vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-19 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: GA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Chime Financial Inc
State: MD

Complaint narrative:
I have been a member of Chime Bank for at least three years. I haven't had a problem until now. On XX/XX/XXXX I lost my card at the XXXX that is near my home on XXXX XXXX. in XXXX, MD. Apparently someone picked up my card and used my debit card at two different locations. He used it at XXXXXXXX XXXX XXXXXXXX XXXX XXXX in XXXX, MD for {$210.00} and {$3.00}. He also used my card at the XX/XX/XXXX at XXXX XXXX XXXX., XXXX, MD XXXX for XXXX. I called my bank immediately when the funds were taken. The representative on the phone told me to wait until all transactions cleared, then I can do a dispute for each of the transactions. I waited until they cleared, this was XX/XX/XXXX that everything had finally settled. I then called my bank back to file a dispute. They proceeded to give me instructions on what I needed to do. I filled out the form which they emailed me and returned signed with my name. They told me Ms. XXXX it will take up to 10 business days to make a decision. We will give a temporary credit and if we do not find that the transactions were fraudulent then we will take back the credit that we gave you. Within 20 minutes a decision was made to deny me the funds back, and they never gave me any temporary credit. When I called back to speak with a supervisor in the dispute department he told me I had to resubmit a rebuttal. He did not make clear as to why they said no, and said they did their research and they reached out to the creditors and it was still a no for me. I went to the XXXXXXXX XXXX place that was on my debit card, and the young man, XXXX XXXX, Customer Service Leader, show me the video of this man, I do not know, swipe my card for cigarettes. I asked him to write me a letter so that I could file a rebuttal. He did just that and I sent my rebuttal in with the letter that he provided me. Again, they denied my claim standing behind their initial decision. I was very upset, and was dissatisfied with the customer service they had given me. I was NOT given any credible information of how they came about this decision. They emailed the same signed form I was suppose to give them, and highlighted one word on my sheet, that word was, MEMORY. I am not sure how that helped them make their decisions. Also, today, XX/XX/XXXX, I spoke with XXXX, the store manager, at XXXX XXXX she told me I can not get a copy of the camera feed showing this man using my card to make a cigarette purchase. I will have to file a civil lawsuit and subpoena them for the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
OmeMain has blocked the credit bureaus from from removing this account from my credit report. This has count me many accounts. I've filed a police report and FTC report and the company OneMain has cancelled that debit. This account should be removed from credit report. I demand OneMain contact the Credit Bureaus to remove the block and delete this account from my Credit Immediately or I will take them to court to do so. 

ONEMAIN with Account number XXXX. 

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: DC

Complaint narrative:
XXXX  is lying to the cfpb and preventing a XXXX veteran from putting a roof over his head. XXXX  discriminates against XXXX people, XXXX people and veterans and lies through their teeth, and violating federal law under FCRA. XXXX  did NOT investigate my complaints and remove XXXX XXXX XXXX ( AND XXXX AND XXXX ) from my credit report. XXXX  lies and people like me suffer and are affected. XXXX is an illegal fraudulent debt, and it WILL be removed from my credit report or I will sue XXXX  and its board members for malfeasance. XXXX  also illegally refused me getting my online credit report for SIX months illegally while making excuses that it was under investigation- I COULD NOT access even my free annual credit report at any time. XXXX  is a bunch of lairs and illegal fraudulent cheats that destroy peoples lives, they will be sued very soon by me. XXXX XXXX XXXX WILL be removed from my credit report immediately, it is FRAUD and illegal and HAS BEEN REMOVED FROM my equifax and XXXX  reports. I have reported XXXX  to the CFPB, the DC attorney general, the CA attorney general, and the XXXX. XXXX  KNOWS XXXX well that this is a fraudulent debt, and they refuse to investigate and remove this item from my credit report UNDER 609 OF fcra which is illegal. XXXX  is illegally and fraudulently stating this is a legitimate debt, WHICH IT IS NOT. XXXX  ALSO IS FRAUDULANTLY REFUSING TO PROVIDE ME WITH THEOR FRAUDULANT ILLEGAL REASONS FOR XXXX XXXX XXXX REMAINING ON MY CREDIT REPORT.TRANUNION DID NOT INVESTIGATE AND REMOVE XXXX XXXX XXXX FROM MY CREDIT REPORT, WHILE EQUIFAX AND XXXX  DID. DO NOT SEND THIS COMPLAINT TO COOLINS ASET MANAGEMENT, XXXX WILL REMOVE OIT FROM Y CREDIT REPORT IMMEDIATELY!! XXXX  AND ITS PRESIDENT AND BAORD ARE LIARS AND CHEATS AND DISCRIMNATES AGAINST XXXX PEOPLE, XXXX VETERANS, AND XXXX PEOPLE, ILLEGALLY. These have been in reinvestigation for three months, I need this to be closed out and taken off an to let me know the results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: DC

