vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-13 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: FL

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: Upstart Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I sent a validation letter to Upstart Network INC disputing the information on my credit bureaus reports. They responded within the 30 day time frame, but did not respond with the requested validation documents. They also did not report to the credit bureaus that the items were being disputed. On XX/XX/XXXX, I sent another letter to inform Upstart Network INC that they hadn't marked the item as " disputed '' on my credit reports, a clear violation of the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and the Fair Debt Collection Practices Act Section 807 ( 8 ). Attached is a copy of all three credit reports that show as of XX/XX/XXXX Upstart Network INC has failed to place a notice of dispute on my account within the required 30-day period. The first letter of dispute was sent on XX/XX/XXXX. Therefore, the item should've been marked as disputed '' 30 days from when they received it, which was on XX/XX/XXXX according to USPS tracking.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
2 of my cars were totaled within 3 years apart, and the insurance company paid out Lexus/Toyota Financial in full yet somehow Toyota decided to charge me deductible. They did not tell me, warn me, nor contact me to make these payments. For years i believed that this was not my fault and was told the insurance company will handle it. After years of being frustrated, i decided to pay the balances ( see screenshots ) just to get rid of it. Toyota financial assured me they would delete the derogatory standing on my credit report as it was not my fault AND i paid it. They have not done so. It has almost been a full year. This company is disgusting and i refused to get a 4th car with them after being so loyal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Basic lee I had navy federal credit union freeze up all of my accounts and restricted every thing and said it was a permanent security restriction due to some one hacking into them on line a XXXX XXXX XXXX and the credit unions security department has been really nasty and every thing else and they are being rally rude and nastey to me and refuse to help me and told me to submit a security appeal form then I am getting the run around from the credit unions Security department. I had tried calling them multiple times with no luck. Basic lee I fell because I am a victrum of identity theft the credit union is taking every thing out on me and they should not be.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: IN

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the 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 2021-01-13 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: Early Warning Services, LLC
State: TX

Complaint narrative:
send informatyion to all : XXXX  XXXX  all information on the report, not mine XXXX  XXXX XXXX ( same ) XXXX XXXX XXXX ( same ) XXXX XXXX  ( same )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: WV

Complaint narrative:
I suspect a close friend or family member has stolen my identity. I've been working on my credit for 4 years faithfully. I've seen many disturbing things that do not belong to me. I've disputed many things with transunion and XXXX  they seem to agree with me and erased allot of the things on my report. I was a victim of identity theft in the worst way. XXXX worked with me professionally. We got my score to XXXX on XXXX XXXX and XXXX XXXX so you see when I logged into experian I was very bothered that they still have lots of information dated back to 1992 many of them which is hurting me and allot of very wrong information never fixed which is also hurting me. Like I said I was a victim of identity theft in the worst of way. If you look at my credit report with credit karma and credit sesame tells another story I've worked with them for 4 years even though XXXX  still has a little work to do. I just want experian to erase what doesn't belong their anymore and also dispute many things that are not mine cause my identity was stolen so I can move on and eventually buy a house and live a credit worthy life .I 've worked to hard for this to hit any road blocks I just joined experian identity theft monitoring XXXX dollars a month that's how serous I am. I just hoping that experian does the right thing and helps me. I reached out so many times to correct this credit report situation and I'm not getting anywhere please I need. I'm also on a fixed income in on social security XXXX for three years now. This is why I've been working so hard on this cause I don't want to live without credit. I suffer from XXXX XXXX XXXX I also suffer from XXXX XXXX XXXX, XXXX XXXX, XXXX. This is very important to me cause of all my illnesses that having a great credit and a clean credit report. Since I live on a fix income it's very important to have a good credit. That's why I've been working so hard these last few years. For my son my wife to have a better life and experian is holding me back. My number is XXXX if you can have them reach out to me that would be great I can't get nothing going thank you 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 2021-01-13 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:
As I have not heard back from TransUnion in over 60 days, regarding my demand for proof, since my notice of dispute dated XX/XX/2015 and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

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 2021-01-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Credit Consulting Services, Inc.
State: CA

Complaint narrative:
Credit consulting is erroneously and illegally reporting collections on my credit report. I contacted XXXX XXXX  who confirmed all bills were paid by insurance but credit consulting is refusing to believe it. I requested them to validate these account and disputed with bureaus, but Credit Consulting just deleted one account then rereported it with a new account # and added new accounts with different # to the bureaus ... this shoudl not be legal to do please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Persolve, LLC - Legal - Series 2
State: AL

Complaint narrative:
I was a victim of identity theft on multiple occasions bank accounts emails phone numbers and id were all compromised also involved in XXXX data breach this company is aware the account is fraud but continue to report to XXXX  credit report the representative i spoke with the supervisor was very rude and told me they didn't care what i said they weren't going to do anything and demanded payment now phonemail took place on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: TX

Complaint narrative:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently submitted a dispute with TransUnion regarding an unverified account on my personal credit report with XXXX/XXXX. TransUnion deleted the account with XXXX/XXXX. TransUnion recently reinserted the account without my knowledge. I have not received any correspondence regarding the method this account was verified including the information that was initially requested from them. My rights have been violated, and I have expressed this to TransUnion with no recourse.

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 2021-01-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am trying to communicate with wells fargo. all my home equity payments have been made. I did not agree to any deferment, nor did i answer any of my mail, due to problems with the mail, i didnt even get any of their letters. 

They keep trying to charge me with a deferment, and therefore affect my credit, and my creditworthiness. 

they promised me a detailed letter and proof that they said i called in asking for a deferment. I never called in, i call quite often to go over my account. that is it. 

they promised to send a detailed letter, and instead they sent a pretyped letter with no signture, which i cant understand. T This seriously damages my credit, and they are treating me disrespecful, denying my rights as a disabled person, to understand their literature, refusing to go over my account with me, and sending ambigous literature. i asked for a detailed accouting of all my payments, and they did not send that either. 

i wish to file a grievence, i am on hold fo rlong wait times, they sometimes have a tape on that they are not open,

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 2021-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
Gemini Trust Company LLC is an exchange they sell cryptocurrency I had 2 purchases with them XX/XX/XXXX and XXXX of {$5000.00} a piece bank transfers to them I'm not sure if they were domestic or international I have looked them up and they have 3 addresses in XXXX the one that is used most often is XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX I bought 2 bitcoins worth off them for {$10000.00} combined price I have a web page with them showing the amount and all the transactions but it won't let me take them out they are holding them they said the money has cleared but I can't take them out and transfer them to my wallet ( it's a cryptocurrency device ) I have called them at their number XXXX but it's a recording you can't leave messages or email them direct you have to go through their website to message them and they don't return messages I've looked around the web and found a lot of negative feedbacks about this same problem people say they were scammed by them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: TX

Complaint narrative:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept 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 2021-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I had an account with Autocheck which is owned by Experian. Autocheck is similar to XXXX, in that you can obtain backgrounds on automobiles by submitting the vehicle VIN. 
My wife sent them a letter on XX/XX/XXXX canceling our account. Which, Experian never did. They then told us, that by virtue of our contract, to cancel, we had to pay two months of fees at {$75.00} a month. I told them I did not remember signing any contract and to send me a copy of it. They sent me a copy of a contract that my son had signed in XXXX ( See Attachment ) when we had an Automobile Company, named XXXX XXXX That company ( XXXX XXXX ) has not been in business since XX/XX/XXXX. In any event I was paying a, garden variety, consumer rate with the account in question and not a corporate rate, which was much less money. 
Therefore, they are in error. There is NO contract with me personally. They refused to admit they had made a mistake, even after repeated phone calls and emails with a XXXX XXXX, of Experian, the last of which was XXXX. 
We heard nothing more until a few days ago. We received a letter from XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, Texas XXXX demanding {$450.00}. " Which may adversely affect you credit history '' we are told by them, if not paid. Since Experian is a credit reporting entity we have no doubt that a company that size will not hesitate to ruin our credit, over a bill we do not owe.

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 2021-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Checking and Savings account was opened online with Citibank in XX/XX/XXXX. Soon after, I received checkbooks for my checking account. 
I deposited a {$10.00} check from my Citibank into another bank account ( my account at this other bank ) ( dated XXXX XXXX, transaction into other bank took place on XXXX ), only to be told by the other bank that my check was asked to be returned by Citibank ( on XXXX ) as my Citibank checking account had the status of being blocked or frozen in XX/XX/XXXX. 
Upon calling Citibank customer service over telephone, I was informed that the service of using checks from my checking account was not activated. I asked for the activation on XXXX during the same phone call. The agent informed me that I would have received in my welcome pack in XX/XX/XXXX, instructions to 'activate ' the function of using checks from my checking account. 
I had not received any such instructions or warning notice with my checkbooks. I checked my account online on citibank.com and could not find any link to activate checkbooks or this basic checking feature of my checking account. 
The other bank charged me check return fees ( {$10.00} ) as from their point of view, I sent them a check which couldn't be cashed. 
I think it is ridiculous that despite opening the checking account successfully online with Citibank, requesting and receiving check books for said checking account, I am supposed to 'activate ' this basic and core feature of a checking account, while such a basic requirement is not done automatically by the bank upon account opening. 
This is an anti-consumer practice. Citibank has provided no such instructions on their website for this checking account that I could find and I can not find any such letter with instructions from XX/XX/XXXX, even though I keep such physical correspondence from the banks I have a relationship with. Citibank only keeps e-documents for 12 months from their release, so they don't have any documents from my account opening from XXXX that I can download to verify their claims.

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 2021-01-13 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: NC

Complaint narrative:
Ive always kept up with my credit report and ensured I made responsible decisions with my credit. Im still in disbelief that someone was able to take out car loans and credit cards in my name. Losing my job due to the pandemic, my identity being stolen, my credit greatly impacted, and my family passing away due to COVID-19 has impacted me heavily. Please help me get my life 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 2021-01-13 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: GA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$160.00}, {$160.00}, {$5900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$160.00} -This is not my account. 

3. XXXX XXXXXXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$160.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account.

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 2021-01-13 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: GA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$160.00}, {$160.00}, {$5900.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$160.00} -This is not my account.

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$160.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account.

Company response to consumer: Closed with explanation