vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-31 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Spoke to XXXX XXXX XXXX About Removing the Late Payments from XX/XX/XXXX to XX/XX/XXXX. At that time, I faced a hardship. I was turned down from a Job I was recently hired for due to the Covid Virus Spreading and Starting the Worldwide Pandemic. I was unable to make payments. 

I Tried to pay What I could, but I Didnt get Hired for Another Job Until mid/late XX/XX/XXXX. I was then Able to catch up on my payments in Early XX/XX/XXXX. 

Being a Card Member since XXXX - and the pandemic - I Thought Theyd have some leniency. 
In XX/XX/XXXX I spoke to Customer Service Trying to Explain and Resolve the Issue. They Stated they Could have the Late Payment Fees ( {$38.00} per late month ) Removed for XX/XX/XXXX and XX/XX/XXXX, but Not the Actual Late Payment Mark itself on My Credit Reports. Even if all the late payment marks from XXXX couldn't be removed from my report, at least the Months of XX/XX/XXXX and XX/XX/XXXX Where they Forgave and Adjusted the late payment fees should have been. This is not the first time this has happened. 

Since I Caught Up on My Payments in XX/XX/XXXX, I have NOT been late since. I Made Another Phone Call to Customer Service Last Week ( XX/XX/XXXX XXXX. I was told again that the Late Payment Marks for XXXX could not be removed. I don't understand why. I Do Believe Its Unfair Only Due to the Fact That The World had Been forced into an Unforeseen Pandemic. I Have Also tried disputing it with no luck. 

The Late Payments are Hurting My Score That I am Actively Trying to Improve Everyday. Please have these derogatory marks Removed due to the Financial Hardship I Faced and The Federal Declared Disaster. I Have Also Been In Good Standing with On Time Payments and Will Continue to Do So.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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: TX

Complaint narrative:
Ive disputed inaccurate information multiple times with all bureaus to get the same result the two bankruptcys on my report are totally inaccurate and need to be removed immediately.Where is this information being verified? Between all bureaus the information is different names and reporting dates .Being said this grounds for removal per FCRA! Please Remove immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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: PA

Complaint narrative:
This Account for XXXXl XXXX XXXX and several other account are wrong sent a response two months ago and have to get a response. the card has inaccurate information reporting across 2 different bureaus which is a violation of FDCPA. I sent a dispute 2 months ago and received no response this is hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This Account for XXXX XXXX XXXX and several other account are wrong sent a response two months ago and have to get a response. the card has inaccurate information reporting across 2 different bureaus which is a violation of FDCPA. I sent a dispute 2 months ago and received no response this is hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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: NC

Complaint narrative:
XXXX XXXX - XX/XX/2019 Equifax XXXX - XX/XX/2019 Equifax XXXX - XX/XX/2019 Equifax XXXX - XX/XX/2019 Equifax XXXX - XX/XX/2019 Equifax XXXX - XX/XX/2019 Equifax XXXX XXXX AF - XX/XX/2019 Equifax XXXX - XX/XX/2019 Equifax XXXX - XX/XX/2019 Equifax XXXX - XX/XX/2019 Equifax XXXX XXXX XXXX - XX/XX/2019 Equifax XXXX - XX/XX/2019 Equifax XXXX - XX/XX/2019 Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
This company called LVNV is reporting on my credit profile and I do not have and contractual obligations with them. I have contacted several times about validating this debt that they say that I owe them. They have contacted relatives and they have contacted my employer stating that they are looking for me saying that I owe them. This is violation of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc.
State: LA

Complaint narrative:
HAVE WRITTEN THEM SEVERAL TIMES AND THE ACCOUNT WAS DELETED FROM MY CREDIT REPORT AND THEY READDED THE ACCOUNT BACK TO MY CREDIT REPORT. I HAVE BEEN GOING BACK AND FORTH WITH THEM FOR OVER 7 MONTHS AND THE ACCOUNT WAS NOT PROPERLY VERIFIED AND WAS OVER THE STATUE OF LIMITATIONS. THEY ARE ATEMPING TO COLLECT ON A DEBT THAT WAS DLETED AND I DID NOT GET A FIVE DAY NOTICE FOR THEM ADDING IT BACK TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC
State: AL

Complaint narrative:
I did not apply for credit with these companies. These companies are listed as inquiries on my report but I did not authorize them to pull mu credit 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 explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
THE COMPANY IS REPORTING A BANCKRUPTCY THAT IS INACCURATE AND I HAVE WRITTEN TO THEM FOR SEVERAL MONTHS ABOUT THIS PROPBLEM. THEY CLAIMED THAT THE COURT HOUSE VERIFIED THESE INACCURATE REPORTING AND I REACHED OUT TO THE COURT HOUSE AND THEY SENT ME A LETTER STATING THEY DID NOT GIVE OUT SUCH INFORMATION. I THEN SENT THEM THIS INFORMATION AND THEY STILL CONTINUED TO LEAVE IT ON MY CREDIT FILE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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: PA

Complaint narrative:
This Account for XXXX  XXXX XXXX and several other account are wrong sent a response two months ago and have to get a response. the card has inaccurate information reporting across 2 different bureaus which is a violation of FDCPA. I sent a dispute 2 months ago and received no response this is hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CarMax, Inc.
State: AL

Complaint narrative:
I have contacted these companies as well as XXXX  to get these matters resolve but they keep replying saying that inquiries are factual data that I authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I have contacted these companies as well as XXXX  to get these matters resolve but they keep replying saying that inquiries are factual data that I authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BAM Management US Holdings Inc.
State: TN

Complaint narrative:
Hello ... .. I wrote through this platform some weeks ago and I got a response after my complaint was forwarded to Binance.US and they sent me a mail saying the will up lift my withdrawal lock so I can get my money out of the company to pay for my XXXX and some days later I tried getting on my account and they are telling my account is banned for no reason which my money is on there is like they are trying to go away with my {$2400.00} for my XXXX ... .. its been months now and I to keep on postponing my XXXX cause I dont have any money for it all I got is on my Binance.US account and they want to rob me of my money thats such a bad company to put money on .... all I want is just for them to give me my money ... My ticket id is # XXXX on my Binance.US company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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: NC

Complaint narrative:
XXXX  Finance/Personal XX/XX/2019 TransUnion XXXX XXXX Automotive XX/XX/2019 TransUnion XXXX XXXX Finance/Personal XX/XX/2019 TransUnion Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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:
This accounts do not belong to me were opened without my consent or knowledgeThere are many errors within this listing. Please check the Date of Last Activity, Payment History, Payment Status and remove immediately or I will pursue further actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
I did not apply for credit with these companies. These companies are listed as inquiries on my report but I did not authorize them to pull mu credit 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 explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
I did not apply for credit with these companies. These companies are listed as inquiries on my report but I did not authorize them to pull mu credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: SC

Complaint narrative:
Today is XX/XX/2121 and my 5th closing date for a VA Streamline refinance, IRRRL, is finally XX/XX/XXXX. with Freedom Mortgage. We had to hire our own attorney to do title work because Freedom Mortgage decided that they wanted to put both the tracts of land under the current mortgage, including a tract of land that was fully paid as security for the mortgage. Because we did not want a fully paid tract of land to be included in the mortgage for the refinance, we had to hire an attorney to do the title work ( keeping in mind that the this property never changed hands and everything should be the same as the current mortgage and title. The 4th closing was cancelled because Freedom Mortgage had the fully paid tract of land, tract XXXX, included in the mortgage and the land where the house sits, tract XXXX was not in the documents! The title work was completed by our attorney and sent to Freedom Mortgage a month ago. Again the delays by Freedom Mortgage are beyond comprehension. This is supposed to be a simple refinance, with no changes other than the interest rate. I continue to pay 4 % on the current loan when we could have completed a refinance with any mortgage company and been paying 2.25 %. I have not applied to another company because rates have gone up and my rate was locked at 2.25 %. I feel like a prisoner in this process that will never end ( and for no good reason ). What is supposed to be a simple refinance, has been in process since the end of 2020, XX/XX/2020. Freedom Mortgages careless regard for their customer is defeating. I am trapped into waiting for refinance because of a rate lock and I continue to wonder if the loan will ever truly close. In the meantime, I continue to pay 1.75 % higher interest every day. Freedom Mortgage should be compensating us the difference for every day that the closing is delayed and there should be additional restitution for all of the stress they continue to cause due to their excessive delays. I want this loan to be closed. Freedom Mortgage should be refinancing the previous loan which included the house and land it sits on and no other land. As a mortgage company, they should know that they can not ask for our other fully paid land to be added to the mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CBC Companies, Inc.
State: AL

Complaint narrative:
Unauthorize inquiries on my credit report that XXXX refuse to investigate properly. I did not authorize these companies to pull my credit iinformation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc.
State: AL

Complaint narrative:
Unauthorize inquiries on my credit report that XXXX  refuse to investigate properly. I did not authorize these companies to pull my credit iinformation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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: Tower Loan of Mississippi, Inc.
State: AL

Complaint narrative:
I already had a loan with this company I had a XXXX XXXX on XX/XX/XXXX and this company pulled my credit on XX/XX/XXXX. I had XXXX on XX/XX/XXXX so who gave them permission to pull my credit. This is an unauthorize inquiry that I did not authorize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
OneMain Financial i never did anything with that I don't know why its popping up on my credit as hard inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I made a purchase that I had a transaction with. I opened a dispute since the merchant would not resolve things. After a few days, the merchant changed their mind and refunded me. I went to my bank and withdrew my dispute. Paypal then thinks I was refunded twice and STEALS {$110.00} USD from my account. I called Paypal and they claim my bank got the refund twice. I called my bank and they said this is false. I only got 1 refund and now paypal STOLE the refund money from my account. My credit card statement shows I only got 1 refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-31 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: GA

Complaint narrative:
This accounts do not belong to me were opened without my consent or knowledgeThere are many errors within this listing. Please check the Date of Last Activity, Payment History, Payment Status and remove immediately or I will pursue further actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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: GA

Complaint narrative:
This accounts do not belong to me were opened without my consent or knowledgeThere are many errors within this listing. Please check the Date of Last Activity, Payment History, Payment Status and remove immediately or I will pursue further actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Information obtained from Experian My former address has wrong dates

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