vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-21 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: FL

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section XXXX ( a ), It states that a failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report its been over XXXX 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 2021-04-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Today I spoke with Equifax employee XXXX, XXXX and yesterday I spoke with Equifax employee XXXX, XXXX REGARDING SOLVING MY ONLINE ACCESS INABILITY TO FUNCTION, MY INABILITY TO GET WEEKLY MANDATED BUREAU REPORTS FROM XXXX XXXX  XXXX  XXXX, MY INABILITY TO DO A TELEPHONE DISPUTE TODAY, YESTERDAY OR ANYTIME.I HAVE SENT WITHIN THE LAST MONTH BEAUTIFUL COPIES FROM MY XXXX DOLLAR SCANNER/PRINTER OF MY CURRENT CALIFORNIA XXXX LICENSE AND AN 8 PAGE XXXX CALIFORNIA EDISON BILL AT MY PRIMARY RESIDENCE SHOWN ACCURATELY ON MY DRIVERS LICENSE. 
BOTH XXXX AND XXXX COULD NOT LOCATE THESE DOCUMENTS ( OR DID NOT HAVE ACCESS TO THEM ) AND PROCEEDED TO DO AUTHENTIFICATION QUESTIONS TO " ID ME AND PROTECT MY INFORMATION '' WHICH IS QUITE LAUGHABLE SINCE I AM A SEVERE VICTIM OF THE XXXX DATA BREACH ) MY INFORMATION HAS BEEN SOLD AND TRADED AMONGST CRIMINALS AND CONTINUES TO THIS VERY DAY ... NOT ONLY WERE CRIMINALS PROVIDED MY DRIVERS LICENSE, THEY WERE ALSO PROVIDED MY EMAIL ADDRESSES AND SECURED THE LOGIN INFO, SO THAT THEY HAVE ACCESS TO EVERY SINGLE BIT OF CONFIDENTIAL DATA ABOUT ME.BECAUSE OF THE SECURITY FREEZES I HAVE PLACED FAIRLY CONSTANTLY SINCE MID XXXX EQUIFAX PREVENTS ME FROM HANDLEING MY OWN CREDIT INFORMATION BUT WHAT I SUSPECT IS THEY ARE ACCOMPLISHING FURTHER COST SAVINGS TO THEMSELVES AT THE EXPENSE AND HARM TO THE PUBLIC.THEY DON'T WANT TO DO DISPUTES OR PROVIDE REPORTS BECAUSE THERE IS A COST TO EQUIFAX, IN OTHER WORDS EQUIFAX IS CORRUPT FROM THE TOP DOWN.THEIR CEO AND BOARD SHOULDN ; T BE RETIRED AND SENT HOME TO CLEAN THE GARAGE ... THEY DESERVE TO BE BUSY SWEEPING OUT THE ADJOINING CELLS OF THEIR FUTURE LIFETIME ROOMATES. 
EQUIFAX IS DESTROYING THE FINANCIAL LIVES OF MILLIONS OF AMERICANS AND XXXX THEIR POCKETS AS THEY DO IT. 
I WILL ATTEMPT TO PUT FORTH THE DISPUTES I NEED TO THAT I COULDN'T GET DONE. 
1.XXXX  XXXX/XXXX  XXXX ACCOUNT IS TO BE REMOVED BY THE CREDITOR, I RECEIVED A NOTE ONXX/XX/XXXX..IT WILL BE ATTACHED ALONG WITH MY LICENSE AND ELECTRIC BILL. 
2, XXXX  XXXX  CAR CARE/DISCOUNT TIRE CARD IS DUPLICATED ON THE EQUIFAX REPORT.I HAVE ALSO RECEIVED A NOTE SAYING THE ACCOUNT WILL BE REMOVED. 
4, XXXX  XXXX.FOR ORIGINAL CREDITOR SYNCHRONY HAS BOUGHT AN ACCOUNT TO COLLECT THAT HAS ALSO BEEN REMOVED OR WILL BE REMOVED FOR FRAUD. 
5.XXXX CALIFORNIA EDISON ACCOUNT SHOWS A XXXX DOLLAR BALANCE IN COLLECTION WHEN FACTUALLY IT IS A XXXX BALANCE AND HAS BEEN FOR A LENGTH OF TOME, MONTHS PLURAL..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: WI

Complaint narrative:
Upon noticing that an account XXXX XXXX XXXX was reporting erroneously on my credit report, I sent letters to all three Credit Bureaus. I also emailed XXXX XXXX XXXX and sent letters to them. 
XXXX, TransUnion and XXXX  all " updated '' this account by deleting payment history but left it in a Derogatory Status without ever providing proof of validation. At the same time, the email responses from the CEO of XXXX XXXX XXXX and an account manager stated no account could be found in my name. Therefore, all three credit bureaus are in violation of the FCRA. I have sent all three Credit Bureaus copies of above mentioned emails with zero results.

