vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
As indicated by the attached copies of letters and mailing receipts, you have been delivered by registered mail both a dispute letter, dated XXXX, as well as a follow-up letter, dated XXXX. As of this moment, you have not done your duty mandated under the law. Your inaction in this matter is inexcusable, and your disregard for the law is contemptible. Rest assured, I will hold you to account. I also sent a third letter. XXXX. For the record, the following information is being erroneously included on my credit report, as I have advised you on three separate occasions, more than 75 days and again 40 days ago. I feel like I am being ignored! This really is upsetting. I have been having a hard time getting the things that I need simply because my credit is horrible.I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 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: NV

Complaint narrative:
I had my credit reports pulled after being contacted by a debt collector that I have never done business with. My identity was stolen because there is multiple accounts, names, addresses and other personal info that doesn't belong to on my reports. I did not authorize anyone to open these accounts nor did I receive services or goods for any of them. I filed an identity theft report and police report. I disputed it with all 3 major credit bureaus and they have done nothing. I should not be held liable for someone opening accounts in my name.

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 2020-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
The crux of my problem is that I mailed my social security number to an address purporting to be Citibank before I realized that I had no account with Citibank. I have tried and totally failed to obtain a response from Citibank as to whether they incorrectly asked for the number or I have sent it to a fraudster. Ive frozen my credit and am about to request a special PIN from the IRS so that no one can attempt to file a return and get a refund for my account. Since Citibank doesnt respond, I must believe a fraud has been committed in their name upon me. 

Im XXXX years old and was gullible because I have an account with XX/XX/XXXX which I have frequently confused with Citibank. I received a 9x12 envelope in early XXXX with an appropriate cover letter, W-9 with instructions, and even a W-8BEN for foreign owners. It briefly crossed my mind that they should have my SSN if I had an account, but I was in a hurry and sent the W-9 off in the enclosed envelope and tossed the rest. About a week later my son called me as asked if we had a co-tenancy account with Citibank because he received the same paperwork ( although I dont know if the referenced account numbers were the same ). Thats when I realized I made a mistake. 

I called what was supposed to be Citibank fraud department, spoke to 3 different individuals, none of whom were able to grasp the issue. I called the police department and was told that, since I hadnt lost any money, they couldnt help, and referred me to the post office. The post office told me that the address on the return envelope ( sent to my son ) was not a Citibank PO Box and eventually got back to me saying that mail from that box was being forwarded to a Citibank address in XXXX XXXX ; they wouldnt tell me that address so I was not able to confirm whether it was valid. 

On XX/XX/XXXX, I wrote to a Citibank address ; the letter is attached and the addresses are underlined. I received no response unless the enclosed cover letter from Citibank of XXXX XXXX was supposed to be a response. Note that they again ask for my social security number and the 9x12 envelope contained all the same forms as the original request. On XX/XX/XXXX, I followed up with a letter to 4 different Citibank addresses, enclosing my original letter and the new Citibank letter. No response has been received. 

I want to know if someone has fraudulently stolen my social security number or if Citibank has simply bumbled and my information is safe. Anything you can do to help would be greatly appreciated.

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 2020-11-29 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 have unauthorized inquiries that are not by my doing and I have accounts marked late which is not correct and accounts that don't belong to me and some other issues detailed in a letter attached

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 2020-11-29 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: NV

Complaint narrative:
I had my credit reports pulled after being contacted by a debt collector that I have never done business with. My identity was stolen because there is multiple accounts, names, addresses and other personal info that doesn't belong to on my reports. I did not authorize anyone to open these accounts nor did I receive services or goods for any of them. I filed an identity theft report and police report. I disputed it with all 3 major credit bureaus and they have done nothing. I should not be held liable for someone opening accounts in my name.

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 2020-11-29 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I had my credit reports pulled after being contacted by a debt collector that I have never done business with. My identity was stolen because there is multiple accounts, names, addresses and other personal info that doesn't belong to on my reports. I did not authorize anyone to open these accounts nor did I receive services or goods for any of them. I filed an identity theft report and police report. I disputed it with all 3 major credit bureaus and they have done nothing. I should not be held liable for someone opening accounts in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 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: NV

Complaint narrative:
My information was breached with XXXX  and I have had someone using my info to open accounts in my name ever since. I had my credit pulled because for awhile I didn't know and didn't know what to do to report it and was lost. This has totally ruined my life. Once I pulled my report and seen all the stuff that was incorrect I filed a police report and an identity theft report. I also disputed them with all 3 major bureaus and sent them everything they asked of me. Some of it was removed from one XXXX  but XXXX  and Transunion have done nothing.

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 2020-11-29 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: EQUIFAX, INC.
State: NV

Complaint narrative:
My information was breached with Equifax and I have had someone using my info to open accounts in my name ever since. I had my credit pulled because for awhile I didn't know and didn't know what to do to report it and was lost. This has totally ruined my life. Once I pulled my report and seen all the stuff that was incorrect I filed a police report and an identity theft report. I also disputed them with all 3 major bureaus and sent them everything they asked of me. Some of it was removed from one XXXX  but Equifax and XXXX  have done nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 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: NV

Complaint narrative:
I filed disputes with all 3 major bureaus for accounts opened in my name that do not belong to me. Someone has been using my personal info to get accounts in my name and I went to the police station. I also filed an identity theft report because someone has obviously stolen my identity. The bureaus have done nothing and I sent them everything they asked for along with the disputes so I don't understand how they can not remove them.

