vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
I sent the company a certified letter asking to update my payment history accurately. The company never responded to me nor provided proof as they stated that they responded on XX/XX/21. I included their false response confirming the dates they received and responded also confirming their acknowledgement dates. In addition, they have violated responding to me within 30 days of receiving dispute. They have lied that they did as the address they sent other correspondence to is incorrect as well. You will notice on my certified letter I enclosed my proper address and still failed to respond to me. Also, in their previous response to my complaint, no document was provided for the date they speak off on XX/XX/21.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Since XX/XX/XXXX I have been working on getting my credit in great standing to buy a house. In this time I have been strictly repairing my credit. With verification letters being sent out first. I have yet to receive any information or updated status on this account. Status dates have not change since XXXX on this account which means the account was not investigated but said to have been verified and continues to report on XXXX and XXXXXXXX XXXX XXXX XXXX XXXX hasnt responded to the dispute and failed to launch an investigation into this account within XXXX days which is required by the Fair Credit Reporting Act XXXX XXXXXXXX XXXX and XXXX  are reporting different information, one shows the account has been sold to XXXX XXXX and another shows its has not been sold. In XXXX of the attached photos you will see That XXXX is reporting as the collection and original creditor with no consumer dispute added, which means no investigation has been done and multiple violations of the FCRA. I am requesting that this inaccurate information be deleted from my credit file immediately. XXXX XXXX XXXXXXXX XXXX has violated federal laws and continue to report negative information on my file without launching an investigation that is required by law.

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 2021-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Since XX/XX/XXXX I have been working on getting my credit in great standing to buy a house. In this time I have been strictly repairing my credit. With verification letters being sent out first. I have yet to receive any information or updated status on this account. Status dates have not change since XXXX on this account which means the account was not investigated but said to have been verified and continues to report on Experian and XXXX. XXXX XXXX XXXXXXXX XXXX hasnt responded to the dispute and failed to launch an investigation into this account within XXXX  days which is required by the Fair Credit Reporting Act XXXX XXXX. Experian and XXXX  are reporting different information, one shows the account has been sold to XXXX XXXX and another shows its has not been sold. In XXXX of the attached photos you will see That XXXX is reporting as the collection and original creditor with no consumer dispute added, which means no investigation has been done and multiple violations of the FCRA. I am requesting that this inaccurate information be deleted from my credit file immediately. XXXX XXXX XXXXXXXX XXXX has violated federal laws and continue to report negative information on my file without launching an investigation that is required by law.

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 2021-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have tried to reach out to XXXX XXXX and Transunion. They have closed my complaint and just made an excuse on why they could not answer my complaint.This is my XXXX  time and the previous time they have said they do not recognize the customer and need authorization which does not make sense if I have provided my drivers license as well the bank statement

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 2021-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Contacted Transunion in reference to a bankruptcy case that was filed not of my doing after being told that they received their information from XXXX I contacted them and they did an investigation and sent me a letter stating it was removed from their system, again contacted Transunion and provided a copy of the letter from XXXX with whom they said they were verifying information with. Transunion went further to say the letter from XXXX wasnt sufficient for them and although the date of birth nor was the address where filed mine they say they contacted XXXX and put in the case number so it was mine. I asked that they provide and was told they didnt have to and to quit disputing it and wait until XXXX when it will fall off, I was told its not that long and even if I disputed it again it would be considered frivolous and they would not have to investigate it. Which I thought that goes against the fair credit act and that they are not investigating it. When I contacted the bankruptcy court I was told they dont provide information to any credit bureaus so if thats so how is a third party not hearsay, because if they were not there or have first hand knowledge how can it be accurate?

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 2021-04-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I opened a loan with One Main Financial. I had one insufficient funds fee about 2 years ago. When I called to pay the fee the loan officer told me not to worry about it and to keep making payments. I was almost done paying my loan when I couldnt make my last 2 payments in XX/XX/XXXX. I spoke to several people including XXXX about not having money due to being laid off and unemployment not processing my payments. They were rude and called me almost every day at different times of day harassing me for payment. I was finally able to pay my last installment in XX/XX/XXXX. I thought I was done. Then I received a call from One Main that I had to pay the insufficient funds fee ( I had forgotten ) but I also had to pay interest on that fee. I asked for an explanation as to why I was charged the fee but the guy on the phone just said I had to pay it. I paid it so I wouldnt get called every single day.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-01 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: Continental Finance Company, LLC
State: MD

Complaint narrative:
There is incorrect information on my reports with XXXX pertaining to status dates of XXXX account that were included in a Bankruptcy last year, XXXX XXXX. The account in question have been improperly re-aged as a result of a dispute through the above mentioned credit bureau ... the accounts took the derogatory status XXXX XXXX when I filed for XXXX XXXX bankruptcy.. My credit report lists the dates more recently which appears to credit models that I had a recent derogatory event, when in fact there hasnt been any derogatory events since filing the bankruptcy. Im in the process of rebuilding my credit and these mistakes are preventing my credit score from improving.. The account with the incorrect information is XXXX XXXX. Ive reached to the company with no success. Additionally, Ive disputed with the bureaus multiple times without success, each time the status dates are showing even more recent.. This is really affecting my life.. as Im actually eligible to get a home loan while going through my XXXX XXXX, but again due to the erroneous reporting, my scores are not improving.. Please help me resolve this matter.. I only want the correct information to show.. the accounts took the derogatory status more than a year ago.. The only bureau reporting correctly is 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 2021-04-01 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: MD

Complaint narrative:
There is incorrect information on my reports with Equifax pertaining to status dates of XXXX account that were included in a Bankruptcy last year, XXXX XXXX. The account in question have been improperly re-aged as a result of a dispute through the above mentioned credit bureau ... the accounts took the derogatory status XXXX XXXX when I filed for XXXX XXXX bankruptcy.. My credit report lists the dates more recently which appears to credit models that I had a recent derogatory event, when in fact there hasnt been any derogatory events since filing the bankruptcy. Im in the process of rebuilding my credit and these mistakes are preventing my credit score from improving.. The account with the incorrect information is XXXX XXXX. Ive reached to the company with no success. Additionally, Ive disputed with the bureaus multiple times without success, each time the status dates are showing even more recent.. This is really affecting my life.. as Im actually eligible to get a home loan while going through my XXXX XXXX, but again due to the erroneous reporting, my scores are not improving.. Please help me resolve this matter.. I only want the correct information to show.. the accounts took the derogatory status more than a year ago.. The only bureau reporting correctly is Experian.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC
State: TX

Complaint narrative:
This company has run my credit XXXX  in XXXX month without my consent. These have hit my credit report as hard inquiries. The first XXXX was XX/XX/XXXX and the second XX/XX/XXXX. I do have a loan with them that I have not been able to make my monthly payments due to XXXX affecting me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I XXXX XXXX XXXX XXXX was entered into credit inquiry transactions that I did not authorize or consent to.I am a victim of identity theft and I believe my information is being used by bad people on the dark web. Having these False and misleading inquiries reporting to my credit report is very damaging and is hindering my ability to purchase a home for me and my son. I ask that you please remove all these false misleading inquiries from my credit report so I can began to repair my credit and eventually get my son a house. please resolve this matter quickly. I have included a list of all inquiries that I did not authorize below along with the dates. 
My information was obtained without permissible purpose. 
15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I identify all the inquiries accounts listed below as to be a result of identity theft, therefore they should be removed from my account no later that 4 days of receiving this complaint. 
15 U.S. Code 1681c2 defines as a Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report ; Please remove all the accounts listed below : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.

Complaint narrative:
My account has been disabled since XX/XX/XXXX, due to the fact that my account login was canceled, since then I have not been able to count on a XXXX  support service, my emails do not respond and I have my fonts trapped in the account. My case number # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
I purchased Bitcoin through this online exchange-Gemini in XXXX, they offer instant deposit up to {$1000.00} on their platform, I deposited {$990.00} and made a trade back to XX/XX/XXXX, after that I have been waiting to get my account verified from Gemini, during the wait, I have no access to my funds my coins my money. Since XX/XX/XXXX, Ive tried every way to get a hold on them including tons of emails, leave messages on their tweeter account, so far I have got 0 reply, nothing from them. And then I go through all their comments on Gemini tweeter account, I realize not only me having this problem, there are a lot of customers experiencing their funds locked by Gemini as well. Please help!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: OPORTUN FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XXXX of XXXX I opened a loan account # XXXX at the XXXX location inside the XXXX in XXXX XXXX, TX. Due to financial hardship I had to let that loan go so I stop doing payments. My financial situation improved and I had the chance to purchase my first home. My loan officer advices me to settle that account since it was affecting my credit and I would not qualify with it. On XX/XX/XXXX I called the billing department and I settle my {$6000.00} charged off account into a single payment of {$3500.00}. The rep XXXX XXXX gave the confirmation # XXXX and promised a letter stating the {$0.00} balance within 5-7 business days. Its been 29 days and that account still appears as debt and I have not received the confirmation letter. I called on XX/XX/XXXX asking for an update and the letter. The rep told me that its still processing and that it would take another week. He said he would escalate. On XX/XX/XXXX I called again with rep XXXX XXXX and he recognized that timeframe given was ridiculous. He knew that the company has messed up and he gave me the reason but he explained that the situation was not on his hands. He said he would escalate again to what I mentioned that it was already escalated. So I questioned what the previous rep and supervisor have done. He said supervisor XXXX XXXX would take the case. A month has passed and it has not been removed from my credit and I have not received the confirmation letter. I need the letter to close on my home or I will loose it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
On XXXX I was notified by XXXX credit bureau that a collection item was posted on my credit by Cavalry Portfolio Services for the amount of {$1800.00}, as XXXX XXXX  is the original creditor, I have disputed the account validity with all credit beraus and the account was permanently removed from my file only to come back 2 years later under Cavalry portfolio services, I asked them to remove this account from my credit because it's inaccurate and misleading and I mentioned the fact that it was disputed with the original creditor XXXX XXXX and it was unverified and removed and I also mentioned if the original creditor can't verify the account how were you able to do so, but I never received any response and the account still inaccurate and still on my credit file, furthermore upon checking my credit I found that the account was reported as a debt with contract that was opened under my name and the last active payment was made on XX/XX/2021 to Re-Age the account and ensure continues damage to my credit and I also found that Cavalry Portfolio Services adopt these deceptive practices continuously as a way of life not only limited to Re-Aging accounts but also report payment history when there is no payment made to unknown account with wrong status as a deliberate act to mislead and strong arm the victims either to settle for a debt isn't owed or suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I made a complaint a month ago regarding this credit card since I though it was part of a previous bankruptcy. I contacted the agency and arrange the payment and paid it off. I need this credit card to be removed from all my credit reports since I have fully paid the debt after talking to the debt collector, we settle for an amount. I have included the letter from the debt collector and the funds that left my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I spoke to a representative from XXXX XXXX who was the reporting company over a collection from XXXX XXXX XXXX. I discuss this account with her and she said this account been closed since XXXX XXXX XXXX  and was reported to all agencies for removal. Nevertheless all reporting agencies have report this account as a derogatory on my credit report. I am not aware of why it is still being reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I spoke to a representative from XXXX XXXX who was the reporting company over a collection from XXXX XXXX XXXX. I discuss this account with her and she said this account been closed since XXXX of 2020  and was reported to all agencies for removal. Nevertheless all reporting agencies have report this account as a derogatory on my credit report. I am not aware of why it is still being reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: NY

Complaint narrative:
There are several Accounts on my file that I have no recollection of. I never opened these accounts, I tried reaching out to these lenders but they have not taken any action and are still negatively reporting in my credit report. 

XXXX. XXXX XXXX XXXX {$120.00} Shows charged off. I never opened this account. 

XXXX. XXXX XXXX Balance {$490.00} Shows closed. I never opened this account. 

XXXX bank XXXX {$0.00} I never opened this account 4. XXXX XXXX XXXX {$0.00} I never opened this account 5. XXXX XXXX XXXX This loan was was supposed to be in deferrment and sold to other companies, they are reporting wrong negative late payments. I was never late. 

XXXX. XXXX funding Balance {$460.00} They claimed this account was collections for XXXX XXXX. Again I never had any open account for XXXX  XXXX as they are claiming. 

I have several paid off accounts on my credit report. I pay my bills, I will not make mistake of not paying my bills.

Company response to consumer: Closed with explanation