vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-08 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: MI

Complaint narrative:
PLEASE DO NOT CLOSE THIS COMPLIANT AS THIS IS NOT DUPLICATE, AND I NEED ASSISTANCE IMMEDIATELY. THE SAME COMPANIES MAYBE LISTED IN DIFFERENT COMPLIANTS, BUT LISTEN MY PROBLEM IS NOT SOLVED, NOR HAS IT BEEN, SO I WILL CONTINUE TO FILE A COMPLAINT UNTIL I GET THE INACCURATE accounts ( REMOVED ) FROM CREDIT REPORT XXXXCHAPTER XXXX BANKRUPTCY ( REMOVED ) XXXX ( REMOVED ) XXXX XXXX ( REMOVED ) XXXX. XXXX XXXX ( REMOVED ) XXXX CREDIT ACCEPTANCE ( LATE PAYMENT REMOVED ) Hello, To Whom It XXXX Concern As Ive been disputing CHAPTER XXXX BANKRUPTCY from my credit REPORT, Since XX/XX/2021 along with other inaccuracies, Such As XXXX XXXX XXXXXXXX XXXX  XXXX AND XXXX XXXX Ive also filled multiple complaints do to this same reasoning. In results to the complaint I still havent received the satisfactory results I need. Such as investigating the inaccurate accounts, and removing accounts once it comes back as unverified. The companies listed above are also refusing to READ, and accept the certified documentation supporting my disputes. The companies XXXX, XXXX, EXPERIAN, AND XXXX. Are constantly refusing to update my credit file, nor are they using my supporting documentation for evidence. They are refusing to communicate with each other/creditor. Informing me I should dispute the inaccurate accounts directly through the creditor. In results to me disputing the inaccurate accounts DIRECTLY with the creditor. I received more than a few documents stating I do no owe on any accounts listed above. Chapter XXXX bankruptcy has also came back as unverified, and I was NEVER LATE ON CREDIT ACCEPTANCE ACCOUNT. I dont think its fair for XXXX XXXX XXXX XXXX XXXX XXXX AND EXPERIAN XXXX TO LIE AND SHARE WITH THE CFPB STATING THEIR STILL WORKING ON SUCH DISPUTES. BUT IN THE MEANTIME INFORMING ME THE ACCOUNTS ARE VERIFIED AND WILL NOT BE REMOVED. As their is nothing to work on they just need to complete their job and update my credit report As Ive already provided correct documentation multiple times. STATING THE REMOVAL OF UNVERIFIED ACCOUNTS. Today on XXXXXXXXXXXX I was told by EXPERIAN REPRESENTATIVE THEYll continue to report the inaccurate accounts, and refusing to delete the accounts, until THE CREDITOR XXXX, XXXX, XXXX XXXX CONTACT THEM, although the companies are refusing to communicate with each other, and delete the inaccurate accounts. This is not fair as Im the little guy, and the big companies are getting away with lieing to the CFPB, and not doing their job I should not have to constantly file a complaint after complaint.

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 2021-12-08 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: HI

Complaint narrative:
EQUIFAX IS REPORTING AN ABSOLUTELY FRAUDULENT AND UNKNOWN ADDRESS ON MY CREDIT REPORT< IN A TOTALLY DIFFERENT STATE> THIS IS THE INCORRECT ADDRESS SHOWN ON MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX???? 
NEVER BEEN THERE AND THERE NEVER LIVED THERE! RIDICULOUS! 
THIS ADDRESS SHOWED UP OUT OF NOWHERE ON MY CREDIT REPORT ON XX/XX/XXXX, AND I BELIEVE THIS IS A RETALIATION ATTEMPT BY EQUIFAX TO PURPOSELY MESS UP MY CREDIT REPORT, DUE TO THE FACT THAT I HAVE BEEN DISPUTING ACCOUNTS WITH EQUIFAX RECENTLY! 
EQUIFAX EVEN JUST SENT ME A LETTER TO MY HAWAII ADDRESS ( SEE ATTACHMENT ) I DISPUTED THIS ADDRESS WITH EQUIFAX AND SENT THEM A COPY OF MY HAWAII DRIVERS LICENSE - YET EQUIFAX SAID THIS FAKE FLORIDA ADDRESS IS VERIFIED- WHAT A FRAUD AND VIOLATION OF MY RIGHTS- I WILL CONSULT WITH MY LAWYER AND CONSIDER A LAWSUIT, IF THIS FAKE ADDRESS IS NOT REMOVED IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: DE

Complaint narrative:
In XXXX I submitted an application for financial relief assistance. It has been my experience my loan servicer has not been able to properly assist with. I have called customer service fir information and representatives have not been able to explain my options properly. I received notice I would get a call. When I asked customer service they advised it would be a letter. Another call I attempted speaking with the person assigned to review my app but was told the name and extension is just generic info listed on my notice 'no one is really assigned ' is what I was told. That same rep advised that per notes on account I didnt qualify for any assistance because loan was still new and my circumstance was not covid related. My circumstance is due to change in my income. Im currently out on short term leave due to having a baby and I am the only income due to loss of job of my partner. I need help and I have not been properly addressed or assisted.

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 2021-12-08 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: NY

Complaint narrative:
I am writing you today hoping someone here can help me because I haven't gotten any help, response, in regards to the validation or compliance of accounts which are negatively effecting me and reporting to my credit. This is causing me stress daily including any situation where I am penalized for these unverified items reporting to my credit. The accounts that have been effecting me because of the disregard to compliance and validation are, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX XXXX XXXX, NJ XXXX XXXX XXXX, I AM BEGGING YOU TO DELETE THIS SO I CAN LEAD A NORMAL LIFE WHERE I AM NOT JUDGED BY THESE INCORRECT AND INVALIDATED ACCOUNTS ON MY 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 2021-12-08 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: NY

Complaint narrative:
I am writing you today hoping someone here can help me because I haven't gotten any help, response, in regards to the validation or compliance of accounts which are negatively effecting me and reporting to my credit. This is causing me stress daily including any situation where I am penalized for these unverified items reporting to my credit. The accounts that have been effecting me because of the disregard to compliance and validation are, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX XXXX XXXX, NJ XXXX XXXX XXXX, I AM BEGGING YOU TO DELETE THIS SO I CAN LEAD A NORMAL LIFE WHERE I AM NOT JUDGED BY THESE INCORRECT AND INVALIDATED ACCOUNTS ON MY 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 2021-12-08 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: NY

Complaint narrative:
I am a young kid with a whole life ahead of me and I can not do anything in my life currently because of the effects of this negative account reporting to my credit. I have reached out to all bureaus in regards to this single account that is effecting me and causing me stress. There has been no help or validation of the account from any XXXX of them. The account that is not validated and totally violating any sort of compliance in regards to credit reporting is, Account name : XXXX XXXX, Account # : XXXX, Not to mention this account is not even reporting to my XXXX account therefore it should not be reporting to XXXX XXXX XXXX Experian. PLEASE DELETE THIS ACCOUNT AS SOON AS POSSIBLE!

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 2021-12-08 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: CA

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNT from my credit report immediately. They are a result of ID theft. Beside these items. Please remove these items which are not authorized by me as soon as possible.

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 2021-12-08 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: CA

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNT from my credit report immediately. They are a result of ID theft. Beside these items. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SHABANA MOTORS
State: TX

Complaint narrative:
I have notified XXXX as well as Shabana Motors to inform them that neither of them entered a notice of dispute for this account when it was disputed in XX/XX/2021, XX/XX/2021 and XX/XX/2021. I informed them they were in violation and yet the account continues to report while they are both in violation of the FCRA. Each time I pulled a new report the I have proof the notice was never entered by either the original creditor or XXXX. They simply have refused to comply and I have not gotten anywhere with either company. it is repetitive disputes to no avail with them simply not being compliant!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Please accept my apologies for my persistence. However, I received my statement and there are questions that remain unsolved. 

As of XXXX XXXX my installment of {$1300.00} is due. 

Also, the XXXX mortgage has not been paid as I have not received the requested form signed by you for Mortgage Assistance. I sent it to you and the Mortgage verification form was confirmed as received. The XXXX mortgage will get paid as soon as I receive the requested form. 

Since my mortgage was never re-affirmed, my understanding is that my current due balance is {$2700.00} for both XXXX and XXXX. Yet, the XX/XX/XXXX statement says the amount due is- {$2800.00}. 

Why am I being charged {$51.00} extra without a clear explanation on the XX/XX/XXXX statement? 
My past unpaid payment is listed as : {$1400.00}. 

If this {$51.00} happens to be one of the several legal fees that you are requiring for me to pay, shouldn't that fee be listed separately and not disguised in my past unpaid payment? 

Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: NY

Complaint narrative:
I am a young kid with a whole life ahead of me and I can not do anything in my life currently because of the effects of this negative account reporting to my credit. I have reached out to all bureaus in regards to this single account that is effecting me and causing me stress. There has been no help or validation of the account from any XXXX of them. The account that is not validated and totally violating any sort of compliance in regards to credit reporting is, Account name : XXXX XXXX, Account # : XXXX, Not to mention this account is not even reporting to my XXXX account therefore it should not be reporting to trans union XXXX XXXX. PLEASE DELETE THIS ACCOUNT AS SOON AS POSSIBLE!

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 2021-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
I created my PayPal account in XXXX and I am XXXX citizen. 

In XXXX of 2021 I sold XXXX watches ( On XX/XX/XXXX ) and XXXX watch ( XX/XX/XXXX ) on XXXX XXXX XXXX XXXX and got paid with PayPal goods and services. Watches were shipped from within XXXX. It total I received {$1200.00}. 

Once buyers transferred the money it was held for 21 days since I recently created the account and was a new seller. After XXXX days money was released and I tried to transfer it to my debit card that was linked to my PayPal account. PayPal stopped the transaction and request an ID and receipts for items that I sold. 

I explained that it was my personal used watches, I don't have receipts for them but I provided passport. Customer service representative told me that they will resolve the issue. Next day my account was permanently suspended and funds were frozen for 180 days. 

I informed XXXX of the buyers. He asked me to refund him the money which was {$1000.00} and he would send it other way. I called PayPal and they refunded {$1000.00} on XXXX of XXXX to the buyer. Since it was paid with credit card it supposed to go to buyers credit card account. He never received the money. 

PayPal lifted my account limitation on XXXX of XXXX, 2021 and I was able to transfer the remaining amount to my card. I called PayPal many times over the course of 6 months, trying to resolve the issue and they told me that buyer needs to resolve it from his side. The buyer tried to resolve it and get a trace of transaction but PayPal did not provide any trace. PayPal told him that they don't know what happened and don't know how I was able to refund him after limitation. I have transaction record on my PayPal account and buyer also has transaction record of refund that states that it is refunded to his credit card. But he never received the money. Buyer provided me with all the proof and still in touch with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: NV

Complaint narrative:
Discover closed ( REVOKED ) my account claiming " malicious debt avoidance. '' The account was in good standing and all payments due were paid and up-to-date. The also confiscated my ORIGINAL negotiable instrument, valued at {$50000.00}, uploaded it to their database - but didn't return it to me. 
I submitted to Discover Financial Services, via certified mail/return receipt, a negotiable instrument, payable to bearer without recourse valued at XXXX XXXX dollars and XXXX/XXXX  cents ( {$50000.00} ). The accompanying instructions provided that their remittance payment coupon was accepted by the consumer, endorsed and made payable to the bearer, and that the limit should be increased and that the balance should be zeroed out. According to [ Exhibit B ], the instrument ( document ) had been dishonored, and yet it has not been returned, to me. 
Discover Financial Services has both, caused harm and issued threats up my federally protected, lawful rights to services for personal, family, and household purposes. This harm is due directly from Discover Financial Services unfair practices and false and misleading representation. Discover Financial Services contacted the credit reporting agencies ( XXXX, and XXXX ) to inform them that they had closed the consumers credit account. This communication was unauthorized and an invasion of privacy, and an unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have contacted XXXX, Transunion and XXXX to notify them they are in violation for not entering a notice of dispute for this account that I disputed in XX/XX/2021 and XX/XX/2021. They had plenty of time and failed to enter a notice of dispute within the timeframe allotted by the FCRA. As usual, XXXX ignored me and continues to report this account as if they are not in violation. I also wrote XXXX directly with no response. Creditors and credit bureaus can not continue to violate and have no penalty or consequence for their complete negligence for consumer laws.

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 2021-12-08 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: LA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX Inquired on XXXX XXXX, XXXX  XXXX  Inquired on XXXX XXXX, XXXX  XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 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 2021-12-08 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: LA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX, XXXX XXXX Inquired on XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2021-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PRIMARY RESIDENTIAL MORTGAGE
State: MA

Complaint narrative:
I applied and was approved for a mortgage loan, paid earrnest money, had inspection and appraisal done, and had the closing date scheduled. About a week before the closing date we were informed that there is a lawsuit involving the XXXX XXXX company and the property we were set to purchase and that we would not be able to make the purchase until litigation is settled. The XXXX XXXX involved in the lawsuit will not divulge to me the nature of the lawsuit nor when litigation will be finalized, nor to the mortgage lender attorneys. my wife and I have placed our belongings in storage and are forced to stay at a relatives home. this lawsuit has been ongoing since XX/XX/2019 with no end in sight so I was obliged to cancel the transaction.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation