vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-18 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: LA

Complaint narrative:
I've been disputing my credit file with XXXX, XXXX  and Equifax  to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts listed in this complaint. The inaccurate accounts has either not been investigated, no notice of dispute recorded, verified but still reports inaccurately, duplicate collection accounts, Re-Aged accounts ... ... Moreover the open accounts Payment data history does not coincide on any accounts, Revolving accounts creditor remarks reports amount in H/C column is credit limit. Revolving account high balance does not coincide. Last payment does not coincide, Equifax does not report my monthly payments made in the historical payment data history on any of my accounts. This type of recording is negative and damaging to my credit score and report and is in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: PA

Complaint narrative:
I have hard inquiries showing on my credit report that doesnt belongs to me. I did not give these creditors permission to pull my credit report and Im sure that these inquiries are a result of fraudulent activity or inaccurate reporting by the creditor burea. I have try to dispute this incorrect information with the credit bureaus and have not heard anything back regarding this issue. Ive even filed an identity theft report with the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: PA

Complaint narrative:
I have hard inquiries showing on my credit report that doesnt belongs to me. I did not give these creditors permission to pull my credit report and Im sure that these inquiries are a result of fraudulent activity or inaccurate reporting by the creditor burea. I have try to dispute this incorrect information with the credit bureaus and have not heard anything back regarding this issue. Ive even filed an identity theft report with the Federal Trade Commission.

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 2021-06-18 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: CA

Complaint narrative:
My credit was pulled without my consent by " XXXX XXXX '' on XX/XX/2020. I called them as soon as i saw an inquiry alert on my phone. I wasn'y bounded around to 4 departments, and they said they would remove the inquiry from my credit report and to wait 30-60 days. i waited and called back, this time they could not find the application that had my info, but i didn't stop until someone could see, this person apologized and said they would fix, and that an account was opened but it was not my name, so maybe someone type a SSN that happened to be mine, but they would fix. I checked today and not fixed and its ben 12 months.

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 2021-06-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: GA

Complaint narrative:
American Profit Recovery , Inc. is falsely harassing me and trying to collect {$72.00} + Interest despite, I have clearly explained why I do not owe any money to their client by a letter on XX/XX/21. Can you please help me stop this harassment as they do not seem to understand.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
In XX/XX/2020 I was approved for a forbearance. I was informed one of the options was at the end of forbearance, they would just add the payments to the end of the loan. Each quarter they would contact me and using emotional blackmail, convinced me to continue the forbearance. Also, I wasn't making enough money to cover, so why not? 
What they failed to tell me was the principal doesn't change and they entire years worth of payments would be added onto my principal. For instance, in XX/XX/2020 my remaining balance was ( I'll round up ) XXXX. The payoff on my statement shows XXXX. My payoff if I were to refinance or sell the house is now XXXX. Why in hell would I ever approve an extra ( actual net XXXX ) increase in my principal? If my balance was XXXX, how does it now increase? They never explained that when I asked. Their paperwork does not state. 
I get it, I wasn't making payments as part of the forbearance, but the principal if I were to refinance is not XXXX higher? Thats like three card XXXX. 
The agent told me I am paying down the principal, yes no $ hit, I'm on my 3rd mortgage payment since I got a new job in XXXX. If I had known, I would have exasperated my savings, or worked 3 jobs, oh right, there was a pandemic, there were no jobs. 
Sorry. I digress. This was predatory because of my last name. 
What can I do?

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 2021-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WSFS FINANCIAL CORPORATION
State: DE

Complaint narrative:
This was a joint account with the bank, and wasn't aware I owed the debt. This was recently paid on XX/XX/21 and the amount of {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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  - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX 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 2021-06-18 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Grant Mercantile Agency
State: CA

Complaint narrative:
XXXX XXXX was told by XXXX  XXXX XXXX that he was covered for a medical procedure by his healthcare provider XXXX. Relying on this information Mr. XXXX proceeded with a voluntary non-emergency procedure that he would not have undergone had he been told was not covered by insurance. 

Months after the procedure was completed he was surprised to receive a bill for the cost of procedure by XXXX  XXXX XXXX stating that his insurance did not cover the bill. Mr. XXXX reached out to XXXX to try and resolve the issue, but no response has come. 

Now Mr. XXXX has discovered that Grant Mercantile Agency has reported that he has not paid the XXXX XXXX XXXX  for his procedure, which is on his credit report. However, there is no judgment reflecting the accuracy of this amount etc. Furthermore, Mr. XXXX would never have undergone the procedure had XXXX  XXXX XXXX not mislead him into believing that his insurance would cover the procedure. 

In summary, XXXX XXXX XXXX should work with XXXX to get paid anything it is owed. It can not tell patients they are covered by insurance to induce them to get procedures, then bill them if they are not actually covered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I have had some issues with someone accessing my credit file and using my personal information and at this time I would like to request a credit freeze/ Block all access to my file and contact me directly at my phone XXXX or email me at XXXX. I need a PIN for all my credit reports asap. 
I found some incorrect accounts that are listed wrong on my credit file : 1.XXXX XXXX XXXX XXXX XXXX, I have never filed a Chapter XXXX or XXXX bankruptcy. 
2.XXXX  XXXX XXXX  XXXX # XXXX 3.XXXX # XXXX 4.XXXX # XXXX 5.XXXX XXXX XXXX # XXXX 6.XXXX # XXXX 7XXXX XXXX # XXXX 8XXXX XXXX XXXXXXXX # XXXX XXXX XXXX  # XXXX THERE ARE SEVERAL ADDRESSES THAT DO NOT BELONG TO ME ON MY CREDIT FILE PLEASE DELETE THEY ARE NOT CORRECT : XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH 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 2021-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
hi my name XXXX XXXXXXXX XXXX live in XXXX XXXX XXXX XXXX XXXX XXXX ga, today i am wrinting to cfbp on this credit refort. i am try to talk to XXXX about 2 month now i still not getting anywhere. in this is all company that pot in my credit report all hard inquiries that i only one to check to see am i qaolify or not .what i understand that if sofrt inquiries.that they are not in hard .but soft here some of the company 2 XXXX XXXX XXXX on my XXXX  XXXX  XXXX XXXX XXXX tx XXXX they have 2 in there in one month i wan them of 2 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  de XXXX same thing i tall them to take of but they not do it XXXX XXXX  XXXX XXXX XXXX  de XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXXca XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX az XXXX all this company i talk too they tell me nothing they can do only credit bereu can take is of they cant sol today i talk to XXXX  agian XX/XX/2021 the bereau toll me they cant do anything

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 2021-06-18 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: TX

Complaint narrative:
Upon reviewing my credit report I came across unauthorized inquiries on my TransUnion credit report. I contacted XXXX XXXX  and they said there is no record on their end. I also contacted XXXX XXXX and they said to send a letter stating that the inquiry was fraudulent, I did that as well but no action has been made. They still seem to show up on my credit report. 

1. XXXX XXXX XXXX  XX/XX/XXXX 2. 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 2021-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Someone took money from my Citibank account of My corporation and used it to pay XXXX XXXX i have no idea who these individuals are. 


I informed citibank of the fraud they said they will provide an affidavit of fraud so i can take to the precinct they did not its been 60 days. Citibank says they will give the money bank if it is fraud. Citibank says they sent XXXX a request and that amex did not respond. 
XXXX responded to me when I called and provided a Fax number XXXX to send the Fraud claims to .Citibank has not done so or XXXX would have taken care of it. 
Citibanks was left numerous messages to there advestised phone number and they never returend 1 phone call It is a black hole for customer service this is why i was never notified of the fraud when it happened. 

