vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-04 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: TX

Complaint narrative:
After being denied credit, I pulled my report and noticed several loans I did not obtain. All loans were taking out during the same time frame, obtained online and used my old address, a different variation of my name and or the wrong or variation of my social ( ex : just the last 4 digits but not the full social ).

I contacted the credit bureaus and was told to obtain a police report, get a signed affidavit of identity theft and report the accounts to the federal trade commission. per the bureaus request I did all of these things and sent them a packet certified mail with the information.

In turn the bureau did not : 1 ) properly investigate my claim 2 ) will not inform me of whom they spoke with concerning their so-called validity that these accounts belong to me.

All the bureau did was place an identity theft alert on my file BUT told me I wasn't an identity theft victim which makes zero sense!!!! two of the accounts, have been removed/blocked before but the bureau keeps allowing the reinsertion without proof it is mine and despite the fact they keep changing their name but has the same account number.

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 2022-02-04 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: TX

Complaint narrative:
After being denied credit, I pulled my report and noticed several loans I did not obtain. All loans were taking out during the same time frame, obtained online and used my old address, a different variation of my name and or the wrong or variation of my social ( ex : just the last 4 digits but not the full social ). 

I contacted the credit bureaus and was told to obtain a police report, get a signed affidavit of identity theft and report the accounts to the federal trade commission. per the bureaus request I did all of these things and sent them a packet certified mail with the information. 

In turn the bureau did not : 1 ) properly investigate my claim 2 ) will not inform me of whom they spoke with concerning their so-called validity that these accounts belong to me. 

All the bureau did was place an identity theft alert on my file BUT told me I wasn't an identity theft victim which makes zero sense!!!! two of the accounts, have been removed/blocked before but the bureau keeps allowing the reinsertion without proof it is mine and despite the fact they keep changing their name but has the same account number.

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 2022-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello. My name is XXXX XXXX. Someone has used my information at least once to open a credit card with Bank of America. Possibly more than once. I am still trying to resolve the issue with them. This account was opened and used in my name for several years. This person continues to have my information so I would like to know what I can do to stop this in the future. 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 non-monetary relief
Consumer complaint received 2022-02-04 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: PA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : NXXXX XXXXC XXXX of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: DE

Complaint narrative:
I recently checked my TransUnion credit report and a CLOSED XXXX XXXX credit card account is reporting along with my OPEN XXXX 's credit card account. This caused my scores to drop nearly XXXX points. I have attached a screenshot of the reporting. Per the provisions of the Fair Credit Reporting Act, reporting of open, active accounts must be 100 % accurate and any investigation request must be completed within 30 days.

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 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Since XX/XX/2021 I have tried on multiple occasions to fix my personal incorrect information that is on my credit report. I have sent multiple letters with no responses. All of my letters have been ignored. All I wanted is my drivers license and proof of residence information to match. The information reporting on my credit report 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 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Since XX/XX/2021 I have tried on multiple occasions to fix my personal incorrect information that is on my credit report. I have sent multiple letters with no responses. All of my letters have been ignored. All I wanted is my drivers license and proof of residence information to match. The information reporting on my credit report is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: TN

Complaint narrative:
Jefferson Capital System, has charge me for a account that was already paid out and this is an extortion and it need to be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: CO

Complaint narrative:
I have received 4 phone calls from Sequim Asst SO at their phone number XXXX I have asked them to stop calling me. 
They have my name, but will not give me any information about who they are or what they want. My credit score is around XXXX and I have no unpaid debt. 
Please help me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc
State: TX

Complaint narrative:
On XX/XX/XXXX I made a Principal Payment on my Mortgage in the amount of {$8000.00}. 

Mid America Mortgage only applied {$7000.00} to my principle payment and will not communicate and is giving me the run around on where is the missing {$990.00} that should have been applied to my mortgage. 

On XX/XX/XXXX I sent an email ( see attached ) inquiring where is my missing principle payment. I received the following reply by Mid America Mortgage " We have opened a request with our cash department to have the funds reapplied correctly, this should be completed in the next 3 business days. '' On XX/XX/XXXX I sent another email on the status of my request to apply the missing {$990.00} to my loan ( See Attached ). I received the following reply by Mid America Mortgage : " Our records indicate the funds of {$990.00} was applied to unapplied funds. We have opened a request to have those funds applied to your principal. We apologies for the inconvenience of this misapplied payment. '' On XX/XX/XXXX I sent another request to have my principle payment in the amount of {$990.00} applied to my mortgage ( see attached ). I received this response from Mid America Mortgage : " Thank you for your inquiry regarding your loan. Due to the status of the account please contact our Bankruptcy department at XXXX. '' I called the Bankruptcy department and they informed me I had to call customer service. I called the Customer service department and they said they could do nothing and I had to call the Bankruptcy department! 

I was promised this error would be fixed in two prior responses by mid America mortgage. They have not fixed the issue and now refer me to another department that refers me back to the customer service unit! I am in a circle of hand offs with no one that will fix a problem that Mid America Mortgage created. I am getting the run around and in the meantime {$990.00} is missing as a principle payment to my Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: CT

Complaint narrative:
XX/XX/XXXXXXXX XX/XX/XXXXNA Account # XXXX is reporting as an delinquent account that I have for over 5 years with no late payment and this is inaccurate. I have never missed a late payment within the 5 years I have had this account so for the Late payments on XX/XX/2018, and XX/XX/2018 marked as 30 days and 60 days late respectively has to get updated across all 3 bureaus and reported right as this is inaccurate and all inaccurate, wrong reporting information has to get removed from the credit report according to the FCRA. See attached documentation.

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 2022-02-04 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: CT

Complaint narrative:
XXXX XXXX XXXX XXXX  Account # XXXX is reporting as an delinquent account that I have for over 5 years with no late payment and this is inaccurate. I have never missed a late payment within the 5 years I have had this account so for the Late payments on XX/XX/2018, and XX/XX/2018 marked as 30 days and 60 days late respectively has to get updated across all 3 bureaus and reported right as this is inaccurate and all inaccurate, wrong reporting information has to get removed from the credit report according to the FCRA. See attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I resolved the problem after 6 months, I sent to them more than 250 pages of proof that we didn't make the purchase when we show one thing, they said another, and all the time they change the causes of the withdrawal, after 6 months, I, tired, to discuss and fight with them, I said that I will let the case with FDIC and the Consumer Financial Protection Bureau, and as by charm, the money in the next morning was in my account {$2900.00}, much money, and to prevent that this can happen to another person I am sending the happened to FDIC and CFPB. 66 pages from 250 pages.

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 2022-02-04 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: PA

Complaint narrative:
Equifax continuously keep reporting a loan thy was closed and sent to a third party debt collector as a collection account. Debt was paid in full through debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: NJ

Complaint narrative:
TransUnion LLC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XX/XX/XXXX To somebody who can help me. I am very upset about the erroneos things I see on my cradit report. These accounts are unverifiable, invalid, inaccurate and questionable. If all information reported on my report is not 100 % accurate, it must be removed. I hope you can find out what's going on and locate who the inaccurate information belongs to. Can you expedite this quicly? It is my to understanding, that you will do an investigation immediately. A new credit report that reflect the updated changes should be sent. You must complete this investigation within 30 days of the receipt of this letter. According to the law unverifiable, innaccurate, accounts must be removed and if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 
Thanks for your help with this matter. 

1. Billing error XXXX XXXX  XXXX  Account Number : XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 




Sincerely,

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 2022-02-04 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: NC

Complaint narrative:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 40 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2022-02-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
My wife passed away on XX/XX/XXXX and we were reliant on her social security and pension for our monthly income. Those income streams have now stopped so my monthly income is less than half of what it was. After paying rent I have no disposable income for this credit card payment. I contacted XXXX on XX/XX/XXXX and asked if they would consider reducing the 24.99 % interest rate so that I can reduce the minimum monthly payment and so that it will go towards principal repayment. They did not care about any personal hardship or the death of my wife and they would not agree to lower the interest rate. I want to do the right thing and continue to make very small monthly payments on this account, but I can not meet this obligation without XX/XX/XXXX assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
At the end of last year I looked into my public service loan forgiveness status as I have worked full time for the same non-profit for the last 9 years. I read on Fed Loans website that some of the loans I had were not eligible because they were in forbearance or differment. I had no knowledge of loans being in forbearance or differrent. The website stated to correct this I needed to apply for a consolidation. So I began the process. I revieved correspondence that said I could loose the credit I had already earned toward XX/XX/XXXX so I tried to stop the process. Further I got correspondence that my application was incomplete because I had not provided the appropriate references - my application was processed any way. The loans were consolidated - fastest process I have ever seen. I have NEVER experienced anything quicker from Fed Loan. Every year I verify my employment and wait almost the entire year or never to hear a status update. I then recieve notice that I lost all my years of credit toward PSLF. I have been on hold for over 2 and a half hours. My first call went in to Fed loan at XXXX - someone called me back about an hour later but could not see anything on my account- she tranferred me and here I sit on hold. I am angry and deeply saddened by this process. As I mentioned I have worked full time at the same non-profit agency for 9 years - this XX/XX/XXXX is a joke if all those years count for nothing. I would leave my number but- don't bother as I will most likely still be on hold with Fed Loan

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I received an email from TD Bank yesterday thanking me for opening an account with them. I did not open an account with them and I do not have a previous account with them. The account numbers that it reported that I have were XXXX, XXXX, and XXXX. I contacted TD Bank today and alerted them about an account that was opened in my name. They directed me to you to report identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-04 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: TN

Complaint narrative:
An original letter was sent on XX/XX/XXXX, and I have not received a response nor have these unauthorized inquiries been removed. Therefore I am sending a complaint to prevent this matter from being unresolved for any longer, as I have not received a written or electronic response in regard to these unauthorized inquiries. There was an FTC Report attached as well and all inquiries email on the account. On XX/XX/XXXX I submitted a Demand 2 Comply in regard to not only the inquiries being ignored but the accounts that have been requested to be investigated as well. I have been completely disregarded by this entity.

Company response to consumer: Closed with explanation