vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-24 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: Experian Information Solutions Inc.
State: NH

Complaint narrative:
I sued XXXX and won over 5 years ago in XXXX Nh District Court. In the agreement this information was to be removed from all reports Experian has not done this I have all copies of my suit and agreement this information was to 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 2020-05-24 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: VA

Complaint narrative:
On XX/XX/2020 I was suddenly unable to make any transactions on CashApp, but I could send money to other people. They stated it was due to unusual or suspicious activity. It also says I have insufficient funds, but I have more than enough money in my account. Then on XX/XX/2020 I could no longer send money to anyone. I stated that my card was lost/stolen but now I cant even order a new one. It says my account cant be activated. I attempted to reach out to CashApp on XX/XX/2020 and still havent received a reply. Theyre just holding my money and not giving me any customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Equifax, XXXX  and XXXX  are reporting information that is not mine. On XX/XX/2020 and on XX/XX/2020 I sent them correspondence via certified mail with return signature and they have yet to remove incorrect items that are a result of SEVERAL DATA BREACHES I HAVE BEEN A VICTIM OF. with written proof. This a violation of the FCRA for proof of verification being mailed to me bearing my signature for proof of DEBT FROM THE Following companies. 
1 XXXX XXXX XXXX 2 XXXX XXXX 3 XXXX XXXX 4 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 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:
I have sent in two letters to Experian and I have yet to hear anything back from them. I have included dates on the attachment.

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 2020-05-24 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: EQUIFAX, INC.
State: CO

Complaint narrative:
This complaint is against Equifax. They keep putting fraudulent, illegal remarks on the following accounts. 

1. XXXX/XXXX  2. XXXX/XXXX  3. XXXX/XXXX  4. XXXX 5. XXXX XXXX  On each of these accounts they keep putting a derogatory remark that says CUSTOMER DISAGREES, OR CUSTOMER DISPUTES or REINVESTIGATION IN PROGRESS or INVESTIGATION COMPLETE. ( I am attaching screen shots from my latest credit pull to show proof ) The only statement that should be on each of these is " ACCOUNT CLOSED AT CONSUMERS REQUEST '' All other remarks need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 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: IL

Complaint narrative:
To Who Can Help, I have sent in letters to Equifax regarding items that are wrong on my credit report in the attached documents I have dates showing the negligence of their company. it has been well over 30 days I need answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 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: MI

Complaint narrative:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

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 2020-05-24 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: MI

Complaint narrative:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

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 2020-05-24 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: WI

Complaint narrative:
For the last 2-3 years, I have attempted on numerous occasions to have information on my credit report updated. I have two accounts for XXXX ( Student Loans ) that show incomplete or incorrect information. Specifically that there is only 18 months of the last 5 years sporadically showing and all the others show " No Data Available '' as well as going from " OK '' one month to " 120 days past due '' the next. I've submitted several reports via the online system and each time I get a response saying they have investigated and the updates to my report are " Customer disputes, verified accurate ''. Given the erratic nature of the information listed I have repeatedly asked to have it updated/corrected to either show the full reports from date of creation to current or have them removed for being inaccurate and that has yet to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I forced GM to settle but they failed to honor their end of the agreement. My XXXX  was destroyed about 6 months ago. General Motors requested my GAP insurance and so did I. I had never received my accelerate notice and there was no paperwork submitted by the insurance provider or anyone else. I had called and asked for a settlement and if I could setup payment arrangements. Today was the first day that I was able to speak to someone and that there was an accelerate notice and that they had never updated my address, which is why I never received my paperwork. I was told by a representative that if the insurance did not pay anything, then the GAP would not cover anything and that the paperwork was not turned in within the 90 days of the accident. My correct mailing address was just updated today since I had purchased the vehicle and they have been using the incorrect address. When I contacted collections, I told them that they could not place this on my credit during this time and was told that it would be kept in house and would then be sold to another company and would show on my credit report for 7 years. I would told that they would not settle with me at all. I even asked about my extended warranties and was informed that I would have to go back to the place of purchase. I filed a complaint and the next day GM settled and I paid a few weeks letter in full. 

GM has brought harm to my credit during the pandemic period. This aggression by GM is outrageous. I settled but they still continue to do wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-24 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
EXPERIAN HAS ONCE AGAIN PUT ILLEGAL, FRAUDULENT REMARKS ON MY XXXX  XXXX ACCOUNT. 

THEY HAVE PUT A HARMFUL REMARK THAT SAYS " CONSUMER DISAGREES, DISPUTE RESOLVED '' FOR THE RECORD NO DISPUTE HAS BEEN OPENED RECENTLY REGARDING THIS AND YET THEY VIOLATE THE LAW BY PUTTING FRAUDULENT REMARKS ON MY REPORT TO MAKE ME LOOK BAD. 

THE ONLY REMARK THAT SHOULD BE ON THE 2 XXXX XXXX ACCOUNTS IS " ACCOUNT CLOSED AT CONSUMERS REQUEST '' I AM ASKING THAT THIS BE UPDATED IMMEDIATELY AS THIS KEEPS HAPPENING AND IS WRONG. *****PROOF IS ATTACHED IN THE FORM OF A SCREEN SHOT DIRECTLY FROM MY CREDIT REPORT SHOWING WHAT THEY ARE DOING*****

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 2020-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Sovereign Lending Group, Incorporated
State: CA

Complaint narrative:
Sovereign lending group kept running my credit report vi inquiry multiple times even after I told them I no longer wanted to move forward with them. Hey did this in XXXX ( when I told them Id not move forward ) XXXX and XXXX. They also keep calling me despite me telling them multiple times that I never want to deal with them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 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: VA

Complaint narrative:
I have tried several.times to dispute my XXXX, Transunion and XXXX  credit reports because they have incorrect information on my credit report but I am unable to dispute because when I go to Transunion website, it doesn't allow me to dispute because another active dispute is in process. 

XXXX  does not allow me to dispute the same account because I had dispute it 60 days ago, however information has changed. 

XXXX  does not allow me to dispute. When I attempt to dispute and go on their website and log in, the site gives me a number to call. When I call that number no one answers. I stay on hold for as almost an hour and no one come to the phone. 

My account showing as XXXX XXXX XXXX has been paid in full and it is not reflecting this on all credit reports. I filed a previous complaint with CFPB last week and I received an email that your organization could not send the information to the company or resolve it. Why not, doesnt Consumer Financial Protection Bureau monitor these credit agencies. They are housing incorrect information on my report and th his needs to be fixed asap.

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 2020-05-24 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: AR

Complaint narrative:
XXXX, Experian and XXXX  are reporting information that is not mine. On XX/XX/2020 and on XX/XX/2020 I sent them correspondence via certified mail with return signature and they have yet to remove incorrect items that are a result of SEVERAL DATA BREACHES I HAVE BEEN A VICTIM OF. with written proof. This a violation of the FCRA for proof of verification being mailed to me bearing my signature for proof of DEBT FROM THE Following companies.

1 XXXX XXXX XXXX   2 XXXX XXXX 3 XXXX XXXX 4 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 non-monetary relief
Consumer complaint received 2020-05-24 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:
I have filed a dispute with credit bureaus, spoke with the company and they will not provide me any information why they will not take this off. In addition, they provided information to the credit bureau that they knew was false as they told me I had spoken with them, which I had not. I have tried multiple times addressing this was my previous deceased husband who leased an auto, forged my name and was fraud. The company says they do not have to take my dispute information and that they will not remove from my credit. I have filed police reports, showed erroneous information that they provided to credit bureau and advised the credit reporting places that the information is wrong and provided them documentation.

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 2020-05-24 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: AL

Complaint narrative:
I have contacted Transunion again and they sent me a response to my request to have fraudulent information removed and blocked saying that received a request that contained your information, but it didnt appear to have been communicated by you or a properly authorized third party. We take the privacy and security of your data very seriously, so we wont process requests unless they come directly from you or an authorized third party. If youre working with a third party such as a credit repair company or credit clinic, they have to identify themselves in their communication to us, and provide proof that youve authorized them to communicate with us on your behalf. Its important to know that if you see something on your TransUnion credit report that you believe is inaccurate, you can dispute it easily and securely on your own for free, without paying a fee to any company. Find out more about how to manage the information on your TransUnion report at transunion.com/repair letter. I am asking again to remove these accounts XXXX XXXX XXXX, XXXX, XXXX XXXX & XXXX. There are also inquires that I have requested to be removed as well for XXXX, XXXX  XXXX, XXXX XXXX, XXXX, and XXXX XXXX. If they were so concerned about me and my privacy they would have fixed this the past times I have contacted them. I have not hired anyone to do anything for me and I dont feel I should have to contact them over three times.

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 2020-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I really didn't see choices that fit so I hope this goes to the correct place. Today, XX/XX/XXXX I signed on to Chase.com to pay a mortgage and credit cards. At sign in a screen appears that directs me to read and accept an Electronic agreement and a Digital agreement. If I do not agree I will not be forwarded to and no longer have access to the accounts. Now I know I'm expected to click and continue as 99 % do but I have a little time, stuck at home you know, so I read. The first document is 9 pages long. As expected it is written to completely obfuscate its intent but I kind of get the drift. The second, attached, is a full 49 pages long and written even worse. I am not supposed to understand this unless I spend several hundred dollars with an attorney to decipher it. 
I understand the need to be legally specific but when it deliberately descends into the totally incomprehensible one can only assume that there is little good and much bad for the consumer. This thing was not written for my benefit. 
The proof will be how many actually read it let alone understood. Not good.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Here I am again wasting my time writing you about the same problem that I wrote about last year. I am still forbidden to receiving my annual credit report. I sent these clowns all of my personal information and I still have not received anything. This time I will not send anything they demand of my ID, check stubs, bills, ABSOLUTELY NOTHING. If any of these people catch the Covid-19 virus, I will not send it even if it means there's a cure for it. I can not file anything regarding identity theft unless I pay for it. I AM NOT PAYING FOR ANYTHING. They caused many problems and they demand money for WHAT? 

Disputes are still not cleared up. I will not waste my time talking to anyone. I only deal with problems in writing. I am still wondering why the Federal government is still allowing these companies to operate without any strict regulations or oversite without any friends of any politician to monitor the problems that this agency has created and caused problems for the public. 

I DEMAND FULL COPIES OF MY CREDIT REPORT AND I DEMAND THEM NOW. I DEMAND TO PRINT THEM OUT AND I DEMAND THEM NOW. I WILL NOT TALK TO ANYONE VERBALLY AND I WILL NOT SUBMIT MY PERSONAL DOCUMENTS TO THEM NOW AND NEVER.

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 2020-05-24 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: Experian Information Solutions 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 {$15000.00}, {$0.00}, {$10000.00}, {$2500.00}. 
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 with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

2. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -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