vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-02 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 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX  you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: PA

Complaint narrative:
I previously disputed this account and never received a response about my investigation. I am asking for your help to get this account removed.

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 2021-08-02 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have inquires on my report that i did not authorize on my experian and they are as follows XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/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 non-monetary relief
Consumer complaint received 2021-08-02 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: DISCOVER BANK
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 


5. Identity Theft XXXX  XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX/XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-02 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: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft TD/TARGET Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 


5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX/XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: MI

Complaint narrative:
On XX/XX/2021 Credit reports were ordered from the three major credit reporting agencies. Once again Equifax refuses to provide credit report as they have refused before and will only comply with a formal complaint to CFPB. XXXX and XXXX  have sent the reports without prejudice. Equifax has refused to send my report year after year in violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
On or around XX/XX/XXXX I visited my dentist at XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ) for routine cleaning. After service they recommended braces but I did not want that so they suggested a different product XXXX and told me my insurance will cover part and made me take a no-interest loan to cover the rest. After reviewing with my husband we decided this wasn't the right time since we could not afford it. We called to cancel but the office claimed since the order has been made they will not cancel. They proceeded to take the funds from the credit line from Synchrony Bank for {$2700.00} ( this has ballooned to {$3000.00} ). We started getting collection calls from the credit company but told them funds should be returned since no service was performed and asked that they stop the calls. Additionally, the dentist failed to diagnose a more serious issue ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) that required surgery, and one that would have made the XXXX ineffective. 
To ensure I did not lose our lifetime Ortho dental benefit we reached the insurance company ( XXXX ) to notify them that no service was performed and asked that they investigate and restore our benefit. After investigating they sided with us and requested refunds from the dental office. They last reported to us that the refund is still pending. 
In XX/XX/XXXX, I received a notice of the filing of a warrant in debt from a third party, XXXX XXXX XXXX, XXXX represented by XXXX XXXX XXXX, XXXX, for a hearing on XX/XX/XXXX. 
I feel this is threatening and may have negatively impacted my credit rating as well. At this point, I fear that my family will be saddled with debt for service I did not get. If needed I can provide proof from my current dentist that at the time XXXX should not have been a priority. I can also show proof from my recent x-ray that my teeth are the same, healthier not because the XXXX eating the XXXX XXXXXXXX has been removed. 
I feel Synchrony Bank should have done more to recoup their funds since I repeatedly told them service was not provided.

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 2021-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have settled and/or paid off accounts and they continue to report long after the stature of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
I have been paying on my student loan, and the balance keep going up. I called and they say that is the interest that was not paid in the past. I still pay on my loan doing the Covid-19 I never missed a payment. I just want my money to show for something.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX , AR XXXXthat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
After reviewing my consumer report i noticed discrepancies on all three credit bureaus regarding XXXX XXXX. According to the FCRA Consumer reporting must be fair an accurate across all consumer bureaus. I've disputed this inaccurate alleged debt, TransUnion has failed to meet my demands by dispute and this has harmed my reputation and I demand remedy. XXXX XXXX has also failed to validate this alleged debt which is a violation of the FCRA and i demand deletion immediately.

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 2021-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: NC

Complaint narrative:
I called this company after checking my credit to see what the debt was about and They told me it was from a time when I was on my sisters phone plan. The amount is for XXXX, but I never owed them any money and my sister claims that they worked out the debt on her end. I explained to them that it wasn't my debt as I was never attached as an authorized user and I never involved my social on the account. They said they would send me a packet to verify the information but they never did. Around XX/XX/XXXX they dropped the debt from my credit score, but then on XX/XX/XXXX, they reapplied back to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Chime Financial Inc
State: NJ

Complaint narrative:
The prepaid company suspended my account but also took in a deposit of mine sent from my insurance company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Attention : Consumer finance prtection buraeu ref case no XXXX captalOne bank I wrote to your office several times But proper attention has not been Taken. 
Per responce I read by the bank, it Points that they are not aware of The issue having a letter clearly Stated that there was a short Balance amounting {$28000.00} Within 2 years window period. 
With transactions withdrawal at XXXX and uae. 
What I made out of my complaint Is as follows : I made a purchase XXXX  XXXX XXXX of merchandise At XXXX mall, XXXX XXXX XXXX But capital one first declined of The purchase cancellation and book Was not adjusted on time but finally Agreed which primarly has no knowledge And the mall made a cash refund arrangement After both party duscussed, may be to be safe Legally.

So my inferance is that if ever federal Inspector General Audit my book and Other lower citizen, one can Proof the bank has taken cash advantage So please research and refund My short balance B ) please take legal action via Civil suit firm. 
Thanks XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, va XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: PA

Complaint narrative:
I previously disputed this account and never received a response about my investigation. I am asking for your help to get this account removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: PA

Complaint narrative:
In my previous complaint submitted via CFPB XXXX XXXX FAILED to provide proof that this account was open by me. 

XXXX failed to verify employment, PHOTO ID &, etc. 

I asked XXXX to provide me documentation such as a pay stub or photo ID, I am still waiting 2 years later. 


XXXX also violated consumer protection laws by exposing subprime consumer such as me to unnecessarily high levels of risk and knowingly placing me in a auto loan with a high probability of default. 

XXXX did not verify employment or verify it was actually me getting the loan. XXXX requested no paperwork such as, bank statement, paystub, or anything to verify I could pay for this loan. Please bring a settlement upon ally financial I was a victim of subprime lending. XXXX has not sent me the original indebtedness in its original form. 

I am asking XXXX XXXX to provide me proof I actually open this account. Please send me a copy of my paystub ( I am sure XXXX can not provide me with a copy of any pay stub with my name on it because I haven't had a job in 10 years ). XXXX approved an auto loan without verifying the consumer had a source of employment to pay for this auto loan. 

Please provide me a copy of Paystub, photo ID, & a copy of my SS CARD all of which is used to obtain an auto loan. 

If you can not provide all three items please remove this account from all major Credit bureaus asap!

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 2021-08-02 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: PA

Complaint narrative:
In my previous complaint submitted via CFPB XXXX XXXX FAILED to provide proof that this account was open by me. 

XXXX  failed to verify employment, PHOTO ID &, etc. 

I asked XXXX to provide me documentation such as a pay stub or photo ID, I am still waiting 2 years later. 


XXXX also violated consumer protection laws by exposing subprime consumer such as me to unnecessarily high levels of risk and knowingly placing me in a auto loan with a high probability of default. 

XXXX did not verify employment or verify it was actually me getting the loan. XXXX requested no paperwork such as, bank statement, paystub, or anything to verify I could pay for this loan. Please bring a settlement upon XXXX financial I was a victim of subprime lending. XXXX has not sent me the original indebtedness in its original form. 

I am asking XXXX XXXX to provide me proof I actually open this account. Please send me a copy of my paystub ( I am sure XXXX can not provide me with a copy of any pay stub with my name on it because I haven't had a job in 10 years ). XXXX approved an auto loan without verifying the consumer had a source of employment to pay for this auto loan. 

Please provide me a copy of Paystub, photo ID, & a copy of my SS CARD all of which is used to obtain an auto loan. 

If you can not provide all three items please remove this account from all major Credit bureaus asap!

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 2021-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I mobile deposited a {$4200.00} IRS check into my account 3 weeks ago and have not received the funds into my account. I have reached out to kabbage 3 times so far and the funds have yet to be available nor a specific timeline of a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: MN

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 I'm 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 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, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AR XXXXthat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

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 2021-08-02 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: HW Holding, Inc
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXXHWARFIELD ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: D&A Services, LLC
State: CA

Complaint narrative:
on XX/XX/2021 your company was sent a cease of desist letter plus a validation of debt, which wasn't answered you company communicated back with trying to settle the debt which Is a violation of FDCPA 15 USC 1692.on XX/XX/2021 im sending your company another cease of desist letter.plus violations that your company have committed against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian, XXXX & XXXX Credit Reporting keep reducing my credit scores without any adverse issues or credit activity. Not more than a few months ago all three agencies had maintained my credit score in excess of XXXX. Most recently XXXX has reduced my credit score to XXXX ; XXXX reduced the score to XXXX while Experian has reduced my score to XXXX from XXXX less than 30 days ago. 

It appears, that unless I take out more credit or buy into their online services they ding my credit score.Other wise I have one of the cleanest credit histories you would find. 

I have contacted Experian and they sluff me off without any explanations. 

Can you please look into this matter at your earliest convenience. 

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