vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I constantly monitor my credit scores and reports with all three credit bureaus and I noticed that Transunion credit bureau consistently had me at a drastically lower credit score compared to the other two credit bureaus which I am sure hurts my credit.

When I repeatedly attempted to log into the Transunion credit bureau website it wouldn't let me log in and kept saying that the site was down, after a week of calling the Transunion help/support toll free number trying to get help to log in, I finally got a Transunion agent that helped me log into the website.

On the website, I logged into my account and looked for anything that would explain my low Transunion credit score and There was nothing there to dispute, meaning there was no information in my Transunion account that could help me understand why my Transunion credit score was so low compared to the other credit bureaus. I spoke to a second Transunion agent who told me that I would have to pay {$9.00} to see my credit report and score ( which the other two credit bureaus provide for free ) and advised me to go to a free annual credit report website to obtain my Transunion credit report and score. 

I followed the agent 's advice and still couldn't get my Transunion credit report and score and the website message said that I would have to contact Transunion.

I believe that Transunion credit bureau is dysfunctional and should be investigated. I believe Transunion credit bureau purposely makes it very difficult to get any information from them and they demand a fee to do so.

The most pernicious point is that their tactics are hurting hardworking U.S. citizens credit.

I demand that Transunion credit bureau should be immediately and thoroughly investigated, punished and made to eliminate their manipulative greedy and harmful tactics.

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 2021-08-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: AZ

Complaint narrative:
Rent recovery solutions llc been trying to collect the wrong/inaccurate amount & reporting the inaccurate original owners, which I disputed numerous times already. According to the original contract from the Original Owner is XXXXXXXX XXXX XXXXXXXX XXXX, Not ( The  XXXX ) the original contract never mention The XXXX anywhere. Also according to original contract under Description of Rent Elements the " 5 day notice fee says it {$35.00} not {$25.00}, which the " Ledger at Move Out " has 2 {$25.00} 5-day notice fees. Also according to the original contract say an NSF Check Fee is {$51.00} not {$35.00} which recorded on the ledger once. Them errors make the balance of {$6500.00} inaccurate which is a violation of the FCRA. According the original contract the lease term is from XX/XX/XXXX until XX/XX/XXXX but the Date of lease contract says XX/XX/XXXX. The account number showing inaccurate on XXXX & XXXX  the account number not starting with two ( 00 ) but on the Rent Recovery Solutions LLC Response the account number start with two Zeros ( 00 ). The ( date form is filled out, same as on top of page 1 ) has 2 different dates. PLEASE DELETE THIS ACCOUNT FROM MY XXXX  & XXXX, or you give me no choice to escalate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmerAssist A/R Solutions, Inc.
State: DE

Complaint narrative:
This collection account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: OH

Complaint narrative:
The notes are, the bureaus arent following their own rules and guidelines, the 609 debt validation was sent as well as a demand to comply with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: LA

Complaint narrative:
I submitted a letter on XX/XX/2021 about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 60 days. I feel as though I'm being used and that my complaints are being ignored. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SHM Holdings, LLC
State: AZ

Complaint narrative:
On XX/XX/XXXX I inquired about a cash out refinance with Strong Home Mortgage , LLC. We were assigned a Loan Officer, XXXX XXXX. On XXXX I was completing the assigned documents when I came across a forbearance disclosure form. I contacted XXXX via email and let her know I was currently in a forbearance with the date it was initiated and its expiration. She advised me that we had met the parameters of the refinance with no concern of the forbearance start date ( less than 210 days after the loans first payment ). I followed through with each of the requirements including obtaining a wholesale membership they requested, a home appraisal and termite inspection all at my expense. I was continually reassured that we met the 210 day or 6 payments required by VA. Our closing date has come and gone and I was made aware that we in fact did not meet that requirement and must wait an additional 210 days from the date our first payment was made after the forbearance end date. I've invested time, money and now sacrificed a credit score due to the false claims made by the Strong Home Mortgage loan officer. I have made contact with a superior in the company who seems to be diverting the issue rather than resolving my concerns.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Recently I was going through my past paperwork to shred and I found 2 packets of Ally Bank. One had Welcome to Ally Bank with 18 Savings Account details and other with Customer Statement with 28 accounts in it. I had never opened any accounts with Ally, but it seems Ally got my information from somewhere and had opened these accounts in my name. 
If someone could help me close these fraudulent accounts, then it would be a big help. 
Thanks, XXXX XXXX XXXX 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 2021-08-26 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:
On XX/XX/2021, I sent a letter to the consumer report agencies mentioning multiple violations of misleading false reporting on my report. Not only have they not replied to me, I feel like I am being ignored. 
In the FCRPA, according to 15 usc 1681a ( 2 ) ( B ) which talks about exclusions ( meaning suppose to be excluded from the credit report ) it says : " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; '' When the FCRPA says credit card at a glance you may think they are talking about a visa card or mastercard etc ... but it is not the case here and the FCRPA proves it by specifically mentioning and defining that a credit card means any card not a metal cards plates or coupon books or other devices used in the purpose of obtaining money or property or labor or services on credit but your social security card that is in fact the credit card the FCRPA is talking about.

Now according to 15 usc 1681a under the exclusion section ( B ), anything that was extended or authorized from a credit card ( social security card ) should be excluded from my consumer report. I believe if they do not remove from my credit report, the consumer report agencies are civilly liable reporting this information and it is also inaccurate.

In addition, when the consumer report creates an investigated consumer report, according to 15 usc 1681a under the exclusion section ( e ) : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. '' Which means that the information that I disputed and that appeared on my credit report should be excluded once and for all.

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 2021-08-26 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:
On XX/XX/2021, I sent a letter to the consumer report agencies mentioning multiple violations of misleading false reporting on my report. Not only have they not replied to me, I feel like I am being ignored. 
In the FCRPA, according to 15 usc 1681a ( 2 ) ( B ) which talks about exclusions ( meaning suppose to be excluded from the credit report ) it says : " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; '' When the FCRPA says credit card at a glance you may think they are talking about a visa card or mastercard etc ... but it is not the case here and the FCRPA proves it by specifically mentioning and defining that a credit card means any card not a metal cards plates or coupon books or other devices used in the purpose of obtaining money or property or labor or services on credit but your social security card that is in fact the credit card the FCRPA is talking about. 
Now according to 15 usc 1681a under the exclusion section ( B ), anything that was extended or authorized from a credit card ( social security card ) should be excluded from my consumer report. I believe if they do not remove from my credit report, the consumer report agencies are civilly liable reporting this information and it is also inaccurate.

In addition, when the consumer report creates an investigated consumer report, according to 15 usc 1681a under the exclusion section ( e ) : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. '' Which means that the information that I disputed and that appeared on my credit report should be excluded once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: OH

Complaint narrative:
There was a phishing attempt made on my Coinbase account about 3 weeks ago, roughly XX/XX/XXXX. I put a temporary hold on my account as coinbase instructs customers. When I tried contacting them to open my account back up they told me to change my password. I followed this instruction and when i tried logging back in, it told me coinbase locked my account. I've tried repeatedly to contact coinbase about the procedure for unlocking my account isn't working and they REFUSE to call me even after I emailed and sent my number to them 3 different times. Any publicly listed company that refuses to respond to consumer complaints and account issues needs to be fined and DE-LISTED. This is literally legalized theft, they have my funds and refuse to give me access to them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
Synchrony Bank keeps calling multiple times at various hours and even on the weekends as well as texting and emails, even after I told them I lost my job to crona virus lockdowns, I told them as soon as I come across any money I would finish up my tab with them I cant help we are in pandemic and my job decides to shut us down to help stop the spread of covid since we have a huge surge right now and no beds are available. If I had any money I'd try to make payments but im laid off at the moment till our cases with covid go down. Im already stressed about the pandemic and paying my bills now I got synchrony bank harrasing me on top of it, then they ruined my credit. Closed my account and are charging me late fees and making it worse to get ahead of this curve ball that's out of my hands.

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 monetary relief
Consumer complaint received 2021-08-26 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: MI

Complaint narrative:
Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent. It is XX/XX/XXXXand the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable.

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 2021-08-26 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: MI

Complaint narrative:
Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent. It is XX/XX/XXXX and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: MD

Complaint narrative:
I got a copy of my credit report and i seen alot of inquiries i do not recognize, authorize or consent to. I don't know how they got there and i would like for them to be removed immediately please. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: CA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF THE WEST
State: NV

Complaint narrative:
I purchased a travel trailer private party. The previous owners had an outstanding balance on a loan for the travel trailer with Bank of the West. We paid that off directly to Bank of the West in person with a cashiers check referencing the loan account number as part of the sales process. Once we finished, the bank was not able to produce a title and now are stating that it may be as long as 3 weeks for us to receive a title. We are not able to register the trailer for legal road travel without a title as a private party. The title for private sales a critical legal document that they are holding.

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 2021-08-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I financed a car with XXXX on XXXX of XXXX I was up to date with my payments up until The COVID-19 Pandemic. Not only was i reported to the bureaus as late on my payments but also the vehicle was repossessed during The COVID-19 Pandemic and according to The CARES Act and The HEROES Act my rights are being violated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: FL

Complaint narrative:
I financed a car with XXXX on XXXX of 2019, I was up to date with my payments up until The COVID-19 Pandemic. Not only was i reported to the bureaus as late on my payments but also the vehicle was repossessed during The COVID-19 Pandemic and according to The CARES Act and The XXXX Act my rights are being violated

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