vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
Hello, on XX/XX/2021 approximately at XXXXXX/XX/XXXX eastern standard time. My daughter in law received a call from XXXX identifying themselves as : National Credit Systems. She spoke with a representative who only asked for her name, she went on to use my name. No information was verified, no social, birthdate, address or anything. He went on to provide information regarding my account including the balance information. She went on to speak with a manager and he did the same thing. No information was verified, the mrd mmdc was not said, this is a failed attempt to follow FDCPA protocol as well as giving out information regarding my personal account. I need a resolve immediately and I feel that I should be compensated for the trouble, embarrassment, and the lack of care for my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: VA

Complaint narrative:
I was notified by my mortgage company that they did not receive payment for my loan. I pay automatically every month since inception. I have provided proof from my bank that it was paid and they still have not credited my account or fixed my credit score.

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 2021-04-14 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: VA

Complaint narrative:
I was notified by my mortgage company that they did not receive payment for my loan. I pay automatically every month since inception. I have provided proof from my bank that it was paid and they still have not credited my account or fixed my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: VA

Complaint narrative:
I was notified by my mortgage company that they did not receive payment for my loan. I pay automatically every month since inception. I have provided proof from my bank that it was paid and they still have not credited my account or fixed my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Bought lunch at local restaurant. Bill was small, total with tip was {$26.00} including tip, paid with Wells Fargo POS  ATM card. 
Two days later on XX/XX/2021, restaurant inputs {$10000.00}. Wells Fargo deducts funds from checking account, and hits savings account for difference as checking account balance was not sufficient for this charge. Checking account is now at XXXX. 

We call Wells Fargo to report and they begin a claim as " dispute resolution '' instead of fraud. 

We go to Wells Fargo local branch. Wells Fargo employee calls restaurant and report that charge will be reversed by the restaurant. We notify Wells Fargo staff that their ATM card agreement limits daily withdrawals to {$2500.00}. Wells Fargo publications also claim that accounts are monitored for unusual activity. We ask why a charge in excess of {$2500.00} was paid, they reply that " it sometimes happens ''. 

We request that Wells Fargo staff contact Visa who apparently is middleman in POS  transactions. They advise us to wait 2 to 10 days. to resolve!

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 2021-04-14 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: IL

Complaint narrative:
Company is reporting public records as " verified and accurate '' on my credit report saying they obtained information and records were verified by a third party company " XXXX '' as of XX/XX/2021 but XXXX sent a letter of not being able to vwrify these records as of XX/XX/2021 these records have been deleted from my XXXX report. so your company is completely lieing about the information being verified and accuratre according to XXXX! The letter from XXXX clearly says the bankrupticies have been removed from my report. I am demanding these records be removed from your company 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 2021-04-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I paid off and closed my capital one credit card on XX/XX/2020 due to fraudulent fees being added to the account despite on time payments. My credit score then dropped by over 75 points. I am now unable to apply for other personal and business credit cards due to this extreme reduction of credit points despite the account closing on good terms. I am in dire need of credit score improvement to buy a house due to how dangerous my current neighborhood is and time is running out. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: CT

Complaint narrative:
On XXXX I sent a letter of verification to all three of the credit bureaus asking them to verify that all the account that I listed in the letters were correct and I would like for them to send me how the accounts were properly verified. I don't feel as if I am liable for this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: CT

Complaint narrative:
On XX/XX/XXXX I sent a letter of verification to all three of the credit bureaus asking them to verify that all the account that I listed in the letters were correct and I would like for them to send me how the accounts were properly verified. I don't feel as if I am liable for this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
Step 1 : What is this complaint about?

Inaccurate credit reporting.

Step 2 : What type of problem are you having?

Mr. Cooper 's mortgage company reported my second mortgage as delinquent which affects my ability to buy a new home. I tried to work out the problem but their agents are not responding to my emails or phone calls.

Step 3 : What happened?

In the proc
ess of trying to refinance my loan with Mr.cooper, a loan officer told me to stop making payments on my second mortgage. Then, they turned around a report me as delinquent on my payments.

Step 4 : What company is this complaint about?

Mr. Cooper mortgage or Nationstar Step 5 : Who are the people involved? 
Loan officer XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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:
There are XXXX accounts on my credit report that do not belong to me I have been disputing these since XX/XX/2020 but I have heard nothing back I have opened an FTC and filled and have a notarized Affidavit for Identity theft and still nothing is being done I have gotten no emails back or dispute results this is my last resort before I open a police report. 
Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : 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 2021-04-14 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: CA

Complaint narrative:
There are 9 accounts on my credit report that do not belong to me I have been disputing these since XX/XX/2020 but I have heard nothing back I have opened an FTC and filled and have a notarized Affidavit for Identity theft and still nothing is being done I have gotten no emails back or dispute results this is my last resort before I open a police report. 
Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: NJ

Complaint narrative:
My Hipaa wrights has been violated, when a collection agency has access to my private medical files, This private information needs to be remove. 
Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 

XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: IL

Complaint narrative:
Company is reporting public records as " verified and accurate '' on my credit report saying they obtained information and records were verified by a third party company " XXXX '' as of XX/XX/2021 but XXXX sent a letter of not being able to vwrify these records as of XX/XX/2021 these records have been deleted from my XXXX report. so your company is completely lieing about the information being verified and accuratre according to XXXX! The letter from XXXX clearly says the bankrupticies have been removed from my report. I am demanding these records be removed from your company 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 2021-04-14 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: CA

Complaint narrative:
I have made a complaint about not being able to access my Equifax credit report online. In response, today, I received in the U.S. Mail, from " XXXX XXXX XXXX XXXX, a paper form to order any of my credit reports THROUGH THE MAIL. This form requires LESS information that what is required online. Why do I have to risk sending this paper form with all my identity theft information through the mail, and wait 15 days, when it is, by law, supposed to be available to me ONLINE? That's a rhetorical question. I'm NOT going to send this form in. I expect all of the credit reporting companies to have functioning software and websites so I can access my " free '' credit report ONLINE. As a result of complaining to YOU, all I've got was this XXXX response by the XXXX XXXX XXXX XXXX, probably staffed by leftovers from that XXXX Trump, AND solicitations to BUY my online credit information from XXXX. At what point am I going to be able to get my credit reports ONLINE and get corrections made ONLINE? That seems a LOT more efficient than having me spend hours online only to find out that these predatory for-profit XXXX are NOT REALLY giving weekly free credit reports online ; it seems a LOT more efficient than requiring me to send in a weekly, paper, request via U.S. Mail. All three of these for-profit credit bureaus need to be sued BY YOU and fined for fraud. XXXX and these three credit reporting companies are ONLY using their online presence to try to SELL stuff to consumers and they are doing that by REFUSING to make these credit reports available ONLINE. Even when I've been able to get a credit report, those reports are incomplete - they **** the last four digits of MY accounts, old and new and I can't identify accounts without that. And, so far, each of my credit reports has either missing or incorrect information - but I can't dispute it online, because, " sorry, but our website is down now ( always ) ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On XX/XX/XXXX we obtained a consolidation loan in the amount of {$21000.00} from XXXX XXXX XXXX. The loan was sold on the same day to XXXX XXXX XXXX, XXXX. However, we continued to make regular monthly payments to XXXX XXXX XXXX. On XX/XX/XXXX our loan was again sold to Providian National Bank and we allegedly obtained a {$10000.00} cash advance that made the balance balloon from {$21000.00} to {$33000.00} due to fees and interests. In XXXX the loan was possibly sold to XXXX XXXX  loan # XXXX in the amount of {$34000.00}. We have made payments to XXXX XXXX for at least 10  years ( XXXX ). We are in the process of selling our property located at XXXX XXXX XXXX, XXXX, North Carolina XXXX We are being told by the buyer/closing attorney that our property has two liens held by XXXX XXXX XXXX and Providian National Bank due to the improper or inadequate process of transferring of the loans. Please help us find the lien releases and/or letters of satisfaction on these above-mentioned loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
On XX/XX/2016 of my XXXX  reports were removed from my credit report. 1 XXXX XXXX account and 15 ( all ) of my XXXX/Dept of Ed accounts were deleted. I recently just disputed with XXXX  because they haven't updated my report reflecting that the 16 accounts should be removed. After the dispute they STILL have not deleted it. THEY NEED TO DELETE IT. Them not having uniform information across all 3 bureaus is erroneous. DELETE ALL 16 OF MY REPORTS THAT XXXX  DELETED PLEASE AND THANKS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: FL

Complaint narrative:
I received a copy of my credit report and noticed a unusual account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: CA

Complaint narrative:
I have mailed TransUnion a dispute letter on ( XX/XX/2021 ) regarding some inaccurate/ incomplete/ unverified data that is being furnished on my credit report, they have failed to respond with in 30 days and I sent out a second letter on ( XX/XX/2021 ) stating they have ignored my previous request. they have not yet responded

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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:
I'm no expert or anything but I know for sure that the three bureaus most report 100 % accurate information to a credit report, I took a look at my credit report not to long ago and there's nothing but INCORRECT items on my credit report that doesn't even belong to me. So not only is the information inaccurate across all bureaus but the items don't even belong to me. I've disputed multiple times and the bureaus aren't taking it serious, they're continuing to report incorrect items on my credit report, I will be attaching these inaccuracies to this complaint. It's honestly ridiculous. Remove ALL of these incorrect information so I can move on with my life. You are defaming me and I feel like I'm being toyed with. I also refuse to dispute directly through any of the bureaus because they clearly will not fix the problem. I'm just sick of this all together. Literally all you guys do is defame consumers for a living.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I'm no expert or anything but I know for sure that the three bureaus most report 100 % accurate information to a credit report, I took a look at my credit report not to long ago and there's nothing but INCORRECT items on my credit report that doesn't even belong to me. So not only is the information inaccurate across all bureaus but the items don't even belong to me. I've disputed multiple times and the bureaus aren't taking it serious, they're continuing to report incorrect items on my credit report, I will be attaching these inaccuracies to this complaint. It's honestly ridiculous. Remove ALL of these incorrect information so I can move on with my life. You are defaming me and I feel like I'm being toyed with. I also refuse to dispute directly through any of the bureaus because they clearly will not fix the problem. I'm just sick of this all together. Literally all you guys do is defame consumers for a living.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: Prosper Marketplace, Inc.
State: AL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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