vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-28 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the 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 explanation
Consumer complaint received 2020-12-28 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the 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 explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: College Foundation, Inc.
State: NC

Complaint narrative:
I am so amazed at how CFI allowed my credit to take a hit when they now we are impacted by COVID. I have never had a late marker on my student loans and now after building my credit up for all of this time these XXXX  loans have killed my credit. They reported 14 different loans each time but I only make one payment and that is not fair at all. I am impacted by COVID I had a XXXX XXXX XXXX this year why in the world would you people kick someone who is down. Look at my history I never had this happen I am always communicating with you all. This is not right man why now? Yoyo all have to know we are struggling. You cant even treat us like humans. Thats insane to me. They didnt call me or anything just dinged my credit after 60 days I thought we were protected but CFI is one of the only ones who likes to harm their consumers while they know the world is hurting man this really crushes me. Image worked so hard to maintain my bills how could you all do this to me. I never allow this to happen if I had known.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$500.00}, {$4700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$500.00} -This is not my account. 

2. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account.

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 2020-12-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Since XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and XXXX XXXX THIS ISSUE HAS BEEN GOING ON. 
On XX/XX/XXXX Equifax received my certified mail with evidence of address, Unexpired GOVT ID and SSN Card by certified mail ending XXXX On XX/XX/XXXX, Equifax confirms receipt of all my documents to support my legal identity and update access to my online login. They are now applying stalling tactics despite all documents confirmed receipt and accepted. Equifax did not act on conducting a reinvestigation on all the accounts I challenged but now saying they have no documents to support my identity by stalling so I am seeking your help for them to stop playing around as I need to get my REPORT FIXED BECAUSE OF all the inaccurate DATE OF LAST ACTIVITY reporting of student loans, ILLEGAL INQUIRIES and VARIATION OF INVALID addressES. This is truly causing mE PERSONAL FINANCIAL ISSUES OF GETTING LOANS DUE TO ALL THE ERRORS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Employers XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX remove wrong employers Also known as - Generational identifier - Year of birth XX/XX/XXXXAddresses XXXX XXXX, TXXXXX XXXX XXXX XXXX XXXX, TXXXXX wrong address

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 2020-12-28 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX remove wrong employers Also known as - Generational identifier - Year of birth XX/XX/XXXXAddresses XXXX XXXX, TXXXXX XXXX XXXX XXXX XXXX, TXXXXX wrong address

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 2020-12-28 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian has accused me of using a third party credit repair agency. Additionally there is NO law that states a consumer can not use a third party, so Experian using that as an excuse is irrelevant.

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 2020-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
XXXX  has charged one of my Citi credit card several times for a recurring service that I did NOT solicit or enter an agreement for such purported service. When one attempts to secure their FREE credit report from the FTC.gov website : XXXX, XXXX is the only bureau of the major 3 bureaus that forces you to go to their website, and create an account in order to obtain your FREE credit report. I don't need a report anymore than annually as each credit card lender - with which I utilize to finance or age my accounts payable - offer me a view of my credit score, free of charge. In addition, it should be noted that I am not in need of any credit repair and/or monitoring, as a trained financial advisor, and my credit score has consistently floated between XXXX and XXXX since establishing credit 2005. Thus, I have never needed such a service, and would've never signed up for such. As this issue of ad hoc charges were brought to my attention this summer in the form of billing statements, I recognized that I lost my credit card in travel, and reported it stolen. After I disputed this asinine malarkey, prior to reporting the credit card was lost, Citi, at some point presented me with a response from XXXX  that displayed documents that weren't legible, and a sample transaction, but no actual transaction from XXXX or an electronic signature. In addition, they held out a document that displays my credit card and personal information, which of course they could have obtained from my credit report or EVEN CITIBANK to try to substantiate their claim. Citi has NOT been user friendly or working on my behalf in this matter. In fact, they have made this dispute very time consuming and often apprehensive, because I pride myself on credit reputation, especially as it unfortunately has been made legal to review in determining one 's employability. This experience seems to be that of collusion, because I never gave XXXX  my personal information, and it seems that Citi refuses to stop their attempts to bill me. In addition, I attempted to try to login into XXXX 's website, and the website stated that I did not have an account. I provided this to Citi via an email address that they provided, but they have not responded. Each have demonstrated to be wrong and unscrupulous, and I think this is some form of attrition so that Citi can create a reason to reduce my credit line or deny me a credit 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 2020-12-28 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am working on my credit file, and was able to print out XXXX XXXX & XXXX  with NO problems However, Equifax, has blocked me from my free credit report many times, which prevents me from correcting errors on their report .I do NOT think this is by accident - they have ALWAYS been the worst agency of the 3 to correct errors, and do not want to correct anything! 

I want my free credit report - per law regards XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have contacted All three credit bureaus regarding miss information on my credit report someone has tampered into my credit report and change my information including my name my last name date of birth address is in Social Security numbers. Having a copy of my credit report from four years ago and none of this information was on my credit report this is been recently done and I believe I know who is involved. I have put a freeze on my credit report and it seems to be unlocked several times and I have locked it again. Someone is repeatedly putting several addresses changing the names the numbers on my credit report and Ive asked a credit with bureau by certified mail to change my information to the correct information including my name date of birth social security number and phone numbers including my address. This is fraud and unacceptable

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 2020-12-28 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: NC

Complaint narrative:
I have contacted All three credit bureaus regarding miss information on my credit report someone has tampered into my credit report and change my information including my name my last name date of birth address is in Social Security numbers. Having a copy of my credit report from four years ago and none of this information was on my credit report this is been recently done and I believe I know who is involved. I have put a freeze on my credit report and it seems to be unlocked several times and I have locked it again. Someone is repeatedly putting several addresses changing the names the numbers on my credit report and Ive asked a credit with bureau by certified mail to change my information to the correct information including my name date of birth social security number and phone numbers including my address. This is fraud and unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
This debt should be remove from my credit report because i don't owe this debt any more

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft

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 2020-12-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
I have no clue where this debt came from this debt is not mines i need this debt remove as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have a couple of accounts being reported on Equifax that I have already asked to verify on multiple occasions because they are not reporting complete account information. 
There is no Collection Company Name Original Creditor Name No Contact Information So how are these accounts even validated? 
I have sent in a I have asked according to my right within the FDCPA Laws for a debt validation and still have not received anything. I am disputing these accounts and because the information being reported is incorrect and insufficient these accounts should be removed from my report immediately! These derogatory accounts are hurting my creditworthiness. 

Account XXXX Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian has charged one of my XXXX credit card several times for a recurring service that I did NOT solicit or enter an agreement for such purported service. When one attempts to secure their FREE credit report from the FTC.gov website : XXXX, Experian is the only bureau of the major 3 bureaus that forces you to go to their website, and create an account in order to obtain your FREE credit report. I don't need a report anymore than annually as each credit card lender - with which I utilize to finance or age my accounts payable - offer me a view of my credit score, free of charge. In addition, it should be noted that I am not in need of any credit repair and/or monitoring, as a trained financial advisor, and my credit score has consistently floated between XXXX and XXXX since establishing credit 2005. Thus, I have never needed such a service, and would've never signed up for such. As this issue of ad hoc charges were brought to my attention this summer in the form of billing statements, I recognized that I lost my credit card in travel, and reported it stolen. After I disputed this asinine malarkey, prior to reporting the credit card was lost, XXXX, at some point presented me with a response from Experian that displayed documents that weren't legible, and a sample transaction, but no actual transaction from XXXX or an electronic signature. In addition, they held out a document that displays my credit card and personal information, which of course they could have obtained from my credit report or EVEN XXXX to try to substantiate their claim. XXXX has NOT been user friendly or working on my behalf in this matter. In fact, they have made this dispute very time consuming and often apprehensive, because I pride myself on credit reputation, especially as it unfortunately has been made legal to review in determining one 's employability. This experience seems to be that of collusion, because I never gave Experian my personal information, and it seems that XXXX refuses to stop their attempts to bill me. In addition, I attempted to try to login into Experian 's website, and the website stated that I did not have an account. I provided this to XXXX via an email address that they provided, but they have not responded. Each have demonstrated to be wrong and unscrupulous, and I think this is some form of attrition so that XXXX can create a reason to reduce my credit line or deny me a credit 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 2020-12-28 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: NY

Complaint narrative:
XX/XX/2020 I made a purchase for {$520.00} on my Citi double cash card. The item I received from the purchase was faulty/incorrect so I sent it back ( within the company 's ) return policy. The company never refused me so I made a chargeback dispute on my credit card. Citi gave me an initial credit, but then decided in the end that I shouldn't get my credit and reversed it. I don't know how they could side with the merchant in my dispute. It was very obvious I had returned my item and hadn't gotten a refund. I had tracking that proved I returned my item. Citi didn't side with me in my chargeback and now I'm out {$520.00}.

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