vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-18 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: CA

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself. I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I sent letters to TransUnion XXXX XXXX the date of the last letter was on XX/XX/2021 and I have not received any response up to this date. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Please delete the following accounts : ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Chapter XXXX Bankruptcy XXXX XX/XX/2019 Chapter XXXX Bankruptcy XXXX XX/XX/2019 According the 15 usc 1681 ( a ) ( 4 ). There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Also, 15 usc 1681b ( a ) ( 2 ) states In accordance with the written instructions of the consumer to whom it relates. No written instructions were given. 
XXXX, Experian, XXXX and XXXX XXXX have egregiously violated my rights to privacy and as a consumer and Permissible purposes of consumer reports. I demand that these be removed from my credit report immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: MD

Complaint narrative:
I am a victim of identity theft. I have attached my affidavit from the ftc website.

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 2021-11-18 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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXXXXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX Balance Owed : {$330.00} Date Opened : XX/XX/XXXX XXXX XXXX  XXXX Balance Owed : {$24.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$84.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Owed : {$3600.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX****Balance Owed : {$2300.00}

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 2021-11-18 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself.This item is reporting late, yet it is closed and the balance is zero. Lets correct this immediately. I sent letters to Equifax XXXX XXXX, the date of the last letter was on XX/XX/2021, and I have not received any response up to this date. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Equifax is required to verify for themselves, but they failed to neither verify nor update me about this complaint Please delete the account : ( XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: CA

Complaint narrative:
On XX/XX/2021 I have sent a dispute letter to Equifax. My dispute letter included clear reasons of why I was disputing the five accounts that I was disputing. I also included clear instructions for each item that was to be in dispute. I included clear identification and enough information so Equifax was able to identify me. 

Equifax has a legal obligation to conduct a reasonable investigation within 30 days. Equifax has knowingly refused to do the investigation they are obligated to conduct. 

Today, XX/XX/XXXX I will be mailing another letter to Equifax. My letter will be a request for them to follow their obligations under these circumstances as written in the Fair Credit Reporting Act. 

Letters attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXXXXXX XXXX Date Updated : 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 non-monetary relief
Consumer complaint received 2021-11-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: EQUIFAX, INC.
State: VA

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Equifax was hacked. They exposed my personal information. When I filed a claim they took exception and now have hosed my personal credit score and are keeping it artificially low. Nothing I do including paying off ALL my credit card debt several months ago has increased my score with equifax to where it should be. Even as a I write this they list my score in the XXXXs whereas XXXX has reported far more accurately during this whole time and has my score over XXXX. ( I recently got two new cards so a drop was expected on my part ) but over XXXX points by equifax is beyond the pale. At one point XXXX weeks ago my scores were excellent ( over XXXX ). Complaining to equifax is just not going to do anything for me since even you must know large companies just squish people like me and dont care about us at all. They dont care how their acts cause any human to suffer instead of making some effort to help after they allowed my info to be stolen and traded on the dark web they just treated me like XXXX. Filing a law suit is just out since without access to some unrecoverable internal communication it would go no where and just cost me money I cant afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2021 I have sent a dispute letter to Experian. My dispute letter included clear reasons of why I was disputing the five accounts that I was disputing. I also included clear instructions for each item that was to be in dispute. I included clear identification and enough information so Experian was able to identify me. 

Experian has a legal obligation to conduct a reasonable investigation within 30 days. Experian has knowingly refused to do the investigation they are obligated to conduct. 

Today, XX/XX/XXXX I will be mailing another letter to Experian. My letter will be a request for them to follow their obligations under these circumstances as written in the Fair Credit Reporting Act. 

Letters attached to this complaint.

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 2021-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
I have had a loan with Santander consumer USA and the purchase price on vehicle was XXXX I have paid on this vehicle over 6 years and still owe XXXX dollars my payment are XXXX I have pod over XXXX and am unable to pay off with interest occurring i believe this is a predatory loan I have had this loan since XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: MD

Complaint narrative:
I am a victim of identity theft. I have attached my affidavit from the ftc website.

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 2021-11-18 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: MD

Complaint narrative:
I am a victim of identity theft. I have attached my affidavit from the ftc website.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: CA

Complaint narrative:
I am applying for a refinance of my income property. I have submitted all statements, proof and information XXXX has asked for including direct access to my income taxes. There was only one item that I had questioned. They want me to sign a Third Party Authorization Form that covers a large list of items that they told me they do not need, " the amount and source of the down payment, employment and income information, and assets and liabilities. '' and " I/We authorize you to provide to Lender and to any investor to whom Lender may sell my mortgage, and to the mortgage guaranty insurer ( if any ), any and all information and documentation that they request. Such information includes, but is not limited to, employment history and income ; bank, money market, and similar account balances ; credit history ; and copies of income tax returns. '' I asked the Manager on my account if the form could specify an end date on the document and if the form could list what they wanted access to more precisely, before I signed it. They denied both these requests via email, at first stating they could not legally change the document, then stating that it was against their policy to change the document. I asked them what they still needed for my application as I has submitted everything they asked for. The answer was, " We will conduct a verification of employment within 10 days of your closing date. '' I told them I would be happy to request my company give them access to my records. They stated, " As of right now that is all we would need, however, please keep in mind that your file has not been submitted for final review to our Underwriting team. Just to be very clear, we will ultimately need that third praty authorization form signed. We will not proceed with the loan if that form is not signed. '' I am an older person trying to limit my exposure to fraud and advertisement. I am fearful that even though XXXX assured me they have all the documentation they need from me, they said they will turn me down for a loan if I don't sign an unnecessary document so they and their business partners have access to seemingly unnecessary information. They are unclear as to why they are insisting I sign this Third Party Authorization or they will deny my loan. 

I do understand I can go to another company with whom I haven't had this issue, but the rate would now be higher since I already locked in with XXXX. Now I am concerned there will be retaliation after I have questioned them. In the past, I have always provided any documents asked of me in this process. This seems odd and overly aggressive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I've been driving  XXXX  and XXXX since XXXX. I received an XXXX loan from the XXXX on XX/XX/XXXX. When I went to the bank on XX/XX/XXXX, to withdraw a certified check for {$12000.00} to buy a car to work, they froze my account, citing that there has been fraudulent activities on my account and that it needs to be reviewed. They asked me to send my XXXX and XXXX tax return. I immediately sent it in. That same evening they emailed asking for my XXXX tax return and a bank statement showing proof that I either paid money to the irs or that I received a refund. I again immediately sent in the tax return and the bank statement. I have been calling them every day because I need access to the loan that I must repay with interest. I can't get the car I was getting and it's affecting my livelihood. Each time I call, I'm told that an investigator will review the documents and if they need anything more from me, they will let me know. However, they have no way of getting in touch with the investigator and there's nothing else they can do to clear my funds. It's been over a week and no one has reviewed the XXXX  simple documents I sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to remove from reporting : XXXX {$0.00} XXXXBalance {$14000.00} XXXX XXXX XXXXBalance {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The TransUnion XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX  Date Updated : 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 non-monetary relief
Consumer complaint received 2021-11-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Inquiry that is still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: GA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2021-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC
State: CA

Complaint narrative:
There is a dentist in Florida who claims that he is owed {$440.00}. I have proof that it is only {$320.00} as monies have been paid in addition he had caused me to be overnighted in the hospital due to his medical negligence I need this off the report he keeps lying to the credit bureaus and using a false amount

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 2021-11-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX-Date of inquiry XX/XX/XXXX XXXX CARD-Date of inquiry XX/XX/XXXX PREMIUM-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation