vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
XX/XX/2021 I tried to access equifax.com because of possible fraud alert from my employer. The website rejected my attempt to create a new account because supposedly I have an account already established. Using my current email address I requested a new password, and I entered the access code they sent to my current mobile phone. Despite several careful tries the site repeatedly denied access because my info didn't match their records. 

Then I called their customer service, went through all the menus to get to the get-help-other, including giving my name, DOB, SSN, and phone #. This just got me to another automated message which said my info didn't match, and it hung up on me. Second try again didn't allow any way to request to speak with a live person. 

Next I returned to the website to try to email customer service, but this kept booting me back to the FAQ page.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
XXXX CAPITAL ONE CREDIT CARD ADDED ME TO A BLACKLIST DUE TO XXXX DISCRIMINATION RESULTING IN AUTO DENIAL OF CREDIT IN RETALIATION TO A COMPLAINT FILED ON XXXX SEE COMPLAINT XXXX THIS PREDATORY BEHAVIOR HAS LANDED THE COMPANY IN TROUBLE RECENTLY IN THE XXXX District Judge of the XXXX XXXX District Court for the SXXXX  District of TEXAS XXXX XXXX, I HAVE A 100 % PAY HISTORY, WITH NO COLLECTIONS THIS TYPE OF DISCRIMINATION IS AGAINST THE LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. XXXX ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 

On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am formally submitting a complaint to state that SunTrust Bank 's failure to capture my last payment of {$1500.00} in bank error is causing me financial constraint. The payment which was sent was to payoff and clear the remaining balance on my auto loan ( with a total loan value {$51000.00} ) was properly submitted by me on XX/XX/XXXX It is on record that I successfully paid SunTrust {$25000.00} on XX/XX/XXXX, to which the payment cleared, and made another payment of {$25000.00} on XX/XX/XXXX, to which the payment cleared, as it was my intention to aggressively paying off the loan. The teller who took the last payment of {$1500.00} on the XX/XX/XXXX made a mistake which resulted in in a bank processing error. The last payment was made and processed in the amount of {$1500.00}. As a result SunTrust released the title of the vehicle, and released themselves as a Lienholder meaning the car was paid in full. ( I currently have title on hand ) On XX/XX/XXXX, during the process of my home purchase, through the process of credit check, I was notified that SunTrust had incorrectly reported a 60 day late/derogatory mark on my credit reports with an outstanding balance of {$1500.00}. On XX/XX/XXXX, I called for an explanation from the bank, to my surprise, a past due balance existed which should have been applied to the account. I even agreed to pay the balance to help rectify the error to which they said they would correct. It is clear, that by the title being released and lien being released. The information was correctly processed by me. 

I spoke to XXXX. XXXX XXXX, XXXX XXXX and including XXXX XXXX XXXX of XXXX XXXX XXXX XXXX Branch. I was transferred to different agents and that did not assist me in getting this unfair error on my account resolved which resulted in not only in an unfair, unjust and incorrect reporting of a 60-day late payment to my credit files with XXXX, XXXX and XXXX. Im requesting you to handle this as per my rights under state and federal laws that protect me as a consumer. I want to make it clear that Im not making this request an error. My information was incorrectly reported which is why Im writing you for a resolution. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 

Kindly, under the Fair Credit Reporting act, verify and correct the reporting of the SunTrust account listed on my credit report. Please resolve this error by removing the 60-day late payments from my credit report as well as update the account into the correct status of positive payment history and notify me of the correction

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 2021-06-30 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: CarMax, Inc.
State: TN

Complaint narrative:
My personal identifying information was stolen and used for bogus fraudulent activities without my knowledge or consent. In XX/XX/2021 I looked at my free credit report to see what was going on and I was blown away in shock because all 3 bureaus had not only inaccurate and misleading accounts but also many many inquiries that I neither made, nor authorized for any purpose. 

I am extremely distressed and worried about this situation and how it is currently affecting my credit and how it will affect my life in the future. I am a single Dad to XXXX XXXX XXXX and I was hoping to buy a house sometime in the next year for our little family. I feel like all of my harcd work and my dreams are crushed suddenly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
For the failure provide : request for information, verification of information : inability to verify information. Thus of fraud. information should of been certified-verfied when reported.

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 2021-06-30 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: TX

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and XXXX  of XXXX along with XXXX plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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 I 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 I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: CA

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of XXXX and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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 have sent multiple letters of dispute over the course of 4 months dated XX/XX/21, XX/XX/21 and XX/XX/21. I have yet to receive an investigation, response, or any type of communication back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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 have sent multiple letters of dispute over the course of 5 months dated XX/XX/21 and XX/XX/21. I have yet to receive an investigation, response, or any type of communication back.

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 2021-06-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: MI

Complaint narrative:
I reached out to FedLoan Servicing on XX/XX/2021 using the contact box on their website ( after logging in to my account ) to find out : -When will I need to recertify my income after student loan payments resume to stay on my income drive repayment plan? 
-What will my monthly payment be when payments resume? 

I received an automatic replay on XX/XX/2021 and so far no one has responded to my email.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a 30 day late payment reported for XX/XX/2020. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: MN

Complaint narrative:
There are several paid collections from XXXX and Nelnet. The student loan accounts for both were rehabilitated and transferred but several negative dings still exist when I was told from them they wouldnt if I rehabilitated them. Also, I settled a debt to the XXXX XXXX but it is still showing on there too.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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 have sent multiple letters of dispute over the course of 4 months dated XX/XX/21, XX/XX/21 and XX/XX/21. I have yet to receive an investigation, response, or any type of communication back.

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 2021-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The accounts listed are not mine and I have no knowledge of. This is Identity theft and Id like these removed from my credit ASAP! 

XXXXXXXX XXXX Date Opened : XX/XX/XXXX Acct # : XXXXXXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Acct # : 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 2021-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: OH

Complaint narrative:
Recently I reviewed my credit reports and notice there was some inaccurate, outdated, and fraudulent information that will need to be removed. I am a victim of identity theft and several of the items on my credit report is not mine. I have noticed a social security number that is not mine. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. The Fair Debt Collection Act/ ( O.R.C. 2305.07 ) and ( O.R.C. 1303.16 ( B ) Ohio Debt Collection Statutes of Limitation. I am requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that do not belong to me. If the account can not be verified, your company must delete the account from my credit report.ACIMA CREDIT XXXX XXXX  # XXXX, XXXX XXXX XXXX ( XXXX ) # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX I # XXXX, XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: FL

Complaint narrative:
Experian sends me a report of corrected disputes. however they never correct wrong information LIKE MY NAME AND Yes my middle name XXXX but my son on my credit report demonstrates how inept these people are OR they just don't care! Now read If you believe that information belonging to another person, including a family member, may have been combined with your information, it is necessary for you to contact us by phone for assistance at XXXX XXXX XXXX XXXX. This type of situation requires special handling. If you chose this reason in error and do not believe that another person 's or family member 's information may have been combined with your information, select a different reason to continue your dispute. REALLY Select a reason I have to call?? Try to get through and what are disputes for.

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 2021-06-30 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 have sent multiple letters of dispute over the course of 5 months dated XX/XX/21 and XX/XX/21. I have yet to receive an investigation, response, or any type of communication back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
I closed XX/XX/2021 on a condo in XXXX XXXX and making automatic payments on time. 
United Wholesale Mortgage who now services my new mortgage purchased by XXXX XXXX apparently sent me a letter dated XX/XX/XXXX received XX/XX/XXXX, that was fraudulent from the start, where it says Delinquent N/E Loan Notice at top, to the middle where is falsely states the entire XXXX tax bill of {$8100.00} is delinquent, when its paid in full, to finish, where it says this communication is from a debt collector to collect a debt ; as they are not a debt collector do they work for the XXXX county property tax collections even if there was a legitimate debt. 
e unpaid taxes for this year, with regulations in home buying, as you are well aware. 
A quick check of my parcel no which they sent on the letter, on the XXXX County Tax assessor site, shows the taxes are of course paid in full until my next bill arrives in XXXX. Their company clearly aware of this. 
They state " as of XX/XX/2021 our records indicate that real estate taxes remain unpaid on your property is false and easily disproven with quick check of parcel number on XXXX County Treasurer site open to the public. They then request a proof of payment by me that cant be sent, as they know because I did not pay them, the seller did earlier this year. They are obviously trying to have my funnel money into their company by forcing me to pay into an escrow account if I don't prove this payment. This is outright extortion based on fraudulent information. 
I called their number to verify this was not an outright fraud by someone posing as affiliated with the company and their associate confirmed they sent this letter, and audaciously stated falsely XXXX County had sent a letter to them stating unpaid taxes. This was not only rebuffed by the XXXX  office but nonsensical as they do not send notices to lenders. 
I will pay my property taxes, bi-annually myself on time as is my right. This company 's strong arm tactics to bring in income are a disgrace and everyone who approves these tactics should be punished if you can investigate. I work finance and trust in our system is vital. Thank you very much XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
The loan payment was at XXXX a month. I am a single mom if XXXX and without a second job and still was denied for hardship or a good reduction of per month payment and interest rate. It was only reduced by half. XXXX a month. I only make XXXX before tax a year. I dont have a car note but I do have rent, light, water, car insurance, loans, credit cards, school expenses, health insurance, rental insurance, food, and household expenses. I dont get government assistant.

Company response to consumer: Closed with explanation