vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-18 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: FL

Complaint narrative:
I was checking my credit report and I saw that my credit score is low. I don't understand why you put this information on my account. I'm shocked! What do I have to do right now?/

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 2021-10-18 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft AMEX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft JXXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX Date of inquiry:XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: VT

Complaint narrative:
I have been working diligently on my credit repair. I have found battle after battle, and still feel like I'm be frauded. 

I received in the mail a bill from Jefferson Capitol saying I owe on a cell phone bill to my current cell phone company. 

I do not have any delinquent debt with them. 

I called and they told me they would issue a dispute. 

Now I get another letter stating they want my ss # account # description of error and explanation of why I believe there is an error, dollar amount in question, date of suspected error, cope of the credit report with their trade line. 

I again called them and they told me, ok, we will stop collections, and will not report on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: MO

Complaint narrative:
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 
XXXX, GA XXXX VERIFICATION OF DEBT Re : Account # XXXX Dear XXXX XXXX XXXX Division I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to request and receive validation of the debt.

I have also attached a copy of my Equifax credit report in which you are fraudulently reporting.

Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt.

4 ) The Agreement that grants you authority to collect on this alleged debt. 
5 ) A copy of your state license, including license number. 
Do Not contact me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only. 

Sincerely, XXXX XXXX XXXX Certified letter XXXX Main Office Address : XXXX XXXX XXXX XXXX 
XXXX, GA XXXX Phone : XXXX XXXX Fax : XXXX XXXX Office Hours : 
Mon., Tue., Th., Fri.:XXXX XXXX XXXX XXXX
Wed. :XXXX XXXX XXXX
Sat. XXXX XXXX  XXXX XXXX  Drive-Thru Available
Shared Service Center Location Mailing Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Send Us A Message Shared Branching Locations Find Thousands of Shared Branching Locations Nationwide Call XXXX ( XXXX ) Visit XXXX XXXX XXXX to find a Shared Branching location near you. 

Report Lost / Stolen Visa Cards Available 24 Hours Lost/Stolen Visa Debit Card : XXXX XXXX Forgotten Debit Card PIN : XXXX XXXX Lost/Stolen Visa Credit Card XXXX XXXX XXXX ATM Locations Find aSurcharge-Free ATMnear you. 
( Select Full Service/Deposit to find deposit-taking ATMs near you. ) Credit Union Call Center Hours : Mon., Tue., Th. :XXXX XXXX XXXX XXXX Wed.:XXXX XXXX XXXX XXXX Fri.:XXXX XXXX XXXX XXXX Bill Pay Help Line Visit XXXX Access Online Banking Choose Pay Your Bills Phone : XXXX XXXX Bill Pay Support Hours Monday Friday:XXXX XXXX  XXXX ( EST ) Locate and Contact Us In your area XXXX - Main Office Address : XXXX XXXX XXXX XXXX 
XXXX, GA XXXX Phone : XXXX XXXX Fax : XXXX XXXX Office Hours

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: TN

Complaint narrative:
Transunion and XXXX are reporting inaccurate accounts on my report and have been for some time now. XXXX already took care of this matter a year ago but Transunion and XXXX seem to be ignoring the issue. I am in the market to buy a home and I refuse to let the bureaus not doing their job be the reason I can't get one. I have children depending on me. REMOVE these erroneous inaccuracies from my credit report immediately. I will be attaching a copy of my credit report as proof that they aren't doing their job.

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 2021-10-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Hello, XXXX release - payoff letter from Fifth Third bank My husband and I took out a loan in XXXX with XXXX XXXX XXXX XXXX  in XXXX. XXXX XXXX  failed, XXXX XXXX assumed then Fifth Third Bank took over. Our loan was due in XXXX. We have never received pay off paperwork from them. For over a month now I have been trying to get a pay off - lien release anything from this bank to close on the parking spot as a developer came in and bought the entire building. My funds are currently being held in escrow until documentation is received. We are calling fifth third bank with a different representative each time saying someone will get back to us to no avail after a month of calls and a fax. The law firm and new buyer are waiting on this document. We are needing help. No one at the fifth third bank or a local supervisor in the bank know what to do. Since the loan is over 7 years they keep telling me 5 days but this is over a month. 

We are not customers of Fifth Third Bank but due to them assuming the loans from the failed bank XXXX XXXX XXXX  it falls under their jurisdiction. 

Can someone please help us get this payoff release so we can close out on this bulk sale. 

Thank you XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : XXXX. Identity Theft XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXXXXXX  Date of inquiry:XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them form all XXXX credit reporting agencies. please see below the list of accounts that are reporting derogatory on all XXXX credit reporting agencies : XXXX. Identity Theft XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft WELLS FARGO BANK Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX Date of inquiry:XXXX This is not mine.

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 2021-10-18 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: Capio Partners, LLC
State: OH

Complaint narrative:
This is my second time disputing this account : ASSETCARE LLC # XXXX I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following account ASSETCARE LLC # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax has reported inaccurate information on my credit report from XXXX XXXX. It clearly has No Information or Closed Date. Only has Miscellaneous Reporting Agencies and there need to be removed immediately. Under fcra must report accurate information, Equifax has not submitted accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX, COMENITY BANK WAYFAIR, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I AM A VICTIM OF IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: WI

Complaint narrative:
My account shows that it was charged off, I believe this occurred while I was unemployed and wasn't receiving benefits which I did explain to them when it was happening. Nevertheless, I am finally able to settle the account and would do so if they remove the blemish from my credit report. They informed me on XXXX at approx. XXXX XXXX  CT they can not do that but did acknowledge they are responsible for the credit reporting note. 

They originated the account and hold the debt but said they are unable to negotiate any settlement. But I still have a blemish and no means of removing the mark from my credit 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 2021-10-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE TWO ISSUES 1 : I am buying a house and XXXX XXXX requires dispute comments be removed. I sent a letter requesting their removal. Instead of being removed more disputes were added. I then tried requesting dispute comments be removed online thru their website. They didnt remove dispute comments they added " Customer disagrees '' with dispute. Then I tried calling and speaking with a Supervisor and after 3 hours I get an email that read " Your disputes are now open '' She didn't remove the dispute comments she filed disputes for them.

2 : I told the same supervisor that I never disputed my FedGov loans only XXXX. Can she please cancel the FEDGov loans but keep the XXXX open. She canceled ALL even XXXX. 

3 : I have sent Experian A copy of my XXXX Forbearance and Deferrment ledger validating my account was in Forbearance during the time its showing 90 days past due. Experian has sent back to me account updated. They completely ignored the ledger- didn't even mention it what they did was change one small insignificant detail and said thats all they are required to do. I am currently looking into hiring a consumer attorney as Experian has made it clear they have no intention of correcting my credit 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 non-monetary relief
Consumer complaint received 2021-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Total account was {$1300.00} XXXX XXXX XXXX XXXX credit collection settled with me for {$960.00} Now I'm seeing a balance on my credit report for {$410.00} that account is settled and it needs to be close at a XXXX balance I've reached out to the company in numerous of time How's change

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 2021-10-18 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: PA

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. Equifax 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 inquiries reporting on my Credit Report : XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX-Date of Inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: MI

Complaint narrative:
I submitted an employment certification form in XX/XX/2020 but it has not been processed yet. I am not getting credit from XXXX through XXXX for my employment. I have tried to call them several times but I've been on hold for over 2 hours. I need to speak to someone because I have questions about my loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-18 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: TN

Complaint narrative:
I received an email that Sallie Mae responded to my CFPB complaint however my complaint was closed due to Sallie Mae not being able to offer any type of help. As stated in their response a manger attempted to call me on XX/XX/2021 regarding my issue of lowering my payments, the manager left a voicemail with no extension number for me to get back in contact with her, I called customer service literally 3 or 5 minutes after she called me and they too were no able to get in contact with the manager who called me whos name is XXXX. Sallie Mae advised me that due to XXXX not leaving a call back number/extension they would get another manager or supervisor to call me, I have yet received another call, I have called several times after this and still have been told another manager or supervisor will call me but again no one has. With Sallie Mae knowing my financial situation and them still stating I have no repayment options to lower my payments is ridiculous, how do they expect me to pay almost {$500.00} a month will other bills and having to provide for myself and survive. I really had high hopes that XXXX wouldve resolved this correctly but since they did not I am filing another complaint and will be looking into legal representation since again my issue is not resolved nor has a manager or supervisor tried to get in contact with me since XX/XX/XXXX, all calls are recorded so they can clearly listen to when I called back in 5 minutes after I missed a call from a manager who didnt leave a call back number/extension, Sallie Mae can also listen to the recorded conversations where I have been told numerous times a manager or supervisor will call me and has not, I will continue to seek help about this situation which is why I will be getting legal representation involved if my problem is not resolved

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: IL

Complaint narrative:
Hi XXXX  has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX  paints me as a XXXX. XXXX XXXX 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 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 five negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. 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 accounts 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 Transunion more than 10 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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