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 2020-11-29 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: NV

Complaint narrative:
I filed disputes with all 3 major bureaus for accounts opened in my name that do not belong to me. Someone has been using my personal info to get accounts in my name and I went to the police station. I also filed an identity theft report because someone has obviously stolen my identity. The bureaus have done nothing and I sent them everything they asked for along with the disputes so I don't understand how they can not remove them.

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 2020-11-29 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I filed disputes with all 3 major bureaus for accounts opened in my name that do not belong to me. Someone has been using my personal info to get accounts in my name and I went to the police station. I also filed an identity theft report because someone has obviously stolen my identity. The bureaus have done nothing and I sent them everything they asked for along with the disputes so I don't understand how they can not remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Recently I was sent a letter saying that my debt was validated. Which I find to be outrageous simply because the debt is not my debt. I respectfully request to be provided proof of this alleged item, specifically the contract, note, or other instrument bearing my signature. Providing anything less than this is a violation! Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

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 2020-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have pervious addresses that are not mine I never lived there see letter attached

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 2020-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
My mother has credit card in my name charged {$22000.00}

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 2020-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: VA

Complaint narrative:
I applied for a mortgage to refinance my current mortgage with XXXX  XXXX. They loan officer took my application and sent me the loan information and the rate locked. They locked me at a rate of XXXX for 10 year conventional loan. I have an excellent credit and credit ( XXXX ). The lock was for 60 days. I have provided every document the lender asked for in a timely manner. I was informed by the processor that they have everything they need and she is waiting on the underwriter to give us clear to close. The underwriter requested additional documentation, which I provided immediately. I was told by the process that should do it. I waited few days and I did not hear back, so I contacted the processor and she informed me that the underwriter is requesting addition documentation. Mind you that the 3rd time she tells me the lender has everything they need. I provided the additional document required within minutes and I asked for a clear to close so we can schedule the settlement before XXXX, but the underwriter did not get to the file and I was not cleared to close. The lender pushed the lock for 7 days to my shock as I am ready to close and I have provided everything and have the funds required for the the closing. The lender changed the terms and is asking me to pay for the lock extension even though I did not request it. The processor told me that if they extend the lock they will not charge me because it was not my fault. Now they are refusing the remove the fee of {$420.00} and they still have not lived up to their promise to give me a closing date before the end of the 60 days lock. As I indicated, I have an excellent credit, almost zero debt and the LTV is under 40 %. My annual income is almost 74 % of the loan, so I am a very low risk borrower. I am suspecting they are trying to frustrate me so I can cancel my loan, since I was locked at a very low rate with no fees. Please help. 

XXXX XXXX XXXX cell XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 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: NY

Complaint narrative:
I wrote a letter to experian credit bureau on and they received the letter onXX/XX/2020. Expressing my concern about me reviewing my credit report and there being inaccurate information on my credit report. They sent me a letter on XX/XX/2020 stating that they will conduct an investigation into the matter, on XX/XX/2020 saying that only one item that I disputed was deleted, they still havent deleted the other item reporting on my credit report from XXXX  XXXX XXXX. 
They have failed to verify the negative item from XXXX XXXX as accurate and they still have not removed the negative item. Nor have they explained how XXXX XXXX XXXX  verified the negative item nor, the methods in which they verified it Im contacting you. So that this matter can be resolved and be done in accordance with the FCRA. 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 explanation
Consumer complaint received 2020-11-29 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: CORELOGIC INC
State: NY

Complaint narrative:
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, CREDCO add a hard inquiries on my credit reports per XXXX, XXXX  and XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-11-30 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: NY

Complaint narrative:
I requested an investigation in regards to the reporting of some accounts listed on my credit report to all three credit bureaus. On XX/XX/2020, I provided proof that 3 out of the 6 accounts were deemed unverifiable by XXXX, therefore were deleted from my credit report, I proceeded with issuing a follow suit letter to the remaining 2 credit bureaus that somehow were " able to verify '' such accounts. On XX/XX/2020, I received in the mail on behalf of one of the companies in which XXXX  deemed unverifiable requesting additional information in order to conduct an investigation and yet 2 days later, I received a letter on behalf of XXXX  indicating that the accounts in question were deemed verified on their behalf. How is this possible when I am being asked to verify my own information when it should be the responsibility of the credit bureau to verify that the correct information is being reported? 

On XX/XX/2020, I sent out a method of verification, again, requesting for the method of validation on these accounts to be provided to me and yet I am still waiting on these documents to be provided to me as I continue to received nothing but " verified as accurate '' as a response to my request. What exactly is accurate?

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 2020-11-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: MO

Complaint narrative:
I have my SS check deposited into my XXXX XXXX debit card every month. In XXXX my card was hacked into and they cancelled card and said they would investigate. They sent me a letter telling me that they had given me a provisional credit and it was mine to use. They would not take it back unless investigation was unfavorable to me. When I checked my statement XXXX XXXX, 2020 I saw where they had taken the money back. When I called them they said the investigation was ongoing. I asked why they took the credit back and they said they could take it back anytime they wanted to. But that is not what they said in the letter that I still have. I'm with XXXX XXXX Cardholders Victims and they have done this to so many people. I can't believe they are still in business! So, far I have not heard anything from them or received my refund. The purchase that someone made using my card was at XXXX XXXX Support in XXXX, ID.

Company response to consumer: Closed with explanation