vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Ive contacted the bank several times and provided many police reports ftc and documents and where told that XXXX XXXX  would close and remove from my credit and mail me my payment credit check for {$5000.00}

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 2022-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Ive contacted the bank several times and provided many police reports ftc and documents and where told that XXXX XXXX  would close and remove from my credit and mail me my payment credit check for {$5000.00}

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 2022-11-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  accounts listed below has violated my civil rights : XXXX ) XXXX Card Date opened : XX/XX/XXXX XXXX ) XXXX XXXX  XXXX Date opened XX/XX/XXXX XXXX ) XXXX XXXX Date Opened : XX/XX/XXXX XXXX ) XXXX XXXX Date Opened : XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681section 602 A. States that I have the right to privacy. 

15 U.S.C 1681section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.

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 2022-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Grain Technology, Inc.
State: AL

Complaint narrative:
Hey Ive been a customer Grain technology for over a year everything was great my account was set up on auto pay payments were made on time every month then one day I got an email about verifying my ID I sent over the proper info but they denied my verification and close my account I still had to pay the remaining balance off money was still deducted out of my bank account up until this XXXX I notice they didnt take the money for the month Ive been trying to login into my account but I cant Ive reached out to customer service and never get a response Ive reach out the phone and email and cant get any help they reported a 30day late payment on my credit report I have no problem paying them but I cant pay them because they have disconnected my auto pay without letting me know and I cant reach out to anyone this is unfair

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
On XXXXmy Citibank Account was closed XXXX I was told a check would be issued approximately 10-15 business days afterwards. The check is well over XXXX and the bank doesnt seem to know what going on or can tell me where my check is. I am back up in bills and pending eviction from when they ended their relationship with me on XX/XX/2022. Here we are XX/XX/2022 and I still do not have my funds and Citibank is refusing to give me any answer please help me

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 2022-11-28 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: MI

Complaint narrative:
On XX/XX/2022 I submitted a written letter to the following XXXX XXXX XXXX XXXX asking them to stop reporting the Bankruptcy listed on my credit report. 
I received a letter from US District Court that stated they do not release any information related to my bankruptcy. 
I then requested that Transunion, XXXX, and XXXX reframe from listing the information on my credit report. No response and they failed to remove it. 
On XX/XX/2022 I submitted a CFPB complaint requesting that this be removed and no response please remove the listed the bankruptcy on my credit report.

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 2022-11-28 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/2022 I submitted a written letter to the following XXXX XXXX XXXX XXXX asking them to stop reporting the Bankruptcy listed on my credit report. 
I received a letter from XXXX XXXX XXXX  that stated they do not release any information related to my XXXX 
I then requested that XXXX, XXXX, and Experian reframe from listing the information on my credit report. No response and they failed to remove it. 
On XX/XX/2022 I submitted a CFPB complaint requesting that this be removed and no response please remove the listed the XXXX  on my credit report.

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 2022-11-28 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: GA

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
When I went into Wells Fargo Bank to cash a {$340.00} check, I made a payment on my Wells Fargo credit card inside the bank. 

While this transaction was being made, the young lady was running her mouth, while handing my funds. 

This is not my first time making payments on my credit card in this bank. 

When checking my credit card two weeks later, that's when I notice my payment wasn't applied to 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 monetary relief
Consumer complaint received 2022-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have new information and a new police report foXXXX XXXX XXXX with the account listed and the false amount owed. Also Experian is still reporting XXXX XXXX XXXX which is removed and also they are reporting a account for XXXX XXXX which is a collection account for XXXX XXXX which was removed in the past for id theft and also Experian is still reporting XXXX XXXX XXXX which was removed already by XXXX but Experian is still reporting and XXXX XXXX as late but it has a XXXX balance and was credited the amount so therefore its no way it could be late XXXX XXXX account was not updated to paid in full as the account was credited so it should not show as late

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 2022-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I was never been late on these accounts. I always pay my debt on time. I believe this is a mistake reporting. Please check on the following account and update the error on the report.

