vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-18 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:
To whom it may concern, hello. 

There are 2 regular credit inquiries that have been incorrectly reported and are reflected on my TransUnion Credit Report ( File Number : XXXX | Date : XX/XX/XXXX ) that I DO NOT recognize : XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) I have already previously contacted XXXX XXXX ( XXXX ) and spoke with at least 2 associates from both product departments ( XXXX XXXX XXXX ) on ( XX/XX/XXXX ) advising that I am not aware of these product inquiries, that the information is being incorrectly reported, and requested them both to be removed but they are still being falsely reported on my TransUnion Credit File. I recently contacted TransUnion, LLC 's Fraud Department ( XXXX ) again, today ( XX/XX/XXXX XXXX XXXX  CST ) spoke with a Fraud Department Specialist who advised this step needed to be completed in order for them to remove the incorrect inquiries being reported in their system. 

I would like assistance in getting this incorrect information deleted and removed from my TransUnion Credit Report, promptly to avoid inaccuracies being reported on my profile. Thank you, kindly, for your time and attention regarding this matter. 


Sincerely, 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 2022-02-17 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: NC

Complaint narrative:
On XX/XX/21 I sent a letter regarding inaccurate and incomplete credit information on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. I demand these account be deleted or updated immediately or I will file for litigation due to the stress you cause me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/21 I sent a letter regarding inaccurate and incomplete credit information on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. I demand these account be deleted or updated immediately or I will file for litigation due to the stress you cause me.

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 2022-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Coradius International LLC
State: FL

Complaint narrative:
Received a letter in the mail from American Coradius International LLC. 
It says I owe {$910.00} It says the creditor is XXXX. 
It gave some long weird acct number This is definitely false. 
The address is XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NY XXXX Phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/2022 at XXXX p.m. I received a text from Chase Bank stating " JPMORGAN CHASE fraud Dept. Did you attempt a {$5000.00} XXXX- Transfer? Reply YES/NO/HELP Don't want fraud text? Reply REMOVE In which I responded " no '' and then I received " Glad that wasn't you! The transfer is currently pending, a JPMORGAN CHASE Bank representative may reach out to you shortly '' Approximately 5 minutes later I received a call from Chase. The gentleman stated he was calling from chase fraud dept and gave me an agent id. He proceeded to tell me someone had requested a XXXX transfer of {$5000.00}. After I told him I did not request XXXX Transfer he proceeded to tell me that I need to reverse the charges from XXXX to send the {$5000.00} back to me. He requested that I transfer {$1600.00} from one account knowing exactly how much was in that account. He then proceeds to tell me that I needed to transfer {$3300.00} from the account that had {$6600.00}. It was as if he could see my account and how much money was in the account as the numbers, he was stating matched what I was seeing. He did try to get me to transfer more but I had reached my daily allowance in withdrawals. After hanging up with him I received another text from Chase stating the same as above then followed by another call from the gentleman telling me to disregard the text further leading me to believe it was Chase calling me. A little later I proceeded to call Chase because I did not feel good about things. Chase did file a fraud report. The next day I received another text from Chase stating the same thing as above. 
It was then followed by a phone call. I did contact Chase to let them know someone was trying to get me to XXXX more money but they were not concerned about it. The following day I received another text, followed by a call and again Chase was not concerned

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: IA

Complaint narrative:
Aspire Servicing Center told me and also reflects that I have zero interest on my two loans I have remaining with them yet every month after I make payments, my balances go up. Why does my balance go up if they say and show I don't owe any interest? I have had these loans for a very long time including during a bankruptcy period in which I was told I did not have to pay on them. After that bankruptcy period ended, I called to get back on track. They kept me in a defaulted status the entire time hurting my credit as well as building amounts owed. Finally I work out a plan with zero interest to pay every month and my balances are still going up after every payment. This is what is wrong with these student loan companies! You should not be allowed to say and display one thing on your account website then charge in the background. This is not ok.

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 2022-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: OLD NATIONAL BANCORP
State: IN

Complaint narrative:
XX/XX/2022 my business bank account was closed for no reason at Old Nation Bank. 
I asked why and XXXX XXXX, XXXX XXXX who is the manager would not give me an answer to why. My account was not abuse or in negative or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: NC

Complaint narrative:
I already sent Debt Validation ( XXXX Letters ) dated XX/XX/2022 for the items listed under my account which is inaccurate and is giving a bad impact on my credit report. I also sent another letter for the method of validation. It's been more than 30 days and I haven't received any response.

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 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I already sent Debt Validation ( XXXX Letters ) dated XX/XX/2022 for the items listed under my account which is inaccurate and is giving a bad impact on my credit report. I also sent another letter for the method of validation. It's been more than 30 days and I haven't received any response.

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 2022-02-18 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: GA

Complaint narrative:
This company has reported fraudulent information on my consumer report without my written consent, anything without permissible purposes is considered identity theft. I demand that this company remove this fraudulent Inquiries from my consumer report and from there internal data base.

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 2022-02-18 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: SC

Complaint narrative:
I mailed a Debt Validation ( 609 Letters ) dated XX/XX/2022 for verification of accounts listed under my name. This inaccurate information is giving a negative impact on my credit report. I also sent another letter for the method of validation. I have the right, Under FCRA that unverifiable accounts must be removed and it's been more than 30 days, I haven't received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
It's been months already that I'm disputing these inaccurate items on my account. And up to this date, I hadn't received any replies from the bureaus and the creditor itself. I already filed a dispute on XX/XX/2021, concerning several accounts that reported false information. And on XXXX XXXX XXXX, I filed a dispute again, but no response came from them, and they refused to remove these inaccuracy items from my credit report. These inaccurate items collect these amounts from me {$670.00}, {$6900.00}, {$0.00}XXXX {$81.00}, {$2700.00} which is incorrect.

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 2022-02-18 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: SC

Complaint narrative:
It's been months already that I'm disputing these inaccurate items on my account. And up to this date, I hadn't received any replies from the bureaus and the creditor itself. I already filed a dispute onXX/XX/XXXX, concerning several accounts that reported false information. And onXX/XX/XXXX, I filed a dispute again, but no response came from them, and they refused to remove these inaccuracy items from my credit report. These inaccurate items collect these amounts from me {$670.00}, {$6900.00}, {$0.00}, {$81.00}, {$2700.00} which is incorrect.

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 2022-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX  XXXX - Procedure in case of disputed accuracy ( XXXX ) In general Before the expiration of the XXXXbusiness-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( XXXX ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( XXXX ) and before the end of the period referred to in paragraph ( 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 2022-02-18 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: SC

Complaint narrative:
I've been disputing these inaccurate items on my account long before, and until now, no response from the three bureaus and creditors themselves. On XX/XX/2022, I filed a dispute again with the three bureaus concerning several incorrect items, but it had been a month already still got no response. They still trying to collect me with these amounts of {$640.00}, {$1300.00}, {$740.00}, {$730.00}, {$1300.00} in an inaccurate manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Received a letter in the mail from XXXX XXXX XXXX XXXX. 
It says I owe {$910.00} It says the creditor is Paypal. 
It gave some long weird acct number This is definitely false. 
The address is XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NY XXXX Phone number is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-18 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 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, Experian and 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 explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA
State: GA

Complaint narrative:
Sale promises about expectations and promises of jobs and none flexible options to repay loans. Learn was being serviced with XXXX XXXX and they refused to give me any options even when government was giving relief to borrowers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
We are senior homeowners, greatly impacted by the XXXX XXXX pandemic, who have nearly lost our entire business of over 30 years. 

We are ever so grateful to be currently in a forbearance plan. Since XXXX, we been trying to work with XXXX XXXX XXXX to create a " stand alone partial claim '' for our forbearance plan. 

We have an FHA loan, and have been in contact with them on multiple occasions over the last few months in writing, and on the phone with their customer service department. 

Today after many attempts to move forward with the " stand alone partial claim '', we instead received a loan packet for a " loan modification '', even after letting them know since XXXX we want to use the " stand alone partial claim ''. I am attaching a copy of my letter from XX/XX/2021 requesting this. Also on XX/XX/XXXX at XXXX XXXX XXXX XXXX I spoke to " XXXX '' in the customer service department. I made it abundantly clear we wanted to have the stand alone partial claim. 

XXXX XXXX is difficult to communicate with. Long waits on the phone. I even received an email from one of their employees letting me know the loan documents were on the way and requesting me to respond back right away about the loan modification, and my reply bounced back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I received a letter addressed to XXXX ( not my name ) at my home address indicating that I owe PayPal {$120.00}, reference # XXXX, acct # XXXX. 

The " debt '' was submitted by XXXX XXXX XXXX XXXX. 

I went out to PayPal and they show one use of my account, for {$25.00} to XXXX ( which is the only charge I've used PayPal for in the past XXXX years ). They show no other outstanding payment issues. 

Attached is a photo of the letter referenced above. 

Please advise regarding next steps to handle this fraudulent claim. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I have been trying to refinance my mortgages with Freedom Mortgage. Both mortgages were transferred to them from XXXX XXXX in 2018. I have never missed a payment with XXXX XXXX or with Freedom Mortgage. In fact, I have been paying {$200.00} extra on Loan No. ending in XXXX and I have a good credit score. I wrote to XXXX XXXX, CEO, at Freedom Mortgage. He never answered. He just mailed me form letters that stated that I was an ineligible applicant. Did not state why. I sent you copies of my letters. You told me to file a complaint on your website. This was very discouraging. Freedom Mortgage refused to refinance my loans and after I complained to them they decided to sell my loans to XXXX XXXX.They sold my loans after months of charging me a high rate of interest. I really don't think that they are an honest company.

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 2022-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have had several disputes to only correct information such as balances or limits lead to deletion of accounts on my credit reports. When I call to ask what happened they tell me that the creditor or lender said my account was " deleted ''. The most recent dispute was " resolved '' in less than XXXX minutes which resulted in another deletion from my credit report with no listed reason why. I fail to understand why a creditor/lender would tell them that my active account was deleted and why I should then have to call to tell them to report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have asked Experian for validation of the creditor. I have requested for all paperwork from the original creditor to be sent to me. Section 609 states I have the right to ask for the information that was received by the Bureau Experian has yet to send me this information.

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 2022-02-18 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: EGL US, LLC
State: GA

Complaint narrative:
I filed a dispute in regards to the item on my credit report it has been we'll over 30 days and I have not received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation