vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
on XX/XX/XXXXI sent a letter regarding inaccurate and unknown things 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 of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days 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 XXXX data breach and may have got into the hands of the wrong person.

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 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
on XX/XX/XXXX I sent a letter regarding inaccurate and unknown things 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 of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days 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 data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Netspend Corporation
State: CA

Complaint narrative:
I have a prepaid card from Transact ( NetSpend ) and have used them for about 10 years without a problem. On XX/XX/2022 I went to access my account and was told my account was locked and that I would have to submit a bunch of documents to prove my identity which I have done. They emailed me saying my documentation wasn't good enough and that I would have to send more. When I access my account thru my phone I use my fingerprint scanner and asked them why that wasn't good enough. I mean how can they really verify who I am by me sending documents when the have never met me were as somebody would have to have taken my finger to do a fingerprint scan. They just kept asking for more documentation like my school records. I'm a XXXX XXXX XXXX XXXX XXXX Veteran that gets {$1100.00} a month from XXXX, I don't have my school records, I don't get unemployment, I live at a place that is all inclusive so I don't get utility bills, I don't have a passport, I do n't drive, I don't have a mortgage statement etc... I have sent them copies of my CA ID card, SS Card, 2022 XXXX from XXXX, XXXX  increase from XXXX for the year of 2022, pictures of myself even a background check I recently received from the nonprofit that helps with my housing. Everyday from XX/XX/XXXX to today XX/XX/2022 I have sent them more documentation and they tell me it's not good enough. That they are doing what is required for the Bank Secrecy Act. I get {$1100.00} a month, I live in XXXX XXXX, I barely scrape by how the XXXX would I be doing money laundering. As an XXXX Vet I am sure as XXXX not a terriast. If I can't get my account opened soon I am going to be on the street. I just don't understand what is going on. Even worse they are taunting me in their emails. And they send all the emails to my email address along with calling me by my name. If they didn't think it was me why would they do this? I am at a loss, I have another XXXX check coming in, and I talked to XXXX and they said it was too late to stop it and have a new apartment I am moving into but it's a XXXX  and I need to give them 6 months of bank statements to prove my income and I can't do that without access to my account and I have told them all this and all they do is ask for more documentation. At my wits end!

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 2022-01-26 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: TX

Complaint narrative:
I have sent several packages certified mail with the following documentation requesting my credit reporting statutes be enforced. 

My credit report I received from your company. The fraudulent items are circled. 
A copy of my Police Report Identity and FTC Affidavit. Proof of my identity and utility bill.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within 4 business days. 

Equifax refuses to block fraudulent items from my credit report. My credit reporting statutes must be enforced if sufficient information is provided under FCRA605b. Also, code 15 USC 1692g states no one can verify an alleged debt but the original creditor which is me ( XXXX XXXX XXXX ). There is also a medical collection on my credit report. or them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Implied consent was never given on my behalf. Therefore, my request is twofold validation of debt and HIPAA authorization. I have asked Equifax to validate the debt and received no response. 
I have attached proof the items were delivered successfully, and XXXX just refuses to support my credit reporting statutes. 

Equifax refusing to remove this information immediately is a violation of the following : Per public law 104-191 Sec 1177 this is a violation per 15 USC 1692e ( 2 ) ( A ) ( iii ), 15 USC 1694f ( 8 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681 ( a ) ( 2 ) ( A ) ( iii ), 15 USC1692 ( k ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have disputed and requested Experian to remove & delete accounts that do not belong to me. I have not received a debt of validation and their method of verification on the questioned account is listed below. 

- XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: NY

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed 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 2022-01-26 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: NY

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: NY

Complaint narrative:
This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. You failed to do so, REMOVE IMMEDIATELY. 

XXXX XXXX XXXX XXXX Date opened XX/XX/2019 Balance {$47000.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. You failed to do so, REMOVE IMMEDIATELY. 

XXXX XXXX XXXX XXXX Date opened XX/XX/2019 Balance {$47000.00} ;

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 2022-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
The following ( XXXX, XXXX, XXXX ) credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The CRA has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw these accounts from my personal file. 
( XXXXXXXX XXXX  XXXX XXXX Date opened XX/XX/2016 Balance {$6400.00} ).

