vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I called Equifax and informed them I was unable to access an up to date credit file. When logging on to my equifax the information is from XX/XX/2020 & there are no recent reporting from my creditors. The agent was extremely unhelpful & gave me the fair reporting act script. I explained that XXXX & XXXX had received my recent updates from creditors but equifax seems to have a disconnect. I have sent my ID for verification however, they are still unable to help me. This happened to my husband & we went through 6 tireless weeks to get this resolved with Equifax. After speaking with an agent in the US this was resolved within 20 minutes. However, without being prejudice the foreign customer service agents are clearly inadequate and unable to understand my request. This is absolutely diabolical that they are responsible for managing my credit and personal information & unable to help me when needed. I need to make a mortgage application but my profile can not be accessed. I refuse to give up and will try anything to get this situation resolved. When explaining to the agent creditors can not access my profile all they say is its not locked ... clearly something is wrong because creditors are unable to access my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I've been trying to get access to my credit score from Experian for over 7 months now. I have called them several times and I still can't access my scores. I tried to pull my scores through a 3rd party app for purposes of credit monitoring and when I reached out to the app they advised that there was an issue with the information Experian was reporting. I have reached out to Experian multiple times. One time they said my information was correct and verified, another time they said their was a discrepancy with my personal information but couldn't check it because that department was closed. When I called back the morning to speak with someone in that department they said that my information was accurate and that they would send me a copy of my credit report. The last time I called was XX/XX/XXXX and they told me they couldn't help because their system was down and would give a call back, needless to say I never received a call back. I also use the Experian app and it's showing the last time my report was updated was XX/XX/2019. At this point I don't know what to do to access my report and my scores, I want to be able to purchase a home soon but have no way to find out what my credit score look like for Experian.

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 2021-06-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
On XX/XX/XXXX I purchased my loan with a home buyer program called XXXX XXXX. I was advised how this second lien works and what this meant by the title company and the notary. I signed all my closing documents that included the note and the forgiveness disclosure. I was told I will have a 2nd mortgage for 36months and after that it would be forgiven. All documents have the same loan number and Barcode at the bottom for recording/scanning. The document states that the second will be forgiven after 36months of on time payments. I have complied with making all payments on my first and second on time. I Initiated to start the process to have the second mortgaged released on XX/XX/XXXX. After 7 months of providing documents and having my emails avoided and generic replies the lender replies to a XXXX  complain that says " The Forgiveness clause would have needed to have been written into the loan agreement rather than as a separate unrecorded document that was signed only by you ''. This loan was transferred from XXXX XXXX XXXX DBA XXXX XXXX. To XXXX XXXX  XXXX XXXX. The lender who purchased the loan ( XXXX XXXX  XXXX XXXX ) should be required to honor the contract according to the signed contract and the program being used for the second lien. All my documents were signed at the same time and sent to title for recording. What documents transfer or how they transfer to the new lender would be between the lenders and not the consumers job to make sure the new lender gets the recorded copy of the forgiveness document. As the consumer I am complying with my responsibilities. I have made all 36months payments on time. I have kept all records of this transaction. I have shared my on time payment history with both copies from the lenders and a copy of my credit report. I have the {$50.00} max funds needed for recording once this is prepared. If the lender needs a recorded copy they should reach out to the title company to confirm the closing package or the previous lender they bought the 2nd lien from to verify this was part of the recorded package. This company is avoiding the responsibility of releasing my lien according to the signed agreement because they do not like the format the previous lender used or how the program required this to be documented. This is not a valid reason to avoid honoring a signed contract. This is a formal complain against Shellpoing/Newrez and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: SC

Complaint narrative:
I sent out multiple validation letters asking for prompt response and documentation with my signature, right to collect debt, license to collect debt in order to make an informed decision on whether this debt is mine. Convergent Outsourcing, Inc never provided any of requested info. XXXX didn't do a proper investigation. They basically verified this debt based information in their system. 
Letter sent to Convergent Outsourcing, Inc on XX/XX/2021 and XX/XX/2021. Phone conversation with XXXX representative on XX/XX/2021. XXXX verified a collection without the collection agency validing the debt.

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 2021-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Pursuant to 15 USC 1681a ( 2 ) ( B ) Any authorization or approval of a specific extentension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 1602 ( I ) which states, The term CREDIT CARD means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or service on credit. Notice, Congress said ANY card. The credit card is my social security card. This is the credit card is used to originate every consumer credit transaction below. They should all be removed from my consumer report to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove theses transactions from my credit report immediately as they are a violation of my rights as federally protected consumer under title 15 chapter 41.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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: MD

Complaint narrative:
Equifax are not withholding to the law. According to the FCRA, In thirty ( 30 ) days the credit bureaus have to reply to my disputes letters, which they did not ... So furthermore legally these unverified and unauthorized items must be removed!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
Hyundai is reporting INACCURATE late payments to my credit report from an Auto loan that is now closed and paid. I have disputed these inaccurate late payments with them directly along to XXXX, XXXX, and XXXX and neither company has been able to validated this information correctly and have failed to provide me with transcripts proving these late payments are accurate! They are reporting 17 late payments and that is inaccurate! See attached copy from my credit report showing how they are being reported.