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 2022-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On the XXXX of XX/XX/2020, I tried making a transfer from my chase checking account and I was not able to and was told to visit a chase bank branch to complete my transfer. 
I went to a branch the XXXX of XX/XX/2020 and met with a bank manager, He further went to tell me to notify my family members who sent money to my chase account to walk into a chase branch with XXXX forms of ID and verify the transactions and have the bank branch give him a phone call... 
I was able to get my family member to do this but when they got it done they were informed that my chase account is no longer active .... 
My account had been closed on the XXXX of XXXX, I reached out to the bank again and asked why my account was closed and they didn't give me a solid reason, they only just told me they will mail me a check of the funds I have in my account within 90 days ... I had a total of {$10000.00} in my account and was furious because the funds were mean to take care of my medical bills and my child 's college bill, I waited and waited and waited and up till this very day I never got my check or my funds in my account..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I currently owe less than {$77000.00} on my primary residence of over 6 years. My XXXX is less than XXXX XXXX. The original purchase price was {$99000.00}. By law my PMI should have been removed. I've already requested removal of PMI by mail and was denied. My payments are up to date in good standing, with additional payments to principal made monthly. Truist has violated the XXXX by refusing to remove PMI even after a written request.

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 2022-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I need for you to send me the signed documents that has my signature that I had these accounts. And I need proof from these companies because you are violating me as a consumer. You as a Credit Bureau must show me proof from these companies that you said was verified and will remain on my account. If you can not furnish this information within 15 days you must remove all collections and closed accounts ASAP XXXX XXXX XXXX XXXX {$480.00} XXXX. XXXX {$300.00}

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 2022-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XX/XX/2021, I received a charge off on an account that had fraudulent activity. I tried negotiating with the creditors to get it removed from my Experian and XXXX report by paying because only XXXX removed it due to the fraudulent activity. The creditors said that they will not remove it even when paying it off and with the fraudulent activity on the account ; They will keep reporting it as a charge off. I tried to tell this information to both XXXX and Experian yet they keep updating the information instead of removing the delinquency. The creditors are asking me to pay off the fraudulent account but they wont remove it from my report.

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 2022-11-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: VA

Complaint narrative:
It appears my student loans have switched to different loan servicing companies over the past two years ( Fed Loan, XXXX XXXX, and XXXX ). During that time, it seems that the record of the monthly payments I have made has been lost and or is not being reported correctly. I have been diligent with my payments during this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
hi there my name is XXXX XXXX XXXX my loan company " community loan services '' has transferred my loan back on XXXX to another loan company " Mr. Cooper loan servicing and now being serviced by their parent company " right path loan servicing company " which are both under NATIONSTAR MORTGAGE. 
Right before being transferred from community loan servicing I have chose the option of COVID-19 Payment Deferral on their platform.

Right path have declined the payment deferral and since then my loan is not current I have called them every two week for the past 5 month trying to have my deferral approved and bringing my loan current. I have been able to set future payments to keep my forbearance under 18 month.

I have come to a point now where I feel right path NATIONSTAR MORTGAGE are giving me a run around now that they reported on my credit file I'm over 180 days late on payments which dropped my credit score from XXXX to XXXX and I fill my rights are being violated since I'm still under the protection of the COVID-19 forbearance- please help me. 
I have all the phone conversations recorded for the past 5 month but can't upload them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have attached an FTC report with an account and inquiries I did not authorize and need to have them deleted, Please also update my personal information which is wrong

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 2022-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX had falsely put a balance on my credit in which I reached out to them and they did remove the balance and sent me an email proving it. I go to XXXX XXXX to dispute it also uploading a photo for proof but you guys are saying that the information is accurate. So its clear that someone didnt do they job and follow up.

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 2022-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am trying to obtain ELECTRICITY with XXXX XXXXXXXX and I was told Equifax had no information on my file. I've sent updated information as far back as a few months ago and I faxed over information on XX/XX/2022. Called back and was told I was fine, blocks were removed. Called XXXX XXXX  to get my utilities on and was told blocks are still in place. Called back to Equifax only to be told I needed to resubmit and they have XXXX business days. I don't have five days and I'll literally be in the dark because they're reporting me as unidentified. Although I can verify myself to speak with them but no one knows how to expedite a process that I didn't trigger or cause AFTER I've tried fixing it with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have been disputing information on my credit reports with all 3 bureaus and between the 3 of them none of my information is accurate. I just was declined for an apartment and I received my report. Equifax is still showing inaccurate information on my credit report as well as XXXX. My scores are all different between the 3 and this is frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I was never been late on these accounts. I always pay my debt on time. I believe this is a mistake reporting. Please check on the following account and update the error on the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have attached an FTC report with inquiries and an account I did not authorize and need to have them deleted

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 2022-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax violated my consumer rights pursuant to federal law and georgia state law for Defamation Of Character. I have tried reaching out, calling, and still no response. They still have yet to Remove All unverified and unauthorized information.

Company response to consumer: Closed with explanation