vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

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 XXXX has me at a score around XXXX. That is a huge difference. XXXX 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 XXXX. I do not understand why they are abusing consumers XXXXThis 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 XXXX 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 XXXX times. XXXX 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 im homeless n cant provide to my XXXX year old daughter 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 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Hi Bank Of America, This is specifically for BANK OF AMERICA # XXXX with fraud account with Charge-off Balance : {$1100.00}. I've attempted several times to remove this account from the XXXX credit report because i never opened this account nor did i use {$1100.00} on it. The other credit bureaus have removed this account but your company failed to remove it. F

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 2022-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I had my XXXX XXXX removed By XXXX & XXXX XXXX ( it was covered by my insurance ) They convinced to sign a contract in order to do more procedures, I never did the procedure and they put a credit debt on me, even though I did not do the procedures.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was checking my credit report and these accounts still on. I dont understand why you put this negative information on my account. I already sent few rounds of dispute about them. I believe that someone have my personal information.

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 2022-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
I had the misfortune of having a loan serviced by the scam artists known as Caliber Home Loans. The company had secured flood insurance on my behalf. When I sold my property, I wanted to get my prorated insurance refunded, and that's when the nightmare started. 

For weeks, I tried contacting the company but to no avail. Their automated system has one and only one purpose : to make sure nobody ever gets to speak with a customer service rep. No matter what options you select, you get automated responses. 

Long story short, having spent weeks attempting to contact these scam artists to recover the funds they owe me, I had no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing due to non-compliance with Equifax, XXXX, XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past. They are in violation of the FCRA and are outright refusing to uphold the law. It has been more than 45 days without a response and I am requesting that the fraudulent items be removed from my reports. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CT

Complaint narrative:
This company Toyota motor financial sell two account to a company call XXXX XXXX reported after charge off never update this information and keep reporting every month innacurate information different in every credit bureu like Payment history damaging my credit for years a open multiple dispute and this company negligent in update or correct this account or remove a keep reporting incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent Credit reporting Agency Transunion multiple letters regarding alleged loans on my credit report, and asked them to do an investigation on alleged loan accounts. In response I would get letters from them saying accounts were verified through e-oscar with no proof, but computer generated responses. They did not do a thorough investigation. 

Also, these reports appear to have been generated by the same lender so why is the data reporting inaccurate? As the governing credit bureau it is their responsibility to report consistent and most importantly accurate information. Transunion the governing bureau have failed to report correct data for other lenders/potential lenders to view and determine me as credit worthy. Information on accounts are different from other 2 credit reporting agencies.

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 2022-01-28 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: FL

Complaint narrative:
I found a wrong address on my credit report that doesn't belong to and Experian refuses to remove it. saying they can't due to linked accounts.

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 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2022-01-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ADIR INTERNATIONAL LLC
State: AZ

Complaint narrative:
Credit card obtained and charged without my knowledge or permission. I only found out about the account after checking my credit report. I had never heard of or nor shopped in the issuing store before.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
While checking my credit report, I notice an account from XXXX XXXX XXXX  that I believe is not being reported correctly on my credit report. On XX/XX/2021, ( See Attached ), I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2021, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, ( which is attached ), asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXX is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for almost a year with no success, so I am writing to you to help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
While checking my credit report, I notice an account from XXXX XXXX Bank that I believe is not being reported correctly on my credit report. On XX/XX/2021, ( See Attached ), I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2021, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the XXXX credit bureaus, ( which is attached ), asking them to verify or remove the negative report on my credit report that XXXX XXXX Bank is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for almost a year with no success, so I am writing to you to help me with this matter.

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 2022-01-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: CO

Complaint narrative:
XX/XX/22 Indemnification Form received, according to PNC 's policy they need this form signed to issue a cashier 's check for any amount above {$25000.00} but the form they sent me is to reissue the check and hold the bank harmless. So if this form needed to be signed for the check to be originally issued and I did not sign it how is it that PNC cut a check for me to begin with? And if they could not have cut me a check, to begin with then how did they lose the original check? 

XX/XX/22 I spoke at length on the phone with a representative about this form he was supposed to relay this to the person assigned to my account he, however, did not, and now the person assigned to my account is requesting this form which I will not sign. I have requested an immediate mailing address for my attorney to mail a letter to and have not received an address yet. 

I will not sign this form because I will be pursuing legal action against PNC for their gross mishandling of my account over the past 4 months and due to the fact that I closed the account over a month ago and I am still owed {$33000.00} from PNC. 


I am filing this last complaint to make a record that PNC will be paying all of my legal fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Around XX/XX/XXXX, I disputed unauthorized accounts being furnished on my consumer report via Transunion. Per federal law, I was not provided all 5 things to validate the alleged debts being reported per 15USC1692g. On XX/XX/XXXX, I mailed Transunion a letter with a return receipt stating that I did not consent to the accounts being furnished on my consumer report. My letter was delivered to Transunion on Thursday XX/XX/XXXX. As of today, there are multiple accounts that I did not consent to being furnished on my consumer report via Transunion. 
Congress states Transunion assumed their role in evaluating consumer credit and other information on consumers per 15USC1681 ( a ) ( XXXX ), therefore Transunion is infringing upon my right to privacy by furnishing the accounts without my consent.

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 2022-01-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC.
State: PA

Complaint narrative:
In XXXX of XXXX I reached out to Guaranteed Rate Mortgage Company for my home purchase journey. I was told before they could issue me a pre-approval I would have to pay off a Judgement in the amount of {$5000.00}, which was done. On XX/XX/XXXX I was issued a pre-approval letter in the amount of {$260000.00}. My family and I were so happy and immediately begun our house search. On XX/XX/XXXX we went under contract and signed the sells agreement. On XX/XX/XXXX I paid {$590.00} for the property to get inspected, XX/XX/XXXX I gave the seller a deposit in the amount of {$2000.00}, and on XX/XX/XXXX I paid {$570.00} for the appraisal. On XXXX XXXX I received an email from Gauranteed Rate saying they received all paperwork and has started my mortgage application and to sit tight they will send me details when they had my approval numbers ready to review. Also on XX/XX/XXXX I signed my Loan Package/ Disclosure with Gauranteed Rate. On XX/XX/XXXX I received an email stating that I needed to submit additional documents in order to move forward, which I submitted on the same day. On XX/XX/XXXX I received a text stating that my loan has been submitted to underwriting. On XX/XX/XXXX I received a call from my loan officer saying that they have to withdraw my loan application because of a XXXX flip rule and that he would transfer my file with all my documents to another loan application. On XX/XX/XXXX I received a notice of withdrawal letter. On XX/XX/XXXX I resigned the sales agreement. On XX/XX/XXXX I received an email from my loan officer saying that he received the new sales agreement and in order for me to move forward I would need to pay off my car note ( which wasn't told to us before we went under contract or when we were asked to pay off the {$5000.00} ) judgment ) when I explained to him that that wasn't possible due to my children having covid and my fiance having to take time off of work I was the only one with income at the moment, he then said that without the car note being paid off then its a chance our loan will be denied. We already spent over {$8000.00} based off of me getting an approval and was told we would be going to closing on XX/XX/XXXX. On XX/XX/XXXX have reached out to the Company directly to file a complaint but no one is giving answers on too who dropped the ball. I have emailed the assistant manager, customer success and yet to receive an email back I also left a message and yet to get a response after being told someone would call me back that same day or within 24 hours

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Last Saturday, XX/XX/22 I logged in to see my credit score with TransUnion and noticed that they dropped my credit score by XXXX points because I paid off my mortgage in XXXX! Not only did they do this, but they removed other paid off loans that should have stayed on my report, I was 100 % on time with my payments, but that all got wiped out!! Im in my XXXX and recently widowed, I was married for many years and my husband and I took out many loans which were paid off before they were due! I filed a previous complaint, but all they did was avoid the problems listed and didnt answer any questions as to why! So, Ill number the items that need to be addressed and I want a direct response to them, not a lot of skirting around the issue! 

1 ) I want my score brought back up, immediately to where it was!

2 ) I want paid loans that you removed put back on my report that you had no business removing because it shows my credit history! The less it shows, the worse the score, obviously!

3 ) I want my credit history to go back to what it was, you are lying to people that view my credit history when it says only 5 months! Youre slandering me!

4 ) One of your representatives told me that I have credit card opportunities so I should get some credit cards to rebuild my credit! This tells me that you are in cahoots with credit card companies and are pushing people into debt further! 

I am filing complaints with other government agencies because there needs to be an all out investigation done with all of the credit bureaus. I am also filing complaints because I am disabled and a widow, I am being discriminated against.

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 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
The credit agencies keep reporting inaccuracies on my credit file. The student loans date of last active on all three bureaus are inaccurate. The FCRA says, " 100 % accurate. '' Not 10, 20, 30, 40, or etc. 100. I am enclosing a copy of the letter I sent to all 3 bureaus with a copy what is reporting with all three agencies so you can see I am not lying. This need to be removed immediately. I will take legal action because this is not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, and over 30-60 days later I have not received a response yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, and over 30-60 days later I have not received a response yet.

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 2022-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
Robo Calls everyday, sometimes 2x a day from phone # XXXX ERC unknown caller about debit collection ( robotic messages ) My phone # is on DO NOT CALL registry This is an unknown debit, that I know nothing of

Company response to consumer: Closed with explanation