vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/2021, I attempted to dispute inaccurate information on my credit score affecting my credit score, because I am trying to apply for my va loan to purchase a home, I've contacted the credit bureaus to delete over 13 accounts that exceeds past the 4 year california statute of limitations, but the creditors keep illegally re-aging the accounts that total up to {$20000.00} and the credit bureaus keep allowing me them to, when I dispute the items to let them know what they are doing is illegal, experian, transunion, equifax blocks me from filing the disputes, this has became on ongoing problem for years and something needs to be done about it, I am tired, and frustrated because they keep my scores in the low 500 's when my scores should be in the mid 620s to 670s, everytime I contact them they do not fix the issues that these creditors are illegally causing

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: New Mexico Educational Assistance Foundation
State: NM

Complaint narrative:
I just found out a couple days ago i had a judgement lien put on my home in XX/XX/2010 from a judgement that was settled in XXXX for student loans. I only make XXXX a month and behind over XXXX on my HOA. I am XXXX my home is in bad shape and upside down on it i would have to pay XXXX to get me out of this home. Although with this judgement lien my payment goes up to XXXX or more I wanted to move into a safer home with friend but i can not do it with the judgement lien. Why do i have a lien on my home from XXXX XXXX XXXX attorney for a judgement creditor. My credit is in excellent condition XXXX with XXXX  XXXX XXXX and XXXX XXXX. Is this a valid lien this already went to courts and the judge made a ruling on it the judgement dropped off my credit report years ago. I have filed for a XXXX discharge pertaining to my student loans yesterday if excepted will this help my student loan judgement lien disappear. 
Sincerely, XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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:
Transunion says I have 2 hard inquierys from XXXX and a bank in XXXX. Both are identity theft or wrong person. My account was frozen on both times. 

Then my XXXX XXXX accounts are somebody else. 
If you want to do illegal investigation and not do FAIR CREDIT TEPIRTING AGENCIES SECTION 604, 609 AND 611. GO AHEAD AND LIE. YOU HAVE FOREIGN WORKERS DOING ILLEGAL WORK. SHAME. THEM MY ACCOUNT IS LICKED EVERY DAY. JUST SEND ME WHO YOU TALKED TO, THE DATES AND TIMES. THEN WHAT WAS SAID SO I CAN GET THE ATTORNEY GENERAL AND MY LAWYER INVOLVED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
Hello, I opened a membership with XXXX XXXX XXXXXXXX of XXXX, in the XXXX TX, I used the facility once or twice and never returned. I continued to pay the membership until XXXX of XXXX, when I relocated to XXXX which is 50 miles away from their location. According to their contract, the membership can be canceled, if the member relocate 25 miles away from the gym. I mailed the cancellation form to the address stated on the agreement, however they did not cancel the membership. The account was sold to ALDOUS AND ASSOCIATES debt collection and in XX/XX/XXXX it was reported to XXXX which decreased my credit score by XXXX points. Ive disputed the debt with XXXX they did not remove it. The debt was reported a second time within the same year which resulted in another decreased of my credit score. On XX/XX/XXXX it was reported again as an opened account which resulted in another decreased of my credit score by XXXX points. The account should be canceled as requested back in XXXX of XXXX. The debt should be removed from XXXX immediately because ALDOUS AND ASSOCIATES, failed to include an account number with their reporting, they also violated the Fair Debt Collection Practices Act or the Fair Credit Reporting Act by reporting the debt multiple times and it should not be reported to any other credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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:
XXXX says I have 2 hard inquierys from XXXX and a bank in XXXX. Both are identity theft or wrong person. My account was frozen on both times. 

Then my XXXX XXXX  accounts are somebody else. 
If you want to do illegal investigation and not do FAIR CREDIT TEPIRTING AGENCIES SECTION 604, 609 AND 611. GO AHEAD AND LIE. YOU HAVE FOREIGN WORKERS DOING ILLEGAL WORK. SHAME. THEM MY ACCOUNT IS LICKED EVERY DAY. JUST SEND ME WHO YOU TALKED TO, THE DATES AND TIMES. THEN WHAT WAS SAID SO I CAN GET THE ATTORNEY GENERAL AND MY LAWYER INVOLVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
In XX/XX/2020, cash app allowed government benefits to be loaded on to their website. 
They promoted the pandemic unemployment by issuing an account and routing number. 
I allowed my brother to use my cash app to load his benefits and I paid him cash from my bank account. 
Soon after, my account was hijacked and I had to watch in real times as my money was sent to my late husbands aunt, XXXX XXXX ( XXXX XXXX, on cash app ). 
She took {$3900.00} and {$1500.00} back to back and also ran my card numbers at the local XXXX XXXX. 
I sent over XXXX messages to cash app, as they didnt have a customer service number, and I havent been helped. 
I called her bank, XXXX XXXX and also the police. 
As soon as she took the money, I was submitting for a refund. 
Cash app could have intervened, especially in a transaction so large, but they did not. 
One time, someone sent me {$500.00} and cash app put a delay on it for 24 hours. 
Why was she able to send a {$3900.00} transaction and a {$1500.00} with no hold, no review nothing. 
I was hacked and have had no justice since she lives in Florida, and I live in Ohio.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been receiving unemployment benefits since XXXX of XXXX with the California edd Bank of America pre paid card on XXXX of XXXX my account was locked due to a supposedly fraudulent withdrawal or suspicious activity wich I tried to inform edd and bank of America that it was me doing those withdraws but it didn't matter what I said they never unlocked my card or replaced it till this day I've been trying to get my funds that are locked on it but no luck both edd and bank of America have given me the run around they can't tell me the reasons why it was locked or solutions on what to do next I call every day with no solution to my problem all I want is for my funds to be released and for my card to be unlocked and reusable I'm receiving my benefits through checks by mail right now which is a problem but it takes forever if there's anyway yell can help me with this it would be much appreciated thank u for your time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: U.S. BANCORP
State: MT

