vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-03 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: CITIBANK, N.A.
State: FL

Complaint narrative:
CITICARDS CBNA XXXX Date Opened XX/XX/16 Balance {$0.00} I'm just concerned about the validity and consistency within your present research and the delayed payments pertaining to this particular account and also how it is reporting on my credit report. About 45 days ago I asked for an evaluation due to the fact I noticed the item seriously isn't being documented recently. To my big surprise I received a document announcing that your investigation was accomplished and that the item had been " determined as exact. Placed under Section 1681 ( g ) take the time to render me with a summary of the method employed to prove the account is " accurate '' and supply me the name and addresses of persons phoned in every regulatings in the FCRA.

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 2021-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2020 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 XXXX data breach and may have got into the hands of the wrong person.

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 2021-02-03 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: EQUIFAX, INC.
State: AR

Complaint narrative:
For the past month and some change, Ive been going to WAR with Equifax. I had a ton of inquiries that I truly didnt authorize. I sent a verification letter ; came back verified. Called Equifax to see what all I can do to get these removed they told me I had to call the creditors to request a Letter of Deletion. I called each creditor. Theyre telling me they have no record of my name in their system and stated they cant generate a Letter of Deletion to send to Equifax. Called Equifax back and stated that Ive done what theyve told me but the creditors arent budging. Sent a letter requesting the Method of Verification and requested specific DETAILS of their investigation ; results came back verified AGAIN!!! At this point, Im livid. I started becoming more aggressive, calling back-to-back, no support ... .no nothing! I had lack of support during this tedious process. I feel violated and compromised as well as devalued as a consumer! Below are the inquires I do not recognize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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've been trying to get fraud accounts investigated and removed from my credit report since XX/XX/XXXX. The bureaus have been non-responsive each time. I have proof from USPS certified mail tracking that the letters were delivered and signed for and yet the bureaus have ignored my requests. Per USPS, the letters were delivered on XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Not only are the accounts still showing on my report, they are not even under investigation. I have received no letters regarding the status of my requests either. This will be my last option before I escalate this matter through the legal channels. I have been patient through this process but the bureaus seem complacent enough to violate my rights under the FCRA and the federal law, and they can answer for these violations to the court themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
I made contact with IDEAL COLLECTION SERVI XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX with CERTIFIED MAIL # XXXX XXXX XXXX XXXX on or about XXXX with the company in regards to the so called debt. I forwarded them information that was requested from them which provided identification. 
I also mailed them my copy of identity theft report showing that my information was stolen. I also sent them affidavit of fact which was notaries. I also requested that they mailed me any proof. I never receive any correspondent form them. I ' m trying to achieve the American Dream purchasing a house however, this collection account which is not my is hindering me form achieving that Dream.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: CO

Complaint narrative:
Received phone call from XXXX at Elan Financial Services ( XXXX ) on XX/XX/2021 at XXXX XXXX XXXX. She left a message that was unclear but provided a phone number and that she represented XXXX. She was called at XXXX : XXXX XXXX XXXX on XX/XX/2021 to understand what was required, Her response was that in order to complete the chargeback claim, XXXX XXXX XXXX would require a third party independent verification letter on my expense about the condition of the vehicle despite the open XXXX XXXX XXXX XXXX XXXX # XXXX and report to the federal auto division provided in prior CFPB complaint XXXX. 

The vehicle has been repaired and there is no party who can review it now in favor of what XXXX is requesting. XXXX was sent paper copy of all bills with all notes and receipts regarding this transaction item as proof and defense. All they have to do is execute a charge back like all other credit card companies. XXXX was sincerely not interested in her duties in seemed on the phone and did not view any documents supporting the claim prior to the conversation. I will not tolerate XXXX more disgruntled bank worker at XXXX XXXX XXXX who is unwilling to do their job and represent their client card holder.

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 2021-02-03 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Account status : Closed Balance updated : XX/XX/XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Payment status : Credit card lost or stolen Account status : Closed Balance updated : XX/XX/XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Account status : Closed XXXX XXXX XXXX XXXX Account number : XXXX Account status : Closed Once again I am disputing this account. I have called the company and they told me I have to contact XXXX. I have written to XXXX I have called XXXX I have even disputed on this site as well for this. The addresses that this account are attached too are not mine. Please remove items! 

This information is incorrect and is still reporting and showing. I spoke with XXXX with the fraud department on XXXX.He mentioned there is no fraud alert and it is fully open. 

I have submitting a dispute via phone and I am waiting on my results. Please 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 2021-02-03 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Account status : Closed Balance updated : XX/XX/XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Payment status : Credit card lost or stolen Account status : Closed Balance updated : XX/XX/XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Account status : Closed XXXX XXXX XXXX XXXX Account number : XXXX Account status : Closed Once again I am disputing this account. I have called the company and they told me I have to contact XXXX. I have written to XXXX I have called XXXX I have even disputed on this site as well for this. The addresses that this account are attached too are not mine. Please remove items! 

This information is incorrect and is still reporting and showing. I spoke with XXXX with the fraud department on XXXX mentioned there is no fraud alert and it is fully open. 

I have submitting a dispute via phone and I am waiting on my results. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: DISCOVER BANK
State: FL

Complaint narrative:
DISCOVER FIN SVCS XXXX XXXX Date Opened XX/XX/13 Balance {$0.00} I'm just concerned about the validity and consistency within your present research and the delayed payments pertaining to this particular account and also how it is reporting on my credit report. About 45 days ago I asked for an evaluation due to the fact I noticed the item seriously isn't being documented recently. To my big surprise I received a document announcing that your investigation was accomplished and that the item had been " determined as exact. Placed under Section 1681 ( g ) take the time to render me with a summary of the method employed to prove the account is " accurate '' and supply me the name and addresses of persons phoned in every regulatings in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
Im not sure if I made the correct selections here, but I couldnt find the right options for our situation. Around XXXX of XXXX, my wife opened up a XXXX card to work on our credit, adding me as an authorized user. The purchase was XXXX {$20.00}. We never received our XXXX card in the mail. The card & account were forgotten, as we moved out of state a few months later. The account is showing on my credit report, me as an authorized user with late payments from around XX/XX/XXXX to XX/XX/XXXX. The account, which was opened in XXXX, had no charges in XXXX or XXXX. The account is now closed. 
We have called the collection agency and XXXX in order to remove me as an authorized user from the account. No one seems to understand what we are asking for and they keep sending us back and forth between the two places. XXXX says they can not do anything because the account is closed and the collection agency says they only handle the collections part. I understand this for the collection agency, but I feel as though XXXX could hear out this issue better and remove me as an authorized user. 
As of today, my wife and I are trying to buy a home as rent is very high in our city. Financially, we would much better off owning a home and saving a few XXXX dollars a month, than sinking money into rent on a home we can not own. We need the account taken off of my credit report to raise the score enough to qualify for a home loan. Our lender suggested that we reach out to CFPB for any help we could get. 

Thank you in advance for any help you can give us.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
I have a mortgage with Freedom Mortgage. In XXXX of 2020 Freedom Mortgage refinanced my existing mortgage with them to a new rate. Upon completion of the refinancing process, Freedom Mortgage did not file the Deed of Trust with XXXX County. I am currently trying to complete a refinance of my current mortgage with another mortgage company. In the process of completing the Underwriting for my new loan, it was determined that there is no record of my current mortgage. I have reached out to Freedom numerous times to try to resolve the issue by having them file the Deed of Trust. My most recent interactions with them have been met with Supervisor and Rep level contacts hanging up on me, in one case as soon as I explain the issue. This delay and unwillingness of Freedom Mortgage to resolve this issue will likely result in my loss of the rate lock and thus cost me several XXXX dollars over the course of my mortgage. Further, Freedom has been holding escrow from my loan and show that they have paid property tax on the property, however, without a Deed of Trust on file I don't believe they are actually paying the taxes, since the County wouldn't collect on a property that isn't registered in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: PA

Complaint narrative:
I'm a victim of identity theft and I've provided the needed documentation to XXXX on several occasions yet they keep claiming that they haven't received them. This is keeping me from moving on with my life. It took me long enough to go through the process of getting the Court order declaring me a victim of identity theft. Yet I still have incorrect information reporting to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP
State: WI

Complaint narrative:
On XX/XX/XXXX i received a XXXX letter stating a cancellation of debt for a US Bank Credit Card. While i did have a credit card with US bank it was over 11 years ago. To my knowledge i paid off the debt and closed the card in XXXX. 
Receiving the XXXX and calling US Bank cardmember services the only information they could tell me is that it was " written off '' in XXXX and closed in XXXX. Which doesn't match my dates on when i had the card. I asked if i owed debt why this never appeared on my credit report or had any collections calling me, in which they could not answer. I also then asked for the card number which they gave me but said they had no statements that they could send me or information on the card or transactions as it was closed. I asked to show proof of this if i have to report it as income on my taxes in which they told me to hopefully i had some old statements. 
I feel this may go against the fair debt collections act and looking somewhere to get advice. Thank you.

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 2021-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
My complaint number XXXX was closed without explanation. The company stated that an attachment was available but there is no way to open any attachments. The issue is still unresolved and CashApp refuses to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: FL

Complaint narrative:
I have never given any Consent to This open any Account with XXXX  I never open an account with XXXX Nor XXXX resource this account is fraud and i want it off my Credit Thank you

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 2021-02-03 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: MoneyLion Inc.
State: CA

Complaint narrative:
Money lion is reporting a late on XX/XX/20, XX/XX/20. Due to the unforeseen events surrounding the pandemic that is Covid 19 I have been severely financially impacted. I live in California and it has been a mess. I've really been struggling to stay afloat while my employer continues to suffer because of this pandemic and therefore affecting my work hours. I have done my best to stay current and not fall behind. However, this was inevitable the entire state of California shut down. I ask that you please remove the lates from my credit file. Under the federal mandate and CARE act creditors aren't allowed to file negative notations on credit and I can see why. The hardship of going through a pandemic alone is immense, and creditors should not be adding onto the stress. I ask you remove these lates from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: MA

Complaint narrative:
On XX/XX/XXXX I tried to register for a free trial course with XXXX To register, XXXX requires a credit card. XXXX DOES NOT SEND A CONFIRMATION EMAIL TO CONFIRM THE ACCOUNT. When I tried to register for the course moments later, I could not log in. When I contacted XXXX, they said I did not have an account. I could not take the course. I could not cancel the trial with in the 30 days. In order to reverse charges, they said I would have to EMAIL ALL OF MY INFORMATION. EMAIL IS NOT A SECURE FORMAT. THEY KNOW THAT. For 5 months XXXX charged me a fee for an account they said I did not have.

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 2021-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: MoneyLion Inc.
State: NY

Complaint narrative:
I received a debit card from Money Lion, XXXX XXXX today XX/XX/2021 I called to cancel the account and ask them who opened it, they would not give me any details. They said they would have their fraud department call me I asked them to use the mail not by phone. I refused to give any additional personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: VA

Complaint narrative:
XX/XX/XXXX I attempted to get a loan and was not able to because I was not showing a FICO score, even though I have a credit card with XXXX XXXXXXXX and student loans with XXXX XXXX. I called all three credit bureaus, XXXX XXXX and XXXX to get the issue fixed. My creditors confirmed that they reported to all three credit bureaus monthly. However, that was some issue from the time that information left the creditors and was received by the credit bureaus as I saw that all three bureaus did not reflect that I have a credit card, student loans or both. Just three weeks ago, I was finally able to get this issue fixed by contacting XXXX XXXX and informing them of this issue once more. I now see that my credit card and student loans are reporting to all three credit bureaus. The mortgage loan officer was able to pull my credit again on XX/XX/XXXX and was finally able to receive a score from XXXXXXXX and XXXX. However, he is still unable to pull a score from Equifax. The corporate processor, loan officer and myself have all called Equifax to get this issue resolved. I just spent the past hour on the phone with a representative who was unable to assist and gave me a number ( XXXX ) to call and see if they could assist. The representative offered to give me my credit report. I told him that I could see my credit report on the Equifax website and do not need that information. I explained that I needed to figure out why Equifax was not reporting my recent information to XXXX XXXX. The representative said that he would not be able to assist me. I asked for a different department that handles credit reporting specifically. He sat silently on the phone for 10 minutes and then hung up. Attached is a copy of the report from XXXX XXXX that was pulled on XX/XX/XXXX. You will be able to see that my information is reflected with XXXX and XXXX but not with Equifax. Equifax has been the least helpful of the 3 for the past year and it has become beyond frustrating.

Company response to consumer: Closed with explanation