vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-21 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: IL

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days. I filed a 30 days demand to comply with the credit bureaus and still have yet to receive a responds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days. I filed a 30 days demand to comply with the credit bureaus and still have yet to receive a responds.

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 2022-03-21 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: Resolve Partners, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX Inquiry date: XX/XX/XXXXnon existing account. 

RESOLVE PARTNERS LLC
Inquiry date: XX/XX/XXXXnon existing account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/2022, I paid off 2 student loans to XXXX totaling {$25000.00}. During that same time period, I also paid off a mortgage to XXXX XXXX XXXX  in the amount of {$120000.00}. After paying off these balances, my Experian credit score dropped by XXXX points. My XXXX mortgage balance was reduced by {$960.00} during this same time. I am seeking an explanation on why -- after paying down close to {$150000.00} in debt, that my credit score would drop rather than increasing. Use of an algorithm that decreases my credit score after paying off debt seems to run counter to and defy logic. The way my scores are being calculated at Experian, it is as though my score is higher when I am carrying more debt. This seems extremely unfair to consumers. I am asking that the CFPB do an investigation into the use of such practices and algorithms. 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 2022-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-03-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. ( Inquiries ) -- - 1. XXXX - XX/XX/2021 XXXX / 2. XXXX - XX/XX/2021 XXXX / 3. XXXX XXXX XXXX  XX/XX/2021 Experian / 4. XXXX XXXX XXXX Mortgage Companies XX/XX/2021 Experian / 5. XXXX  XXXX  - Mortgage Loans XX/XX/2021 - XXXX / 6. XXXX XXXX Mortgage Companies XX/XX/2021 XXXX / 7. XXXX - Mortgage - XX/XX/2021 XXXX / 8. XXXX - Mortgage - XX/XX/2021 XXXX / 9. XXXX XXXX XXXX - Mortgage Companies XX/XX/2021 Experian / 10. XXXX - Mortgage - XX/XX/2021 XXXX / 11. XXXX XXXX Mortgage Companies XX/XX/2021 Experian / 12. XXXX XXXX  Mortgage Companies XX/XX/2021 XXXX / -- 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

-- 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-03-21 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Went to XXXX XXXX XXXX to obtain free credit report. Got it from XXXX and XXXX without trouble. As usual, Equifax wouldn't provide it. I subsequently called and talked to an Equifax representative for half an hour to no avail. Last, ended up completing their online form and mailed it with two pieces of information. That was over two months ago and have not received anything from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: IL

Complaint narrative:
Creditor : PLAZA SERVICES Collection amount : {$7600.00} I noticed that the Debt in the amount of {$7600.00} has not been reported to XXXX but is reported to XXXX deeming this Information to not be 100 % accurate, inconsistent, and is not reported to all bureaus. The Fair credit reporting act states that all information reported to credit bureaus has to be 100 % accurate. If this debt is accurate why is it not being reported to all XXXX credit bureaus?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried on numerous occasions to have this collection removed from Equifax and it has been removed from all the other XXXX bureaus ( XXXX and XXXX ) months ago. The Collection is from XXXX XXXX XXXX Tennessee for {$130.00}. I have come to discover that this debt is also Under 15 US Code 1681a ( 3 ) this medical collection is in violation and cant be on my credit report. It is a HIPPA Violation and I NEED THIS TO BE REMOVED ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX  XXXX  Account # XXXX, XXXX  XXXX  XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-03-21 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MN

Complaint narrative:
On the date of XX/XX/2022 to XX/XX/2022 I was having an open house and during that time my phone and my wallet were taking. I noticed on the XXXX where I can find my phone that morning and I try to find it and find it and deal with the open house at the same time when the open house was done so can not find my phone so I went to find my wallet and I can not find that neither how much time in the next day thinking I just left it somewhere or missed placed it. At what time finally I grabbed another device XXXX now this was the evening and logged into and found the phone was elsewhere at this time I remotely disabled the phone and remotely wiped it back factory reset it then I just had to look to the banking accounts on the XXXX and I seen that XXXX transactions were going at this time I immediately contacted all the financial services and canceled cards closed and shut off cards and everything so they can not be accessed anymore upon the next morning I filed a dispute on all charges as you can see Ive never charged into these places before with sound Im going over to XXXX and XXXX and everything else ATM withdrawal. I figured they hacked my phone to bypass the password which is very easy nowadays nothings truly locked when it comes to a phone. What is a Financial services have reclaimed my money and if you dont new cards and new protections to lock but still have one company that has denied every single claim they denied the ATM claim plus all the other charges heres a list of everything they denied. 
XX/XX/2022 {$55.00} ( XXXX XXXX  ) XX/XX/2022 {$100.00} ( XXXX XXXX  ) XX/XX/2022 {$100.00} ( XXXX XXXX  ) XX/XX/2022 {$40.00} ( Sent money to XXXX XXXX  account ) XX/XX/2022 {$210.00} ( Send money to XXXX XXXX account ) XX/XX/2022 {$67.00} ( House of valor $ XX/XX/2022 {$700.00} ( ATM Withdrawal ) I cant believe that theyre denying us its like I wish they wouldve shut the card off as soon as them Weird charging start popping up. XXXX say I had claim with XXXX XXXX  with you guys and you guys made that get corrected and finally taken care of and I was at that with them for months until I finally found your services here so thank you for that

