vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: OR

Complaint narrative:
Our loan with Loan Depot, based in XXXX, New Jersey, was paid in full by XXXX on XX/XX/2020. According to this site, the company has 20 business days to refund us the excess escrow funds and overpaid payoff amount ( Loan Depot inflated our payoff by nearly {$5000.00} ). To date, we have not received any money owed us. I called Monday, XX/XX/2020 and spoke to a woman named XXXX, who said our check for {$6400.00} had been processed on Thursday, XX/XX/2020. She told me I should wait until Wednesday, XX/XX/XXXX. So we did, and no check was delivered. I called Loan Depot back today to say the check did not arrive, and the woman working from home in Arizona told me there was nothing they could do. My problem was now with the United States Postal Service. 
This is unacceptable! They charged me interest through XX/XX/XXXX, they should now owe me interest for every day beyond XX/XX/XXXX. Companies run poorly like this one could hold my money indefinitely and hide behind the problem being tp with the USPS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: NV

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report DEPTOFEDXXXX   XXXX {$4300.00} DEPTOFEDXXXX   XXXX {$3500.00} DEPTOFEDXXXX   XXXX {$12000.00} XXXX XXXX {$1300.00} XXXX XXXX {$850.00} DEPTEDXXXX XXXX {$4300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: AZ

Complaint narrative:
I have sent multiple dispute letters to each bureau in an attempt to remove fraudulent accounts off of my credit, I have been told I need to file a report with you guys for the bureaus to remove the accounts. Not too sure if thats a legitamite reason but im doing it! I am asking the bureaus to remove the items under 605B of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: CA

Complaint narrative:
I listed accounts I found on my credit record the accounts on file are fraudulent accounts those accounts not belongs to me this is a identity 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 2020-07-16 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:
On XX/XX/2020. Please refer to complaint XXXX I submitted a complaint to the CFPB in regards to Transunion and XXXX XXXX reporting an account incorrectly on my credit report. In a nutshell XXXX is reporting a delinquent account as a mortgage however the account was never a mortgage or a secure loan. Transunion responded to the complaint to say I needed to submit proof of address because my address did not match, which is not true.I am attaching proof that my address is the same on transuion website and in a letter they sent me last year. So how can they say my address is different. this is just a diseptive practice they have to discourage and deflect people from correcting their credit report. This is unfair practices and it need to be addressed. CFPB did not even research the answer they took what they said at face value and closed the complaint. I am filing another complaint to document my efforts to resolve this issue. I will attach the following. Original complain, proof of address. It may seem trivial to you all but this is hindering my lively hood.

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 2020-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
i have contacted all 3 credit bureaus in regards to incorrect information that is being reported on my credit report for the past several months and i've grown tired of this. i have written letters to all three credit bureaus to show me actual verifiable proof that this was indeed investigated and how it was verified and all 3 bureaus have failed to do so. and they continue to report incorrect inquires as well as accounts on my file. they are not following the FCRA guidelines and they should be legally bineded to do so!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: NC

Complaint narrative:
In XXXX XX/XX/XXXX, i requested my report from XXXX, XXXX  and Experian. Upon reviewing my reports, i noticed multiple errors and inaccurate information reporting on all three reports. On XX/XX/XXXX, I mailed letters to 2 of the 3 credit reporting agencies, by certified mail ; disputing erroneous items and inaccuracies due to it affecting my life financially and i requested validation of the debts with documentation to prove i am liable for these debts and i also requested that if they could not validate these debts that they delete them from my file. I am unable to receive the help i need due to the negligence of these companies. I received confirmation from both credit reporting companies that my disputes had been received. Experian confirmed receipt on XX/XX/XXXX and XXXX  confirmed receipt on XX/XX/XXXX. I received correspondences from both XXXX  and Experian before the 30 day expiration but it was not of the items i had disputed. They both provided me with a updated report with the same inaccuracies on it. XX/XX/XXXX, i sent another letter to each credit reporting agency certified, letting them know how they failed to investigate my disputed items and provide me with validation of the debt. They took no action at all on either of my disputes. Experian confirmed receipt on XX/XX/XXXX and have yet to respond as my credit report still has them erroneous items on it. And XXXX   confirmed receipt on XX/XX/XXXX and restarted the original investigation giving me another 30 days for me to wait on another investigation due to their negligence. The FCRA does not say credit reporting agencies have 60 plus days to investigate, however it does state that credit reporting agencies have 30 DAYS to investigate erroneous items disputed. IF they are unable to validate the debt during that period of time, the disputed items must be removed or i am able to take legal action and receive up to XXXX per disputed item. I retain all records, and communication with all the credit reporting agencies and am fully prepared to take legal action if this is not corrected.

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 2020-07-16 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: AZ

Complaint narrative:
I have sent multiple dispute letters to each bureau in an attempt to remove fraudulent accounts off of my credit, I have been told I need to file a report with you guys for the bureaus to remove the accounts. Not too sure if thats a legitamite reason but im doing it! I am asking the bureaus to remove the items under 605B of the FCRA.

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 2020-07-16 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: AZ

Complaint narrative:
I have sent multiple dispute letters to each bureau in an attempt to remove fraudulent accounts off of my credit, I have been told I need to file a report with you guys for the bureaus to remove the accounts. Not too sure if thats a legitamite reason but im doing it! I am asking the bureaus to remove the items under 605B of the FCRA.

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 2020-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
On XX/XX/2020 {$560.00} was taken out of my impound account for no reason given, from Amerihome mortgage company. In XX/XX/2020 when I saw my statement, I saw this error of money taken out. I called them and they told me it was an error and I will be refunded. In XX/XX/2020 no refund arrived. I called back and was told the ( check # XXXX ) was sent out but never cashed. I told them I never received it, they said they will send out a replacement check. In XX/XX/2020 I never received that replacement check, when called back and was told the replacement check would be sent out on XX/XX/2020. Today is XX/XX/2020 and still no replacement check for the {$560.00} that was taken out of my impound account with no explanation ( only calling it misc. and no understanding where that money went ) I would like help in getting back my {$560.00} that was taken wrongfully from my account and I did not agree.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: CA

Complaint narrative:
I listed accounts I found on my credit record the accounts on file are fraudulent accounts those accounts not belongs to me this is a identity 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 2020-07-16 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: CA

Complaint narrative:
I listed accounts I found on my credit record the accounts on file are fraudulent accounts those accounts not belongs to me this is a identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: NV

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report XXXX  XXXX {$4300.00} XXXX  XXXX {$3500.00} XXXX   XXXX {$12000.00} XXXX XXXX {$1300.00} XXXX XXXX {$850.00} XXXX  XXXX {$4300.00}

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 2020-07-16 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: NV

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report DEPTOFEDXXXX   XXXX {$4300.00} DEPTOFEDXXXX XXXX {$3500.00} DEPTOFEDXXXX   XXXX {$12000.00} XXXX XXXX {$1300.00} XXXX XXXX {$850.00} DEPTEDXXXX   XXXX {$4300.00}

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 2020-07-16 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:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX  XXXX  XXXX {$560.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: FL

Complaint narrative:
i have contacted all 3 credit bureaus in regards to incorrect information that is being reported on my credit report for the past several months and i've grown tired of this. i have written letters to all three credit bureaus to show me actual verifiable proof that this was indeed investigated and how it was verified and all 3 bureaus have failed to do so. and they continue to report incorrect inquires as well as accounts on my file. they are not following the FCRA guidelines and they should be legally bineded 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 2020-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
i have contacted all 3 credit bureaus in regards to incorrect information that is being reported on my credit report for the past several months and i've grown tired of this. i have written letters to all three credit bureaus to show me actual verifiable proof that this was indeed investigated and how it was verified and all 3 bureaus have failed to do so. and they continue to report incorrect inquires as well as accounts on my file. they are not following the FCRA guidelines and they should be legally bineded 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 2020-07-16 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX XXXX  XXXX {$560.00}

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 2020-07-16 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX XXXX XXXX {$560.00}

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 2020-07-16 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:
I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: AR

Complaint narrative:
I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off 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 2020-07-16 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: AR

Complaint narrative:
I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off 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 2020-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems
State: LA

Complaint narrative:
I got a derogatory mark on all my three credit report stating this account got sent to collections. However, I do not have no knowledge of this debt and, that it does not belong to me. I would like to address this immediately and get this negative remark remove from my report. The account was removed and now has being reinserted back onto my credit report without my knowledge of this account. I've proof of account showing deleted and reappearing. I have no contractual agreement with this company Midwest Recovery Systems and I revised this to be send back to the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: PA

Complaint narrative:
I mailed in a dispute letter to Transunion  Consumer Services, asking them to verify inaccuracies that are listed on my credit report. 

My initial dispute letter was mailed to Transunion on XX/XX/2020 by certified mail. The letter was received by Transunion on XX/XX/2020 at XXXX. ( Certified Mail tracking slip attached ) Tracking number : XXXX In the letter, I disputed 2 collection accounts and 1 charge off account. I received communication from Transunion regarding my dispute on XX/XX/2020 informing me that they have received my dispute and are currently investigating the inaccuracies and will let me know of the results of the investigation. As a result, one collection account was removed, but then the other disputed items were only verified as " accurate ''. In my dispute letter, I clearly stated that I need physical proof and documentation of the verification of these accounts, NOT just wording that " states '' the information is accurate. The results gave no clear indication or documentation of how these accounts were verified. They provided no information regarding who they talked to, what documentation/contracts they have in their file to prove my accountability for these accounts. All they sent me was an updated copy of my credit report. Very disappointing! 

Moving forward, on XX/XX/2020 I mailed another letter to Transunion by certified mail. Tracking number XXXX. Requesting information and proof on their methods of verification. The letter was received by Transunion on XX/XX/2020 at XXXX. In the letter I clearly stated a timeline of only 15 days to send me verifiable proof/documents of the accounts that were still in question from dispute # 1. 15 days has since passed and I have not received any correspondence back from Transunion nor any updates to my credit report. I am extremely disappointed in the dispute process by Transunion and I want this information off my credit report, before I pursure legal action.

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