vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have disputed several times and received know help, XXXX XXXX XXXX is violating my rights.I opened an account with them XX/XX/XXXX, XXXX account number starts with XXXX it went into Charge Off status XX/XX/XXXX. XX/XX/XXXX they transfered the account to another XXXX XXXX XXXX office, they say ... 

then they gave it another account number acct # XXXX XXXX with XXXX past due and turned it into a collection and reporting past due balance on my report. XXXX  shows account paid.the acct # XXXX XXXX XXXX balance. 

I have tried to resolve this issue with all three bureaus with know help. 

I will upload proof of these statements.

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 2021-07-29 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: IL

Complaint narrative:
Equifax have not responded to any of my letters that I sent them. I've attached the letters in the order they were sent hoping to timely cooperation from them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: NY

Complaint narrative:
I am a victim of identity theft, there are unauthorized inquires reporting on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have sent several letters requesting a method of verification on XX/XX/2021 ; XX/XX/2021 ; XX/XX/2021 regarding them stating that the they validated the information on my credit report. I also provided them authorization for an additional investigation in which there were no results received. I would like for a valid method of verification that the invalid information is indeed mine that they have not removed from my credit report. If they are unable to provide the method if verification the information needs to be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: TX

Complaint narrative:
I have disputed several times and received know help, XXXX XXXX XXXX is violating my rights.I opened an account with them XX/XX/XXXX, XXXX account number starts with XXXX it went into Charge Off status XX/XX/XXXX. XX/XX/XXXX they transfered the account to another XXXX XXXX XXXX office, they say ... 

then they gave it another account number acct # XXXX XXXX with XXXX past due and turned it into a collection and reporting past due balance on my report. XXXX  shows account paid.the acct # XXXX XXXX XXXX balance. 

I have tried to resolve this issue with all three bureaus with know help. 

I will upload proof of these statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: UT

Complaint narrative:
While working with NewRez to try and refinance our home, they continually attempted to schedule closing dates next day, but refused to provide final closing disclosure document. They rescheduled closing several different times because they had not completed documents on their end. Each time when they scheduled closing, we would request an updated final closing disclosure and they would repeatedly ignore our requests. When they finally provided the document, they provided it an hour before they had scheduled for us to close. The disclosure had inflated numbers that had not been communicated to us and they had changed our interest rate and inexplicably increased closing costs by about {$900.00} from what we had agreed on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: AK

Complaint narrative:
Today, XX/XX/2021 at approximately XXXX XXXX  I attempted to utilize my Robinhood debit card via my smart watch to make a purchase at a XXXX store in XXXX, XXXX  for a total of {$170.00}. I attempted the transaction twice and both times were declined. Although I currently live in XXXX XXXX, XXXX, I have previously lived in and frequently visit XXXX. Despite this frequent activity, my account was flagged for unusual activity. I received texts, alerts, and emails stating that my account had been restricted and that I could not withdraw or use my debit card. I contacted Robinhood customer support but they refused to lift the restrictions even though I was able to provide all the information they requested, including my birthday, social security number, email address, physical address and a plethora of other questions. The Robinhood customer representative said the only way Id get access again is if I text them a selfie with me and my drivers license, upload a copy of my SS card, send them a copy of my most recent bank statement, and send them an explanation of my most recent deposit. It sounded like a scam but I went through the Robinhood app and escalated it to a specialist/manager before being told they couldnt help me. My account is frozen and my debit card no longer works. I informed them that Im on vacation and dont have an SS card to upload. They told me too bad, that theres nothing they can do. The call center worker also told me that this specific problem happens quite often to their customers. Considering I have around {$7000.00} in the account, and am currently on vacation in another state, I need this resolved quite expeditiously. Any assistance your agency can provide would be greatly appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: MARINER FINANCE, LLC
State: IL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: HI

Complaint narrative:
Target called me 3 days in a row saying i was approved for a card that i have never applied for i let them know it was not me. On the XXXX day they said they processed it and it was approved i told them the 3rd time while i was at work i never applied for that card. The user had my social and old address from another island. This is still reported on my credit report as a declined card offer 4 months after my complaint with the wrong address on XXXX, and XXXX. Application was on XX/XX/XXXX and XXXX XXXX Second Company XXXX XXXX refuses to take my declined credit information off my report saying they did their investigation and the report is correct. They have my SS and they used a incorrect address that i was never at, used my family business number and ran a report when i had already frozen my accounts date XX/XX/XXXX @ XXXX XXXX  PST on line from XXXX to a bank in Missouri. 
I live on XXXX dealing with id theft. Police report number XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
On XX/XX/XXXX, I submitted a complaint to CFPB regarding Transunion 's inability to provide me ( the consumer ) with the method of verification used to verify an erroneous bankruptcy on my credit report. The complaint was filed because after attempts on XX/XX/XXXX and XX/XX/XXXX, Transunion failed to provide me any information on how this information was verified or who would've furnished this false information to them. They merely stated it was verified and this has remained on my credit report without explanation. 

On XX/XX/XXXX, Transunion responded to the XX/XX/XXXX CFPB complaint stating that they would get back to me in 30 days to inform me of how they planned to resolve this issue and/or provide me with their method of verification used. It is now XX/XX/XXXX, past 30 days, and I still have no answer as to how this erroneous information ended up on my credit report. 

At this point, this erroneous and unverified information needs to be deleted from my credit report immediately. 

Refer to CFPB complaint ID : 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 2021-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have disputed many times with XXXX  about my credit report and some loans that were effecting my score. I have provided them with all the necessary documents as my identity theft report and they still have not removed it from my credit. Its still showing a negative which effects my score tremendously.

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 2021-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have disputed many times with Experian about my credit report and some loans that were effecting my score. I have provided them with all the necessary documents as my identity theft report and they still have not removed it from my credit. Its still showing a negative which effects my score tremendously.

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 2021-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
Without warning or justification, HSBC USA froze my account in XXXX XXXX after I deposited a check and after my direct deposit was paid into the account on XXXX XXXX. I was not given notification, and despite alleged claims that their fraud department told verbally that that thee check would be held 5 days that never happened and in reality the hapless overseas employees HSBC uses asa their back office rather than give me a timeline implied that there was no timeline they had to respect. I now see this is the case as 7 weeks from then they are still holding my money illegally and can not tell when I should be receiving it.

According to the regulations from the Federal Reserve bank that governs availability of deposits, as my deposit was a state check from CA not deposited in person the funds should have been made available to me for withdrawal no later than the second business day afterward what an HSBC customer service agreed was the funds availability schedule. and yet I was never given notifications to this day the only written notification I have received about my checks and direct deposit and anything having to do with my account being frozen has been in response to my formal complaint to regulators. HSBC has brazenly been in non-compliance of various regulations that dictate availability of funds for withdrawal, all of which stress that the bank has a duty to do it in a timely manner, and must notify me anytime they deviate from these strict guidelines ( XXXX ; XXXX ; XXXX ; XXXX ), and even taking into account the exceptions in XXXX they must still be made available to me in a timely manner. I do not believe HSBC had 'reasonable cause to doubt collectibility '', even if it had, that was answered when the check was paid. Keeping my funds for 7 weeks after this and not allowing me withdraw my money via ACH transfer violates my rights under regulations Especially since my account was not officially closed for the past 7 weeks. I think HSBC has so violated the spirit of the regulations that I am well within my rights to seek the maximum civil liabilities from them as outlined in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: CLGF Holdco 1, LLC
State: HI

Complaint narrative:
XXXX called me 3 days in a row saying i was approved for a card that i have never applied for i let them know it was not me. On the 3rd day they said they processed it and it was approved i told them the 3rd time while i was at work i never applied for that card. The user had my social and old address from another island. This is still reported on my credit report as a declined card offer 4 months after my complaint with the wrong address on XXXX, and XXXX. Application was on XX/XX/XXXX and XXXX XXXX Second Company Genesis Fs refuses to take my declined credit information off my report saying they did their investigation and the report is correct. They have my SS and they used a incorrect address that i was never at, used my family business number and ran a report when i had already frozen my accounts date XX/XX/XXXX @ XXXX XXXX  PST on line from XXXX to a bank in Missouri. 
I live on XXXX dealing with id theft. Police report number XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I had a account with XXXX  XXXX  which was opened XX/XX/2012 the account was paid off XX/XX/201XXXX XXXX XXXX XXXX XXXX had the account and I have proof. This is a old debt XXXX XXXX XXXX trying to collect on XXXX the originally account balance was only XXXX. This is a old debt Delete

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 2021-07-29 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: TX

Complaint narrative:
I had a account with XXXX XXXX  which was opened XX/XX/2012 the account was paid off XX/XX/2XXXX XXXX XXXXXXXX XXXX XXXX had the account and I have proof. This is a old debt XXXX XXXX XXXX trying to collect on XXXX the originally account balance was only XXXX. This is a old debt Delete

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: Merchants' Credit Guide Company
State: IL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: MI

Complaint narrative:
LexisNexis stole my personal identification information and sold it to other credit reporting agencies without my written consent. Ive tried to opt of and delete all records pursuant to federal law, but they arent complicit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: Risecredit, LLC
State: IL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: ENOVA INTERNATIONAL, INC.
State: IL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-29 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: WI

Complaint narrative:
On XX/XX/XXXX, I submitted a complaint to CFPB regarding XXXX  's inability to provide me ( the consumer ) with the method of verification used to verify an erroneous bankruptcy on my credit report. The complaint was filed because after attempts on XX/XX/XXXX and XX/XX/XXXX, XXXX  failed to provide me any information on how this information was verified or who would've furnished this false information to them. They merely stated it was verified and this has remained on my credit report without explanation. 

On XX/XX/XXXX, XXXX  responded to the XX/XX/XXXX CFPB complaint stating that they would get back to me in 30 days to inform me of how they planned to resolve this issue and/or provide me with their method of verification used. It is now XX/XX/XXXX, past 30 days, and I still have no answer as to how this erroneous information ended up on my credit report. 

At this point, this erroneous and unverified information needs to be deleted from my credit report immediately. 

Refer to CFPB complaint ID : 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 2021-07-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation