vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-24 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: MD

Complaint narrative:
We are requesting under the Fair Credit Reporting Act ( FCRA ) to have errors and imcompletions corrected in our credit reporting. These same errors were previously disputed, but were never corrected. In the case the original disputes did not have the correct evidence, we have attached copies from the providers documents that support the corrections. Please correct according to the providers documents, and if no correction, provide to us copies from the original loan documents that supports otherwise. 
From the CFPB : " Both the credit bureau and the business that supplied the information to a credit bureau have to correct information that's wrong or incomplete in your report '' XXXX, Please remove the {$1900.00} deferred payment from all recording. It was paid during the sale of the loan in XXXX of XXXX ( see attached XXXX ) and note sale and balance ( attached XXXX ). 
XXXX, Remove or provide signed document that has both my wife and my name that supports the XXXX  month term ( attached XXXX ). 
XXXX, Correct reported payment history that includes payments that were made to XXXX XXXX XXXX on these dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( attached XXXX ). 
XXXX, Correct entire payment history reporting. Please report according to the consecutive payments that were made. Payment history reporting should follow as recored in thier provided " XXXX XXXX XXXX '' ( attached XXXX ). Please remove all doubled and XXXX entries from XX/XX/XXXX to XX/XX/XXXX and have the reporting showing our XXXX consecutive and on time payment history. 
XXXX, Correct the reported balance amount of the loan ( XXXX ) and have it showing the balance according to the XXXX Transaction History ( XXXX ) according to the XXXX Transaction History. There is an {$3700.00} difference according to the XXXX Transaction History. This {$3700.00} difference is why our credit scores are sub prime ( Around XXXX - XXXX ) ( attached XXXX ). 
We also ask to have the loan Serviced according to the Note or XXXX loan XXXX, which are the only Active Loan Documents for our loan. 
The requested changes are supported by actual loan documents and any reason to not make the corrections should be supported by actual loan documents or ammendments that has our signatures.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma, LLC
State: TX

Complaint narrative:
Ive been a Credit Karma customer for many years. I believed them when given my credit score. It turns out that it is very inaccurate. I have also in the past applied for credit cards from their application, due to messaging stating I am pre-approved. Turns out, they were wrong. I didnt get the credit cards, and in turn decreased my credit score even more with multiple hard inquiries. I became a Credit Karma member around XXXX  to improve my credit, but the opposite happened. 
XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
Commencing on or about XX/XX/2020, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX XXXX ( the Fraudsters or Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO

Complaint narrative:
On XX/XX/XXXX XXXX and XXXX XXXX took out a loan with Secretary of Housing in Book 3153 page 758. The deed was assigned to Bankers Trust with Book 3135 page 758 as the legal document reference number. This belongs to someone else. The Sucessor Trustee was named XXXX and XXXX on XXXX XXXX, XXXX. On XX/XX/XXXX XXXX Bank transfereed the trustee to XXXXXXXX XXXX XXXXXXXX. They still have this. Two Trustees can not hold the note to the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
During a routine credit check by a financial institution reviewing an application for business credit, three late payments were noted from XXXX  XXXX XXXX XXXX XXXX {$7500.00} and reported on my Experian credit report. The account had been closed since XX/XX/2022 due to inactivity and a fraud alert issued in XX/XX/2022. Unbeknownst to me, XXXX XXXX XXXX  issued a yearly fee on XX/XX/2022. In XXXX XXXX, I was alerted to a FRAUD ALERT on the account from XXXX vendors by XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and the account was CLOSED and no new card was issued. The above facts are not in dispute and have validated with XXXX XXXX XXXX employees over 4 hours of investigation without assistance nor resolution. Apparently, the account had not been CLOSED but frozen. The account information was removed from my login screen. XXXX XXXX  XXXX reported to the credit reporting bureaus three last payments on a closed account for an annual fee of {$79.00} issued on XX/XX/XXXX and never seen by me because the statement was never sent because the account was closed ( actually frozen ). The {$82.00} payment was made from my XXXX account in XXXX ( not initiated by me ) and the account closed. My credit was negatively affected for late payments on a compromised account, supposed closed, and compromised. The fraud alert and the annual fee both occurred within 30 days of each other. I am concerned that XXXX XXXX XXXX is holding other credit card consumers " XXXX " to annual fees on closed accounts and fraudulent charges. 
I will pursue this further with an FTC. I will DEMAND that XXXX XXXX XXXX remove/ reverse the negative reporting from XX/XX/2022 and 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 2023-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion has still yet to remove XXXX XXXX from my credit file. Transunion did not investigate this account properly if so it would not still be on my credit file. At this point I feel as if Transunion is benefiting by keeping this account on my credit file. I am really upset and I will be filing a lawsuit. XXXX indicated on a reply back which included myself, transunion and consumer financial protection bureau that this account should not be reporting. I guess Transunion overlooked that document but at this point Transunion is liable and will pay for punitive damages.

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 2023-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I recently wrote to XXXX XXXX, via certified mail, requesting the deletion of the following account : Account Number : XXXX, and I would like for you to have a copy of this document as well. ( See attached ). I would also like to initiate a dispute with you in efforts to finally remedy this situation once and for all. XXXX XXXX  continues to falsely verify this account whenever I dispute this item with the Credit Reporting Agencies, -as well as yourself, the Consumer Finance Protection Bureau , -whom is a government entity. XXXX XXXX, has stated to all parties. -the Credit Reporting Agencies , The Consumer Finance Protection Bureau , and myself, on multiple occasions, that the information in which they are reporting is verified as accurate. However, this is not true! Anyone with eyes can see that the information which they are furnishing is blatantly inaccurate, inconsistent, and or incomplete due to the unavailable data ''. According to federal law, my credit report to be 100 % accurate and truthful, -which is sadly not the case. XXXX XXXX  has been furnishing this inaccurate information to the CRA 's for quite some time, and I have spent my hard-earned money, as well as countless hours of my precious time combating this issue. I have no idea how they continue to get away with this! I have recently informed you of this matter, as well as informed you of the U.S. Codes which I believe that XXXX XXXX  violated, -yet somehow, you still allowed them to report that the information was verified, which causes this item to wrongfully remain on my credit report. Now, it should be rightfully removed! At this point, I pose the question ; Is XXXX XXXX  above the law? Why are you not ensuring that this company is following federal guidelines, regulations, and or codes pertaining to credit reporting, fairness, accuracy, privacy, etc. This matter is now beyond whether or not the account is verified or not ; it has become a compliance issue ; which XXXX XXXX  is seemingly willfully noncomplying. Furthermore, XXXX XXXX  continues to cause harm to me. This matter has taken a significant toll on my health and livelihood, meaning that they have caused me both my physical and mental distress. I have mentioned this in the letter that I have written to them. Please see the attached document. I have enclosed the pdf version of my letter to XXXX XXXX, as well as my credit reports, which display the obvious inaccuracies and inconsistencies this company is reporting, -which has been like this for a long time, yet, XXXX  XXXX  continues to falsely verify as accurate. This has to stop at once!

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 2023-01-24 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: LA

Complaint narrative:
I recently wrote to XXXX XXXX, via certified mail, requesting the deletion of the following account : Account Number : XXXX, and I would like for you to have a copy of this document as well. ( See attached ). I would also like to initiate a dispute with you in efforts to finally remedy this situation once and for all. XXXX XXXX  continues to falsely verify this account whenever I dispute this item with the Credit Reporting Agencies, -as well as yourself, the Consumer Finance Protection Bureau , -whom is a government entity. XXXX XXXX, has stated to all parties. -the Credit Reporting Agencies , The Consumer Finance Protection Bureau , and myself, on multiple occasions, that the information in which they are reporting is verified as accurate. However, this is not true! Anyone with eyes can see that the information which they are furnishing is blatantly inaccurate, inconsistent, and or incomplete due to the unavailable data ''. According to federal law, my credit report to be 100 % accurate and truthful, -which is sadly not the case. XXXX XXXX  has been furnishing this inaccurate information to the CRA 's for quite some time, and I have spent my hard-earned money, as well as countless hours of my precious time combating this issue. I have no idea how they continue to get away with this! I have recently informed you of this matter, as well as informed you of the U.S. Codes which I believe that XXXX XXXX  violated, -yet somehow, you still allowed them to report that the information was verified, which causes this item to wrongfully remain on my credit report. Now, it should be rightfully removed! At this point, I pose the question ; Is XXXX XXXX  above the law? Why are you not ensuring that this company is following federal guidelines, regulations, and or codes pertaining to credit reporting, fairness, accuracy, privacy, etc. This matter is now beyond whether or not the account is verified or not ; it has become a compliance issue ; which XXXX XXXX  is seemingly willfully noncomplying. Furthermore, XXXX XXXX  continues to cause harm to me. This matter has taken a significant toll on my health and livelihood, meaning that they have caused me both my physical and mental distress. I have mentioned this in the letter that I have written to them. Please see the attached document. I have enclosed the pdf version of my letter to XXXX XXXX, as well as my credit reports, which display the obvious inaccuracies and inconsistencies this company is reporting, -which has been like this for a long time, yet, XXXX XXXX continues to falsely verify as accurate. This has to stop at once!

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 2023-01-24 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: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
I have continued to dispute this account with XXXX and Southwest Credit. I have never lived at service address and have never requested service there. This is a cable bill that i did not authorize. Dispute confirmation # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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:
I have reached out to XXXX, Equifax, and XXXX regarding several inaccuracies on my credit report. I also reached out to the collection agencies that are reporting this inaccurate information but they never responded after several attempts. The issue i have with XXXX, Equifax, and XXXX is they are falsely claiming they have done investigations and I know for a fact, 100 % they have not done any investigating because i also provided them proof of the inaccurate information and they still failed to remove the items. For example : I provided a copy of all 3 bureau credit reports and highlighted the inaccuracies across all 3 bureaus. If all 3 bureaus are indeed performing an investigation and gathering their information from the collection agencies, then there is no reason for all 3 bureaus to have different information ( balances owed, date of last activity, collection accounts that still show open status, late payment/charge off dates all different ). 
XXXX XXXX Acct XXXX shows open status with XXXX, but closed with XXXX. It says account not disputed when I also have proof this account has been disputed several times. 
XXXX XXXX Acct XXXX shows open status with XXXX  and closed with XXXX. Date of last activity shows XX/XX/XXXX with XXXX  and XX/XX/XXXX with XXXX. This account also says not disputed and i have proof that it has been disputed. 
XXXX XXXX Acct XXXX again shows open status with XXXX, but closed with XXXX. It shows last date of activity as XX/XX/XXXX with XXXX  and XX/XX/XXXX with XXXX  XXXX XXXX Acct XXXX again shows open status with XXXX, but closed with XXXX. Last date of activity as XX/XX/XXXX with XXXX  and XX/XX/XXXX with XXXX. 
XXXX XXXX Acct XXXX shows open status with XXXXXXXX  but closed with XXXX. LAst date of activity is XX/XX/XXXX with XXXX  and XX/XX/XXXX with XXXX. 
XXXX XXXX XXXX is showing as a closed collection account with XXXX  and Equifax but the balance continues to change. Last date of activity is XX/XX/XXXX with XXXX  and XX/XX/XXXX with Equifax. 
With all these inaccuracies, there is absolutely no way these bureaus are conducting fair investigations and i know i have rights as a consumer.This inaccurate information is damaging my credit and causing me to be denied credit and i've already lost 2 job opportunities becuase of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have reached out to Experian, XXXX, and XXXX regarding several inaccuracies on my credit report. I also reached out to the collection agencies that are reporting this inaccurate information but they never responded after several attempts. The issue i have with Experian, XXXX, and XXXX is they are falsely claiming they have done investigations and I know for a fact, 100 % they have not done any investigating because i also provided them proof of the inaccurate information and they still failed to remove the items. For example : I provided a copy of all 3 bureau credit reports and highlighted the inaccuracies across all 3 bureaus. If all 3 bureaus are indeed performing an investigation and gathering their information from the collection agencies, then there is no reason for all 3 bureaus to have different information ( balances owed, date of last activity, collection accounts that still show open status, late payment/charge off dates all different ). 
XXXX XXXXXXXX XXXX XXXXXXXX shows open status with XXXX, but closed with XXXX. It says account not disputed when I also have proof this account has been disputed several times. 
XXXXXXXX XXXX XXXX XXXXXXXX shows open status with XXXX and closed with XXXX. Date of last activity shows XX/XX/XXXX with XXXX and XX/XX/XXXX with XXXX. This account also says not disputed and i have proof that it has been disputed. 
XXXX XXXXXXXX XXXX XXXXXXXX again shows open status with XXXX, but closed with XXXX. It shows last date of activity as XX/XX/XXXX with XXXX and XX/XX/XXXX with XXXX XXXX XXXXXXXX XXXX XXXXXXXX again shows open status with XXXX, but closed with XXXX. Last date of activity as XX/XX/XXXX with XXXX and XX/XX/XXXX with XXXX. 
XXXX XXXX XXXX XXXXXXXX shows open status with XXXX, but closed with XXXX. LAst date of activity is XX/XX/XXXX with XXXX and XX/XX/XXXX with XXXX. 
XXXX XXXX XXXX is showing as a closed collection account with XXXX and XXXX but the balance continues to change. Last date of activity is XX/XX/XXXX with XXXX and XX/XX/XXXX with XXXX. 
With all these inaccuracies, there is absolutely no way these bureaus are conducting fair investigations and i know i have rights as a consumer.This inaccurate information is damaging my credit and causing me to be denied credit and i've already lost 2 job opportunities becuase of 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 2023-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
In accordance with The Fair credit act XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15U.S.C section 602A. States I have the right to privacy. 15U.S.C sec1681 604A section 2 it is 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
Consumer complaint received 2023-01-24 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: IA

Complaint narrative:
In accordance with The Fair credit act XXXX  account number XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXXXXXX XXXX  # XXXX,, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX,, XXXX XXXX # XXXX XXXXXXXX XXXX  # XXXX, XXXXXXXX XXXX # XXXX, has violated my rights. 15U.S.C section 602A. States I have the right to privacy. 15U.S.C sec1681 604A section 2 it is also States a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
I know back in in 2010 I had a Wells Fargo and thing was not adding up

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