vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-24 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: LA

Complaint narrative:
I've sent a letter last XXXX it almost 30 days now and no response yet. The following accounts were used without my permission this issued hinders my life and causes me stress. I got a low credit score!. I am a victim of Identity Theft. I need help to resolve this Issued. I demand to delete immediately the following accounts!.

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 2021-08-24 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 have sent FOUR LETTERS previous letters to you, all by certified mail requesting that you remove inaccurate information from my file and you have failed to do so.Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: MO

Complaint narrative:
I've reached out to all three credit bureaus ( transunion, XXXX, and XXXX. ) Regarding errors on my credit report as well as inquires on my credit report. I've sent letters out on XXXX XXXX 2021 as well as months prior. I've yet to receive any correspondence from either bureau Regarding this matter. I need all items removed from my credit report and made whole again.

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 2021-08-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
The Ally company has been contacting my neighbors about getting in touch with me regarding my vehicle loan. This has been occurring since XX/XX/XXXX even when I have specified and indicated that I will pay even if I am behind 3 payments. I have {$3900.00} outstanding balance, I have paid over 90 % of the loan which is equivalent of {$34000.00}. They have been calling me since I lost my job in XX/XX/XXXX, and I have reported to them that I do not have employment at this moment. I have been paying them with part of my unemployment. They were unreasonable and did not negotiate to withhold payment for a few months until I receive steady payment. There was no negotiation from their part, and they have been calling on average seven times a day. The times are unacceptable times at XXXX XXXX, XXXX aXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and I have been paying {$100.00} to {$300.00} dollars a month. My last payment was on XX/XX/XXXX for {$300.00}. This was all my unemployment money to keep them from repossessing my car.

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 2021-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: VA

Complaint narrative:
I made a purchase on the XXXX app last year between XXXX XXXX XX/XX/2020 on my Chime Credit Builder Card for {$18.00} but the item ( XXXX XXXX XXXX ) was returned due to the an size issue. I called Chime 's customer service line in XXXX about another issue and the rude customer service agent cancelled my card without my consent. Since the card was closed Chime was supposed to send me a paper check of the returned {$18.00} but it will be a year in XXXX of this year and I have yet to receive my money. I have contacted Chime multiple times since XX/XX/2020 to get my money that is mine. I keep getting the same response that I will receive the check in 8-10 business days via mail. I spend hours on the phone going over the same issue for no results. I know {$18.00} is not a lot but it is my money and Chime has no right to keep it when XXXX has returned my money almost 10 months ago. This is fraud and I do not use Chime anymore due to the lack of trust with my hard earned money. I have sent Chime all the documents requested about the return and Chime has not held up what they are supposed to do by returning my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: MO

Complaint narrative:
As of XX/XX/2021 XXXX XXXX XXXX was showing last report date of XX/XX/2021. 

On XX/XX/2021 there was a update on Tean Union and XXXX  showing an update Date of XX/XX/2021 and an incorrect balance. 

If contacted both Credit reporting bureaus and disputed this information but it still hasnt been updated. Asa result I was denied credit.

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 2021-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
I XXXX XXXX a consumer, and Natural person Sent a Affidavit of fact, to Phoenix Recovery Group on XX/XX/2021 the group recieved the Affidivavit on XXXX XXXX they were given a 10 day response and as of today XXXX XXXX still no response .. They have not ceased in their collection of a debt not owed to them. they are reporting invalidated information to all 3 Credit Agencies ( XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: NY

Complaint narrative:
I already disputed this account ( XXXX XXXX XXXX XXXX XXXX ) and filed a complaint thru FTC last XX/XX/2021 with Ref # XXXX and it was deleted from my credit reports as a fraudulent account. However, when I got my monthly updated credit reports today XX/XX/2021, a newly added account appeared in my reports under the same name ( XXXX XXXX XXXX XXXX ) & account number XXXX & is reporting negative. I've attached a copy of my credit report summary showing that it has been deleted and was added back again. I want this to be removed as it is very illegal to add on removed fraudulent accounts. I have contacted them before to demand validation of the said account and have it closed but I have never received any validation. This is a scam and I want this to be thoroughly investigated promptly. This inaccurate account is being reported negative in my credit records again and is hurting my financial stability. I have disputed this and was deleted but they've added it again.

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 2021-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/2021, CitiCard told me that my credit limit would decrease XXXX  XXXX dollars effective that same day. This is against the law that they need to give 45 days notice of a major change. I now have late fees for my utilities and it affected my credit score to have a large decrease. I had paid my bill ontime each month with the exception of a bill due XX/XX/2021. I had been out of town and could not log into my account and did not have the credit card. This is hardly a reason to all of a sudden drop the credit limit without warning. I am unable to log in online at all currently even though I just paid the past due balance plus some. It was not even a week late. I had to request a new card so I am unable to log in at all to get the messages from their secure message center.

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 2021-08-24 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: NV

Complaint narrative:
I previously disputed ( XX/XX/2021 ) the accuracy and proof to support the findings of the following items listed on my Experian credit report XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX. I was not provided with any explanation or supporting documentation as I requested. I asked that the listed accounts be removed since I was not provided any explanation or supporting documentation on why/how it was validated. Only that the information listed was verified and remained listed on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here are the lists of inquiries that are still reporting on my Credit Reports : XXXX  XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: MO

Complaint narrative:
I've reached out to all three credit bureaus ( XXXX, XXXX, and equifax. ) Regarding errors on my credit report as well as inquires on my credit report. I've sent letters out on XXXX XXXX 2021 as well as months prior. I've yet to receive any correspondence from either bureau Regarding this matter. I need all items removed from my credit report and made whole again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: MO

Complaint narrative:
I've reached out to all three credit bureaus ( XXXX, experian, and XXXX. ) Regarding errors on my credit report as well as inquires on my credit report. I've sent letters out on XXXX XXXX 2021 as well as months prior. I've yet to receive any correspondence from either bureau Regarding this matter. I need all items removed from my credit report and made whole again.

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 2021-08-24 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: LA

Complaint narrative:
I've sent a letter last XXXX it almost 30 days now and no response yet. The following accounts were used without my permission this issued hinders my life and causes me stress. I got a low credit score!. I am a victim of Identity Theft. I need help to resolve this Issued. I demand to delete immediately the following accounts!.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: TX

Complaint narrative:
Hello. I am finding that one of the most difficult things I deal with is getting the reporting agencies to report information accurately. I spend much of my days dealing with this and you dropping my scores between billing cycles. I do not carry balances I do not care how much credit I use. I need you to correct the following entries on my credit report immediately and I need you to stop playing with my credit score when balances never carry over. 
XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX {$0.00} XXXX  XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$98.00} which will be paid off by the end of Business Today The only card carrying a high balance is XXXX XXXX XXXX XXXX and that is only because I have yet to be allowed to make a payment and when I do 50 % of that balance is gone with one payment. I am not sure how you are recording your information but if you check my history with each of these card holders I do not carry balances. Please correct and reflect properly on my credit

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 2021-08-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello. I am finding that one of the most difficult things I deal with is getting the reporting agencies to report information accurately. I spend much of my days dealing with this and you dropping my scores between billing cycles. I do not carry balances I do not care how much credit I use. I need you to correct the following entries on my credit report immediately and I need you to stop playing with my credit score when balances never carry over. 
XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX {$0.00} XXXX  XXXX XXXX XXXX {$98.00} which will be paid off by the end of Business Today The only card carrying a high balance is XXXX XXXX XXXX XXXX and that is only because I have yet to be allowed to make a payment and when I do 50 % of that balance is gone with one payment. I am not sure how you are recording your information but if you check my history with each of these card holders I do not carry balances. Please correct and reflect properly on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I have filed a complaint regarding the issue in early XXXX, which hasn't been resolved given the response from the company on XX/XX/XXXX. 

I have spent more than required for the welcome bonus in XXXX, but have not received the rewards points as advertised so far ( late XXXX ). In the response from the company, they mentioned that th

ere was an issue with a transaction, and they would review and remediate my account after fixing the issue. They did not explicitly describe what the issue was, and whatever it is, it should not be an excuse to delay the deposit of the reward points. As far as I know, the referred transaction doesn't violate any of the rules for earning the rewards points, and they have deposited points associated with that transaction to my account. Therefore, I think the so-called issue with the transaction is not a valid excuse to further delay the deposit of the points. Meanwhile, the company claimed they have provided correct info regarding the timeframe for the deposit of the rewards points. It has been 3 months since the spending criteria was met, and 2 months since the statement generated in which enough spending was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I submitted a request via online support to Coinbase as I no longer had access to my email associated with my Coinbase account. They instructed me to open a new account and provide verification documents which I did so they could transfer the funds into my new account, I have asked for an update weekly since then with zero response. I filed a formal compliant with Coinbase and they referred me back to the original ticket opened on XX/XX/XXXX. I just need access to my account or have funds transferred.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-24 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 am a victim of identity theft. XXXX has fraudulent accounts on my credit profile that need to be 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 2021-08-24 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: MI

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2021-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
After being denied a modification, out of the blue onXX/XX/XXXX, I got a message stating I picked a post pandemic solution and it could take up to 30 days to process. Various messages said that the solution requested was a modification and that I could check its status. Also messages indicated someone would contact me within 2-3 days of XX/XX/XXXX + XXXX XXXXNO CONTACT! Its been 2 months and my request is still being processed???? I never picked a post pandemic solution-do n't know if they picked it for me or they are just jerking me around.

Company response to consumer: Closed with explanation