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 2022-01-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
The following ( XXXX, XXXX, XXXX ) credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The CRA has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw these accounts from my personal file. ( CAPITAL ONE BANK USA XXXX XXXX Date opened XX/XX/2009 Balance {$1100.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: CITIBANK, N.A.
State: NY

Complaint narrative:
The following ( XXXX, XXXX, XXXX ) credit reporting agency ( XXXX ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the XXXX Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the XXXX, which requires all reporting to be XXXX XXXX accurate. If the information is NOT XXXX XXXX accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The XXXX has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw these accounts from my personal file. ( XXXX  XXXX Date opened XX/XX/2012 XXXX {$1800.00} ).

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 2022-01-26 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have attempted to dispute Names, Addresses, & Employment on my credit report. They have refused to delete/remove incorrect information on my credit report. via letter & phone call.

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 2022-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Finance Company, Inc.
State: TX

Complaint narrative:
I noticed on our credit report that a debt collection company reported four unpaid debts on XX/XX/XXXX. 
We had no idea what the debt was for and so called the debt collection company. We asked several times for them to send a paper bill to see what the charges were for but were denied.She said they only send one notice, which she said was sent in XX/XX/XXXX. We never received that notice. 
We asked several times on the phone what company the debt was for and she finally told us it was for a medical facility for x-rays. 
The debt collection company divided the bill into four charges of {$51.00} each, which meant four flags on our credit report. 
The company is : Professional Finance Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: NY

Complaint narrative:
The following ( Equifax, XXXX, XXXX ) credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The CRA has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw these accounts from my personal file. ( XXXX XXXX Date opened XX/XX/2012 XXXX {$1800.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The following ( XXXX, XXXX, TransUnion ) credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the FDICs XXXX XXXX XXXX XXXX XXXX and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The CRA has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw these accounts from my personal file. ( XXXX XXXX Date opened XX/XX/2012 XXXX {$1800.00} ).

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 2022-01-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The following ( XXXX, Experian, XXXX ) credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the XXXX XXXX XXXX XXXX XXXX XXXX and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The CRA has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw these accounts from my personal file. ( XXXX XXXX Date opened XX/XX/2012 XXXX {$1800.00} ).

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 2022-01-26 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have sent numerous letters to dispute a list of collections on my Credit Report that does not belong to me. I have send in letter via Certified Mail & called the call center a number of times. accounts are listed below XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: IL

Complaint narrative:
In XX/XX/2021 I made a purchase from a company called XXXX. If you check their XXXX page you will see XXXX complaints and no positive ratings. They are a criminal enterprise. I did not know this at the time. They simply take consumers money and do not deliver the goods. 

After XXXX weeks of nondelivery I asked XXXX for a refund. At the same time I asked my bank, Cash App, for a chargeback. XXXX agreed to a refund ( this was a stalling tactic ). A week later XXXX shipped something by XXXX. Delivery was never attempted and the package returned to the merchant. So the merchant has my money and the package. 

Several months later Cash App responds to my chargeback request and asks for all documentation. I give them all of it. They refuse a chargeback as the item was delivered back to the merchant. I can't get them to see sense ( I have been ripped off ), so I contact one of their management directly who escalates the issue for me. This does not resolve the issue, and then Cash App terminate my account for contacting the manager outside of their online support system. 

Cash App now have the balance of my account and will only release it into a bank account. I do not have a bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
XXXX built home. 
XXXX Applied for heloc Divorced ~ XXXX ex husband ordered to pay Heloc and judge removed me from responsibility. 
XXXX ex husband committed suicide. Probate lawyer hired. Probate lawyer admitted failure to see heloc balance and it was not paid XXXX life insurance policy ) I was not aware of this debt nor was his heirs. We leaned if it when my home went to Forclosure. 
XXXX Specialized Loan Services sends agent to photograph my home. I advice I do not have a mortgage. I call XXXX number for info. I advice ex spouse is deceased. They refused to discuss why they were photographing my house. I send death certificate, still will not tell me anything or give me payment info. I sent certified documents. Probate info. Signed documents from executor of estate allowing me to discuss debt. They still do not allow me to have info. 
XXXX I got served with foreclosure. 
I was under the impression the heloc was closed at time of divorce. I do not feel my house should have went to foreclosure. Please help me save my home.

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