vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-08 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: FL

Complaint narrative:
Consumer Financial Protection Bureau : EXPERIAN CONTINUES TO CLOSE MY DISPUTES and EVEN DENY MY DISPUTES ONLINE. 


PLEASE DO NOT ALLOW EXPERIAN TO CLOSE MY DISPUTE AS I HAVE NOT BEEN ALLOWED TO DISPUTE NOR HAS MY REQUESTS TO BLOCK, ADD A PERSONAL STATEMENT, OR RECIEVE MY CREDIT FILE BEEN ALLOWED. 



I have tried to dispute it online via the paid subscription service I have and via mail. Experian tells me that it APPEARS NOT TO BE ME. Each time added days to the dispute allowing XXXX/XXXX XXXX XXXX TO PULL MY CREDIT FILE WITH THE UPDATED PERSONAL INFORMATION I PROVIDE TO EXPERIAN. FURTHER ALLOWING XXXX/XXXX XXXX XXXX TO VERIFY A FRAUDLENT ACCOUNT IN MY NAME USING MY PERSONAL INFORMATION. OF WHICH THIS INFORMATION WAS PROVIDED TO EXPERIAN TO DOCUMENT AND SUBSTANTIATE MY DISPUTE OF XXXX/XXXX XXXX XXXX AS FRAUD.

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 2020-09-08 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: TX

Complaint narrative:
The end of XXXX I took bad advise from a company called XXXX XXXX XXXX. I am trying to move on from that mistake. They recommended me to stop paying my unsecured debt and to settle with the credit holders instead of slow paying out the debt. I have settled with all 4 credit accounts - XXXX XXXX, XXXX XXXX, XXXX, and XXXX in XX/XX/XXXX. 

I have had a flawless credit history since all time before my dealing with XXXX XXXX XXXX program. My Credit has been flawless since i got out of that XXXX program as well. I paid the creditors what was agreed to settle for but I still have a tarnished credit report listing Charge Offs. I have only one small time period of an issue and I want to move past that. 

I would like the three credit bureaus to list the accounts as simply closed. Not Charged off. The Accounts were not " Charged Off ". The accounts were paid the amounts negotiated by the creditors.

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 2020-09-08 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: TX

Complaint narrative:
The end of XXXX I took bad advise from a company called XXXX XXXX XXXX. I am trying to move on from that mistake. They recommended me to stop paying my unsecured debt and to settle with the credit holders instead of slow paying out the debt. I have settled with all 4 credit accounts - XXXX XXXX, XXXX XXXX, XXXX, and XXXX in XX/XX/XXXX. 

I have had a flawless credit history since all time before my dealing with XXXX XXXX XXXX program. My Credit has been flawless since i got out of that XXXX program as well. I paid the creditors what was agreed to settle for but I still have a tarnished credit report listing Charge Offs. I have only one small time period of an issue and I want to move past that. 

I would like the three credit bureaus to list the accounts as simply closed. Not Charged off. The Accounts were not " Charged Off ". The accounts were paid the amounts negotiated by the creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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:
On XX/XX/XXXX I 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 30 days gives a reason to immediately remove those items from my credit report, It has been well over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. 

My Social is XXXX My D.O.B is XX/XX/XXXX My Current Address is XXXX XXXX XXXX XXXX XXXX XXXX Ca 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 2020-09-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: MA

Complaint narrative:
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 

Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Hi I found out that an account has been opened in my name in TD BANK which I never opened, I found out about this account in XX/XX/2020, I had already filed an police report about this situation in XX/XX/2020 as well. I have disputed this account several times with the credit bureau ( XXXX ) but the account still remains on my credit report please help me. I had also gave the copy of my police report to the TD BANK branch near me but the account has still not been terminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I have a total of {$880.00} sitting in my Coinbase account. I bought and sold XXXX which is XXXX. I want to transfer my money out of my Coinbase account back to my checking account. They froze my funds. I don't understand how they could do this. I emailed them many times and they are giving me the run around saying that that they can't allow a transfer because of security issues. I feel they are saying this as an excuse to keep the money. Please help me with this situation. 

Attached you will see a copy of the email they sent me saying the funds can't be transferred out of Coinbase and another attachment showing a snapshot of my back office showing my available balance. And a description of the amount that says it is unavailable to transfer out. 

I feel they might be trying to keep the money. I was unaware that this thing could happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have been trying to get this fraud account taken off my credit and I dont know why the credit bureaus haven't taken it off yet when I have sent multiple letters to them about it. I sent a letter back on the XXXX last month in XXXX and I attached the document of the original letter as well. It looks like it was opened XX/XX/2010 with a balance of {$4500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Midland Credit Management Inc is pulling my XXXX XXXX credit report for account reviews when they have no account to review for collection the account that they did have has been closed to all collections for being exempt from debt collection due to being on Social Security XXXX for life so they have no right to pull any of my credit reports for account review unless they are attempting to collect on exempt funds they closed the account and stop all further collections. they have no reason to review my reports for an account they can not ever collect on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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:
I have disputed incorrect information to all three credit bureaus several times and they have not removed adverse information off of my credit report. I have called disputed online through XXXX XXXX as well as directly and they have not removed the incorrect information. I have asked for proof to verify in writing the debt that they keep reporting that is owed and I have not received any verification proof or documentation from the original creditor, the third party debt collector or the CRAs. I am requesting that all errors and incorrect information be removed from my report immediately according to the FCRA.

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 2020-09-08 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: CITIBANK, N.A.
State: CA

Complaint narrative:
My Best buy account was paid off in full. The XXXX statement said I owed {$370.00} and I sent in {$380.00} the next month it showed I owed {$28.00} late fee. I called up and they said it was in error and removed it. Two months latter I get a 30 Day late on my credit report. I have disputed it with all 3 bureaus but Best Buy refused to correct to reports. I called them direct and still no help. This account only had a minimum payment due of {$25.00} with no interest and I paid off in full. I have never had a 30 day late and had perfect credit till Best Buy improperly gave my account a late charge and then did not wave it as promised.

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 2020-09-08 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:
On XXXX I 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 30 days gives a reason to immediately remove those items from my credit report, It has been well over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation 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. 

My Social is XXXX My D.O.B is XXXX My Current Address is XXXX XXXX XXXX XXXX XXXX XXXX Ca 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 2020-09-08 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SLM CORPORATION
State: VA

Complaint narrative:
The Account was given a Forbearance thru the Months of the end of XXXX due to COVID ... My Credit was hit with a late payment for XXXX ... That's incorrect if the account was already in a Forbearance ...

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
In XXXX i opened an American Express Blue cash card and received a SUBSTANTIAL credit limit. I have utilized this card for various purchases. I have made my payments on time every month. In XXXX i paid the card off in full. I did not use my card for purchase for roughly 6 months. Recently on XX/XX/XXXX I tried making a purchase and was declined. I was shocked due to the credit limit i had on the card. I called the number on the back of the credit card and found out that my card was on hold. This really took me by surprise. Then within minutes of the phone call i received an email telling me that my credit limit was decreased considerably. I was never informed of this until i tried making a purchase. I checked my card activity every month for monitoring purposes and never seen a decrease. Then the following day i received an email informing me that i have a message on the cards web site. The message informed me of the credit card companies decision in lowering my limit. It stated, Amount of your payments in relation to the overall balance on your American Express accounts. Which is false due to the card having no balance owed. The next reason listed was, Amount currently outstanding on your American Express accounts is to high relative to the income you provided on your application. Again this is false due to not having any outstanding amounts on this card and my income was the amount mentioned on my application and only went up in time. Remember I check the web site monthly for security reasons. The balance is XXXX and nothing due at this time.Then the email goes further regarding my FICO score which at the time of the card company running it recently was in the 700s. Now at the time of me opening the card my score was roughly the same and the credit information was about the same as well. There was some new accounts added of course. Which is understandable in time. Due to the companies decision making my FICO score will change drastically due to the depth to income ratio. I believe the companies decision was very harsh and wrong. This is not how you treat a loyal and on time paying customer. Ruining someones credit is wrong. Especially when your never late on making payments and paying a balance off. I am writing this to inform anyone that was thinking about opening an American Express Credit Card to really think twice. This company will ruin your credit even if you do make payments on time. I will provide information when asked to back up my statements above. I do not want to upload this personal information due to being snap shot pictures of my accounts web site.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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: FL

Complaint narrative:
I have disputed incorrect information to all three credit bureaus several times and they have not removed adverse information off of my credit report. I have called disputed online through XXXX XXXX as well as directly and they have not removed the incorrect information. I have asked for proof to verify in writing the debt that they keep reporting that is owed and I have not received any verification proof or documentation from the original creditor, the third party debt collector or the CRAs. I am requesting that all errors and incorrect information be removed from my report immediately according to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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: FL

Complaint narrative:
I have disputed incorrect information to all three credit bureaus several times and they have not removed adverse information off of my credit report. I have called disputed online through XXXX XXXX as well as directly and they have not removed the incorrect information. I have asked for proof to verify in writing the debt that they keep reporting that is owed and I have not received any verification proof or documentation from the original creditor, the third party debt collector or the CRAs. I am requesting that all errors and incorrect information be removed from my report immediately according to the FCRA.

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 2020-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2017 There was a cash advance in the amount of {$4500.00} taken from my credit card without authorization or without my presence of being there. The location where it was taken was US bank off XXXX XXXX XXXX in XXXX ca

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 2020-09-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Americor Funding, LLC
State: FL

Complaint narrative:
On Tuesday XX/XX/2020 I called the company called Credit9 at the number XXXX due to having received mail correspondence to my home address about being pre-approved for a personal loan. I spoke on the phone with a female representative of the company named XXXX who explained that her title is adviser. I was informed by Ms.XXXX that I will be approved for a personal loan, and that all I needed to do was provide my personal information, such as my full social security number, date of birth, home address, and full name. By providing the information I will be approved for a personal loan. Ms.XXXX informed me that she was going to send my information to a department called underwriting and will call me back at later time in the day to inform me of my approval. 

At approximately XXXX XXXX. eastern standard time, Ms.XXXX   called to inform me that my personal loan was not approved due to the reasons of a high amount of credit utilization and high amount of debt to income ratio. Which was not mentioned before I gave my personal information, and was not disclosed to me as a factor in not being approved for the personal loan. I never agreed nor was I informed about this factor preventing me from being approved. When I asked Ms.XXXX  to issue me a letter in writing for the reason of my personal loan not being approved, she informed me that it is up to her manager if one can be written and was not sure if she can write it. She informed me that the manager was busy and will reach out to me when possible. 

I am writing this complaint because I view, discern, imply and interpret this matter of business that Credit9 has conducted as deceptive practice and breach of verbal contract. I can prove that I have a clean credit report and have always paid my payments on time to all my creditors. So to be told that I am not approved for the personal loan and having my personal sensitive information be given to being assured and informed that I was going to be approved for a personal loan is deceptive and fraudulent. I am entitled to being issued my personal loan from the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation