vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-12 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:
XXXX  ; XXXX  and Transunion are not investigating the lates reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of lates and have never received any communication from the bureaus to show that my requests are being looked into. My most recent credit report attached shows the following accounts are not in dispute when in fact they should be reporting that they ARE in dispute. The accounts are as follows - partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these lates and to report these accounts in dispute however, I have not been successful.

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 2020-08-12 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:
XXXX ; Experian  and XXXX are not investigating the lates reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of lates and have never received any communication from the bureaus to show that my requests are being looked into. My most recent credit report attached shows the following accounts are not in dispute when in fact they should be reporting that they ARE in dispute. The accounts are as follows - partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these lates and to report these accounts in dispute however, I have not been successful.

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 2020-08-12 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: GA

Complaint narrative:
is formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date.

Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond.

Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

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 2020-08-12 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: GA

Complaint narrative:
is formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. 
Federal law requires you to respond within XXXX XXXX XXXX XXXX days, yet you have failed to respond. 
Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission XXXX FTC ) ( see 15 USC 41, et seq. ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian hasn't update my XXXX XXXX since XX/XX/XXXX. I'm trying to bought a house and my lender can't see my XXXX XXXX. I have been trying to call them but they don't have an option to talk to human. I sent them a message on XXXX but they can't fix my problem. This have been happening for XXXX months already. I don't know if my account is blocked or freeze but I have never give them consent to do that.

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 2020-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
XXXX went bankrupt, and XXXX took over my mortgage servicing. In the process XXXX didn't receive adequate money from XXXX, and are now telling me that I owe them one month 's payment. Not only do I not owe them anything, but they owe me a payment that I overpaid by paying both XXXX and XXXX for the month of XXXX of XXXX. I have sent proof of payments, which were never delinquent, as all payments were done via autopay by XXXX   XXXX XXXX. Trace IDs were provided. 
Every time I call they say there isn't adequate proof of payment. Spoke to few managers who confirmed they have everything they need and should be able to process my refund, but nothing ever comes of it. Have recorded conversations. 
XXXX received payments on XXXX and XX/XX/XXXX, and XXXX received payments on XX/XX/XXXX and XXXX ( which is a double payment for 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 2020-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NC

Complaint narrative:
In XXXX I called XXXX XXXX XXXX to cancel my membership. 
After them not canceling it for 3 months and I contacted them every month about it I called my credit card company and disputed the charges saying they were charging me illegally. 

In the XXXX XXXX XXXX contract there is a section where you can check agree or disagree to continuing your membership on a month to month basis after the duration of your contract. I checked disagree. This would mean after my year membership I would 1. no longer be a member and 2. not pay anymore. They continued to charge me after a year violating the contract. 

I was working at XXXX XXXX XXXX at the time and my job was to sell memberships. I completed my own contract and specifically checked disagree. 

I tried to call Aldous & Associates on XX/XX/XXXX to discuss this. After telling one of their employees my situation they got rude and hung up the phone on me. I am sending them a written letter of formal disagreement today.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: FL

Complaint narrative:
Experian has refused to comply with FCRA and investigate fraud accounts that were opened without my knowledge or consent : 1. Accounts XXXX Account # XXXX 2. XXXX XXXX Account XXXX 3. XXXX XXXX XXXX  XXXX Experian falsely claims that I did not authorize my own complaint even though I provided all required information including last XXXX digits of my SSN, full name and date of birth AND attached an FTC identity fraud affidavit. Please have Experian comply with the credit reporting law.

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 2020-08-12 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: TN

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated.

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 2020-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
During a dispute regarding a fraudulent charge on my Citi credit card for supposed damages to a rental car, I was given explicit instructions several times regarding how to upload evidence, and specifically how to upload photos of evidence, what format these photos must be in, and how many photos to upload per email. I received a confirmation email that the evidence and photos had been received by Citi. During the escalation of the dispute, I had further conversations with Citi representatives confirming their receipt of evidence and photos. 
I then received and email for the Office of the President, Citi XXXX XXXX XXXX, Stating : We sent you a letter dated XX/XX/2020 requesting that you provide a specific response to the merchants claims. In addition, we explained photographs are not accepted. 
Because we did not receive the requested documentation, we have no further recourse to obtain credit from the merchant through the dispute process. 

This was responding to this complaint : I called Citi on XX/XX/XXXX and spoke to " XXXX '' at XXXX pm. She told me Citi hadn't looked at any of the evidence, that if a merchant " disputes the dispute then it is automatically reversed back to them, and I could appeal the decision by sending in the supplied letter signed and dated ''. EXPRESSLY stated in that letter was to NOT send any documents with the letter, but to send all my documents separately. I asked XXXX why they didn't even look at what I'd sent before making a decision, and why I'd need to re-send documents to the same address I had already sent them to. She put me on hold to speak to a supervisor and came back saying she could " open the documents and see everything, and I did NOT need to re-send anything ''. She told me Citi would be in touch with me if they needed any more information for their investigation. I received an email form Citi on XX/XX/XXXX thanking me again for my submission of the dispute details. 

So, either Citi 's XXXX XXXX XXXX is completely unaware of their own company 's dispute processes, or they are lying to me. I have also written directly to the Office of the President, and am waiting for a response.

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 2020-08-12 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: MS

Complaint narrative:
LOOKED AT MY CREDIT REPORT AND NOTICE INFORMATION WAS LISTING ME LIVING IN XXXX, TN AND ACCOUNTS OPEN AS WELL MY INFORMATION MUST BE APART OF A DATA BREACH CAUSE I LIVE IN XXXX, XXXX XXXX ACCOUNTS DO NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: MS

Complaint narrative:
LOOKED AT MY CREDIT REPORT AND NOTICE INFORMATION WAS LISTING ME LIVING IN XXXX, TN AND ACCOUNTS OPEN AS WELL MY INFORMATION MUST BE APART OF A DATA BREACH CAUSE I LIVE IN XXXX, MS THESE ACCOUNTS DO NOT BELONG TO ME.

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 2020-08-12 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: TN

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated.

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 2020-08-12 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 in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been trying to submit my disputed information and have been unable to do so online or by telephone. I have also sent several letters and still no reponse. I am currently a victim of ID theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: LA

Complaint narrative:
XXXX ; XXXX and Transunion should not be reporting that I am ( XXXX ) days late in XXXX, 2020 on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes to continue the investigation of my complaint. ) I contacted the dealership directly to defer a payment due to the COVID 19 lockdown. The customer service representative I spoke with said they would work with me on the deferment agreement and that no late would be reported. Unfortunately, the customer service representative lied and did not honor our arrangement. XXXX XXXX XXXX will consider payment deferrals on a case-by-case basis. Mot deferrals offered will be between XXXX XXXX XXXX days. This is per the COVID practices of XXXX. Clearly, I was within the ( XXXX ) day time frame. This false reporting of a late is seriously harming my credit score and this late needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-08-12 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: LA

Complaint narrative:
XXXX  ; Experian and XXXX  should not be reporting that I am ( XXXX ) days late in XXXX, 2020 on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report along with a copy of my XXXX XXXX XXXX XXXX XXXX  for identification purposes to continue the investigation of my complaint. ) I contacted the dealership directly to defer a payment due to the COVID XXXX XXXX. The customer service representative I spoke with said they would work with me on the deferment agreement and that no late would be reported. Unfortunately, the customer service representative lied and did not honor our arrangement. XXXX XXXX XXXX will consider payment deferrals on a case-by-case basis. Mot deferrals offered will be between XXXX XXXX XXXX days. This is per the COVID practices of XXXX. Clearly, I was within the ( XXXX ) day time frame. This false reporting of a late is seriously harming my XXXX XXXX and this late needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been trying to submit my disputed information and have been unable to do so online or by telephone. I have also sent several letters and still no reponse. I am currently a victim of ID theft

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 2020-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been trying to submit my disputed information and have been unable to do so online or by telephone. I have also sent several letters and still no reponse. I am currently a victim of ID theft

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 2020-08-12 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: GA

Complaint narrative:
I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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:
DECIDE TO MAKE A BIG MOVE AND BUY MY FIRST HOME. I KNEW I WANTED TO GO INTO A FIRST HOME OWNERS PROGRAM, DUE TO THEM BEING ABLE TO HELP YOU FINANCIALLY. AS I WAS SITTING WITH MY MENTOR SHE SAID MY CREDIT NEEDED TO BE PULLED. I KNEW I HAD A GOOD CREDIT SCORE SO I WAS NOT WORRIED ABOUT THAT BEING THE FIRST STEOP. OUT OF SURPRISE A BIG LIST OF ACCOUNTS I HAVE NEVER SEEN OR HEARD OF IN MY LIFE SHOWED UP. THOSE FRAUDULENT ACCOUNTS DO NOT BELONG TO ME. PLEASE REMOVE THESE THINGS FROM MY REPORT US DEPT ED XXXX {$3500.00} XXXX  XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX {$98.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: TN

Complaint narrative:
I have been a victim of Id ttheft and ive contacted the bureaus but have not received a response.

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 2020-08-12 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: TN

Complaint narrative:
I have been a victim of Id ttheft and ive contacted the bureaus but have not received a response.

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 2020-08-12 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: GA

Complaint narrative:
I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause

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