vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-30 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: MI

Complaint narrative:
Pick up truck was totaled in XXXX  of 2019. Insurance paid vehicle in XXXX  2019XXXX XXXX   has not updated credit bureau.as of XXXX/2019. XXXX  says I owe {$10000.00}, XXXX  says {$440.00}, Equifax says account is closed. Also XXXX XXXX  has submitted negative late payments on credit report. I have also tried to submit a dispute with the credit bureaus but they say the information is correct, which it is not

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: MI

Complaint narrative:
Pick up truck was totaled in XXXX  of 2019. Insurance paid vehicle in XXXX  2019.XXXX XXXX   has not updated credit bureau.as of XXXX2019. Experian says I owe {$10000.00}, XXXX  says {$440.00}, XXXX  says account is closed. Also XXXX XXXX has submitted negative late payments on credit report. I have also tried to submit a dispute with the credit bureaus but they say the information is correct, which it is not

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 2020-04-30 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: AR

Complaint narrative:
i pulled my credit to myself for the first time in 2 years and seen many accounts that were not mine. i never applied nor seen any of these accounts.These accounts need be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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:
I applied for an auto loan with XXXX XXXX today XX/XX/2020 and when they ran my credit to see if I qualified, I was told that I did not get approved because there were accounts and inquiries reflecting badly on my credit history. I looked through my credit report and I found four accounts and several inquiries that are not mine. The accounts are from Dept of Ed/XXXX, XXXX XXXX XXXX & US Department of Education ; the inquiries are from many different companies that I have no relationship with. None of these accounts/inquiries belong to me and I have never allowed anyone to open any account on my behalf. I did not benefit anything from any of these accounts such as money, goods, services or any other benefit nor did I ever contribute to any payments made towards these accounts. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding this incorrect information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: TN

Complaint narrative:
XXXX XXXX  is past the 7 year mark of expiration on my credit report. It was opened XX/XX/XXXX and should of been removed on XX/XX/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 2020-04-30 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:
I applied for an auto loan with XXXX XXXX today XX/XX/2020 and when they ran my credit to see if I qualified, I was told that I did not get approved because there were accounts and inquiries reflecting badly on my credit history. I looked through my credit report and I found four accounts and several inquiries that are not mine. The accounts are from Dept of Ed/XXXX, XXXX XXXX XXXX & US Department of Education ; the inquiries are from many different companies that I have no relationship with. None of these accounts/inquiries belong to me and I have never allowed anyone to open any account on my behalf. I did not benefit anything from any of these accounts such as money, goods, services or any other benefit nor did I ever contribute to any payments made towards these accounts. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding this incorrect information 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 2020-04-30 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:
I applied for an auto loan with XXXX XXXX today XX/XX/2020 and when they ran my credit to see if I qualified, I was told that I did not get approved because there were accounts and inquiries reflecting badly on my credit history. I looked through my credit report and I found four accounts and several inquiries that are not mine. The accounts are from Dept of Ed/XXXX, XXXX XXXX XXXX & US Department of Education ; the inquiries are from many different companies that I have no relationship with. None of these accounts/inquiries belong to me and I have never allowed anyone to open any account on my behalf. I did not benefit anything from any of these accounts such as money, goods, services or any other benefit nor did I ever contribute to any payments made towards these accounts. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding this incorrect information 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 2020-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD Bank is insisting on requiring an in house appraisal inspection. AQll we are doing is trying to convert an existing HELOC into a 30 year fixed rate. All the credit stuff is done and approved. It is all about the appraisal conditions. 

We do not want anyone to come into our home right now and we have offered to take any pictures they want, allow the appraiser to look around outside and look into any windows that they want, plus we would be happy to provide copies of all plans, COs and related document etc., just dont come in. Since they were good with the previous appraisal only about 1.5 years ago when we took out the HELOC we fail to see why we need to risk our health, and maybe our lives to accomplish this, again? 

TD Bank is being unreasonable and unresponsive. We have been long time customers of TD Bank dating back to when they took over the local XXXX XXXX  ; so at least since before 2007. They already took the money for this appraisal! TD Bank is dragging their feet on getting me a response, too. We would just go to another loan service and start again but they have me over a barrel. I cant close this HELOC for about another year under their terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: AZ

Complaint narrative:
My loan was sold to this company. They have 'fees ' that were not disclosed during the loan transfer. 

One of those fees was {$25.00} to obtain a pay off quote. The original mortgage company didn't have any fees. 

When I questioned the fee I was told it was 'required by the State ' and they would not remove it.

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 2020-04-30 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I found out that there has been fraudulent activity with my credit. I have been trying to contact Experian to report it. I call the number on the website but non of the menu options lead to a live person. 

I tried the online system but I keep getting caught in a loop where I am asked to input information to verify my identity only to have login information sent to an XXXX address that is not mine. I believe that they have an old or possible fraudulent email address on file. I need to get to a live agent.

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 2020-04-30 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
This is not mine..please remove it.