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 2021-06-12 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: IL

Complaint narrative:
XX/XX/2021 at XXXX i order shoes ( XXXX ) from XXXX  XXXX cash app send an notice saying it were aprove then on XX/XX/2021 XXXX 3 days later XXXX at XXXX XXXX  cash app sent another notice saying it was declined. i call and ask as to where my money were cause i knew i had enough to pay for the shoes. cash appp first, denised it, but another cash app say they return the money which i did see, but i look again later on, they had on their own decided to send the money to XXXX i call again and they say nothing i did call XXXX to let them know that i did not ok what cash app did nor have i try to order anything for them today ( XX/XX/2021 XXXX if i call twice coplaint about my money, why would you return it but then you send the money back to XXXX without letter me know

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My consumer rights were violated under 15 usc 1681b ( a ) ( 2 )

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 2021-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX is reporting INACCURATE late payments to my credit report from an Auto loan that is now closed and paid. I have disputed these inaccurate late payments with them directly along to XXXX, XXXX, and Transunion and neither company has been able to validated this information correctly and have failed to provide me with transcripts proving these late payments are accurate! They are reporting 17 late payments and that is inaccurate! See attached copy from my credit report showing how they are being reported.

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 2021-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX is reporting INACCURATE late payments to my credit report from an Auto loan that is now closed and paid. I have disputed these inaccurate late payments with them directly along to Experian, XXXX, and XXXX and neither company has been able to validated this information correctly and have failed to provide me with transcripts proving these late payments are accurate! They are reporting 17 late payments and that is inaccurate! See attached copy from my credit report showing how they are being reported.

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 2021-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Pursuant to 15 USC 1681a ( 2 ) ( B ) Any authorization or approval of a specific extentension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 1602 ( I ) which states, The term CREDIT CARD means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or service on credit. Notice, Congress said ANY card. The credit card is my social security card. This is the credit card is used to originate every consumer credit transaction below. They should all be removed from my consumer report to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove theses transactions from my credit report immediately as they are a violation of my rights as federally protected consumer under title 15 chapter 41.

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 2021-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My consumer rights was violated under 15 USC 1681b ( a ) ( 2 )

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 2021-06-12 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: SC

Complaint narrative:
I've been trying to get help with this account for a while. I was sending letters since XXXX to no avail. This car is listed on my credit report as a repossession and with a balance of {$11000.00} and this is inaccurate. After repossession this car was sold. I've reached out to XXXX XXXX asking them to verify this information and to stop reporting this inaccurate information since the car was sold but I haven't received a response. Equifax said they investigated this account but still, it's reporting inaccurately. I'm not sure what else to do as this information being reported is making my credit suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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: CA

Complaint narrative:
I sent multiple letters to XXXX, transunion, and XXXX regarding an inaccurate account on my credit report by XXXX XXXX and XXXX. Not only is the account not mine but the I allegedly opened the account is not even the same on all three bureaus and the date it was supposedly reported is all different as well. I have no knowledge of this account, no recollection of a contract with XXXX, and to my knowledge the fact that the bureaus are furnishing and reporting inaccurate information is a violation even though I was told not so and a violation of the FDCPA section 807.

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 2021-06-12 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: CA

Complaint narrative:
I sent multiple letters to XXXX, XXXX, and experian regarding an inaccurate account on my credit report by XXXX XXXX and XXXX. Not only is the account not mine but the I allegedly opened the account is not even the same on all three bureaus and the date it was supposedly reported is all different as well. I have no knowledge of this account, no recollection of a contract with XXXX, and to my knowledge the fact that the bureaus are furnishing and reporting inaccurate information is a violation even though I was told not so and a violation of the FDCPA section 807.

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 2021-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experience is not withholding to the law. According to the FCRA, In thirty ( 30 ) days the credit bureaus have to reply to my disputes letters, which they did not ... So furthermore legally these unverified and unauthorized items must be removed!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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: CA

Complaint narrative:
To Whom It May Concern, I recently obtained a copy of my credit report and found incorrect items currently being reported which I am requesting you investigate per my legal rights under the Fair Credit Reporting Act : XXXX XXXX, XXXX. Acct # XXXX Please verify the current balance on account within 30 days of receipt. If this information cant be verified, I demand the deletion of this account. 

XXXX # XXXX Please verify the 30 day late payments on the account within 30 days of receipt. If this information cant be verified, I demand the deletion of this account. 

Enclosed you will find a copy of my driver 's license and social security card.

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 2021-06-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC
State: NM

Complaint narrative:
On XX/XX/2016 someone opened a line of credit in my name with XXXX. The parent financial institution is Jefferson Capital, they are the one holding the dent in my name. I was in XXXX  XXXX  between XXXX through XXXX. The amount of {$540.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I opened a online checking account with citibank at the beginning of 2021 and since then have been dealing with problems from them about new account fraud as so they say but I've sent them all my info ID, SS card, proof of address and they keep saying my info is not validated.ive called hundreds of times and they keep telling me ill receive something in the mail and never receive anything.they told me my account would be closed and a check sent to me within 30 to 60 days and 90 days later still nothing.they told me to get a verified phone number I did that and for some reason they still can't verify my info.they have been holding my government refund since XXXX XXXX need my money citibank should not be allowed to hold my money from me like this.i call them and ask where the nearest branch to me is and I'm told they have no idea.they supposedly work for citibank but can't tell me where the nearest branch is XXXX.it took them 2 1/2 months just to send me my debit card.my online account says I have funds available but when I try to use them I get a error how are my funds available but I can't touch them.please help me get my money back im tired of this nonsense from a XXXX 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 2021-06-12 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: OneMain Finance Corporation
State: FL

Complaint narrative:
It was not told to me directly in writing within the terms that a hard inquiry will be pulled from a financial institution on a pre-qualify offer. I contacted the financial institution to provide me the terms that stated it specifically and they denied the request. I then went to dispute the hard inquiry with XXXX  and they concluded it was to remain on my profile fir the 2 years. This is concerning as it is now negatively affecting me and I am not provided with more information. I will continue to push for more answers and an actual resolution to this, even if it needs to be that I take legal action on both the financial institution and XXXX.

Company response to consumer: Closed with explanation