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 2021-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Optimal Management Group, LLC
State: OK

Complaint narrative:
THIS COMPANY OPTIMAL MANAGEMENT GROUP DISCLOSED MY SOCIAL SECURITY INFORMATION TO A THIRD PARTY WITHOUT MY CONSENT, WHICH MAKES ME QUESTION IF THEY ARE DISCLOSING THIS SAME INFORMATION TO OTHER PARTIES THAT HAVE NO RELATION TO ME OR OTHERS. THIS DISCLOSURE WAS VIA TEXT AND VOICEMAIL. I HAVE THE TEXT ESSEGES AND VOICEMAILS. 
TEXT MESSAGE IS NOT ASKING " IS THIS ______? AND IS THIS **** YOUR SSN? 
IT WAS IN A STATEMENT FORM AND VERIFYING FOR THEMSELVES. THIS IS VIOLATION OF MY RIGHTS I BELIEVE AND THIS IS NOT THE WAY TO DO ANY COLLECTION OF SUCH. AS WELL AS THEY DID NOT PROVIDE THEIR COLLECTIONS STATEMENTS IN THE BEGINNING OF ANY TEXT OR CALL

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
I submit a market sell order on ROBINHOOD for XXXX XXXX coins on XX/XX/XXXX at XXXX and the order did not execute until XX/XX/XXXX at XXXX XXXX. One minute after I placed the order, I submitted a cancellation request for the sell order. I never received an email for the cancellation, nor for a confirmation of the original sell order. The cancellation never processed even though it went through on the Robinhood XXXX and my shares were sold at a significant loss. I emailed them and they said they would get back to me, this was on the XXXX. No reply since. I feel robbed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I went onto my Experian on my account and I am see a lot of inaccurate information on my report that needs to be removed due to the fact that it is hurting my score. 

XX/XX/2021 Flagged for 119 days past due XX/XX/2021 Flagged for collections XX/XX/2021 Flagged for not more than 2 payments past due

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 2021-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Ive applied for an Apple Card and its been rejected numerous times because of my identity. Ive submitted my ID card and have tried submitting the application with just my last name, with both last names, with first middle last and maiden name and theyve all been rejected for unable to verify identity. I called was told that Goldman Sachs is intrusively and without our permission going through our digital footprint. I feel Im being discriminated based on my gender. Im a transgender female and havent changed my legal name so obviously my digital footprint is all female which matches with my face on my ID but doesnt match with my legal name since I havent changed my legal name. I asked two representatives and they both just repeated themselves and said denials were based on my identity even though they used my social, name, and birthday to get me verified to speak with them. I dont see a valid reason for Goldman Sachs to deny me credit. I have good to excellent credit. So please review Goldman Sachs for this discrimination & for being intrusive with the amount of information theyre illegally taking from our phones without our permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Last XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, TX XXXX To whom it may concern. I am filing a lawsuit on XX/XX/XXXX against XXXX  and Bank of America. I had tried countless times to dispute the item ..Bank of America account that continues to fraudulently report to my credit. Not only is the account fraudulent but the statue of limitations for the particular debt has passed and yet its still being reported. I have hired an consumer attorney to assist with my lawsuit. ( XXXX XXXX XXXX XXXX ) in XXXX Florida.. My consumer attorney is ( XXXX XXXX XXXX XXXX XXXX I brought him all my dispute receipts certified mail documents. I disputed this account. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In which I have all documents to prove. Also Bank of America continues to report fraudulent account. I have wrote them countless letters asking them to verify debt. Asking for original document with my signature, balance owed, terms and agreements etc.. they have not responded at all.. 

The account is below BANK OF AMERICA Account number XXXX .... 
Recent balance {$15000.00} as of XX/XX/XXXX XXXX opened XX/XX/XXXX You have 24 hours to remove fraudulent and negative account or we will proceed seeking full legal damages

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 2021-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: College Assist
State: NC

Complaint narrative:
Federal Student Loan Forgiveness I want to begin the poverty federal student loan forgiveness process. 

I have been unable to receive assistance with the student loan agencies. 

There are two agencies : Loan Type : J Account Number : XXXX First Disbursement Date : XX/XX/2006 Loan Servicer : COLLEGE ASSIST, XXXX Loan Amount : {$150000.00} Interest Rate : 3.88 % And several loans with this one company : Loan Servicer : XXXX  XXXX  AND XXXX  XXXX, XXXX This is the one who refuses to work with me for anything. 

Can you assist?

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 2021-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2021 I submitted a payment for my entire balance on XX/XX/2021 to avoid any interest charge. I assumed, that the payment was made as there was no indication of any rejection. However, on my statement I received a {$480.00} interest charge. 

I noticed the interest charge on XX/XX/2021 and called in hopes of resolving the issue with customer support, but was unsuccessful. 

If a bank can reject a valid payment and then charge interest it seems it is a lose/lose for the customer and this kind of practice is something the CFPB should look into.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Independent Recovery Resources, Inc.
State: NY

Complaint narrative:
After seeing a collection on my credit report. I reviewed my report I did not receive any letter or any correspondence from this collection agency what so ever in reference to a debt owed. After reviewing my credit report, I then contacted the collection agency via certified mail, they received the notice with my information/dispute & correct address where I could be reached. Informed them to provide me with the information and proof of debt and I never received a update or communication via mail. 