Complaint narrative:
XXXX  is lying to the cfpb and preventing a XXXX veteran from putting a roof over his head. XXXX  discriminates against XXXX people, XXXX people and veterans and lies through their teeth, and violating federal law under FCRA. XXXX  did NOT investigate my complaints and remove XXXX XXXX XXXX ( AND XXXX AND XXXX ) from my credit report. XXXX  lies and people like me suffer and are affected. XXXX is an illegal fraudulent debt, and it WILL be removed from my credit report or I will sue XXXX  and its board members for malfeasance. XXXX  also illegally refused me getting my online credit report for SIX months illegally while making excuses that it was under investigation- I COULD NOT access even my free annual credit report at any time. XXXX  is a bunch of lairs and illegal fraudulent cheats that destroy peoples lives, they will be sued very soon by me. XXXX XXXX XXXX WILL be removed from my credit report immediately, it is FRAUD and illegal and HAS BEEN REMOVED FROM my XXXX  and experian reports. I have reported XXXX  to the CFPB, the DC attorney general, the CA attorney general, and the XXXX. XXXX  KNOWS XXXX well that this is a fraudulent debt, and they refuse to investigate and remove this item from my credit report UNDER 609 OF fcra which is illegal. XXXX  is illegally and fraudulently stating this is a legitimate debt, WHICH IT IS NOT. XXXX  ALSO IS FRAUDULANTLY REFUSING TO PROVIDE ME WITH THEOR FRAUDULANT ILLEGAL REASONS FOR XXXX XXXX XXXX REMAINING ON MY CREDIT REPORT.XXXX  DID NOT INVESTIGATE AND REMOVE XXXX XXXX XXXX FROM MY CREDIT REPORT, WHILE XXXX  AND EXPERIAN DID. DO NOT SEND THIS COMPLAINT TO XXXX XXXX XXXX, XXXX WILL REMOVE OIT FROM Y CREDIT REPORT IMMEDIATELY!! XXXX  AND ITS PRESIDENT AND BAORD ARE LIARS AND CHEATS AND DISCRIMNATES AGAINST XXXX PEOPLE, XXXX VETERANS, AND XXXX PEOPLE, ILLEGALLY.

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 2021-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
On ( XX/XX/2021 ), I mailed a letter to the credit bureaus to remove inquiries I didn't authorize. My credit profile is affected by these penalties.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.

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 2021-07-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Social Finance, Inc.
State: VA

Complaint narrative:
We are been trying to roll over my IRA from Sofi for last 6 months. They made submit the rollover form twice and also has asked for additional Letter of Acceptance. Now, Sofi is asking to repeat the same process, which was already completed twice before. It just seems Sofi is intentional delaying or deferring to roll over my IRA funds out to another organization we requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
ON XX/XX/2021, I RECEIVED A NOTIFICATION FROM XXXX THAT SYNCHRONY BANK HAD CLOSED MY XXXX ACCOUNT. WHEN I CALLED SYNCHRONY BANK, THEY TOLD ME THAT " IT WAS A MUTUAL DECISION BETWEEN THE CREDIT BUREAUS AND SYNCHRONY BANK ''. WHEN I TOLD THE REP THAT I KNEW SHE WAS LYING BECAUSE " CREDIT BUREAUS ARE CREDIT REPORTING AGENCIES, NOT CREDIT GRANTING AGENCIES '', SHE TRANSFERRED ME TO ANOTHER PERSON WHO THEN TOLD ME IT WAS BECAUSE " THEY MAY BE CLOSED WHEN THE CREDIT BUREAUS AND SYNCHRONY BANK FIND THAT IT IS NEGATIVELY IMPACTING MY CREDIT SCORE '' ( IT IS NOT, AND IN FACT MY CREDIT SCORE IS A XXXX ACCORDING TO XXXX  ON XX/XX/2021 ). THEN, SHE TRANSFERRED ME TO A VERY HELPFUL THIRD PERSON WHO TOLD ME THE TRUTH. THEY ARE RETALIATING AGAINST ME FOR A 14 Y/O ACCT THAT 1 ) THEY HAVE NO LEGAL RECOURSE FOR COLLECTING ON 2 ) IS WELL OVER 10 YEARS OLD. THEY CLOSED EVERY SINGLE ONE OF MY ACCOUNTS WITH THEM ( MIND YOU, EVERY SINGLE ONE OF MY ACCOUNTS HAS A PICTURE-PERFECT PAYMENT/SPENDING HISTORY ). THEY ARE UNFAIRLY TARGETING ME FOR ACCOUNTS THAT ARE OLD AND I HAVE PROVEN TO THEM BEYOND ANYONE 'S REASONABLE DOUBT THAT I CAN PAY AND HAVE PAID MY ACCOUNTS ON TIME.

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 2021-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX can not provide me with a signed and dated credit application that proves that I requested a loan from them. They are putting the blame on another company, who also can not provide proof that I applied for credit with them. 
Please see my attached later. 
I am seeking damages for my consumer rights 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 2021-07-19 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: NC

Complaint narrative:
Ive been dealing with so much recently after I found out I was a victim of identity theft. I filed multiple disputes since XX/XX/2021 including 2 FTC identity theft reports and sent it to Experian to remove a fraudulent account on my credit report from XXXX XXXX XXXX. After they received my first letter, I was told that, my report was rejected because there was an error on the report and they couldnt see my name correctly. And I was told to send a new updated report. And so I did, After I sent in a new updated FTC identity theft report, they received it on XX/XX/2021. However when I called in, the representative on the phone told me that they had called FTC directly to validate the information and the FTC told them that my FTC report wasnt validated and so they could not remove or block the information. So I called the FTC directly and I was told by the representative there that the information given to me by Experian was a erroneous and that they dont validate anything with Experian so file a complaint against them with cfpb. And this my complaint. This erroneous information on my credit report is really hurting me and stopping me from getting credit and I really need Experian to step up and do their job correctly and remove the erroneous information 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 non-monetary relief
Consumer complaint received 2021-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
ON MY TRANSUNION CREDIT REPORT THERE ARE 26 HARD INQUIRIES THAT I NEVER AUTHORIZED ON MY REPORT. THE DATES OF THESE INQUIRIES STARTED ON XX/XX/2020 - XX/XX/2020. ON MY XXXX CREDIT REPORT I SEE THE SAME TYPE OF INQUIRIES AS I DO THE PREVIOUS REPORT WITH TRANSUNION. I DIDN'T AUTHORIZE ANY OF THESE COMPANIES TO PULL MY CREDIT. ON MY XXXX CREDIT REPORT THESE SAME COMPANY 'S PLACED INQUIRIES ON MY REPORT THAT I DIDN'T AUTHORIZE. I REACHED OUT TO THESE COMPANIES & THEY WASN'T ABLE TO HELP ME. I REACHED OUT TO ALL 3 CREDIT REPORTING COMPANIES & THEIR ADVICE TO ME WAS TO FILE A COMPLAINT WITH THE FTC WHICH TRANSFERRED ME TO THIS SITE. I DID NOT AUTHORIZE ANY OF THESE INQUIRIES TO BE PLACED ON MY CREDIT & THIS IS A TRUE HEADACHE. I AM A XXXX VETERAN WHO FOUGHT FOR THIS COUNTRY & IT IS VERY UNFAIR THAT I HAVE TO GO THROUGH THIS PROCESS. I'M BEGGING YOU GUYS TO PLEASE HELP ME & RECTIFY THIS WRONG THATS BEEN PLACED ON MY NAME. I ONLY RECEIVE A XXXX CHECK ONCE A MONTH IN THE AMOUNT OF {$710.00}. I'M NOT A RICH PERSON SO I HAVE VERY FEW OPTIONS IN MY FAVOR.

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 2021-07-19 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: Financial Data Systems
State: TX

Complaint narrative:
XXXXXXXX XXXX  XXXX ( XXXX XXXX XXXX ) always disguise their name to try and confuse people. This time it is Financial Data Systems XXXX They have placed the same medical bill ( XXXX ) as a collection on all 3 of my consumer reports. This bill is part of an open auto accident case that is not closed at this time. This is the 3rd time I have had to go through this with these fraudulent companies. I have no alternative but to file suit and publicize this information. These companies need to be stopped. 

Financial Data Systems XXXX has violated my right to privacy and placed the fraudulent account on my consumer report. I'm the consumer and I did not validate any of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX ) always disguise their name to try and confuse people. This time it is XXXX XXXX XXXX XXXX They have placed the same medical bill ( XXXX ) as a collection on all 3 of my consumer reports. This bill is part of an open auto accident case that is not closed at this time. This is the 3rd time I have had to go through this with these fraudulent companies. I have no alternative but to file suit and publicize this information. These companies need to be stopped. 

XXXX XXXX XXXX XXXX has violated my right to privacy and placed the fraudulent account on my consumer report. I'm the consumer and I did not validate any of 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 explanation
Consumer complaint received 2021-07-19 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:
Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: TDS Financial LLC
State: AZ

Complaint narrative:
I have got multiple threats and calls from a place called RR Solutions based on in California from a number XXXX. They have called my place of business and told my job they are trying to serve me papers because of debt that I owe from a college back in 2016 for the amount of XXXX. I have called that school and they don't know what I am talking about. I have also called my student loan company and they have told me they haven't sold my student loans to a third party and when I tried to explain that to this company and asked for a letter of proof they were verbally abusive and told me they are going to take my car and I'm going to owe them thousands of dollars for XXXX years. The person said her name was XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2021-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
Early winter XXXX I bought a frig thru Sears with 5 % reduction and 30 day return. I exchanged frig for a larger one with same t/c. My Sears account became a CITI account somewhere along the process. Early Spring I bought a XXXX gas range on same account as frig. Both on one year warranty. XX/XX/XXXX the range exploded and burned my house 100 %. No pmts after this. My view was Sears owed me new products or return of funds. CITI labeled me bad and my credit went from XXXX to near XXXX. CITI said it was a SEARS issue. Sears went into bankruptcy and did not handle warranty.

When Sears finally settled its court time, CITI had long ago called me a flake and turned me to collection. 

I hired XXXX  to fix my rating which they failed to do. Now, my getting credit is not possible with a bad record and my age, XXXX. 

I NEED DIRECTION XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: MI

Complaint narrative:
my credit report is incorrected, and its is affecting my daily life tremendously please remove these items, Ftc report was sent in aswell

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