vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Idaho Housing And Finance Association
State: SD

Complaint narrative:
In XX/XX/2022, I went through a huge mess with HomeLoanServ to get my mortgage current after going through XXXX forbearance and divorce. I was told that my credit would show as on time once I filled out the home retention packet, which I emailed back on XX/XX/2022. I was told that after XXXX months of on-time payments, I would receive new paperwork and my credit would show current for the mortgage.Unfortunately, things did not work out like that, and even though I continued to make payments, I was consistently told that there was a rare error in their computer system. Eventually, I filed with the CFPB and finally got someone to help me. XXXX with HomeLoanServ was great and got everything back on track. Still, after getting my annual credit report from the XXXX credit bureaus, my credit is still showing delinquency. Each credit bureau is reporting something different with different months being delinquent, even over the summer after getting paperwork squared away finally. I looked at the report HomeLoanServ gave in response to my initial CFPB report, and it is stated that their XXXX asked me to let her know which months were showing up as delinquent in my credit reports. That never happened. I never was asked, nor did I know that they would need that information. Wouldn't they share that information naturally with the credit bureaus. Why would they need to ask when they can see from their own records that I submitted the home retention packet at the end of XXXX. Shouldn't they just report that I have been current on my mortgage since XX/XX/2022? HomeLoanServ needs to follow through and make this reporting correct with the credit bureaus. XXXX XXXX, who is also listed on the loan, needs to have it corrected for him as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-07 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: PlusFour, Inc
State: NV

Complaint narrative:
Original date of account is over 7 years

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 2023-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
Loan was sold from XXXX XXXX XXXX Mr. Cooper Letters were mailed stating autopay would be transferred.

Autopay was not transferred, the loan payment was due on XXXX, and worse still- it's not accepting any payments on their system. 
Can't make a payment, can't setup autopay, nothing works.

Company advised this is normal and may take a few months to transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have tried several times to retrieve 1099 form from XXXX XXXX XXXX XXXX. I requested this 1099 form over 30 plus days ago. This is my 2nd attempt in getting the 1099 for my tax purposes.

Unfortunately at the time I was laid off, lost my job, faced eviction. To where I ended up in a VA shelter. 

This account was written off nearly 7 years ago. I have tried and tried to get this company to produce a 1099. 
I have attached supporting documents as well.

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 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The credit reporting agencies are still displaying inaccurate information on my credit report. Specifically, one account that was previously removed by another XXXX XXXX XXXX is still being reported by TransUnion and XXXX. Furthermore, despite filing complaints with both agencies, they have failed to provide a satisfactory resolution and have instead chosen to close the cases after a mere XXXX period. This partial and bias approach to credit reporting raises concerns about the accuracy and reliability of the information maintained by these agencies.

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 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The credit reporting agencies are still displaying inaccurate information on my credit report. Specifically, one account that was previously removed by another credit consulting bureau is still being reported by XXXX and Equifax. Furthermore, despite filing complaints with both agencies, they have failed to provide a satisfactory resolution and have instead chosen to close the cases after a mere XXXX period. This partial and bias approach to credit reporting raises concerns about the accuracy and reliability of the information maintained by these agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One requires the complaint be done by phone, then says they do not keep the recording or transcripts of the call. Then they require it to be in writing, and then they deny that and require more information. It has been since XX/XX/XXXX and a few iterations. I am providing the same information and both companies are trying to say that a hotel room booked through XXXX is not fraud when I was not able to stay in the pet friendly room due to a large puddle of XXXX in the floor and an overwhelming odor of XXXX filing the small room. I requested they clean they room. They refused to clean the room, and refused a refund or proof of cancellation. 

I contacted both XXXX and Capital One the moment I left the hotel, because I needed help with getting access to those funds that day. I had to sleep in my new apartment floor ( tile ) on a yoga mat for two days. This hotel most certainly should not be paid and needs to be shut down for health code violations. 

Capital One and XXXX are not protecting consumers. Capital One is harassing their own customers to deny legitimate claims .. this is one of several this year they have utterly harassed me over when they had more than adequate evidence to support the fraud claim. I am told I must call to file a dispute. Then I am sent a letter I am told I do not have to fill out, and then sent a letter saying the dispute was denied because it was not filled out, and then the circle of crazy that is wasting time and making it harder and hard to keep up with goes round and round while the three corporations make money while the consumer get exactly ZERO VALUE!! They are saying that services not received due to a unsanitary conditions that pose a health hazard is not fraud. They say it is a dispute on a legitimate charge. REALLY??? 

NO! They are creating a triangle where the consumer gets screwed. So XXXX gets their cut, Capital One gets their interest, and the hotel that should be shutdown gets to make money they did not earn for unsanitary conditions!! That is exact what FDIC was created for .... NOT! 

Capital One Case # : XXXX... with XXXX for {$190.00} Capital One Case # XXXX .... XXXX XXXX XXXX {$40.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I received a hard inquiry on my credit and a letter in the mail stating that I was denied a card for Sephora due to possible fraud. This letter came to my mailing address. I knew nothing of this application and immediately contacted the number provided in the denial letter in attempt to try to track the person who did this and file a police report so it cant be done again. I have been a victim of this in the at the hands of my sons father and nothing was done to rectify this error. I was forced to pay for what he had done placing a gas bill and credit card in my name or I would not be able to use the companys services going forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I kindly request that you thoroughly validate these accounts, as I wish to ensure that I am not erroneously charged for any debts that do not belong to me. In order to avoid any misunderstandings or disputes, please provide me with concrete evidence and documentation that supports the existence and amount of these alleged debts. I appreciate your prompt attention to this matter, as I am eager to resolve any discrepancies and ensure the accuracy of my credit report. 

XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I kindly request that you thoroughly validate these accounts, as I wish to ensure that I am not erroneously charged for any debts that do not belong to me. In order to avoid any misunderstandings or disputes, please provide me with concrete evidence and documentation that supports the existence and amount of these alleged debts. I appreciate your prompt attention to this matter, as I am eager to resolve any discrepancies and ensure the accuracy of my credit report. 

XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a XXXX XXXX  with an excellent credit history. For 3 straight months my FICO score was a virtually perfect XXXX. 

I then paid off an auto loan with XXXX XXXX. During the term of the loan there were no late payments, no late fees, no problems whatsoever. Nothing but timely payments month-in and month-out. 

As such, XXXX helped me obtain the Pink Slip for the car and then reported to TransUnion that I had successfully paid off the loan. Again, there were no late payments, no late fees, nothing but timely payments month-in and month-out. 

TransUnion responded by lowering my FICO score by XXXX points. 

So, I called TransUnion and spoke with two representatives, including a Supervisor who manages disputes, too ( he said ). Both representatives confirmed that TransUnion lowered my FICO score by XXXX points because of XXXX 's report that the auto loan was successfully paid-off. Both representatives also confirmed that I could not appeal Transaction 's decision. In effect, that TransUnion cares so little about the action they took that under no circumstances would the company review what had taken place. As such, my only recourse is to appeal to you. And please let me be clear : I will survive the lowered score imposed by TransUnion ; my personal circumstance is not the biggest concern. The biggest concern is that TransUnion 's system is broken, and you must intervene on behalf of all responsible consumers.

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 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I want you to investigate this inappropriate information on my credit report and after investigating please delete it! 

Account Name XXXX  XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$330.00} Account Name XXXX  XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$180.00} Account Name XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$82.00} Account Name XXXX  XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$78.00} Account Name XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$27000.00} Account Name XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$650.00} Account Name XXXXXXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$1200.00} Account Name XXXX  Account Number XXXX Date Opened XX/XX/XXXX Balance {$1900.00} Account Name XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$73.00}

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 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I want you to investigate this inappropriate information on my credit report and after investigating please delete it! 

Account Name XXXX  XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$330.00} Account Name XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$180.00} Account Name XXXX  XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$82.00} Account Name XXXX  XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$78.00} Account Name XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$27000.00} Account Name XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$650.00} Account Name XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$1200.00} Account Name XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$1900.00} Account Name XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$73.00}

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 2023-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: AK

Complaint narrative:
on XXXX i was applying for the XXXX in Alaska and there website glitched when i hit submit the page reloaded with someone else info from XXXX Alaska it showed me me their address date of birth ssn and bank info i got XXXX other calls saying my info pop up on there screen shortly after the pfd data breach accounts that i did not open started appearing on my credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
I'm traveling internationally and tried to pay my credit card bills using the mobile app around XXXX XXXX XXXX blocked the transaction and locked my account. I called customer service to get it unlocked. 

I tried payment a second time thinking that I've confirmed that I'm accessing the account outside the country. 

They blocked the transaction again and locked my account Now they are asking me to visit a physical location to unblock my account. I can't access my bank account at all. 

I get that fraud prevention measures occasionally flag transactions but refusing to let me access my money is unacceptable

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
It has come to my attention that your company has been providing unauthorized information on my credit report. I have identified several inaccuracies in the report, and I insist that these discrepancies be promptly removed and deleted. The impact of these errors on my financial standing is causing me undue stress, and I am eager for their swift resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It has come to my attention that your company has been providing unauthorized information on my credit report. I have identified several inaccuracies in the report, and I insist that these discrepancies be promptly removed and deleted. The impact of these errors on my financial standing is causing me undue stress, and I am eager for their swift resolution.

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 2023-12-07 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
Sent letter saying that I was a victim of a data breach 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 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Sent letter saying that I was a victim of a data breach 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 2023-12-08 00:00:00
Product: Credit reporting 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: OH

Complaint narrative:
On XXXX XX/XX/2023, I received multiple alerts from my credit card monitoring services an inquiry was placed on my XXXX and Transunion credit profiles. The inquiry was from XXXX. I called XXXX on XXXX and advised I did not submit an application. I was told to call back on XXXX XXXXXXXX at XXXXXXXX XXXX and someone from XXXX XXXX assist me. 

I called XXXX on XXXX at XXXX XXXX, and they advised they would cancel the application, and send information to the credit report companies the inquiry and application was fraudulent. 

I called XXXX and they quickly resolved the issue on evening of XX/XX/2023. I attempted to call Transunion 38 times from XXXX to XXXX, and their overseas agents could not understand XXXX or the phone system would just hang up on me. I entered my information into the system all 38 times, which is very time consuming. 

I filed a XXXX complaint against Transunion, and they responded inquires are not removable and if I wanted to dispute it to call them. There is no way to dispute credit inquires on Transunion 's website. 

Transunion can not keep FRAUDULENT inquires on a credit report. I froze all my credit reports and filed a identity theft inquiry with FTC. 

Transunion is putting undo stress and making this situation worse, and they give some illegal response that the inquiry is going to stay.

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