vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-04 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On Monday, XX/XX/2022, I received an alert from XXXX XXXX that there were a few hard inquiries that had been added to my credit report. These are the inquiries that were added : XXXX Credit : XX/XX/2022 - XXXX  - New Credit Inquiry XX/XX/2022 - AMEX - XXXX XXXX XXXX XXXX XXXX : XX/XX/2022 - XXXX - Card Service - New Credit Inquiry XX/XX/2022 - XXXX - New Credit Inquiry I have called all of the credit card companies listed and reported the fraud but was informed that no new accounts had been opened. I am assuming someone tried to open several cards in my name, but they were thankfully unsuccessful. 

However, the hard inquiries are still on my credit report, and XXXX and XXXX can not remove them until I have filed a dispute. I would like to have them removed immediately. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-04 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On Monday, XX/XX/2022, I received an alert from XXXX XXXX that there were a few hard inquiries that had been added to my credit report. These are the inquiries that were added : XXXX Credit : XX/XX/2022 - XXXX - New Credit Inquiry XX/XX/2022 - XXXX - XXXX XXXX XXXX XXXX XXXX : XX/XX/2022 - JPMCB - Card Service - New Credit Inquiry XX/XX/2022 - XXXX  - New Credit Inquiry I have called all of the credit card companies listed and reported the fraud but was informed that no new accounts had been opened. I am assuming someone tried to open several cards in my name, but they were thankfully unsuccessful. 

However, the hard inquiries are still on my credit report, and XXXX and XXXX can not remove them until I have filed a dispute. I would like to have them removed immediately. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-04 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't 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 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 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 severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: CO

Complaint narrative:
after purchasing my home, I lost my job due to COVID in XX/XX/XXXX. I then encountered XXXX XXXX so I called my mortgage company asking for assistance, XX/XX/XXXX. They instructed me that I will need to complete a full loss mitigation application. I started the process and completed the required documentation. Later I received a denial because too much time had past and my documentation submitted was outdated. XX/XX/XXXX. I re-submitted and was asking to provide additional documentation and letter of explanation for all deposits to my account. I provided that. I received a letter of denial because application was incomplete. XX/XX/XXXX. 

I called asking for details on application and what was needed. The request was re-opened and additional documentation was provided. XX/XX/XXXX. I was then asked to provide statements for my daughter 's, a dependent, checking account. I uploaded her statements. In XX/XX/XXXX, I received a letter that my mortgage was in foreclosure. 
I have called 22 times in the month of XXXX, and 3 in the month of XXXX. 

I have learned that because my hardship was due to COVID, I should not have had to go thru this entire process. It could have been streamlined. I have requested forbearance under the Federal CARES Act on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: IA

Complaint narrative:
After reviewing my most recent credit report I see an account listed for XXXX XXXX, however I see that the information listed for that account is incorrect and such incorrect information will further increase the negative impact on my credit scoring which is unfair to me as a consumer. Equifax has this account listed with incorrect DATE OF LAST PAYMENT of XX/XX/XXXX & DATE OPENED of XX/XX/XXXX. Why has Equifax not conducted the correct due diligence in reporting this account, their actions either negligent or willful misconduct can have caused an unnecessary further damage to my credit report and overall credit scoring.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Please see attached letter from JP Morgan Chase Bank, NA it mentions two things I have not addressed which is first, the date Chase states I stopped making payments. Let me clear this up. On XX/XX/XXXX My document expert proved with the 183 5B affidavit that Chase ( does have in its possession ) that not only the Mortgage AND the Promissory Note are PhotoCopied but are as well as being Forged. Once I got this proof of fraud my last payment into this fraudulent and predatory alleged loan was NOT on XXXX of XXXX as Chase states in the letter. ( see attached )!!! In fact at the very time of the document experts affidavit of fake documents I did in fact on XXXX of XXXX stop paying on this fake/predatory alleged loan AFTER I got this Evidence of Fraud on XX/XX/XXXX. Second issue to address here is that this letter also states that Chase is transferring my property ( or abandonment-This Never happened ) Neither are true. I have been living in this property since XX/XX/XXXX and have NO INTENTION of moving out. It is my ONLY home of XXXX yrs. I am XXXX yrs old, XXXX, indigent, high school only education and recently had XXXX XXXX. I NEVER ABANDONED MY PROPERTY NOR DO I AGREE TO ANY TRANSFER OF IT!!! I DO NOT AGREE TO ANY TRANSFER!!!! More lies by Chase to try and steal my home for profit illegally. I have paid XXXX since XXXX on a {$72.00} predatory/fraudulent alleged loan. This is near 3 Times paid off and because it is fraud I WANT ALL MY MONEY BACK SINCE XXXX including all of the fake fines, fees, charges, interests, and etc.. charged me illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint 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 explanation
Consumer complaint received 2022-04-04 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't 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 719transunion has me at a score around 590. 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 im XXXX  n cant provide to my XXXX  XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.

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 2022-04-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX / {$0.00} / XX/XX/2020

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 2022-04-04 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: TX

Complaint narrative:
I spoke to a rep from each bureau, XXXX, Equifax, and the third one XXXX. Each rep advised me to file an FTC identity theft report back early XXXX. I did just that and submitted everything they asked for via CERTIFIED MAIL on XX/XX/2022. The fraudulent inquiries are still on my credit report and they have not even responded. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc.
State: OK

Complaint narrative:
I have been going back and fourth with this debt collection company for almost a year now. I've reached out to the Credit Reporting Agency and the companies themselves! I've filed a XXXX  complaint, FTC Complaints and sent numerous letters and everything. But still nothing is happening at all it is still on my credit report. They sent me statements and bills with a completely different name and i told them that this is not my account, i never received any goods or products nor have i personally ever made a payment to this company on my account. This is causing me stress and really hurting my reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX XXXX XXXX XX/XX/2020

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 2022-04-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
Paid off my car in XXXX with Citizens Bank. I have yet to recieve a release form so I can go to Secretary of State. I called XX/XX/XXXX and again XX/XX/XXXX. I've also called today. The first call in XXXX said they would mail a title. The call in XXXX said based off my state that's impossible and that it would take 10 to 14 days. Now it's XXXX and still no release of title form.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
On Monday, XX/XX/2022, I received an alert from XXXX XXXX that there were a few hard inquiries that had been added to my credit report. These are the inquiries that were added : XXXX Credit : XX/XX/2022 - BRCLYSBANKDE - New Credit Inquiry XX/XX/2022 - XXXX - XXXX XXXX XXXX XXXX XXXX : XX/XX/2022 - XXXX - Card Service - New Credit Inquiry XX/XX/2022 - XXXX  - New Credit Inquiry I have called all of the credit card companies listed and reported the fraud but was informed that no new accounts had been opened. I am assuming someone tried to open several cards in my name, but they were thankfully unsuccessful. 

However, the hard inquiries are still on my credit report, and XXXX and XXXX can not remove them until I have filed a dispute. I would like to have them removed immediately. 

Thank 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 explanation
Consumer complaint received 2022-04-04 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: CITIBANK, N.A.
State: TX

Complaint narrative:
On Monday, XX/XX/2022, I received an alert from XXXX XXXX that there were a few hard inquiries that had been added to my credit report. These are the inquiries that were added : XXXX Credit : XX/XX/2022 - XXXX - New Credit Inquiry XX/XX/2022 - XXXX - XXXX XXXX XXXX XXXX XXXX : XX/XX/2022 - XXXX - Card Service - New Credit Inquiry XX/XX/2022 - CBNA - New Credit Inquiry I have called all of the credit card companies listed and reported the fraud but was informed that no new accounts had been opened. I am assuming someone tried to open several cards in my name, but they were thankfully unsuccessful. 

However, the hard inquiries are still on my credit report, and XXXX and XXXX can not remove them until I have filed a dispute. I would like to have them removed immediately. 

Thank 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 explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
contact to the original credit and credit bureaus. 
XX/XX/XXXX XX/XX/XXXX 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 2022-04-04 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: TX

Complaint narrative:
On Monday, XX/XX/2022, I received an alert from XXXX XXXX that there were a few hard inquiries that had been added to my credit report. These are the inquiries that were added : Transunion Credit : XX/XX/2022 - XXXX XXXX  New Credit Inquiry XX/XX/2022 - XXXX - XXXX XXXX XXXX XXXX XXXX : XX/XX/2022 - XXXX - Card Service - New Credit Inquiry XX/XX/2022 - XXXX - New Credit Inquiry I have called all of the credit card companies listed and reported the fraud but was informed that no new accounts had been opened. I am assuming someone tried to open several cards in my name, but they were thankfully unsuccessful. 

However, the hard inquiries are still on my credit report, and Transunion and XXXX can not remove them until I have filed a dispute. I would like to have them removed immediately. Thank 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 explanation
Consumer complaint received 2022-04-04 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: TX

Complaint narrative:
On Monday, XX/XX/2022, I received an alert from XXXX XXXX that there were a few hard inquiries that had been added to my credit report. These are the inquiries that were added : XXXX Credit : XX/XX/2022 - XXXX  - New Credit Inquiry XX/XX/2022 - XXXX - XXXX XXXX XXXX Equifax XXXX : XX/XX/2022 - XXXX - XXXX XXXX - New Credit Inquiry XX/XX/2022 - XXXX  - New Credit Inquiry I have called all of the credit card companies listed and reported the fraud but was informed that no new accounts had been opened. I am assuming someone tried to open several cards in my name, but they were thankfully unsuccessful. 

However, the hard inquiries are still on my credit report, and XXXX and Equifax can not remove them until I have filed a dispute. I would like to have them removed immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: MN

Complaint narrative:
- Account holder passed on XX/XX/XXXX - I was nominated as personal rep of the estate via the court approved will and a letters testamentary effective XX/XX/XXXX - At the time I was named personal rep of the estate, account was held by XXXX XXXX - Provided documentation showing me as personal rep to XXXX XXXX and was added to account - XXXX XXXX mortgage service transferred to XXXX XXXX  from XXXX XXXX. I continued to receive mortgage statements each month since transfer occurred. 
- XX/XX/XXXX - received tax statements from XXXX Mortgage - XX/XX/XXXX - Filed final accounting for estate with court ( estate funds on freeze until approved by court through hearing meaning I was not able to make payments ) - XX/XX/XXXX - XX/XX/XXXX - Received multiple calls and made numerous calls to XXXX XXXX  to regarding delinquency and updating on status of estate. No issues at these times. 
- XX/XX/XXXX- XXXX approved closing estate to fund trust. Informed XXXX and had no issues accessing account at this time. 
- XX/XX/XXXX -received email and phone call from XXXX XXXX Called back to provide an update that trust has been funded and delinquent amounts will be paid in the next couple of days and was informed I am not authorized on account. A couple of issues to be addressed : 1 ) If I am not authorized to provide updates on the account, why would they be sending me monthly statements and tax documents or calling me about delinquency? This is a huge concern with their servicing process.

2 ) I provided all documentation showing court approval prior to account being transferred to a new servicer. Servicers should be transferring this information between one and another - this should not be left on the consumer to re-complete work because of flaws in an internal process.

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