vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-10 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: NY

Complaint narrative:
ACCORDING to 15 USC 1681b ( 2 ) STATES YOU HAVE TO HAVE WRITTEN CONSENT FROM I THE CONSUMER TO EVEN FURNISH SOMETHING ON MY REPORT THAT IS IDENTITY THEFT .... Any Negative marks need to be deleted ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THERE SHOULD BE NO INFORMATION SOLELY AS TO TRANSACTIONS OR EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT ALL TRANSACTIONS BETWEEN I AND XXXX XXXX SHALL BE DELETED PURSUANT TO 15 USC 1681c-2 I CALL FOR A BLOCK TO ANY INFORMATION ON THIS ACCOUNT WHICH results FROM 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 non-monetary relief
Consumer complaint received 2022-02-10 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: NY

Complaint narrative:
I have stated before that late payments should not be reporting on my consumer report. I have filed multiple complaints and it still remains. This is a huge violation of my consumer rights and is blatant willful negligence at this point.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-10 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: NY

Complaint narrative:
I have stated before that late payments should not be reporting on my consumer report. I have filed multiple complaints and it still remains. This is a huge violation of my consumer rights and is blatant willful negligence at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: GA

Complaint narrative:
XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX : XXXX -- -> : {$1100.00} XXXX XXXX XXXX XXXXXXXX -- -> : {$250.00} XXXX XXXX XXXX XXXX XXXX -- XXXX : {$3600.00} XXXX XXXX XXXX XXXX XXXX -- > {$2200.00} XXXX XXXX XXXX XXXX  XXXX -- > {$140.00} XXXX XXXX XXXX XXXX : XXXX -- > {$3100.00}

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 2022-02-10 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: OR

Complaint narrative:
XXXX information services, Transunion and XXXX are continuing to report inaccurate information on my credit reports after failing to validate my dispute letters that I sent to all three of the CRA 's about an account which is being reported inaccurately. ( XXXX XXXX XX/XX/XXXX Charge-off ) I spoke with the manager a minute ago at XXXX XXXX in XXXX ( XX/XX/XXXX ) ( XXXX ) about the data that is being furnished by the CRA 's and he mentioned to me that an " AUD '' document to uniformly correct the information on my credit reports was to be made and yet it shows that the reporting is still inaccurate and not what they provided especially with XXXX Information Services .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: OR

Complaint narrative:
XXXX information services, XXXX and Experian are continuing to report inaccurate information on my credit reports after failing to validate my dispute letters that I sent to all three of the CRA 's about an account which is being reported inaccurately. ( XXXX  XXXX  XX/XX/XXXX Charge-off ) I spoke with the manager a minute ago at XXXX  XXXX  in XXXX ( XX/XX/XXXX ) ( XXXX ) about the data that is being furnished by the CRA 's and he mentioned to me that an " AUD '' document to uniformly correct the information on my credit reports was to be made and yet it shows that the reporting is still inaccurate and not what they provided especially with 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 explanation
Consumer complaint received 2022-02-10 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2022 I sent a letter re : inaccurate and unknown things on my credit report. It has been over XXXX days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section XXXX ( XXXX ) clearly states that a failure to investigate these items within XXXX days gives reason to immediately remove those items from my credit report. It has been over XXXX days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-10 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2022 I sent a letter re : inaccurate and unknown things on my credit report. It has been over XXXX days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section XXXX ( XXXX ) clearly states that a failure to investigate these items within XXXX days gives reason to immediately remove those items from my credit report. It has been over XXXX  days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX, I called a number from a letter I had received in the mail. The letter had no company name on it or any of their information. It was a letter telling me about ways I can potentially get student loan forgiveness. I called the number and a man answered by the name of XXXX XXXX. He proceeded to explain to me what the company did. He told me that they submit forms to the loan servicer for debt consolidation, once the debt was consolidated, I would get a lower payment rate of {$39.00} a month for 240 months to pay off my loan. He mentioned that after the 240 months, whatever was remaining for the loan would be forgiven. He then asked me for my XXXX XXXX. Which is something that should never be shared, but at the moment I was naive. He then proceeded to ask me for my bank information for a payment of {$790.00} that would be divided into XXXX separate payments of {$390.00}. They withdrew the {$390.00} from my account on XX/XX/XXXX. The reason I found out it was a scam was because I received an email on XX/XX/XXXX from the U.S. Department of Education that my account had suspicious logins. The Department of Education advised me to change my XXXX XXXX, they also had information about fraud prevention. To my surprise, that is where I learned I was being scammed because it stated to never share your XXXX XXXX. 
I then proceeded to go on the companies website where they had a location listed so I googled to verify if they were a legitimate business ( XXXX  ), the location was a storage unit. Then I proceeded to call Wells Fargo to explain the situation and put a stop payment into place. I also closed my bank account and open a new one. Additionally, Wells Fargo began a claim for the {$390.00}, and told me I had to wait 10 business days for a resolution. I just received a letter from my bank stating that the claim was closed because it was found that the charge was an authorized electronic payment. I also put a fraudulent alert on one of the credit bureaus, since this company had my personal information. Additionally, I reported this to the U.S. Department of Education ; they told me to just keep an eye on my account for any further suspicious activity as they can not prioritize my account due to the millions of accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
I entered into a forbearance agreement that was supposed to only last for 3 months. Somehow the mortgage company turned it into a 6 month forbearance and then turned it into a loan modification. After I made the XXXX required payments in the loan modification, I attempted to refinance the mortgage through my credit union. 

I began in XX/XX/2021. I have and my new finance company, XXXX XXXX XXXX has also requested payoff info as well as a transaction detail many times from UWM. They have given me nothing but a run around, but in the meantime, my payoff amount is growing and growing. 

They told me to send an email to give them 3rd party authorization to discuss my loan, payoff, and transaction history with XXXX. I verified the email address and sent the request, then they told me it was an incorrect email address. Then they requested that I fax an authorization. They sent a letter stating that they received the written authorization and they claimed that they faxed the info to XXXX and mailed it to me. 

XXXX never received a fax, and I received a payoff letter, but no transaction history. They later sent an payoff to XXXX. Still no transaction history, and of course the payoff is higher because they are charging additional interest while they drag their feet. 

They keep promising that they will send the requested info and they may send part of what's needed to payoff my loan, but not all. In the meantime, my payoff keeps growing and XXXX has to keep resubmitting my loan info for approval while UWM drags their feet. I feel like they're dragging their feet in order to keep adding up additional interest. 

It is now 2 months later and they still have not provided the transaction detail that XXXX has requested. I don't have all the dates on hand, but XXXX has kept a detailed record of all the times that we have reached out to UWM. They have also recorded all of the conversations. 

What can I do to get them to respond before interest rates go up and before I am no longer qualified to refi the mortgage with mu income level

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: TX

Complaint narrative:
CREDITOR INQUIRIES INCORRECT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
Someone who knew my personal information obtained a credit card through Baclays Bank and added me as an authorized user without my knowledge or consent. The primary card user is using the card and not paying the bill and has refused to remove me as an authorized user to damage 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 2022-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: AR

Complaint narrative:
I was seen in the Emergency Room at XXXX in XXXX Ohio ( XXXX XXXX XXXX XXXX, XXXX, OH XXXX ) on XX/XX/XXXX due to testing positive for XXXX and having severe XXXX XXXX XXXX. When I was triaged I was specifically asked if I was there for XXXX and I told them yes. I was not informed or aware of the XXXX for the Uninsured program. Accordingly, I applied for financial assistance and XXXX never contacted me regarding my application for financial assistance. After a time, I assumed it was taken care of. 
I received a collection letter from XXXX XXXX for {$890.00}. The physician I saw while in the Emergency Department was XXXX XXXX MD who is part of XXXX XXXX XXXX XXXX which is the company that sent my account to collections. 
I received a collection letter from XXXX XXXX XXXX for {$240.00} which now has my account from XXXX XXXX XXXX XXXX. 
I received another collection letter from RMP Services LLC for {$2700.00} which now has my account from XXXX. 
After receiving these bills and doing research I found out that XXXX in XXXX, Ohio participates in the XXXX for the Uninsured program. On XX/XX/XXXX I left a voicemail with XXXX, who is in the billing department at XXXX. She returned my call on XX/XX/XXXX and stated that she looked through my records and it clearly indicated that I was there due to XXXX. XXXX stated that she would send the records back to the providers to get the correct billing code and advised me to call all collection agencies and tell them to put my account on hold until this is resolved. I have left voicemails for each collection agency above asking for my account to be put on hold and I am currently waiting on a call back. This has taken so much of my time and effort and if it were not for my tenacity I would be in an unsurmountable amount of debt, which no American should be subjected to due to XXXX 's incompetence. 

I was not educated at all on what resources I had available to me other than financial assistance. According to XXXX XXXX has only been paid {$170.00} for treatment of XXXX through the XXXX for the Uninsured program compared to their counterparts who have received over {$200000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: EQUIFAX, INC.
State: OR

Complaint narrative:
I tried correcting the incorrect information of my name address and accounts and inquires but the CRA just wont fix the problem

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: OR

Complaint narrative:
I tried correcting the incorrect information of my name address and accounts and inquires but the CRA just wont fix the problem

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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 reviewed my consumer report and find that there is still a late payment reporting. This is a blatant violation of my consumer rights as I have filed multiple complaints about this. They should not be reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: GA

Complaint narrative:
XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX : XXXX -- -> : {$1100.00} XXXX XXXX  : XXXX -- -> : {$250.00} XXXX XXXX XXXX : XXXX -- XXXX : {$3600.00} XXXX XXXX XXXX XXXX XXXX -- > {$2200.00} XXXX XXXX XXXX XXXX XXXX -- > {$140.00} XXXX XXXX XXXX XXXX : XXXX -- > {$3100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: GA

Complaint narrative:
EXPERIAN, XXXX AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX  : XXXX -- -> : {$1100.00} XXXX XXXX : XXXX -- -> : {$250.00} XXXX XXXX XXXX XXXX XXXX -- XXXX : {$3600.00} XXXX XXXX XXXX  : XXXX -- > {$2200.00} XXXX XXXX XXXX  : XXXX -- > {$140.00} XXXX XXXX XXXX XXXX  : XXXX -- > {$3100.00}

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 2022-02-10 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: PA

Complaint narrative:
I have reviewed my consumer report and find that there is still a late payment reporting. This is a blatant violation of my consumer rights as I have filed multiple complaints about this. They should not be reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-10 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 reviewed my consumer report and find that there is still a late payment reporting. This is a blatant violation of my consumer rights as I have filed multiple complaints about this. They should not be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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 reviewed my credit report and find inquires that are unauthorized. I did not give consent for these to be furnished. I have sent in multiple complaints about this. This is now willful negligence and violation to my consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: MI

Complaint narrative:
I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 

My student loan accounts and payments are not uniformed across the XXXX credit reporting agencies. Transunion and XXXX are still reporting late payments on a closed account while XXXX has the accounts removed. 

Everything must be uniformed across all credit reporting agencies and if not it is an inaccuracy and violation under the FCRA. 

The account number and dates of these accounts are : XXXX XXXX XXXX  XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX - Date Opened 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