vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-09 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: LA

Complaint narrative:
I paid off a debt in person to XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX in the amount of {$180.00}. I sent the receipt to XXXX and Transunion twice, XX/XX/XXXX and XX/XX/XXXX after I was told that things would update after 45 days from the payment date. This debt is no longer valid and I would like it off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: LA

Complaint narrative:
I paid off a debt in person to XXXX XXXXXXXX XXXX XX/XX/XXXX in the amount of {$180.00}. I sent the receipt to Equifax and XXXX twice, XX/XX/XXXX and XX/XX/XXXX after I was told that things would update after 45 days from the payment date. This debt is no longer valid and I would like it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants' Credit Guide Company
State: PR

Complaint narrative:
This complaint is related to the company Merchants Credit Guide whose website is at https : //merchantscreditguide.com/. 

Recently, I was notified that an unpaid debt had been added to my credit report from an XXXX XXXX visit I made in 2020. When I spoke with the representative on the phone I discovered that they had the wrong address on file and had failed to notify me of the debt. 

As a result my credit score has been impacted days before I was planning on purchasing a home causing me significant financial harm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: SC

Complaint narrative:
I am a victim of identity theft. Someone has access to my personal information and is ruining my credit. I have no knowledge of what or who this could be. I filed an FTC report and sent an Identity Theft Victim 's Complaint and Affidavit, notarized with certified return card. I haven't gotten any mail notifications from the Equifax from my previous complaints filed here and sent through certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I wrote Equifax numerous letters in regards to inaccurate, incomplete, and unverifiable medical accounts that are reporting on my credit report. 

My first letter went out on XX/XX/2020 The second letter was mailed out on XX/XX/2020 The third letter was mailed out on XX/XX/2020 The fourth letter was mailed out on XX/XX/2020 5th letter was mailed out on XX/XX/2020 I haven't received any notice and response back from Equifax in regards to the medical items that reporting on my credit report and are impacting my credit file. 

This account is not reporting the name of the Original Creditor Name, Date of Last Activity is not correct and has been updated which is not properly correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX a person who claimed to be an owner of a home and was renting it via XXXX sent an email to us after we were interested in it. They claimed to be the owner XXXX XXXX, and sent us a rent questionnaire. My son was the the one who was answering the email replied to all the questions and sent it back to them. They talked back in forth answering questions, they later told us they would have a final decision on who will rent the home. A day later they told him that we had won them over and that we will be able to rent the home. At this point I gave them my trust as they sent a whole paragraph with the word of XXXX, and being religious I believed them. 

The email told us to send in the security deposit of {$1900.00} and that way I would secure the home to me. They assured us that they would send the key to me once that is done. They then told us to send it to a man name XXXX XXXX who they claimed was his account manager, along with his email XXXX through XXXX. My son sent it to them thinking we were about to get the keys to my new place. But a day later he received another email saying that their attorney wanted the first months rent of {$1900.00} for this to be legal. We complied as I was still sure that I would get the keys. My son sent the money through XXXX to who he claimed was his wife XXXX XXXX with her email being XXXX. 

Days past and it has been over a week from when the money has been sent with no response back. We have reached out multiple times, but nothing. Nothing has come through the mail either, as they claimed the keys would be sent to my address. I am now sure that I have been scammed and robbed of {$3900.00} by these people. 

Chase and XXXX have both told me that they won't recover my money. They said they couldn't dispute it. So what they did was try to contact the recipients bank to make a dispute with them. They later sent me a letter saying nothing can be done. Although this should absolutely fall under fraud, I have been robbed of {$3900.00} and they won't do anything about it, and they would rather protect the criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have disputing with XXXX two different accounts ending in XXXX opened in XX/XX/XXXX opened without my knowledge or consent for {$3600.00} and act ending XXXX opened in XX/XX/XXXX with my knowledge or consent for {$2000.00}. I have sent certified letters to XXXX XXXX, Transunion and XXXX XXXX. XXXX XXXX asked for Bankstatements, and a previous utility bill for XXXX of XXXX and XXXX for proof that I was not living in Georgia when these two fraudulent accounts were opened in my name. I have called numerous times and have spoken to XXXX XXXX manager ID # XXXX in the fraud department along with her co worker XXXX extension XXXX at XXXX XXXX have phone records to show an incoming call on XX/XX/XXXX at XXXX EST I was called by XXXX for 18 min 42 sec call asking for the above documents. She provided a Fax number and email address to upload all documents. I sent everything over as request and I was informed all was received the same day. I called for several months trying to receive help to remove these fraudulent accounts and none of the agencies seemed to care or assist. On my XXXX account I submitted many online disputes. Please see below : Opened : XX/XX/XXXX and it was closed on XX/XX/XXXX which did not a provide me a fair and accurate investigation or dispute. 
Opened : XX/XX/XXXX and it was closed on XX/XX/XXXX which did not a provide me a fair accurate investigation or dispute Opened : XX/XX/XXXX closed on XX/XX/XXXX Opened : on XX/XX/XXXX and closed on XX/XX/XXXX which did not provide me a fair and accurate investigation or dispute Opened : XX/XX/XXXX and closed on XX/XX/XXXX which did not provide me a fair and accurate investigation or dispute Opened : XX/XX/XXXX and closed on XX/XX/XXXX which did not allow me a fair and accurate investigation Please see below the times of which I contacted XXXX with no help or calls back after I faxed and email the docs that were requested : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX ( 6 times that day ) XX/XX/XXXX XXXX ( 2 times that day ) XX/XX/XXXX XXXX ( I was transferred and spoke with 3 agents for a duration of 2.5 hours ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX ( 3 times that day ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Each time I was informed that my documents were being reviewed and that I would receive a call back. Till this day I not received anything back. I also attached all documents and information to XXXX XXXX  and Transunion and still nothing. 

Please investigate as I need Both charge off accounts for XXXX XXXX needs to be Removed!! 

Thank You, 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 2021-03-09 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: GA

Complaint narrative:
I have disputing with XXXX two different accounts ending in XXXX opened in XX/XX/XXXX opened without my knowledge or consent for {$3600.00} and act ending XXXX opened in XX/XX/XXXX with my knowledge or consent for {$2000.00}. I have sent certified letters to Equifax, XXXX, XXXX and XXXX XXXX. XXXX XXXX asked for Bankstatements, and a previous utility bill for XXXX of XXXX and XXXX for proof that I was not living in Georgia when these two fraudulent accounts were opened in my name. I have called numerous times and have spoken to XXXX XXXX manager ID # XXXX in the fraud department along with her co worker XXXX extension XXXX at XXXX XXXX.I have phone records to show an incoming call on XX/XX/XXXX at XXXX EST I was called by XXXX for 18 min 42 sec call asking for the above documents. She provided a Fax number and email address to upload all documents. I sent everything over as request and I was informed all was received the same day. I called for several months trying to receive help to remove these fraudulent accounts and none of the agencies seemed to care or assist. On my Equifax account I submitted many online disputes. Please see below : Opened : XX/XX/XXXX and it was closed on XX/XX/XXXX which did not a provide me a fair and accurate investigation or dispute. 
Opened : XX/XX/XXXX and it was closed on XX/XX/XXXX which did not a provide me a fair accurate investigation or dispute Opened : XX/XX/XXXX closed on XX/XX/XXXX Opened : on XX/XX/XXXX and closed on XX/XX/XXXX which did not provide me a fair and accurate investigation or dispute Opened : XX/XX/XXXX and closed on XX/XX/XXXX which did not provide me a fair and accurate investigation or dispute Opened : XX/XX/XXXX and closed on XX/XX/XXXX which did not allow me a fair and accurate investigation Please see below the times of which I contacted XXXX with no help or calls back after I faxed and email the docs that were requested : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX ( 6 times that day ) XX/XX/XXXX XXXX ( 2 times that day ) XX/XX/XXXX XXXX ( I was transferred and spoke with 3 agents for a duration of 2.5 hours ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX ( 3 times that day ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Each time I was informed that my documents were being reviewed and that I would receive a call back. Till this day I not received anything back. I also attached all documents and information to Equifax, XXXX and XXXX and still nothing. 

Please investigate as I need Both charge off accounts for XXXX XXXX needs to be Removed!! 

Thank You, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: GA

Complaint narrative:
I have disputing with XXXX two different accounts ending in XXXX opened in XX/XX/XXXX opened without my knowledge or consent for {$3600.00} and act ending XXXX opened in XX/XX/XXXX with my knowledge or consent for {$2000.00}. I have sent certified letters to XXXX, Experian, XXXX and XXXX XXXX. XXXX XXXX asked for Bankstatements, and a previous utility bill for XXXX of XXXX and XXXX for proof that I was not living in Georgia when these two fraudulent accounts were opened in my name. I have called numerous times and have spoken to XXXX XXXX manager ID # XXXX in the fraud department along with her co worker XXXX extension XXXX at XXXX XXXX.I have phone records to show an incoming call on XX/XX/XXXX at XXXX EST I was called by XXXX for 18 min 42 sec call asking for the above documents. She provided a Fax number and email address to upload all documents. I sent everything over as request and I was informed all was received the same day. I called for several months trying to receive help to remove these fraudulent accounts and none of the agencies seemed to care or assist. On my XXXX account I submitted many online disputes. Please see below : Opened : XX/XX/XXXX and it was closed on XX/XX/XXXX which did not a provide me a fair and accurate investigation or dispute. 
Opened : XX/XX/XXXX and it was closed on XX/XX/XXXX which did not a provide me a fair accurate investigation or dispute Opened : XX/XX/XXXX closed on XX/XX/XXXX Opened : on XX/XX/XXXX and closed on XX/XX/XXXX which did not provide me a fair and accurate investigation or dispute Opened : XX/XX/XXXX and closed on XX/XX/XXXX which did not provide me a fair and accurate investigation or dispute Opened : XX/XX/XXXX and closed on XX/XX/XXXX which did not allow me a fair and accurate investigation Please see below the times of which I contacted XXXX with no help or calls back after I faxed and email the docs that were requested : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX ( 6 times that day ) XX/XX/XXXX XXXX ( 2 times that day ) XX/XX/XXXX XXXX ( I was transferred and spoke with 3 agents for a duration of 2.5 hours ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX ( 3 times that day ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Each time I was informed that my documents were being reviewed and that I would receive a call back. Till this day I not received anything back. I also attached all documents and information to XXXX, Experian and XXXX and still nothing. 

Please investigate as I need Both charge off accounts for XXXX XXXX needs to be Removed!! 

Thank You, 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 2021-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
After 2 years of perfect payments record Paying my full balance ever month in full Without even 1 prior email or help After having trouble to pay my balance for the very first time my Apple card was closed during national pandemic I would like to report the bank into customer support at the state of CT and national customer help. 
I would Luke to expose this bank practice, without a single email or giving me an opportunity to fix my account, they just close it. 
I think banks forgot whos money bailed them out including this bank in the past bank crisis, but during national pandemic, when people loose jobs, struggle they use their power to bring everyone more down Im a woman owning a small business strangling like all of us, how is it possible for bank not giving you even one notice that they plan to close your account after being late for one month! This bank should be ashamed of themselves and not allow to profit from national crisis! 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ct XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX  XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.

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 2021-03-09 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: CORELOGIC INC
State: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX  XXXX  XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.

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 2021-03-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
I received a letter from Debt Recovery Solutions on XX/XX/XXXX that stated I owed {$240.00} to XXXX XXXX for an unpaid payday loan.. I disregarded the letter bc I do not owe XXXX  XXXX anything and I currently have a payday loan with them and you cant have a new loan unless the other one is paid off. The next day I was notified by XXXX  and XXXX  and XXXX  about a collection from Debt Recovery Solutions. On Monday XX/XX/XXXX I called Debt Recovery Solutions and I explained to them I did not owe anything to XXXX XXXX and I have the receipt that shows paid in full on XX/XX/XXXX. They said to send documentation to XXXX which I did when we hung up they said it would take 3 weeks or so to resolve this. On Tuesday XX/XX/XXXX I called XXXX XXXX to see if they can help me and they said that they do not know how Debt Recovery Solutions obtained my info. They said they did not sell my info to a 3rd party. I am writing this complaint bc Debt Recovery Solutions is fraudulently reporting a collection that has been pain in full since XXXX XXXX There is no reason this should be on my credit reports. I owe no money to XXXX XXXX and Debt Recovery Solutions I believe is committing fraud and committing a crime by falsely reporting something that is not true ... I have attached the receipt from XXXX XXXX that shows paid in full on XX/XX/XXXX and also the letter Debt Recovery Solutions sent me dated XX/XX/XXXX ..one year and three months after the debt was paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: TX

Complaint narrative:
Experian representative told me I had to contact each company myself to get 7 fraudulent/unauthorized inquiries removed from my credit report. Fair credit reporting act states that the burden of proof belongs to the credit bureau. That means that by law, he should be the one to prove the data I have disputed as legitimate and if he cant then it must be removed from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation