vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: The Bureaus, Inc.
State: FL

Complaint narrative:
My information was furnished and used on XX/XX/XXXX without my consent for a XXXX XXXX XXXX credit card. It was a {$350.00} credit limit and immediately maxed. Some payments were made on the card but it was eventually defaulted. The Bureaus claim date of first delinquency was XX/XX/XXXX but last payment prior acquisition was XX/XX/XXXX. Why would an account be turned over for collection before it was ever delinquent? I incurred damage to my credit standing, declined auto loans, credit cards and other services that I probably would have been granted without this inaccurate information. This account was sold to The Bureaus and I have been in contact with them. I have demanded the original, written and or recorded contract/application, copies of my ID/SS card or number and all other relevant information to prove that it was me that opened the account. They did not provide anything except the payment history and other irrelevant documents, but nothing proving ownership. I have disputed this XXXX XXXX XXXX XXXX through no avail. They always XXXX reply saying the information has been verified. I know this is inaccurate being my XXXX, XXXX, XXXX and XXXX accounts are frozen ; therefore, they continue to be dishonest while causing a consumer financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  FI XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and XXXX XXXX XXXX immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AXOS FINANCIAL, INC.
State: VA

Complaint narrative:
My mortgage company Axos Bank ( XXXX XXXX XXXX XXXX  is not providing monthly statements, as of right now, their website only shows statements up to XXXX 2021, and today is XXXX, 2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have been trying to get in contact with XXXX funding for several months with no success. When I finally reached out to them, they informed via email that my debt had been sold to another debt collection agency. The original creditor was a credit card company. I tried getting in contact with the new creditor but have had no success. Out of the blue, I received notification that XXXX had filed a lawsuit against me, but never notified me nor tried to warn me of such a suit. A county deputy came to my mother 's house and provided my mother with the case number. I had to hire an attorney to represent me, causing me to spend money I did not have. I have depleted my savings because of this. I still have not been properly served, yet, the collections is still on my credit report, including the original creditor even though it's been sold twice now. The amount of the debt is {$740.00}. The credit bureaus have refused to delete this off my credit and XXXX has refused to send me any written notices nor respond to my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX {$51.00} XXXX  XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX Balance : $ {$650.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
XXXX XXXX XXXX XXXX refuse to put correct credit history on my Trans Union credit report. My credit history is 5 years and 3 months but Trans Union only sending in 9 months. That is incorrect information.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 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: IA

Complaint narrative:
In XXXX Trans Union Removed XXXX XXXX from my credit score and will not give me an explanation why. XXXX Trans Union removed XXXX XXXX  from my credit score and will not give me an explanation why. This happens regular with Trans Union.

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 2021-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: MoneyLion Inc.
State: MI

Complaint narrative:
I received emails from a company called " Moneylion ''. And they state that I have a new debit/pre pay card opened in my name and that I'll be receiving a physical card in the mail. I did not sign up for any such account and this appears to be a miss use of personal information for fraud purposes to try and collect fee 's from the unsuspecting account holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/2021, my credit card has been closed due to inactivity. I called my provider on XX/XX/2021 requesting to reactivate my card. They said, No we can't. However, the credit card agreement does not mention anything about reactivation not being allowed. I had this card for almost 4 years and Oldnavy Synchrony does not help on resolving the issue.

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 2021-11-28 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: DISCOVER BANK
State: GA

Complaint narrative:
I have asked for help several times regarding the Discover Credit Card debt and the credit card company and all three credit bureaus are reporting this {$220.00} as a bad debt. I tried to convert a XXXX XXXX to XXXX XXXX in 2018, however, upon federal court date the judge indicated I did not qualify to convert and had not satisfied the allotted time, therefore debts are valid. Discover is still reporting XXXX, although it was a secured card, I did not receive my {$200.00} deposit. I was told it was applied to debt and I still owed {$24.00} and I paid it in order to report as PAID IN FULL ON MY CREDIT. Please help Im trying to purchase my first home in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I filed three disputes with Citibank on three credit card transactions after a foreign airline cancelled my flight but wouldn't refund all of my charges. Citibank said I lost the dispute because I didn't respond quickly enough to messages they placed in their online " dispute center ''. However, they never notified me that I had messages and need to go to their website to view them. Additionally, even after the merchant said they tried to refund me but that Citi rejected the refund Citi refused to help me. Citi tells me to go to the merchant, but the merchant says the problem is with Citi. Citi does not acknowledge receipt of emails, does not communicate when there are new messages and closes disputes in favor of the merchant without making any attempt to protect the customer.

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 2021-11-28 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: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I used a platform called XXXX XXXX XXXX to help settle my account with LVNV Funding LLC. Instead of sending a counteroffer, the company used their law firm, XXXX XXXX XXXX, to sue me for the money owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 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: Stenger & Stenger, P.C
State: TN

Complaint narrative:
I used a platform called XXXX XXXX XXXX to help settle my account with XXXX XXXX XXXX. Instead of sending a counteroffer, the company used their law firm, Stenger & Stenger, to sue me for the money owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 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: LendUp Loans LLC
State: TN

Complaint narrative:
Removed account from XXXX and XXXX but refused to remove it from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 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: TN

Complaint narrative:
Capital One keeps updating the balance on my PAID charge-offs.. This is really hurting my score and would like Capital One to delete the paid charge offs from my report completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I have attempted numerous times clearing up a debt on my credit report that is not mine. XXXX cable opened an account in my name that I never authorized. I also never lived at the address they opened the cable account in. They can see my address history on my credit report and the address on their account I never lived at. They keep sending me a paper asking for police reports and massive amounts of personal information. It is their responsibility to prove the account is valid not mine. I have no collections on my credit besides this fraudulent account. XXXX cable removed the account for many months then all of a sudden they have now sold the account to convergent outsourcing and they began reporting an account starting XX/XX/2021. They are again trying to collect on a fraudulent account. They are also attempting to start reporting on me again from 2021. This account I have been fighting for years!! It was not opened in 2021. I want this account removed! I am attaching a screenshot showing that XXXX cable is attempting to report on my credit again and I have disputed it.

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 2021-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX Balance : {$300.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$580.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
In general Subject to subsection, any consumer reporting agency may furnish a consumer report under following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

As a consumer by law these accounts on this letter must be deleted immediately or i will seek remedy in the form of monetary damages in small claims court in my city and state. Also we already involved and sent to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commision. Wells fargo In general Subject to subsection, any consumer reporting agency may furnish a consumer report under following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

As a consumer by law these accounts on this letter must be deleted immediately or i will seek remedy in the form of monetary damages in small claims court in my city and state. Also we already involved and sent to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commision.

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 2021-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX EMP

Company response to consumer: Closed with explanation