vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-04 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: CA

Complaint narrative:
I have been a XXXX XXXX customer For almost 28 years. I have been paying my mortgage on time regardless of my hardship. I have two mortgages and two homes that are financed through XXXX XXXX Bank. In the past 28 years XXXX XXXX has sent my home to foreclosure without helping me to modify it to a better interest rate. I still made my monthly payment on time regardless of my hardship. I have excellent payment history on both of my mortgages but yet XXXX XXXX is reporting me 30 days late In XXXX of 2014. I tried to dispute with Experian and XXXX  and XXXX  unfortunately the problem was not fixed. Now I am forced to file a complaint against XXXX XXXX Bank for all their wrongdoings including destroying my credit while I've been a loyal customer. My loan has been transferred to another servicer. 
I am trying to refinance my house but the 30 days late is destroying my credit score and I can not get a reasonable interest rate based on my excellent credit history besides the 30 days late. 
XXXX XXXX knows that I am a registered nurse working at XXXX XXXX 40 + hours taking care of covid patients I don't have time to waste removing this late but I have no choice at this time because I have to refinance and provide for my family a safe home

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 2021-06-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, Equifax and XXXX  are reporting 6 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 5th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, Equifax and XXXX  are reporting 12 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2 dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: CA

Complaint narrative:
XXXX, XXXX, transunion. 
These companies are continuing to report derogatory marks on my credit report without consent. Also, the government closed these accounts and they are still reporting. Remove these accounts immediately. Ive sent debt validations as well as affidavits of truth and still no response in the 30 days time. Under section 3.1.1 Furnisher Incentives and Disincentives, Reporting to credit bureaus and other consumer reporting agencies by creditors is voluntary, so please remove these from my report. 



US DEPT ED {$3100.00} US DEPT ED {$690.00} US DEPT ED {$1700.00} US DEPT ED {$1700.00} US DEPT ED {$4600.00} US DEPT ED {$3300.00} US DEPT ED {$4800.00} US DEPT ED {$3100.00} US DEPT ED {$4900.00}

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 2021-06-04 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: CA

Complaint narrative:
Equifax, XXXX, XXXX. 
These companies are continuing to report derogatory marks on my credit report without consent. Also, the government closed these accounts and they are still reporting. Remove these accounts immediately. Ive sent debt validations as well as affidavits of truth and still no response in the 30 days time. Under section 3.1.1 Furnisher Incentives and Disincentives, Reporting to credit bureaus and other consumer reporting agencies by creditors is voluntary, so please remove these from my report.

US DEPT ED {$3100.00} US DEPT ED {$690.00} US DEPT ED {$1700.00} US DEPT ED {$1700.00} US DEPT ED {$4600.00} US DEPT ED {$3300.00} US DEPT ED {$4800.00} US DEPT ED {$3100.00} US DEPT ED {$4900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: CA

Complaint narrative:
XXXX, Experian, XXXX. 
These companies are continuing to report derogatory marks on my credit report without consent. Also, the government closed these accounts and they are still reporting. Remove these accounts immediately. Ive sent debt validations as well as affidavits of truth and still no response in the 30 days time. Under section 3.1.1 Furnisher Incentives and Disincentives, Reporting to credit bureaus and other consumer reporting agencies by creditors is voluntary, so please remove these from my report.

US DEPT ED {$3100.00} US DEPT ED {$690.00} US DEPT ED {$1700.00} US DEPT ED {$1700.00} US DEPT ED {$4600.00} US DEPT ED {$3300.00} US DEPT ED {$4800.00} US DEPT ED {$3100.00} US DEPT ED {$4900.00}

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 2021-06-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: TX

Complaint narrative:
I tried to speak to someone at Vance and Huffman and they keep transferring me to other companies. I didn't take out this loan and even offered to settle the bill but they wouldn't talk to me. This is not my account but its reporting on my credit report. This is not my account. I have sent paperwork in and even certified mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, Equifax and XXXX  are reporting 2 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 5th dispute letters to Equifax, XXXX  and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: LA

Complaint narrative:
I entered a consumer credit transaction with DISCOVER BANK and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that DISCOVER BANK claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. DISCOVER BANK has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-04 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: CA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: TX

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is the last letter that I am sending you before I take legal action. This is absolutely ridiculous. Your company is literally violating my rights as a consumer. If you are confused as to which rights let me tell you. 15 USC 1681c-2 as you refuse to block this information from my report within 4 business days of the receipt of my identity theft report. 15 USC 6801 as you are violating my privacy and causing substantial harm and inconvenience to me as a consumer. 15 USC 1681a as these alleged accounts are clearly from an authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Lastly 15 USC 1681b as these fraudulent have been included in my consumer report with ANY written instructions by me. With that being said please remove these fraudulent accounts that are listed within the FTC affidavit that I included. Please also review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you ( Attach document that was sent to you via email )

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 2021-06-04 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX, Equifax and XXXX  are reporting XXXX derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 5th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: AMALGAMATED TOKEN SERVICES, INC.

Complaint narrative:
I have been a user of Coinlist since XXXX when they were started. 
I have registered with them and passed XXXX 
I had money in that account. About $ XXXX worth of cryptocurrency. 
My account was stolen and I've tried contacting them via their support tickets and the phone. 
Nobody is answering or responding to tickets. 
https : XXXX Other people are complaining about the same issues. That nobody is responding. 

My email and passwords were changed Mon, XX/XX/XXXX and the company does nothing till now. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I called equifax the whole month of XX/XX/2021 I asked if I could speak with the fraud department I even spoke with Supervisors and managers and no would helped me with the unknown inquiries I was told by different Representatives at XXXX  the unknown inquiries would be removed I had to call back Multiple times for weeks for getting false information about my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX made a online purchase with XXXX XXXX XXXX  company later i cancelled my order over the phone and online aswell was told by a customer service rep i wouldn't be charged anymore for the items since i was cancelling the order later on XX/XX/XXXX i found out i was still charged due to a technical error now im fighting the charge to get my money back because i had found another deal this is completely unprofessional and unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX I sent them a letter and a report requesting that an account be deleted that was reporting false information. On XX/XX/2020 they sent me a letter requesting information to verify who I was. In return, I sent them my drivers license and social security number with my correct street address on it verify my identity. 

As of today, they have not removed the account or sent me an updated credit report as requested. I have tried several times to call them and cant get through the line because their system want verify my identify. I have tried getting credit monitoring services to help obtain my credit reports but they were unsuccessful and could not retrieve my information due to identify issues as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: MD

Complaint narrative:
I have disputed with XXXX XXXX  and transunion several times with concrete evidence of Inaccuracies. I was not able to get any answers on how my disputes were investigated. I'm seeking CFFB to ask the 3 CRA 's to remove the negative info. The balance, original lender, new lender and the late payments were not correct. The house was sold and payoff without any late payments or FS. Also the original creditor XXXX is not in good standing and therefore not legal to do business in Maryland. 
Please see attached.

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 2021-06-04 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:
I have disputed with XXXX, equifax, and XXXX  several times with concrete evidence of Inaccuracies. I was not able to get any answers on how my disputes were investigated. I'm seeking CFFB to ask the 3 CRA 's to remove the negative info. The balance, original lender, new lender and the late payments were not correct. The house was sold and payoff without any late payments or FS. Also the original creditor XXXX is not in good standing and therefore not legal to do business in Maryland. 
Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: MD

Complaint narrative:
I have disputed with experian, XXXX, and XXXX  several times with concrete evidence of Inaccuracies. I was not able to get any answers on how my disputes were investigated. I'm seeking CFFB to ask the 3 CRA 's to remove the negative info. The balance, original lender, new lender and the late payments were not correct. The house was sold and payoff without any late payments or FS. Also the original creditor XXXX is not in good standing and therefore not legal to do business in Maryland. 
Please see attached.

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 2021-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the XXXX you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, Equifax and XXXX are reporting 8 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX XXXX XXXX since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: WI

Complaint narrative:
I opened a chime account only because I was was forced or instructed to do so I was scared to say no and instead of asking for help I flowed along. This is clearly wrong a d now I see y. It started out with love communication on social media to draw me in. That was just one their tactics and it worked. Then they asked for XXXX XXXX having been down then road I had refused to give so e. Then then sent me XXXX pics asking me to set up a chime to start and hold a big inheritance. For they used there terms us. Keep in mind werre complete strangers not sure what there motive is

Company response to consumer: Closed with explanation