Sent the company the dispute on XX/XX/2021 via certified mail for the amount of {$1200.00} They received the dispute on XX/XX/2021. They put Remark on my report : " Account Information Disputed by Consumer, Meets FCRA Requirements '' but never received any correspondence in reference to Proof of debt via mail being I have no idea of what this debt is in relation to. 
again I provided my Current and correct address. Also, my report has my updated correct address on file as well. 
I have also sent out a additional letter due to no response, again with the address they should be sending correspondence to. That letter was sent on XX/XX/2021 Thank you, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-21 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:
In XXXX of XXXX I noticed fraudulent accounts on my credit report and proceeded the identity theft dispute process by providing all necessary documentation including FTC and police reports. As of XX/XX/XXXX all items in questions were removed from report as they were verified to be fraud. On my credit report for XX/XX/XXXX I noticed a XXXX XXXX credit card that was previously removed was added back to report. I proceeded to dispute again on XX/XX/XXXX and XX/XX/XXXX. I called in the disputes as well and XXXX  and Transunion informed me that there was nothing they could do to help even though they could see that it was previously removed due to fraud. This has caused an indescribable amount of stress and hinderance in allowing me to qualify for credit because of this account dragging my score down over 50 points.

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 2021-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc.
State: CO

Complaint narrative:
i'm married and over XXXX XXXX XXXX. i make XXXX a year cutting grass for the city of XXXX AS AN XXXX  XXXX. my wife an i lived on the XXXX yearly income. The city of XXXX don't provide any medical or other benefits. On XX/XX/2020 i felt illed. i visited the emergency room. i was there around 30 minutes. The bill was {$5000.00}. they charge {$160.00} per minute. my wife called many times asking for a reduction due to our limited income but they refused. they agreed to a $ 100 monthly payment. see attached the proof i was making my payments when suddenly a collection from XXXX  XXXX  AARGON AGENCY INC called me that XXXX XXXX sent my account to them because i wasn't making my payments. please see attached proof. it's a lie. i'm accusing XXXX XXXX of elderly abuse and fraudulent collection practices.

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 2021-04-21 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: GA

Complaint narrative:
Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
To whom it may concern : I received a notice from USAA auto insurance saying that on XXXX XXXX, XXXX, their client alleged that while I was leaving a parallel parking space on a XXXX XXXX, I backed into their vehicle and fled the scene. USAA alleged that their client took their vehicle to the claims adjuster and they adjudicated the claim in the amount of {$130.00}. 

When I called to inquire about the allegation, USAA claimed that their client had a video of the alleged incident. In complete disbelieve that USAA alleged that my vehicle caused {$130.00} worth of damage to their clients vehicle, I requested, in good faith, to view or receive a copy of the video to determine that it was indeed my vehicle responsible for the incident -- USAA, over the course of two months, neglected to communicate with me nor send a copy of the video. 

In XX/XX/XXXX, having received no communication from USAA, I wrote them via their web portal requesting them to dismiss the claim. The company, again, did not respond to my inquiry and instead sent my case to collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: WI

Complaint narrative:
Upon noticing that an account XXXX acct # XXXX was being erroneously reported as derogatory, I contacted all three credit bureaus. I also sent letters and emails to XXXX 
Since this derogatory account could not be validated or verified, XXXX  and XXXX  deleted said account. However, Transunion has refused to do so despite not having proof of validation and being unable to provide validation.

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 2021-04-21 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: CA

Complaint narrative:
I'VE BEEN DEALING WITH THESE ACCOUNTS THAT I DID NOT AUTHORIZE FOR SEVERAL MONTHS NOW AND THE CREDIT BUREAUS ARE STILL REPORTING THEM ON MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: CA

Complaint narrative:
I'VE BEEN DEALING WITH THESE ACCOUNTS THAT I DID NOT AUTHORIZE FOR SEVERAL MONTHS NOW AND THE CREDIT BUREAUS ARE STILL REPORTING THEM ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
XXXX XXXX Reporting : Credence Resource Management , LLC XXXX XXXX XXXX XXXX XXXX XXXX,. XXXX, TX XXXX. 
XXXX REF # XXXX I spoke with XXXX  customer service about closing the account. I was told at the time time of closure I would be billed for any remaining balance and then the account would be closed. I was told by XXXX XXXX Department the exacat same information. I was told by XXXX. XXXX  supervisor ID XXXX the same thing, and that my account was not flagged, delinquent nor were there any notes indicated that I ever owed any money. 

I have spoken to multiple Credence Resource Management ( CRM ) representative as well as three XXXX representatives on the phone. Recently I spoke with XXXX XXXX, a ( CRM ) supervisor, who refused to help resolve the issue. 

I now get harassed and I have spent more than 6 hours trying to fix a {$120.00} error that is not mine. It's obvious that this is an error and should be zeroed out. 

Please resolve this now and let me know when it completed. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief