vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-28 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-10-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
Credit declined by underwriters for supposed eviction XXXX. My daughter was evicted from a trailer park in XXXX. I probably co-signed for her. I don't know if this is what is causing the denial. I have tried to get information about what I owe for my daughter 's eviction and who I owe it to, but have not been successful yet. I moved to Florida in XXXX and never got any notice of legal action at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-10-28 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-10-28 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: OR

Complaint narrative:
My Experian online account has been hacked. The recovery email attached to my account is NOT my email address and I can not get into my account to lock my credit. Nor can I change the password as the recovery email address is NOT mine. I have attempted to contact Experian on multiple occasions, spending hours on the phone trying to get to a live representative to correct and report this issue. All the phone numbers I have been give are automated and have no choices to resolve my issue. I just want to talk to a person to find out what is happening and how to get it fixed so I am not vulnerable to fraud. I received an address to send paper documents but the documents they want have all my very personal information and I do not feel comfortable or confident that this company can protect my private information when they can't protect an online account or have customer service available to resolve other issues. 
I need to get this account secure again and Experian has offered me no viable or safe options to do so. Experian released my credit information to an unknown source not requested by me because of this issue. I was able to lock and be protected by the other 2 credit reporting companies.

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 2022-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Hello My Name is XXXX XXXX. I recently just looked online at my report. I see a charge with capital one credit card line of credit thats been use that I know nothing about. This is not my charge I never open this line of credit of {$4000.00}. The only capital one credit card that I know of is the one for {$300.00} dollars that I personally open to start of to build my credit. Someone have used my identity an this is fraud. I also see on my account a XXXX line of credit as well that I never applied for as well. I called XXXX they noticed there isnt a open account but I can see someone tried to apply for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
XXXX and Equifax drops credit score every other month by XXXX points for no reason. A CREDITOR IS REMOVED AND THEY STILL BOTH DROP MY CREDIT SCORE BY XXXX POINTS EVERY OTHER MONTH WITH NO INQUIRIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
This has happened twice.. 
On XX/XX/XXXX I noticed my account was {$710.00} with a hotel stay pending about to drop off for XXXX. Once the hotel change dropped off on the XXXX I paid {$600.00} which I always pay off at the end of month. On the XXXX I noticed I had a balance of {$320.00} in which I had not used the card since the XXXX and all charges were thru, the last one being XXXX XXXX XXXX My account should beat XXXX today as of the XXXX, NOT XXXX plus the pending XXXX charge has not posted to that balance. XXXX Credit card company is scamming me out of money. I requested an audit of my account through their accounting department and they refuse. Please provide an investigation on this. 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 explanation
Consumer complaint received 2022-10-28 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: GA

Complaint narrative:
I have disputed a bankruptcy with Experian multiple times and they are not investigating properly. They keep closing my dispute saying the information has been verified with XXXX XXXX and they confirmed its accurate. I reached out to XXXX XXXX and they state they have not received any request from Experian to verify my information and they confirmed I do not have the bankruptcy on my file. I sent the letter to Experian from XXXX XXXX and they still are not investigating.

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 2022-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: MN

Complaint narrative:
Regarding a joint checking account with my teenage daughter : In XX/XX/2022, Funds were illegally transferred out of the account through the XXXX money transfer service. Then forged/ invalid checks were deposited into the account to have the fake funds also transferred out via XXXX XXXX Once the fake checks were returned the account went into negative balance. 

Never used XXXX previously on the account nor authorized its usage. My daughter had never even heard of XXXX nor ever deposited checks remotely. 

Filed a Fraud complaint with US Bank. The branch manager said the issue would be resolved and the actual stolen funds of ~ {$300.00} would be reimbursed, and the fake check funds would be removed. 

Did not hear anything until XX/XX/2022, when received a letter stating the account would be closed and the negative balance would be considered " XXXX XXXX ''. 

Subsequent call to US Bank said they had denied the Fraud claim- but they did not notify us. US Bank gave no path forward for resolution even though the XXXX security was at fault and it is a known problem. US Bank has no procedures to dispute fraud claim findings and do not even allow customers to speak to the Fraud department. 

I can not provide documents because the account was closed and removed from the online access.

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 monetary relief
Consumer complaint received 2022-10-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In ordinance with the fair credit reporting act. Everything on my credit report must be 100 % accurate on my credit report. The credit bureaus stated that they properly investigated information on my report. But that information is inaccurate. This is grounds for removal.

They also violated my rights under 15 U.S.C.1681 section 602 states I have the rights to privacy.

15 U.S.C. 1681 section 604A section 2 also states a consumer reporting agency can not furnish my account without written permission. 

The account is XXXXXXXX XXXX account # 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 2022-10-28 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
Fair collections and outsourcing is trying to collect a debt for XXXX, in which they are not licensed in Florida to collect a debt. Pursuant to Florida law ( Fla. Stat. 559.553 ) debt collectors and out of state law firms must register with the Florida office of XXXX XXXX as a Consumer Collection agency before engaging in collection activity in the state of Florida. the debt that XXXX XXXX and outsourcing is claiming that I owe is a debt in Florida, and this is a violation of both state and federal law. Please remove this debt from my credit report and cease and desist in any collection activity.

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 2022-10-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
I currently have a mortgage w/Loan Care which purchased this mortgage from XXXX XXXX XXXXXXXX XXXX XXXX XXXX. In XXXX I did a loan re-modification on public record there are XXXX liens showing on my home XXXX ) dated XX/XX/XXXX in the amt. of XXXX XXXX ) dated XX/XX/XXXX in the amt. of XXXX XXXX ) dated XX/XX/XXXX in the amt. of XXXX. We have been trying to work w/Loan Care for 8 weeks to clear up the title on my home. I was scheduled to close on my existing property on XX/XX/XXXX and close on my new home on XX/XX/XXXX. XXXX weeks ago when this process started Loan Care directed the XXXX XXXX to reach out to HUD regarding the liens. HUD 's response is a follows : It would appear that you are going to need to work the Mortgage Servicer. In XXXX, the ONLY partial claim that was paid was in the amount of {$26000.00} in XXXX XXXX It sounds like the servicer recorded liens that should not have been recorded. SIP can not assist you with this issue. Please contact the mortgage servicer. They will need to verify that they never received reimbursement for those Partial Claims, that the Partial Claims were never funded and applied to the loan and then they will need to request that those liens be released Every time we have reached out to Loan Care we have to tell the story all over again and are told the issue has been escalated for research w/no time frame for resolution. 
Not only is this affecting my ability to close on both homes but now I am at risk of losing a locked in Mortgage rate and if lost will affect my ability to afford my new home.

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 2022-10-28 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: FL

Complaint narrative:
Credit Reporting Agency Transunion continues to violate my consumer rights by reporting false and inaccurate information. I have disputed these items multiple times. Also I never gave them written instructions to furnish this information which I a clear violation of 15 USC 1681b ( 2 ).

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 2022-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: NH

Complaint narrative:
I paid {$9000.00} off My credit card bill bringing my balance to zero XX/XX/XXXX. It is now the end of XXXX, and this is still not been reported to my credit. I have sent two messages to comenity asking for them to report my balance to my credit. Both gave me nothing but generic information saying that it could take up to XXXX calendar days for my credit to be updated. It is now been well over 90 days, and there has been no updates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-28 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: GA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got 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 2022-10-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
So I sent a letter on XX/XX/2021. Here is my tracking number XXXX to remove personal information that I don't want on my credit report. According to the Fair credit act report act 15 USC 1681.I have the right to privacy. Also According to the USC 6802. No financial institution is not suppose to share my information to the third party people. These are violation of my federally protected 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 2022-10-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC
State: WA

Complaint narrative:
On XX/XX/2022, I was contacted by a company named Veterans United. The representative stated they would help me qualify for a VA loan and requested my SSN, driver 's license and current Leave and Earnings Statement ( LES ). I supplied my SSN but began to question their legitimacy and declined to continue the process. After checking my credit report on XX/XX/2022, I see they placed a hard inquiry on my credit report. I froze my reports but want to ensure no further damages to my credit report occur.

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