Complaint narrative:
Stimulus check account was positive 4 months later charged me for some reason covid that I never had it wanted let alone knew about. I get double n triple charged I'm getting pandemic unemployment I have not gotten it checked in 3 weeks they keep overcharging and overcharged in an overcharged in an overcharging my account needs to be looked at fixed and done with immediately XXXX to US Bank

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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: TN

Complaint narrative:
An itemized bill does not imply that these account are valid, anyone can send a bill a claim ownership. I do not have any agreement with these company a contract showing that I have legal obligation to pay them. I am requesting you to send to me all the paperwork associated with the mentioned accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My mortgage was showing that I had a late payment in XXXX when I did not so I disputed the information with Experian. Experian has now updated the information removing the erroneous late payment but now they are showing the account as discharged in chapter XXXX bankruptcy. My mortgage account was never discharged in my chapter XXXX bankruptcy which was filed 9 years ago, the mortgage was reaffirmed and I am still in my house making timely mortgage payments every month. The mortgage servicer is 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 2021-06-26 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: LoanCare, LLC
State: FL

Complaint narrative:
My mortgage was showing that I had a late payment in XXXX when I did not so I disputed the information with XXXX XXXX has now updated the information removing the erroneous late payment but now they are showing the account as discharged in chapter XXXX bankruptcy. My mortgage account was never discharged in my chapter XXXX bankruptcy which was filed 9 years ago, the mortgage was reaffirmed and I am still in my house making timely mortgage payments every month. The mortgage servicer is Loancare.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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: PA

Complaint narrative:
Equifax is not taking credit card fraud if XXXXXXXX XXXX XXXX for 8years now. They are putting every year psid once to make it look like it has been less then 7 years when the other 2 companies took it iff right awat as fraud. Now we are going on 8 years of fraud card on my credit report. Equifax is breaking the law. I want XXXXXXXX XXXX XXXX for XXXX off my account and XXXX XXXX  with late payments 4 years ago were ppaid on time. Both accounts need to be investigated by state and federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have an account in collection for XXXX XXXX hospital in XXXX California that's affecting my credit. I do not recognize this account and I believe this is a fraudulent account due to identity theft. I do not live in California I live in Nevada. I moved several years ago but during that time I had my vehicle stolen which I did report to the police. I had my personal belongings in the vehicle at the time it was stolen because I was packed up to move. Unfortunately my ID, birth certificate and other important confidential documents were in the vehicle. This has been a nightmare because I have had to closely monitor my credit report and dispute several items already.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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: PA

Complaint narrative:
Equifax is not taking credit card fraud if XXXX CREDIT CARD for 8years now. They are putting every year psid once to make it look like it has been less then 7 years when the other 2 companies took it iff right awat as fraud. Now we are going on 8 years of fraud card on my credit report. Equifax is breaking the law. I want XXXX credit card for XXXX off my account and XXXX creditcard with late payments 4 years ago were ppaid on time. Both accounts need to be investigated by state and federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
Someone made an account under my name with acima credit XXXX XXXX XXXX in XXXX, and has a total lease balance of XXXX with a monthly payment of XXXX to be paid off in a 12 month term. The unpaid lease has brought my credit down, I called company to let them know that I do not recognize opening one, they told me to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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:
An itemized bill does not imply that these account are valid, anyone can send a bill a claim ownership. I do not have any agreement with these company a contract showing that I have legal obligation to pay them. I am requesting you to send to me all the paperwork associated with the mentioned accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UPGRADE, INC.
State: KY

Complaint narrative:
I am a victim of identity theft which have created a great deal of XXXX  and XXXX. I submitted an identity theft report complaint with the Federal Trade Commission. My consumer rights of me being a natural person under the Fair Debt Collection Privacy Act USC 1692 and Fair Credit Reporting Act 1681 are being violated. Upgrade are breaking federal law attempting to collect a debt that is not owed. I do not owe Upgrade any money and demand that they stop attempting to collect the alleged debt and delete any internal records of the alleged debt and stop the false reporting to the credit bureaus ( XXXX XXXX and XXXX  ). I am also requesting an audit trail according to GAAP that any money was given to me. If any account was created using my social security number ( which I didn't authorize ) that would make me the creditor not the debtor. How can the creditor owe any alleged debt? They can not according to congress! 15 USC 1692 states that it is fraudulent to furnish a deceptive form to make me think I owe an alleged debt when they became a " debt collector '' after " Me '' the Original Creditor creates a creditor by giving them credit to extend back to me. I do not owe any alleged debt and demand that the alleged debt be deleted immediately or I will seek remedies for the violation of my consumer rights under congress law!

Company response to consumer: Closed with explanation