They need to return the fraudulent charged amount of {$44000.00} I need to contact them through the XXXX XXXX XXXX to get a generic response. 
not being able to reach XXXX is a joke

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 2021-06-18 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: LA

Complaint narrative:
I've been disputing my credit file with Transunion, XXXX  and XXXX  to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts listed in this complaint. The inaccurate accounts has either not been investigated, no notice of dispute recorded, verified but still reports inaccurately, duplicate collection accounts, Re-Aged accounts ... ... Moreover the open accounts Payment data history does not coincide on any accounts, Revolving accounts creditor remarks reports amount in H/C column is credit limit. Revolving account high balance does not coincide. Last payment does not coincide, XXXX  does not report my monthly payments made in the historical payment data history on any of my accounts. This type of recording is negative and damaging to my credit score and report and is in violation.

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 2021-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In 2016, I had a {$24.00} charge on a XXXX credit card but for 3 months the billing dept. was sending the statement to the wrong address. When I finally received & promptly paid it & closed the account, it had already been reported to the credit bureaus as " 3 months late ''. 
As soon as I saw that on the reports I contacted all 3 bureaus & XXXX to correct the error. XXXX & XXXX  made the correction but not Experian as it still shows on that report as of today although I had disputed it several times since it happened. Last week I submitted another dispute and was told it would take about 30 days to process. 
An Experian agent explained that reports from the 3 bureaus may have different info because they have different policies even though they're dealing with the same data. Whatever their policies may be, all 3 should be consistent with their conclusions because the info on people 's credit may have negative & serious impacts on their lives. Since your agency has jurisdiction over all 3 bureaus, this issue needs to be resolved through your efforts.

Please let me know how it is being dealt with. 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 non-monetary relief
Consumer complaint received 2021-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Started refinancing with original lender, Chase. Chase started the refinancing by charging {$500.00} good faith deposit. 

After submitting all required documents, was conditionally approved. This is when the progress stalled. Chase became unresponsive. Called multiple people on my loan team, nobody answered. Asked questions on their web dashboard, nobody answered. 

After a month or so, I gave up and contacted different lender. Chase finally responded when I told them I want to cancel. Chase refused to refund the initial deposit, even though Chase did not provide the service it promised. Chase cites their Application Disclosure, which I have signed : > * If your application is denied, these funds will be returned to you minus the amount of any out-of-pocket expenses incurred on your behalf. A conditional approval or request for additional information is not a denial. 
XXXX XXXX XXXX Except where required by state law, these funds are not refundable if you withdraw your application or if we cancel your application because you didn't provide required documents to us in the time period we indicated. 

However, I only cancelled my application because Chase was neglecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion Credit Reporting Agency ; Transunion refuses to remove a fraudulent Mortgage from my credit report. All other Credit Reporting Agencies has removed this fraudulent Mortgage from my credit report. I have submitted Police Reports, Affidavits, Identity Theft Affidavits and other information regarding my identity theft claim. But, Transunion refuses to remove the account. This issue has been going on since 2019.

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 2021-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
We opened an account with Citibank and deposited a check from my mother and Citibank had already taken the money out of her account and apparently put a hold on my account and said there was fraud investigation. They've held the funds for over 13 business days as well as their customer service is horrible I've been on hold for the past 40 minutes trying to get my account unlocked and apparently they hung up on me and they refused to lift the hold and give me my money and close the account

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 2021-06-18 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: National Credit Adjusters, LLC
State: OH

Complaint narrative:
This is my second dispute and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I donot recall doing business or applying for accounts with the following : -XXXX XXXX XXXX # XXXX -NCA # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: Sequium Asset Solutions, LLC
State: OH

Complaint narrative:
This is my second dispute and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I donot recall doing business or applying for accounts with the following : -XXXX XXXX XXXX # XXXX -XXXX  # XXXX* -SEQUIUM ASSET SOLUTIONS INC # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 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: TX

Complaint narrative:
Date- XXXX-2021 To Whom It May Concerns : I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

Sincerely, 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