vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-04 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: NY

Complaint narrative:
I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: AL

Complaint narrative:
I AM LOOKING AT MY CREDIT REPORT AND I HAVE A LOT OF FRAUDULENT ACCOUNTS. ALONG WITH FRAUDULENT INQUIRIES. THESE ACCOUNT ARE CAUSING ME A LOT OF EMOTIONAL DISTRESS FOR MY FAMILY AND ME. HOW CAN I PROGRESS AND DO WHAT I NEED TO DO WHEN THE BUREUAS ALLOW THESE FRAUDUENT ACCOUNTS ON MY CREDIT PROFILE. There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

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 2021-03-04 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:
I submitted dispute letters to Transunion, XXXX  and XXXX  In XX/XX/2021, XX/XX/2021 and in XX/XX/2021. I submitted along with my dispute letters a copy of my FTC identity theft report, a signed and norarized identity theft affidavidt, my state ID and a copy of my social security card. 

I received letters from all 3 bureaus stating that I needed to submit copies of identity theft reports and identity theft affidavidt, .I have already submitted those documents along with my dispute letters to them, and I believe they are refusing to correct the inaccuracies on my report on purpose. 

They did not investigate the inaccurate accounts, instead sent me a letter asking for the paperwork I already sent to them. This has been going on for more than 90 days. They did not investigate the inaxxuracies and did not honor the ID theft and FTC report i submitted to them.

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 2021-03-04 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Please see attached letter 's mailed to your CARDMEMBER SERVICES XXXX XXXX XXXX XXXX, DE XXXX and to your Chase Bank Attn : Executive Office XXXX XXXX XXXX / XXXX XXXX, OH XXXX Not getting a response in writing as requested.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: INTERCONTINENTAL CAPITAL GROUP
State: CA

Complaint narrative:
I got a letter from Intercontinental capital group XXXX XXXX XXXX Ca. XXXX with a Visa {$100.00} gift card telling me to call ( XXXX ) XXXX, I called the number and a Mr. XXXX XXXX told me there is no strings attached to the card activation so I told him to please Activate my card he then told me well you have to do a servey, I asked him so youi just said there is no strings attached??? So why would I have do a servey? he refused to activate the car I told him that that is fraud per 448 california Penal Code for fraud. He still refused so I call the number on the back of the card got a man who did not want to talk to me due to the fact I had my phone number wrong I have XXXX and am XXXX, I asked him if he knew what ADA was he said NO! I hung up due to a second person got on the line and said it is ok to attach strings even though they say there is none i hung up. 
This is fraud I cant believe that this is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Today I reviewing my credit report and wanted dispute a negative report and one the drop down options to dispute it was because CODVIC. I agree it we need for help. Why extra help in only for CODVIC. I loss my home because illness of XXXX XXXX when the Bank nor HUD help me find a place I still homeless and place in Forecloser and XXXX XXXX force themselves in my home when they was not supposed to the and within XXXX still reporting for loss to resigned from my job to care for myself and had fight for my United States Social Security Tax or Insurance that I was not approved until XXXX still homeless and told be the XXXX XXXX New Jersey XXXX XXXX Welfare that I have to work before they help me. During this time XXXX loss my house denied benefit and claims from XXXX, XXXX and XXXX XXXX. I work for 16 years and try to prepare for this time now I have nothing. I woman who worked for XXXX and they denied to help me and work all my life in State of New Jersey were they did not help just keep being denied and I been used as test patient in care and programs. The State of New Jersey did not pay me for the XXXX Furlough nor did they pay me why I XXXX  Disable or Unemployment insurance. Were is the help when you have to fight for your life and health. Now I'm face with not being to rent in Hud Apartment or Affordable Housing because the resource not there and people are still misreporting items on credit report. My credit is low

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 2021-03-04 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: IL

Complaint narrative:
On XX/XX/2019, Experian added a derogatory remark ( XXXX XXXX XXXX ) on my credit report. Upon, further research, this account was transferred/sold and Im no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA ( XXXX XXXX XXXX ) has violated my rights as a consumer and Im requesting legal action to remove this account immediately!

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 2021-03-04 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: CA

Complaint narrative:
Please see attached letter 's mailed to your CARDMEMBER SERVICES XXXX XXXX XXXX XXXX, DE XXXX and to your XXXX XXXX  Attn : Executive Office XXXX XXXX XXXX / XXXX XXXX, OH XXXX Not getting a response in writing as requested.

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 2021-03-04 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: CA

Complaint narrative:
Please see attached letter 's mailed to your CARDMEMBER SERVICES XXXX XXXX  XXXX XXXX, DE XXXX and to your XXXX XXXX  Attn : Executive Office XXXX XXXX XXXX / XXXX XXXX, OH XXXX Not getting a response in writing as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please see attached letter 's mailed to your XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX and to your XXXX XXXX Attn : Executive Office XXXX XXXX XXXX / XXXX XXXX, OH XXXX Not getting a response in writing as requested.

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 2021-03-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Received order email from Best Buy for a purchase i did not complete on XX/XX/2021 I called Best Buy on the same date XX/XX/2021 and they advise me that they could not cancel the order, I advise them the purchase was made with a store credit card that is under my name but I did not apply for that card. 

They advised me they would open a fraud case but did not advise me that they would be canceling the order or did not transfer to a department so i can cancel the credit card Order 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 2021-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
We have a mortgage with SunTrust ( now Truist ). 
Beginning in XX/XX/2020, we participated in the COVID relief program which provided us with a limited forbearance opportunity.

Through the program, we were allowed to postpone our mortgage payment for three months. 
At the end of XX/XX/2020, we contacted SunTrust and officially ended our deferral program. 
We resumed making our bi-monthly payments at the beginning of XX/XX/2020. 
Our on-line records show that we have been making those payments since XXXX however none of those payments have been going towards our mortgage. Our current statements show that we are thousands of dollars in delinquency. 
We have called and emailed our loan agent at SunTrust many times but have never received a reply from her. We have only been able to have discussions with front-line agents who can not give us any useful information. 
We have NO idea where that money is going and we have continued to be in 'delinquency ' for several months - prohibiting us to refinance and purchase another property. 
The fact that no one has helped us is absolutely unacceptable and we question the legality of all this.

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 2021-03-04 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: CT

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted dispute letters to XXXX, XXXX  and Experian In XX/XX/2021, XX/XX/2021 and in XX/XX/2021. I submitted along with my dispute letters a copy of my FTC identity theft report, a signed and norarized identity theft affidavidt, my state ID and a copy of my social security card.

I received letters from all 3 bureaus stating that I needed to submit copies of identity theft reports and identity theft affidavidt, .I have already submitted those documents along with my dispute letters to them, and I believe they are refusing to correct the inaccuracies on my report on purpose. 

They did not investigate the inaccurate accounts, instead sent me a letter asking for the paperwork I already sent to them. This has been going on for more than 90 days. They did not investigate the inaxxuracies and did not honor the ID theft and FTC report i submitted to them.

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 2021-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Client Services, Inc.
State: MI

Complaint narrative:
This collection agent continues to call even though whoever they are trying to contact does not live here. I have called the company and was told they would stop calling. They call every single day!!!!! I cant get them to stop. The agency is Client Services Inc and the number they want me to call is XXXX. That is where I called and told them to stop calling as the person they are trying to reach does not live here. They have called at least daily for a week since I told them to stop.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Omega RMS, LLC
State: NY

Complaint narrative:
I never enrolled or owned this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: FL

Complaint narrative:
Failed to verify debt. The account is not accurate on my credit report. information is different on XXXX  & XXXX. its hurting my credit score and its not accurate. information is breaking the Fair reporting Credit Act

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Synchrony bank ( the issuer for GAP credit cards ) automatically enrolled me in paperless billing but they did not enroll me in text / email alerts. This caused me to miss payments on my credit card bill because I was unaware that they were any due. The payments were for XX/XX/2021 and XX/XX/2021. This has resulted in {$80.00} fees, which I am certainly upset about in this economic environment. What I am also concerned about is the damage to my credit score. The damage can result in more expensive financing in the future. I don't have a satisfactory answer from the bank about the result.

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 monetary relief
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have sent in several disputes demanding Proof / Documents from Experian and yet they haven't sent me anything. Experian Keeps replying online saying that it Remains, without them sending me any Proof/ Documents showing that I owe this debt. I need this Removed Immediately. My rights as a consumer have been taken advantage of, I know that Experian is obligated to Send Me Proof /Documents as I have requested several times. I want this Debt Removed Immediately.

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 2021-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
Southwest Credit Systems. There is nothing showing on my credit score for anything owed or any defaults. I have recieved no written communication. They call at least three times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MO

Complaint narrative:
JEFFERSON CAPITAL SYSTEMS Account XXXX Account TypeDebt Buyer ResponsibilityIndividual Date OpenedXXXX StatusCollection account. {$270.00} past due as of XX/XX/XXXX. 
Status UpdatedMay XXXX CONTACTED COMPANY TO REQUEST PROOF OF SERVICE NO RESPONSE OR DOCUMENTS TO PROVE THE VALIDITY OF HER CLAIM

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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:
I am XXXX XXXX there is no third party involved. I am submitting this complaint on my behalf. I sent a letter about inaccurate and unknown things on my credit report, it's been more than 120 days after the fact and I have not gotten any reacts. Consumer reporting agency have not carried out their responsibility ordered under the law. I have an inclination that I am being exploited and being disregarded about my disputes. Inability to follow these government guidelines by credit reporting agencies are researched by the Federal Trade Commission ( see 15 USC 41, et seq. ). Likewise, Section 611 ( a ), it is doubtlessly expressed that an inability to explore these things inside 30 days gives motivation to quickly removed those items from my credit report it has been more than 120 days so they ought to deleted promptly. I request these accounts be deleted promptly or I will petition for prosecution because of the pressure that you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: GA

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This complaint is in response to a previous complaint I made against Equifax on XX/XX/2021 case # XXXX. In my initial complaint which I will attach for reference, I sent Equifax a dispute demanding alleged accounts be deleted from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ) which states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. Pursuant to 15 USC 1602 ( l ) the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice Congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction being disputed with Equifax. These disputed transactions should be removed from my consumer report immediately pursuant to 15 USC 1681a ( 2 ) ( B ) as they are in violation of my rights as a federally protected Consumer under Title 15 Chapter 41. I mailed Equifax this correspondence which they received XX/XX/2021 and here it is now 2 months later and I have not received the results of my dispute. My reputation has suffered tremendously from the reporting of these fraudulent accounts. Equifax is civilly liable pursuant to 15 USC 1681n so once again I am demanding that these alleged and disputed accounts be immediately deleted from my consumer report and I am demanding to be compensated for each disputed account in the amount of {$1000.00} per disputed account totaling {$15000.00} and I would like this compensation via check.

Company response to consumer: Closed with explanation