vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : Late/Open XXXX XXXX XXXXXXXX Balance : {$300000.00} XXXX XXXX Balance : {$1900.00} Late/Closed XXXX XXXX Balance : {$4900.00} ChargeOff XXXX XXXXXXXX XXXX Balance : {$420.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$3100.00} XXXX XXXX XXXX  XXXX Balance : {$430.00} XXXX XXXX Balance : {$240.00} XXXX XXXX XXXXXXXX XXXX Balance : {$710.00} XXXX XXXXXXXX Balance : {$570.00}

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 2022-02-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
I was denied by my servicer for a CARES Covid19 forbearance stating its because I had a CARES forbearance back in XXXX and completed in XXXX of XXXX with a partial claim. 
In XXXX of XXXX I contacted my servicer due to a major illness in my family due to XXXX XXXX causing a loss of income and causing work to be missed. Now I have fell ill to XXXX XXXX and then last week suffered a XXXX XXXX causing my hospitalization. My mortgage servicer Flagstar said that specifically HUD denied my CARES forbearance even though on my mortgage companies website it says that I have an active forbearance. I spoke with several managers and they all said that they're trying to fix it. I then got a call from an agent who said HUD denied me and there's nothing I can do. I sent over copies of emails from HUD stating I was in fact eligible for another initial forbearance based on the CARES guidelines updated in XXXX of XXXX. I asked for a copy of this HUD denial from Flagstar because I want to send it to HUD. Its been two weeks and I have not received a copy of this denial. I have spoken to several professional in the mortgage industry and they stated Flagstar is incorrect. The XXXX forbearance I had back in XXXX that was completed with a partial claim is not relevant to a new case of XXXX hardship. It would only be relevant if i never brought my account current but I did. Please help. My 401k company denied me taking funds out to cover my mortgage and this is not fair. I have read all the HUD guidelines on Cares and its clear that I would be eligible for a new initial forbearance. I just need help while myself and family recover and get back to work. Others are receiving this same assistance that I am being denied for.

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 2022-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Schreiber Law LLC
State: MA

Complaint narrative:
Had Identity Thief in XX/XX/XXXX And XX/XX/XXXX By Criminals Movers Stealing All My Identity. And Opened Accounts Thats Never Got Letters From XXXX XXXX Saying. I Have All Your Informations You dont Paid Your Bills??. All The Names In The Feds. Supposed To Go To Court. Today XX/XX/XXXX XXXX But Woke Up Late. And The Clerk Was Going To Give Me A Warrant. Told Him I Almost Had A Crime In My House And The Court Did Nothing For Me??. Never Received A Letter Until My SSN Is Compromised. And XXXX XXXX And Her Criminals Friends Stolen All My Identity. Send Them A Letter Next court Date Is XX/XX/XXXX at XXXX : am

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: MD

Complaint narrative:
I have expressed to Transunion, XXXX, XXXX, and DEPT OF EDU on multiple occasions they are reporting debts that do not belong to me. I have no knowledge of these debts nor have I verified them. I haven't given ANYONE permission to report this information in my credit report. They continue to report false information without sending me any proofs that these debts exist or that they belong to me. I have requested information such as contracts and notes with my signature to confirm these debts but they refuse to provide me with them. It has been well over 30 days since I have requested this information yet they say " verified '' but have not proven that they have even investigated the matter. These debts are not mine.

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 2022-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS 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 non-monetary relief
Consumer complaint received 2022-02-17 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: EQUIFAX, INC.
State: MO

Complaint narrative:
The following inquiries were unknown to me. The furnishers were unauthorized to pull my credit reports. Thus, there must be an error with Equifax 's investigation. I have already addressed this issue to Equifax but I have received nothing until this date. I am already doubting the accuracy of their investigation. Please see all inquiries that should be removed : XXXX Date of Inquiry XX/XX/2020 XXXX XXXX  XXXX Date of Inquiry XX/XX/2020 XXXX XXXX  XXXX Date of Inquiry XX/XX/2020 XXXX XXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX Date of Inquiry XX/XX/2020 XXXX XXXX Date of Inquiry XX/XX/2020 XXXXXXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/2020 XXXX XXXX XXXX Date of Inquiry XX/XX/2020 XXXX XXXX XXXX  Date of Inquiry XX/XX/202XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/202XXXX XXXX Date of Inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: EQUIFAX, INC.
State: MO

Complaint narrative:
My name is XXXX XXXX XXXX and I am sending this complaint to address the inaccuracies on my credit report provided by Equifax. They need to fix the issues about the inaccurate information for the accounts and the unauthorized account reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the items that I am disputing : XXXX. XXXX XXXX {$420.00} XXXX. XX/XX/XXXXDismissed XXXX Reference number : XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First National Collection Bureau, Inc.
State: TX

Complaint narrative:
My information was stolen back in 2011 and various accounts were opened with this information including this account that I had no knowledge of or how to go about disputing it until now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now imXX/XX/XXXXn cant provide to my XX/XX/XXXXdaughter PLEASE HELP ME PLEASE

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 2022-02-17 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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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:
XXXXXXXX XXXX XXXX XXXXXXXX {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

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 2022-02-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : Late/Open XXXX XXXX XXXX Balance : {$300000.00} XXXX XXXX Balance : {$1900.00} XXXX XXXX Balance : {$21000.00} Late/Closed XXXX XXXX Balance : {$4900.00} ChargeOff XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX  XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$0.00} Collection XXXX XXXX XXXX Balance : {$3100.00} XXXX  XXXX Balance : {$240.00} XXXX XXXX Balance : {$570.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian does not follow FCRA LAWS. They do not provide reasonable investigations. 
They are recorded saying that they dont conduct investigations. 
My complain is SPECIFIC. 
Experian needs to review everything I submit and provide an investigation and make a decision

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 2022-02-17 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: LA

Complaint narrative:
XXXX, equifax, and XXXX refuse to give me my credit report after illegally using my information, Im demanding my reports from all three agencies so I can access the damage done to my credit profile!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: MARINER FINANCE, LLC
State: CA

Complaint narrative:
Since approximately of XXXX of XXXX I noticed a fraudulent loan on my credit report. I reached out to mariner finance on various occasions and explained that I was a victim of identity theft and the account that was opened with them was fraudulent. I was told that it would get removed for they had realized that it in fact not me that opened this account. Nothing has been done about it. There were also hard inquiries by this company that were also supposed to be removed and it has not happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: MI

Complaint narrative:
I sent letter to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX CXXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$510.00} XXXX XXXX  Date of inquiry 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 2022-02-17 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: CL Holdings LLC
State: OH

Complaint narrative:
We moved to an address not covered by XXXX and was told we would not be penalized. I received a zero balance final bill from XXXX then I get a collection agency Jefferson Capital System and they can not provide proof of this debt. XXXX has no idea about it and says I do not owe them money. They call me constantly and have even called my work where I am on contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: FL

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : Late/Open XXXX XXXX XXXXXXXX Balance : {$300000.00} XXXX XXXX Balance : {$1900.00} Late/Closed XXXX XXXX Balance : {$4900.00} ChargeOff XXXX XXXXXXXX XXXX Balance : {$420.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX  XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} Collection XXXX XXXX  XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX Balance : {$240.00} XXXX XXXX XXXXXXXX XXXX Balance : {$710.00} XXXX XXXXXXXX Balance : {$160.00} XXXX XXXXXXXX Balance : {$570.00}

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 2022-02-17 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: VA

Complaint narrative:
Account Name : XXXX XXXX XXXX reporting late payment for XX/XX/2022 2022

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 2022-02-17 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
From XXXX XXXX XXXX, We had fraud connected to our account and nearly XXXX dollars were stolen from us. We communicated with Chase, and they provided some temporary credit, but by XX/XX/XXXX, we had XXXX large charge reversed ( 655.67 ). As of now, there are XXXX additional large charges ( of nearly the same amount ) that are not closed from their fraud team, but purchased the same way. We worry that these will be reversed too. We a They explained that they can not prove the fraud, therefore reversing the charges, and we would have to do directly to the vendor. We found the vendor and got the receipts for the items fraudulently bought on our account, and across the country, and have so far been working with a XXXX party company to assist.

Company response to consumer: Closed with monetary relief