS certified mail.  Tracking # is XXXX XXXX XXXX XXXX XXXX Then the representative changed her story and said that I will no longer be able to access my online portal. I asked if I need to resend it again and she said no there is nothing I can do to get access. 

So they are holding my online access hostage and there is nothing I can do.

She said I can always use the telephone or mail-in option. Thats a bit of a joke considering the people I have talked to have never helped, changed their story and contradicted themselves. 

How can I use their mail-in option if I sent something simple to them twice and they say they never received it even though the second time was through certified mail and proves they did receive it? 

Equifax is a for-profit corporation that does not seem to care at all and is extremely unorganized. I have sent certified mail to sever entities in the past with no issues, this is the only one to claim they didnt receive it.

They are holding my own credit file hostage from accessing online.

I own a personal finance and credit education company that teaches about the credit bureaus and believe they are discriminating against me due to those factors.

They have a 1 star rating on the XXXX  with over XXXX complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern : On XX/XX/XXXX, XXXX, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For XXXX 1. The high credit or original amount is being reported inaccurately and inconsistently on all three bureau reports. All information on a consumer report must not only be accurate but also consistent on all three bureaus. How is it that there is a discrepancy in this account? 
XXXX Account Number : XXXX Delete this account for reporting inaccurate information. 
2. I am looking at a balance in the amount of {$1700.00} under this collection account. How is that possible? Sold account can not carry balances at all. This is utterly incorrect! 
XXXX XXXX Account Number : XXXX Delete this inaccuracy from my report IMMEDIATELY! 

For EXPERIAN 1. I am looking at a balance in the amount of {$1700.00} under this collection account. How is that possible? Sold account can not carry balances at all. This is utterly incorrect! 
XXXX XXXX Account Number : XXXX Delete this inaccuracy from my report IMMEDIATELY! 

For XXXX  1. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The high credit or original amount is being reported inaccurately and inconsistently on all three bureau reports. All information on a consumer report must not only be accurate but also consistent on all three bureaus. How is it that there is a discrepancy in this account? 
XXXX Account Number : XXXX Delete this account for reporting inaccurate 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 2020-09-01 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: AR

Complaint narrative:
Every time I get a quote for insurance either I was ineligible, or it was too high. I would always ask what the reason for this and I was always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Please remove these items from my report. XXXX  XXXX {$500.00} XXXX  XXXX   XXXX {$660.00} XXXX  XXXX  XXXX {$1200.00}

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 2020-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: NV

Complaint narrative:
i have try to contact the company that claims i owe a debt however the information they have is wrong the social security number they have do not belong to me and is unable to provide me with any paper work with the right social security number on it that i sign and the social security is my correct social securiy number

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I recently purchase a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX in the amount of {$68.00} on XX/XX/2020 through XXXX from Ace Prospect International Limited with my credit card from Capital One. I contacted Capital One on XX/XX/2020 to file a dispute with the company. The company sent a via ups Tracking XXXX. 
On XX/XX/2020 at XXXX XXXX  I contacted XXXX  customer service ( XXXX ) stated that the item was delivered at XXXX XXXX XXXX XXXX XXXX, IL XXXX and purchase from XXXX. My purchase was made through XXXX which have my correct address listed as XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX. Neither I nor anyone authorized by me has signed for or received the merchandise. 
contacted customer Capital One service and I was getting the run around on the phone for about 42 minutes the last person I spoke was XXXX from fraud that kept me on hold after asking her to speak to a supervisor

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
These accounts are older than 7 years old and should be removed from my credit report immediately my children are now adults with kids. these payments stopped more than 7 years ago the balance remains the samePlease help me with this problem

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 2020-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
These accounts are older than 7 years old and should be removed from my credit report immediately my children are now adults with kids. these payments stopped more than 7 years ago the balance remains the samePlease help me with this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I am currently in a chapter XXXX bankruptcy case and PHH mortgage has been slow and in some cases failed to update payments to their processing centers. This this has threatened to kick me from the stay at my property. I have sent all copies of the checks and posted dates from my financial institution and PHH will still not make the corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern, Going over my credit report, I have found that there is inaccurate information listed such as my name ( s ) and address ( es ) in which I am requesting an investigation for the following erroneous items : I Demand Deletion of all these inaccurate names : - XXXX XXXX - XXXX XXXX XXXX I Demand Deletion of all these inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX My correct information is as follows and I have attached proper documentation to support my request : ( can send a utility bill etc. to show that you reside there and a copy of your licenses. 

1. My name is XXXX XXXX XXXX and should be spelled, FIRST NAME IS XXXX, MIDDLE NAME IS XXXX AND LAST NAME IS XXXX. 

XXXX. My current address is : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please delete the above disputed items and ( 30 ) days constitutes a reasonable amount of time for investigation. Per the Fair Credit Reporting Act, send me notification that these items have been deleted, as well as an updated copy of 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 2020-09-01 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern, Going over my credit report, I have found that there is inaccurate information listed such as my name ( s ) and address ( es ) in which I am requesting an investigation for the following erroneous items : I Demand Deletion of all these inaccurate names : - XXXX XXXX - XXXX XXXX XXXX I Demand Deletion of all these inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX  XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX My correct information is as follows and I have attached proper documentation to support my request : ( can send a utility bill etc. to show that you reside there and a copy of your licenses. 

1. My name is XXXX XXXX XXXX and should be spelled, FIRST NAME IS XXXX, MIDDLE NAME IS XXXX AND LAST NAME IS XXXX. 

2. My current address is : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please delete the above disputed items and ( 30 ) days constitutes a reasonable amount of time for investigation. Per the Fair Credit Reporting Act, send me notification that these items have been deleted, as well as an updated copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
For the last six months I have been disputing with the three credit bureaus and no resultion.

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 2020-09-01 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: SC

Complaint narrative:
For the last six months I have been disputing with the three credit bureaus and no resultion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
For the last six months I have been disputing with the three credit bureaus and no resultion.

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 2020-09-01 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
To Whom It May Concern : On XX/XX/2020, XXXX, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For XXXX  1. Medical accounts should not be reported because it is a breach of HIPPA Privacy Rule and I never gave you authorization to report my sensitive medical records on my credit file. 
XXXX XXXX Account Number : XXXX REMOVE FOR HIPPA VIOLATION For EXPERIAN 1. Medical accounts should not be reported because it is a breach of HIPPA Privacy Rule and I never gave you authorization to report my sensitive medical records on my credit file. 
XXXX XXXX Account Number : XXXX REMOVE FOR HIPPA VIOLATION For XXXX 1. Medical accounts should not be reported because it is a breach of HIPPA Privacy Rule and I never gave you authorization to report my sensitive medical records on my credit file. 
XXXX XXXX Account Number : XXXX REMOVE FOR HIPPA VIOLATION

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 2020-09-01 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: AR

Complaint narrative:
Every time I get a quote for insurance either I was ineligible, or it was too high. I would always ask what the reason for this and I was always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Please remove these items from my report. XXXX  XXXX {$500.00} XXXX XXXX  XXXX {$660.00} XXXX XXXX XXXX {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: AR

Complaint narrative:
Every time I get a quote for insurance either I was ineligible, or it was too high. I would always ask what the reason for this and I was always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Please remove these items from my report. XXXX XXXX {$500.00} XXXX XXXX   XXXX {$660.00} XXXX XXXX XXXX {$1200.00}

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 2020-09-01 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: AR

Complaint narrative:
XXXX XXXX sent me an email that it looked like my personal data may had been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are definitely not mine. Please remove these items from my report.XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$600.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$16000.00} XXXX XXXX XXXX XX/XX/XXXX {$110.00} XXXX XXXX XXXX XX/XX/XXXX {$590.00} XXXX XXXX XX/XX/XXXX {$230.00}

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 2020-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
debt is with a third party, i have no obligation to pay 3rd party services balance owed to Capital One

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FC HoldCo LLC
State: TX

Complaint narrative:
At the end of XXXX early XXXX I contacted my lender Flagship credit and advised that my husband was not working and that he was diagnosed with XXXX and that it was affecting our family. They agreed to take the rest of XXXX payment and place to the end of the loan. If i could set up payments to take care of XXXX payment. I agreed. I made one payment over the phone with the rep and he set up the second half of the XXXX payment for XX/XX/XXXX. I listened to a recording and agreed to the terms of the extension. Fast Forward.. The second half of the XXXX payment was taken out on XX/XX/XXXX. 

On XX/XX/XXXX. They called me and say I owe XXXX and that my account in 29 days delinquent. I told them about the extension. The rep said the extension was denied and that I should have called back.. Really! I was approved over the phone. I asked to speak to a supervisor. He or she never came to the phone!! These people are liars! Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
-Contacted Ability Recovery on XX/XX/XXXX -Disputed with XXXX   XX/XX/XXXX -Document from insurance company showed I owed {$0.00} to provider, submitted with dispute and to collection agency. 
-Service date XX/XX/XXXX -Amount 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 2020-09-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Premier Auto Credit
State: CA

Complaint narrative:
premier auto credit trying to repo my car for fees although I have paid the primary loan off they refuse to work with me on fees owed and all of a sudden my primary balance states I owe {$11.00} I'm thinking they are putting this to have reason to repo cause although I paid XXXX dollars two weeks ago the 11 magically appeared again I told them can I make  arrangement for the fees they said no they also were very rude saying that they are not the cause of the pandemic and they didn't cause my XXXX XXXX. The also have sent text messages saying they hacked phones etc ... They are very rude when you're asking them for help to work out something. They call several times a day and when I answer no one says anything and when I call I get hung up on I owe a lil over XXXX in fees and I can get my title all I ask is if they can work with me and I continue to pay monthly until it's paid because right now I am on medical XXXX and I am not working due to health but I do get enough monthly to make the payments XXXX  don't think I can return to work until XXXX. Instead I get rude people on the phone when I do talk to someone. It's not like I'm trying to run from my debt I have paid every month for three years. I need my car my XXXX XXXX  are all out of this area I have children. They seem heartless I paid my principal off and more just keeps popping up.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation