vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-09 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: CA

Complaint narrative:
XXXX formerly XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debt and have been reporting it on my credit reports. For the past 4 months, I have been requesting documents to support their claim. When I requested by law that they send me identifying documents to show that I owe this debt such as ID, Social Security Number, and contract bearing my signature, they have not done so ... No legal documentation at all! I don't understand how they get away with putting this on my credit ... No proof. In the midst of this, they are ruining my quality of life because they have put this item on my credit in the amount of {$9700.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 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: CA

Complaint narrative:
XXXX formerly XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debt and have been reporting it on my credit reports. For the past 4 months, I have been requesting documents to support their claim. When I requested by law that they send me identifying documents to show that I owe this debt such as ID, Social Security Number, and contract bearing my signature, they have not done so ... No legal documentation at all! I don't understand how they get away with putting this on my credit ... No proof. In the midst of this, they are ruining my quality of life because they have put this item on my credit in the amount of {$9700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 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:
The credit bureaus are reporting inaccurate/outdated/incomplete 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 2019-12-09 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: SC

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF 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 non-monetary relief
Consumer complaint received 2019-12-09 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: CA

Complaint narrative:
XXXX XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debt for the past 10 months. When I requested by law that they send me identifying documents to show that I owe this debt such as ID, Social Security Number, and contract bearing my signature, they have not done so ... No legal documentation at all! Their claim is Hearsay according to law so I don't understand how they get away with putting this on my credit ... No proof. The credit bureaus have not supplied any documents and seem to support XXXX XXXX XXXX even though they are not following credit laws. In the midst of this, they are ruining my quality of life because they have put this item on my credit in the amount of {$3400.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
For the last 9 months I have not been called by anyone from M & T bank. They reported a repossession on my credit even though the account shows as current in their system. I never missed a payment. XXXX XXXX and XXXX XXXX do not return calls and they do not give emails. My credit report has shown an incorrect repossession for more than 5 months. This is the worst customer service I ever witnessed in my entire life. Seems like the bank is participating in a conspiracy to intentionally destroy peoples lives.

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 2019-12-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: NY

Complaint narrative:
application for refinance, never ending. from loan estimate to several closing dates. they now have a new appraisal and took 3 weeks to pass the estimate to me. repairs are to be made [ outside ] now need a va wavier until spring. no response to email asking what to be done now. they simply don't reply and have cut off my phone. you can't call the main #. it appears they are unwilling to proceed with the loan. [ original application XX/XX/19 ]. have changed stories constantly. if they don't want the loan just say so, tell me why. it appears they are trying to run the clock out [ after they took another {$500.00} for an appraisal. 120 day mark not far away. no movement on their part and just make it up as they go. EXAMPLE : the va says appraisal can have 3 to 5 days after completion to notify me of finding. they took 3 weeks. hope this gives you an idea

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 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: SC

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF 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 2019-12-09 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: SC

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-09 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

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 2019-12-09 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: CA

Complaint narrative:
XXXX XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debt for the past 10 months. When I requested by law that they send me identifying documents to show that I owe this debt such as ID, Social Security Number, and contract bearing my signature, they have not done so ... No legal documentation at all! Their claim is Hearsay according to law so I don't understand how they get away with putting this on my credit ... No proof. The credit bureaus have not supplied any documents and seem to support XXXX XXXX XXXX even though they are not following credit laws. In the midst of this, they are ruining my quality of life because they have put this item on my credit in the amount of {$3400.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 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: CA

Complaint narrative:
XXXX XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debt for the past 10 months. When I requested by law that they send me identifying documents to show that I owe this debt such as ID, Social Security Number, and contract bearing my signature, they have not done so ... No legal documentation at all! Their claim is Hearsay according to law so I don't understand how they get away with putting this on my credit ... No proof. The credit bureaus have not supplied any documents and seem to support XXXX XXXX XXXX even though they are not following credit laws. In the midst of this, they are ruining my quality of life because they have put this item on my credit in the amount of {$3400.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

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 2019-12-09 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: EQUIFAX, INC.
State: SC

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-09 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: TX

Complaint narrative:
Despite disputing various inquiries with the creditors and all three credit bureaus, I get form letters that are not resolving the issue. I provided proof that I did not authorize the inquiries. There have not been any deletions of the erroneous information affecting my score and quality of life due to many inquiries. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2019-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
XXXX, my information was caught up in the XXXX breach. I have never done business with Jefferson Capital Systems. They have not responded to anything that I sent them in writing and this error or their end has damaged my credit which has effected my opportunity to get and apartment and advance in life. This was first reported on my account XX/XX/2019, it states that the account was opened in XX/XX/2019. I have not applied or opened anything with them. My Credit score has dropped tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Quick Summary : Wire transfer funds ( approx {$2500.00} ) stuck in intermediary/correspondent bank account ( Chase Bank, XXXX XXXX XXXX ; XXXX XXXX : XXXX ). Neither receiver or I have access to the funds. I need the funds to be refunded so that I can send them to the receiver 's beneficiary account which is based out of XXXX ( XXXX XXXX XXXX ). Both Chase bank ( intermediary account to which funds were sent ) and XXXX XXXX XXXX XXXX ( account from which funds were taken ) have repeatedly directed me to one another, stating " they would have to be the ones to handle that. '' I have spoken to upwards of 12 different employees across both banks since XX/XX/19, yet no one has been able to provide me with the concrete steps of this process, or provide me with any concrete assistance. 

Details : Funds were transferred via XXXX XXXX on XXXX ( Tracking # : XXXX XXXX XXXX ) from my XXXX XXXX account ( sender 's account from which funds were taken ) to the Chase account ( the intermediary account of the receiver 's bank where funds were deposited ). The receiver 's beneficiary account is XXXX XXXX XXXX located in XXXX, and they are not able to initiate the transfer from Chase ( correspondent 's account ) or reject it so that it is returned to me. At this point, funds are completely stuck in the correspondent bank account. 

Companies Involved/Steps Taken : XXXX XXXX : funds transferred from sender to receiver 's intermediary account through XXXX XXXX wiring service ; they stated that they are unable to refund funds that have already been deposited Chase Bank : Receiver 's intermediary account ; both wire transfer department and accounting department continue to direct me to XXXX XXXX and say there is nothing they can do on their end XXXX XXXX : Sender 's account ; both wire transfer department and accounting department continue to direct me to Chase and say there is nothing they can do on their end. They have also refused to reach out to Chase on my behalf or engage in a conference call, even though employees have done this before for me. 

XXXX XXXX XXXX : Receiver 's beneficiary account ; they stated that they have no access to the intermediary account with Chase, so they can not initiate or reject the transfer

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
I received a letter from a collection company I saying I have to pay them. Someone used my name and I filed a police report. The item I believe there revering to is an item that is charged off on my credit which its not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 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:
Despite disputing various inquiries with the creditors and all three credit bureaus, I get form letters that are not resolving the issue. I provided proof that I did not authorize the inquiries. There have not been any deletions of the erroneous information affecting my score and quality of life due to many inquiries. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2019-12-09 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: TX

Complaint narrative:
Despite disputing various inquiries with the creditors and all three credit bureaus, I get form letters that are not resolving the issue. I provided proof that I did not authorize the inquiries. There have not been any deletions of the erroneous information affecting my score and quality of life due to many inquiries. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SOLTUIONS XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 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: TX

Complaint narrative:
I have contacted the collection agency XXXX directly, as well as, Equifax, since XXXX, 2019 disputing the error that is being reported in the amount of {$1600.00} Account XXXX XXXX ... This is heavily affecting my quality of life. Neither the collection agency or the credit bureaus has provided me with a contract or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 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: Millco Management
State: DE

Complaint narrative:
Follow Up to Complaint/ XXXX AMERIFINANCIAL responded to my complaint by stating that they never recieved a request for validation.I am resending this request along with photo proof of my request to the address that has been provided ( XXXX XXXX XXXX XXXX , MD XXXX ) I am also sending HIPAA violation letters to each of the credit bureaus which include my intentions to pursue litigation if this matter is not resolved and the damage to my credit profile has not been repaired. 
ACCOUNT # XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: RI

Complaint narrative:
This account is for the house that I lived in and owned but was for a different unit. I purchased the house back in XXXX of 2017 and originally had utilities included. After realizing how expensive it was and having my tenant eventually move out I had the lease updated to reflect that the tenant would now be responsible for the utilities. It appears that the account was still used after they moved in without my knowledge. The tenants were responsible for their own utilities. I request it be removed. I called and they said this account had been sent to a collections company which was also down without my knowledge. I had already gotten this resolved with two other accounts they made the same mistake with for the same household.. I guess they missed this one. Now this is affecting my credit negatively which is problematic because I have goals and dreams that require an accurate depiction of my 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 2019-12-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Cottonwood Financial Ltd.
State: IL

Complaint narrative:
This collection company keeps calling saying I defrauded a company and I am going to jail. When I told them that their tactics to collect a debt were illegal the woman proceeded to tell me I was trash and I couldnt pay my bills and I was a bad mother. When I called back to speak to a manager I was told I was white trash and that I couldnt pay my bills and I was a bad mother. The. They hung up on me and refused to give me any of their I formation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 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: Greystone Alliance LLC
State: SC

Complaint narrative:
I was charged fraudulently over XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX. I finish lease rent was only XXXX a month.

Company response to consumer: Untimely response