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX, XXXX Account # XXXX, XXXX XXXX XXXX I Account # XXXX, XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  I Account # XXXX, XXXX XXXX  XXXX  I Account # XXXX, XXXX  XXXX  XXXX  I Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Maximus Federal Services, Inc.
State: ME

Complaint narrative:
I took a loan out for a little more than XXXX from XXXX XXXX in 2006... I have since then paid over XXXX back and still have over XXXX in interest to still pay. I know that it went to another company maybe even XXXX. navient and or aidvantage. I have already made a complaint about this and XXXX XXXX said it wasnt them?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: NC

Complaint narrative:
Getting constant call every Sunday around XXXX PM from a robo call saying their CBE Group debt collectors. They say call XXXX XXXX XXXX, when you call that number you get answer machine that says call during the weekdays. I don't owe any debts so not sure why they are bugging me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: AL

Complaint narrative:
On XXXX XXXX, I filed a dispute with this bureau about the unverified account XXXX XXXXAccount number XXXX and XXXX  XXXX XXXXAccount number XXXX. In these 2 months I have not received a notice in 45 days and I have tried multiple attempts for verification of these unverified accounts with this credit reporting agency. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. 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 2022-03-21 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: Consolidated Information Services Solutions, LLC
State: FL

Complaint narrative:
UNIVERSAL CREDIT SERVI
Inquiry date: XX/XX/XXXX
non existing account. 
 XXXX XXXX  XXXX  Inquiry date: XX/XX/XXXX
non existing account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX, XXXX Account # XXXX, XXXX XXXX XXXX  I Account # XXXX, XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX I Account # XXXX, XXXX XXXX  XXXX  I Account # XXXX, XXXX  XXXX  XXXX  I Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-03-21 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX, XXXX Account # XXXX, XXXX XXXX XXXX I Account # XXXX, XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX I Account # XXXX, XXXX XXXX XXXX I Account # XXXX, XXXX XXXX XXXX I Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
FairXXXX- $ XXXX.is the company that is stating that I owe this money and they were paid, this debt has been removed from XXXX and XXXX and XXXX need to follow site XXXX They have received numerous of letters and documents, in regard to this matter.

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 2022-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: KS

Complaint narrative:
There was an unauthorized charge to my credit karma account. I reached out to them to dispute the charge. As seen below they they blocked the charge from competing this time and multiple times after that point. On XX/XX/XXXX they allowed the charge to clear. I emailed them to dispute the charge again. After multiple back and forth, they told me to reach out to the merchant. I again explained to them they stopped this charge before and they refused to reverse it. I then asked them to have a supervisor to contact me. At this point they deactivated my card with out my knowledge. 

I then started a deposit into my account from my XXXX earnings from the weekend so that I could get dinner. After the deposit, I went to my account too nice dinner if the cash to my savings account and saw that my card was deactivated and the money I was trying to deposit was not in my account. 

I immediately called Credit Karma and was told they deactivated my card because it was lost ( Which it wasn't ) and they could not reactivate the card. I've tried too reach a supervisor and I have been on hold for 30 mins. And they refuse to reactivate my card

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: AL

Complaint narrative:
On XXXX XXXX, I filed a dispute with this bureau about the unverified account XXXX XXXXAccount number XXXX and XXXX  XXXX XXXXAccount number XXXX. In these 2 months I have not received a notice in 45 days and I have tried multiple attempts for verification of these unverified accounts with this credit reporting agency. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. 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 non-monetary relief
Consumer complaint received 2022-03-21 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: AL

Complaint narrative:
On XXXX XXXX, I filed a dispute with this bureau about the unverified account XXXX XXXXAccount number XXXX and XXXX  XXXX XXXXAccount number XXXX. In these 2 months I have not received a notice in 45 days and I have tried multiple attempts for verification of these unverified accounts with this credit reporting agency. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. ( Inquiries ) -- - 1. XXXX - XX/XX/2021 XXXX / 2. XXXX - XX/XX/2021 XXXX / 3. XXXX XXXX XXXX  XX/XX/2021 XXXX / 4. XXXX XXXX XXXX XXXX  Companies XX/XX/2021 XXXX  / 5. XXXX  XXXX  - Mortgage Loans XX/XX/2021 - TransUnion / 6. XXXX XXXX Mortgage Companies XX/XX/2021 TransUnion / 7. XXXX - Mortgage - XX/XX/2021 XXXX / 8. XXXX - Mortgage - XX/XX/2021 XXXX / 9. XXXX XXXX XXXX - Mortgage Companies XX/XX/2021 XXXX  / 10. XXXX - Mortgage - XX/XX/2021 XXXX / 11. XXXX XXXX Mortgage Companies XX/XX/2021 XXXX / 12. XXXX XXXX  Mortgage Companies XX/XX/2021 TransUnion / -- 15 U.S.C 1681 section 602 A. States I have the right to privacy.

-- 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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