vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-22 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 am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-02-22 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: TX

Complaint narrative:
I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still that inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Inquiries : XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX EMPLOYER : XXXX XXXX TX

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 2022-02-22 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: NY

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 2022-02-22 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: Experian Information Solutions Inc.
State: NY

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 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 2022-02-22 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: PA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-02-22 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: NJ

Complaint narrative:
I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX I decided to give the bureaus another chance and sent another letter to each of them, demanding they delete the inquiries that I did not authorize. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Dynamic Recovery Solutions, LLC
State: AR

Complaint narrative:
I was contacted by XXXX XXXX XXXX XXXX ) who states that her supervisor is XXXX XXXX from Dynamic Recovery Solution. XXXX called me from XXXX. She stated " is this XXXX XXXX? '' to which I said " yes ''. She then asked if she could " verify either my address or my last 4 or the social '' to which I said " sure ''. My expectation was that I would provide my PII ( Personally Identifiable Information ) to her, however, she began rattling off my old addresses without confirming who I was. According to https : //www.consumerfinance.gov/ they are allowed to " ask '' for this information but I see nothing that states that they can start " providing '' my PII to an individual who is not validated. In this case, I am one of two XXXX XXXX ( s ) who could be receiving this call, as my father, retired XXXX XXXX XXXX XXXX ASP is also a XXXX XXXX XXXX I asked to speak with a supervisor but was told they " were busy '' and was not given the chance to discuss this further. The company is listed at toll free XXXX. The agent verified that the call was being recorded from her end. My PII was put at risk because this company is not following standard procedures for protecting consumer information. My associate XXXX XXXX was here to witness this interaction by speakerphone if you need any follow up statements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: NC

Complaint narrative:
On XX/XX/XXXX my husband passed away. I lost his income as well, I didn't draw enough XXXX benefits to pay the mortgage payment & electric bills, water bill, all insurances. I told the mortgage company what was going on XX/XX/XXXX I had a appointment with Social Security to receive spousal benefits & I started receiving them XX/XX/XXXX. I tried to pay a payment XX/XX/XXXX the company didn't take it they told me my account was in the early process of legal services. I've had representatives come to my home & ask for my husband they were informed he was deceased thats putting so much stress on me. My daughter is XXXX years old & is in XXXX XXXX of XXXX XXXX XXXX. This is truly more than 1 person can take. I've lost my husband of 30 years & I'm loosing my daughter please help me keep my 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 2022-02-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: NY

Complaint narrative:
Waiting for close to three months on pslf after formal letter dated XX/XX/XXXXXXXX XXXX indicating all they had to do is verify my one employer. Paid consecutively on time for 16 years- met requirements in 2017 but given incorrect info. XXXX also never verified I could not pay during covid and so continued them. I consolidated under limited waiver now and am clearly eligible and should actually receive a refund but NO time frame is ever given on when they will be forgiven - different things are said - from wait a couple of weeks to it could take months and months. A clear time frame should be given.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: CA

Complaint narrative:
I received an alert from XXXX XXXX that a debt was sent to Security Credit Services for collection on XX/XX/2022. XXXX XXXX helped me look through old accounts and I found that someone bought a phone for {$780.00} through XXXX XXXX XXXX and apparently used my information. The company XXXX XXXX leasing is the company that sent me to collections. I spoke with someone at XXXX XXXX. She said it was to purchase an XXXX XXXX. But the address and telephone of the person was not the same as my information and she said thats all She could tell me. I have tried to contact Security Credit services at XXXX. No one has returned my calls. They also sent this information to. XXXX and XXXX which is messing up my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: NJ

Complaint narrative:
I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX I decided to give the bureaus another chance and sent another letter to each of them, demanding they delete the inquiries that I did not authorize. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2022-02-22 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: NJ

Complaint narrative:
I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX I decided to give the bureaus another chance and sent another letter to each of them, demanding they delete the inquiries that I did not authorize. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2022-02-22 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: FL

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent a credit reporting dispute to XXXX, Transunion, and XXXX Credit Bureaus on XXXX XX/XX/2022, requesting that XXXX accounts listed on my credit report as XXXX XXXX XXXXXXXX, and XXXX XXXX be verified by requesting the companies provide a copy of the original signed contract between the debtor and myself, as well as pay disclosures, interest rate disclosures, balance histories, and payment histories of each of these said accounts. I requested these documents be provided via mail because I know they do NOT exist. I previously submitted a dispute asking each credit bureau to research these accounts for possible fraudulent activity and got the same response from each bureau that accounts have been verified. I believe that the bureaus are NOT thoroughly investigating my claims and requesting the proper documentation to validate debts but instead unlawfully not complying. I have attached the certified letter that was forwarded to all three major credit bureaus on XXXX XX/XX/2022 and am requesting that they request and obtain all proper documentation from debtors and accurately investigate my dispute which will determine that I have no signed contract with any of the debtors listed above.

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 2022-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a credit reporting dispute to XXXX, XXXX, and Equifax Credit Bureaus on XXXX XX/XX/2022, requesting that three accounts listed on my credit report as XXXX  XXXX, XXXX, and XXXX XXXX be verified by requesting the companies provide a copy of the original signed contract between the debtor and myself, as well as pay disclosures, interest rate disclosures, balance histories, and payment histories of each of these said accounts. I requested these documents be provided via mail because I know they do NOT exist. I previously submitted a dispute asking each credit bureau to research these accounts for possible fraudulent activity and got the same response from each bureau that accounts have been verified. I believe that the bureaus are NOT thoroughly investigating my claims and requesting the proper documentation to validate debts but instead unlawfully not complying. I have attached the certified letter that was forwarded to all three major credit bureaus on XXXX XX/XX/2022 and am requesting that they request and obtain all proper documentation from debtors and accurately investigate my dispute which will determine that I have no signed contract with any of the debtors listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: MI

Complaint narrative:
I don't owe anything to CAINE & WEINER with account number XXXX. They should have confirmed this from the Original Creditor XXXX since I have made my payment to them. Investigate this account thoroughly and make the necessary correction or just remove the account automatically.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: FL

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Credit acceptance has placed an inaccurate late payment on my credit profile for my auto loan for the month of XX/XX/XXXX. My payment due dates are the XXXX of every month and my payment was made in full on XX/XX/XXXX. I called and spoke with a rep over the phone and she confirmed that the payment was made on time and was not sure why a late payment was on my account and she instructed me to write the " Credit reporting department '' who handles these issues. On XX/XX/XXXX, I wrote them a letter and they responded weeks later that the account is " accurate '' and they are not going to update my account. I have proof that my auto load for that month was in fact paid on time from my receipt of payment made on XX/XX/XXXX. This inaccurate reporting is affecting my credit profile and score and I need credit acceptance to rectify this info and update it correctly immediately upon receipt of this notice.

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 2022-02-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
All 3 credit bureaus have a data breach on my report and dark web activity. I am no longer able to dispute or add statements to these bureaus for aged accounts and inaccuracies. This has to be illegal and a violation of my consumer rights. I have disputed several discrepancies and accounts over the course of 3 years. Used several credit repair companies XXXX XXXX XXXX XXXX XXXX and many others to settle and improve over all credit. CFPB has also turned a blind eye to hard working consumers seriously trying to navigate and improve credit where there are obvious errors and mistakes on credit reports holding back millions of Americans their key to financial freedom and credit stability. What can be done to resolve this?

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 2022-02-22 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: TX

Complaint narrative:
I was going over my report when I realized I have been a victim of identity theft. The accounts/ inquiries below are fradulent FRADULENT INQUIRIES BELOW. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: AZ

Complaint narrative:
At XXXX the non-profit organization I work for gave XXXX XXXX XXXX to their employees and some volunteers. Eleven of those cards had fraudulent activity. My card that had never been taken out of its cardboard container until XX/XX/XXXX, had only {$1.00} left of the amount of {$150.00}. That {$140.00} was spent at a XXXX in XXXX XXXX, California on XX/XX/2022 at XXXX p.m. The store closes at XXXX p.m. I live in Arizona and was not in California. I called the XXXX gift card number on the back of the card XXXX. The call took almost an hour waiting on line. I spoke to two people. They said they would send paper work to fill out. I received paperwork on XX/XX/2022. It was to be back by XX/XX/2022. I faxed it that day for {$8.00}. On XX/XX/2022 I received a new XXXX gift card with {$1.00} on it. The next morning I started calling at XXXX a.m. I made 4 phone calls to get help. I was told by the 4th person, XXXX that my fax had been received and the fraud team would be looking over my paperwork that I had faxed. They would put the {$140.00} on my card. I was to keep checking to see if it was there which I have been doing. Today I was not able to get in online to the account but was able to call and I still had only {$1.00} on the card. I know the other cardholders whose money was taken and no one has had it resolved yet. One man has not received his paperwork yet and he called in days before me and waited on the phone 1 1/2 hours. There is something really wrong going on with this company. It has to be an inside job. People 's cards were compromised before taking them out of the container they were in. Someone had to know the security code on the back of each card plus the numbers which are concealed even when bought. Please check into this. In just our organization alone a few thousand dollars have been stolen. On the back it says the card is issued by XXXX XXXX XXXX XXXX XXXX XXXX Please help us get our money back.

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