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 2020-04-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA

Complaint narrative:
I'm trying to refinance my first mortgage and I have Equity line of credit with HSBC that I'm not including the refinance, per HSBC policies, I sent a subordination agreement package and I followed up with tons of emails and calls, the servicer charged me for the agreement {$250.00} and it's taking 30 days to process the request and they said processing takes 2-3 business days, it has been more than 20 business days with no response and no reply, my rate for the refinance has expired and closing has been postponed 3 times and HSBC mortgage servicer are not cooperating and not providing information, now in additional to the {$250.00} for the agreement, I also paid {$450.00} for the appraisal because according to HSBC policy, I had to provide appraisal report too. 
Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: NV

Complaint narrative:
This is not mine..please remove it.

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 2020-04-30 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: NV

Complaint narrative:
This is not mine..please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$2400.00} XXXX XXXX XXXX  XXXX {$660.00} XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX {$89.00} XXXX XXXX {$760.00} XXXX XXXX {$220.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$130.00} XXXX XXXX {$330.00}

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 2020-04-30 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX  XXXX {$2400.00} XXXX XXXX XXXX  XXXX {$660.00} XXXX XXXX XXXX {$690.00} XXXX XXXX  XXXX {$2400.00} XXXX XXXX {$89.00} XXXX XXXX {$760.00} XXXX XXXX {$220.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$130.00} XXXX XXXXXXXX {$330.00}

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 2020-04-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: PA

Complaint narrative:
I have tried to contact Midwest recovery Systems, on several occasions one on XX/XX/XXXX and then again on XX/XX/XXXX and both times I requested to talk to a supervisor and both times I was transferred to a voice mail and I have left a message both times with no return call, the alleged debt is for {$260.00} and Midwest received it on XX/XX/XXXX and on XX/XX/XXXX was reported to my credit report, I was never notified regarding this alleged debt from 2015 is when Midwest is saying it was originally from. I have requested verification on the debt but Midwest never verified my address in order to send the verification of the debt too

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have an auto loan with XXXX XXXX XXXX XXXX that I was never late with. 
At the end of XXXX, the President enforced a government shutdown that impacted millions of small businesses and thousands of XXXX veteran/XXXX XXXX like mine. Invoices that we had submitted in XXXX, XXXX, XXXX and XXXX were not honored until almost mid XX/XX/XXXX. 
When I realized our invoices would be not be honored and we were pulled off projects I reached out to all my debt holders - XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX  XXXX XXXX, and all worked with me. I not only wrote letters but called or visited in person those I owed. One of those was XXXX XXXX XXXX XXXX. I went to their XXXX, CA office and with their manager called in to XXXX home office and the XXXX agreed to not place anything negative on our credit report. They said I had an outstanding payment record prior and they were working with all their veterans to ensure they were not harmed due to the government shutdown. Once we were paid in XXXX, I made up the back payments and have not been late since. But learned this year, XXXX did in fact post a negative on my report. I wrote then two certified letters. I went to their office. I called. I emailed. And I only get one paragraph reponses. They have taken over 30 days to respond to my letters and when I called last week, they say they had no records of my calls or emails. When I was in the office with my complain others were there also with the same issues. This is not right. I sent a certified letter to the President of XXXX that was five pages long in detail. I get one paragraph letter by from someone in Risk Management and when I attempted to call or email this person, the number didnt work and they had no email from him. Before that I received a letter from a woman and again the telphone number was bogus. This week I got an email saying they would investigate again, but no contact information. Something must be done to punish XXXX for being sloppy in responding and not keeping their word.

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 2020-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I recently obtained a copy of my credit report and noticed some erras. I noticed multiple addresses that I never resided, and also incorrect name being reported. 

I atteched a copy of my drivers license and social ( SEE ATTACHMENT ) My report should only refect one name and address!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I recently obtained a copy of my credit report and noticed some erras. I noticed multiple addresses that I never resided, and also incorrect name being reported. 

I atteched a copy of my drivers license and social ( SEE ATTACHMENT ) My report should only refect one name and address!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: AR

Complaint narrative:
I have several items on my credit report that are not mine including a child support debt. I have never been put on child support. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: OK

Complaint narrative:
My husband XXXX XXXX and I XXXX XXXX lived at XXXX XXXX XXXX manged by  XXXX  XXXX  in XXXX ok in XXXX XXXX. It was even reported on both our credit reports which has now been deleted but thankfully I pull our credit ever month and have for years. Hunter Warfield sent us a bill in XXXX, 2 years after saying we owe and we do not.. which we have been disputing since, the credit bureaus will not and have not investigated it and Hunter Warfield continues to lie about it.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-30 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND A FEW INACCURATE ACCOUNTS AND INQUIRIES THAT WAS REPORTING ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND IS IN NO WAY CONNECTED TO ANY TRANSACTIONS THAT I HAVE MADE. I HAVE NO IDEA HOW THE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT FILE. I HAVE NO DOUBT THAT MY IDENTITY HAVE BEEN TAMPERED WITH BY SOMEONE UNKNOWN TO ME. I AM VERY CAREFUL WITH MY PERSONAL INFORMATION. THIS SITUATION IS VERY STRESSFUL SO I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE DEROGATORY ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-04-30 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: AR

Complaint narrative:
i pulled my credit to myself for the first time in 2 years and seen many accounts that were not mine. i never applied nor seen any of these accounts.These accounts need 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 2020-04-30 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: AR

Complaint narrative:
i pulled my credit to myself for the first time in 2 years and seen many accounts that were not mine. i never applied nor seen any of these accounts.These accounts need 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