vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Dear Sir or Madame, I am writing to file a formal complaint against TransUnion. I have attempted to contact them on several occasions regarding their inaccurate reporting of my information with XXXX XXXX XXXX. I have requested that they investigate each claim for accuracy and have not been resolved. The inaccuracies and derogatory mark placed on my file has caused my inability to obtain credit with much stress and anxiety as well as damaging to my credit. 
I am asking for you to intervene for a fair judgment based on the Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807 ) and Violation of the Fair Credit Reporting Act ( including but not limited to Section 623. ) and have any inaccuracies removed from my credit report. 

Please find below in bullet of items found on my report that is missing or inaccurate. 

Incomplete or missing account number ( XXXX ) A charge off account in the amount of {$1100.00} Incorrect high balance of {$1700.00} Late Payments

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 2018-10-31 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The three credit bureaus have frozen or blocked my XXXX XXXX XXXX from getting my personal information to process a personal loan. Ive never frozen my information from the 3 Credit Bureaus so I would like it unfrozen. Also I have an issue with XXXX XXXX XXXX which I believe has blocked me in some way for as they say not sending them a letter canceling my Auto insurance in XX/XX/2017. I phoned XXXX and gave them my new policy number back in XX/XX/2017 and they didnt acknowledge my cancellation told me I needed to send in writing, I didnt therefore I believe this is the problem behind everything at the Credit Bureaus. Please help me resolve this issue ASAP! It would be appreciated beyond belief.

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 2018-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
on XX/XX/2018 I tried to go on line to make a house payment, I could not get through, as usual. I called Wells Fargo to get help. The Women said I can take your payment so I gave her check # XXXX for the amount of {$1500.00} for Bank Acct. XXXX XXXX Routing # XXXX Acct # XXXX for my Mortgage # XXXX. She gave me a Conformation # XXXX, and said wait a minute, ok it went through. So I got a payment coupon stating my next payment for XX/XX/2018 would be {$1500.00}. So I did not get a courtesy call or letter, but on XX/XX/2018 I get an other payment Coupon for XX/XX/2018 stating I owe for XXXX and XXXX?? I called and was told the payment never went through because they got the wrong Bank Acct number, which they already have on file. I paid again and then said you better not charge me for a late payment this was not my fault. I was told well it has to be investigated and they will let me know. Second payment for XXXX Ck # XXXX for XXXX conf. # XXXX. I just placed an other complaint against Wells Fargo because mid summer I was behind in payments and they sent a letter to my rental and the tenants opened it and went crazy calling me a thief and that the house was being foreclosed on them and I didn't tell them and they don't have the money to move. I called Wells Fargo and said why did I not get that letter at my house? They keep saying we mailed it to you, but I never got it mailed here, I had to ask for that letter to be faxed to me. At that time I was making 2 payments a month until I was caught up on payments. And now this. I am sick of Wells Fargo and I don't trust them, I want my mortgage sold to someone eles.

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 2018-10-31 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: KY

Complaint narrative:
A credit decision was made based upon three false factors : 1 ) Lack of recent installment accounts. In fact, four of the eight accounts cited have been inactive for many years : XXXX : # XXXX ; XXXX  XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX The remaining accounts are all associated with XXXX XXXX with whom I have a banking relationship. There are cards associated with that relationship of which 4 are listed. 

# XXXX # XXXX # XXXX # XXXX The assertion of a " too many accounts with balances '' is false. 
The length of time associated with revolving accounts is false as indicated by payment history. 
The failure of the credit reporting agency to identify " recent information on installment accounts '' may be true : but this is not my problem. 

The outline of my employment history misses several key elements. A clear read of the report suggests that my last employer was the State of Illinois in XX/XX/2007. Again, a falsehood. 

I ask that the " key factors which adversely affected my credit score '' be remediated, as soon as possible. And I thank the XXXX XXXX XXXX inquiry for bringing this matter to my attention. 

A XXXX credit score is nice. But I am well aware that the terms and conditions of this new card -- -my first in some time -- -are less generous than would be the case had an accurate credit report been given. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My identity was stolen around XXXX 2018. I contacted the banks fraud department to inform them I did not open a credit card with them. I have contacted several other banks to inform them I never opened accounts and cards with them. They all removed the accounts from my credit report. However, Capital One Bank has not removed the account from my credit. I contacted Capital One in XX/XX/2018 and they have not removed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
a bankruptcy is reporting under my name on transunion credit reporting agency, this bankruptcy is inaccurately reporting since it was filed with out my knowledge and with out my consent, a lawyer who now is disbarred, has done this to many of his clients, and he is suffering now from consequences, but now i am suffering because of this inaccuracies. 
please i have attache the police report and also filed dispute many of them with transunion who is unwilling to remove this inaccuracy from my credit file please help me to get to the bottom of this and have this inaccuracy removed from transunion reporting only thank you

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 2018-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX I paid in invoice on Paypal using my XXXX XXXX credit card generated by my wedding photographer XXXX XXXX in amount of {$2900.00}. To avoid the 2.9 % transaction fee, I called my credit card company XXXX to dispute this charge and XXXX put the credit back onto my card. Meanwhile my photographer refunded me the transaction fee of {$84.00} so I called my credit card company to cancel the previous dispute. XXXX soon rebilled me {$2900.00} ( as stated in the XX/XX/XXXX statement of my credit card ). Paypal started a chargeback case ( case ID XXXX ) on XX/XX/XXXX after receiving the dispute notice from my credit card bank and held the fund from my seller. Although the dispute case is already closed on XXXX 's side and the fund was sent to Paypal 's merchant bank, Paypal claims that they did not receive any money and closed the case. XXXX provided me the letter to confirm that this dispute was canceled and the amount of {$2900.00} was rebilled and sent to the merchant 's ( Paypal ) bank. I had forwarded the letter to Paypal. However, on XX/XX/XXXX, Paypal close the dispute case and with the conclusion of missing fund. Now the situation is that I made the payment to Paypal and 4 months later Paypal said they did not receive any money or any notification from my credit card issuer XXXX. I had contacted Paypal numerous times to trace the fund, and kept receiving the same response that they did not receive it and therefore they have no payment for my seller.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Affordable Financial Solutions
State: CA

Complaint narrative:
Purchased credit repair and XXXX/XXXX XXXX XXXX from XXXX XXXX with Affordable Financial Solutions ( XXXX  ). Ms. XXXX has advertisement on her website of affordable pricing for XXXX, credit repair, and tradeline postings. Full refund of services was guaranteed ( according to website ). Initiated payment of services to Ms. XXXX from XX/XX/2018-XX/XX/2018 and have yet to receive any type of confirmation of completion of services. Also noticed that all data information was submitted through an unprotected Jot Form field. Ms. XXXX remained in constant communication that services will be completed and continued to make several excuses ( very busy, have a lot of clients, hurricane season ... etc..etc.. ), so I finally requested a refund. Ms. XXXX confirmed that she issued a full refund on XX/XX/18 and had placed the refund check in the mail. She also provided a copy of the check as proof. After 9 business days of not receiving the refund, I followed up with Ms. XXXX. No phone calls returned and only emails from an assistant by the name of " XXXX ''. I continue to get excuses on even the refund check. Ms. XXXX is no longer available and doesn't respond to my calls and the only communication now is via email with her assistant. I did research online and revealed that I'm not the only person that has been victimized my Ms. XXXX or her company. There are several complaints found on XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX ). I never received any type of contract of any services rendered by Ms. XXXX or her company, Affordable Financial Solutions and she continues to advertise as if she performs services. In reviewing her practices and finding out more information on my rights as a consumer, she is clearly in violation of FCRA and the Credit Repair Organization Act

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX : Unauthorized Credit Inquiry Dear Sir/Madam, This letter is your formal notice to cease the unauthorized hard inquiries you are making intomy ( insert the name of the credit bureau here ) credit report. This is also a formal demandfor you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiriesremoved. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX/XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX XXXX from XX/XX/XXXX + XXXX XXXX XXXX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX XXXX XXXX from XX/XX/XXXX + XXXX XXXX XXXX/XXXX  XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests. 

Thank you. 

Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Unified Retrieval Solutions llc
State: KY

Complaint narrative:
A person called from Unified Solutions on XX/XX/2017, said his name was XXXX XXXX. Said they had attempted to serve me documents and that since they hadnt heard back they were considering their due diligence complete and to consider myself notified. The callback number they left is XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2018-10-31 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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX RE : Unauthorized Credit Inquiry Dear Sir/Madam, This letter is your formal notice to cease the unauthorized hard inquiries you are making intomy ( insert the name of the credit bureau here ) credit report. This is also a formal demandfor you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiriesremoved. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX/XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX  XXXX Inquiry from XX/XX/XXXX + Bank To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests. 

Thank you. 

Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX : Unauthorized Credit Inquiry Dear Sir/Madam, This letter is your formal notice to cease the unauthorized hard inquiries you are making intomy ( insert the name of the credit bureau here ) credit report. This is also a formal demandfor you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiriesremoved. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX/XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXXnquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests. 

Thank you. 

Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2018-10-31 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 — Problem with personal statement of dispute
Company: Madison Management Services, LLC
State: MD

Complaint narrative:
I have reported this Mortgage company before under my previous complaint number of XXXX Note resolution was my note holder for second mortgage. Madison management is account management company. 
Managing compay had agreed to lower my monthly payment to {$250.00} and i was paying timely, when Note resolution wanted me to pay {$1100.00} + when they found out XXXX XXXX had lowered my payment. 
Now loan has been modfied and my payments are lowered to {$250.00} Last year, Madison Management - Note resolution have reported negatively to credit buorou, even thou I was paying timely but negotiated amount of {$250.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 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:
I settled an account for XXXX XXXX with XXXX XXXX XXXX. I have attached a copy of that settlement. I disputed this with all three bureaus and they did not remove the balance on the account. This is a violation of my rights under the Fair Credit Reporting Act. 

XXXX account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: TX

Complaint narrative:
This account has been on my credit report and It is not mine. I have never done business with this company and I would like this account deleted from my credit report. I tried to contact the credit bureau to review my account and have the account deleted and they returned the account as verified and didn't provide me with any details as to how this account is owed by me. I am requested original documentation for this account to prove that it is mine or have the account permanently deleted from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation