vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I pulled up my free annual report through Transunion, began the process of disputing items on my report, and found out they only let you submit one report of a dispute or multiple disputes at a time ( although I am not sure if the platform supports more than one at a time ). I submitted one and thought I would then go back to my report to dispute the rest, one by one. Big mistake. They blocked me from seeing my report any longer and from filing anymore disputes until the first was resolved. The supervisor on the phone assures me that I am the only customer who ever filed the dispute before saving the credit report to a pdf or printing it. Consequently, " for my security '' they won't let me look at my credit report anymore or file anymore disputes without cancelling the first or waiting two more weeks now for it to be resolved. Do you know how long it took the other bureaus to correct my disputed items? 24 hours. Please please please save the middle class and stop these bureaus from making a business out of creating misery for us. All of Transunion 's representatives were outsourced. That means this illegitimate business doesn't even provide jobs for Americans.

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 2020-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
there was old information about a home mortgage that is still showing on my report from 5years ago.

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 2020-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting a collection to my credit that I do not owe. I never received my 30 day right to dispute notice for this account, and when I saw it was on my credit I paid it off immediately. This account is paid and should no longer be reporting a balance, and they are in violation of my 30 day right to dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-10 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: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting a collection to my credit that I do not owe. I never received my 30 day right to dispute notice for this account, and when I saw it was on my credit I paid it off immediately. This account is paid and should no longer be reporting a balance, and they are in violation of my 30 day right to dispute.

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 2020-01-10 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: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting a collection to my credit that I do not owe. I never received my 30 day right to dispute notice for this account, and when I saw it was on my credit I paid it off immediately. This account is paid and should no longer be reporting a balance, and they are in violation of my 30 day right to dispute.

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 2020-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have reached out to the credit bureaus and have forwarded them a letter from the bankruptcy district court clerks off and record division that states that they do not report to the credit bureaus. If the courthouse says itself that they do not report to the credit bureaus then there in no way to be 100 % accurate of any reporting of any bankruptcy of public record. The following bankruptcy is not mine and in addition it is unverifiable. 

Record Type : Chapter XXXX bankruptcy Date Opened : XX/XX/XXXX Reference Number : XXXX And Please Remove this late Payment From Your Records : Account Name : XXXX/XXXX XXXX Account Number : XXXX Account Type : Charge Card Date Opened : XX/XX/XXXX Status Open. 
Allegedly LATE : XX/XX/XXXX *Please See Attached Letter From Bankruptcy Court*

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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: IL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND OUT THAT THERE WAS SOME NEGATIVE ACCOUNTS THAT HAS BEEN REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT AND NONE OF THEM BELONG TO ME. BECAUSE OF THIS ISSUE MY CREDIT IS NOT IN A GOOD STATE AND IT IS CAUSING ME A GREAT DEED OF STRESS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TMX Finance LLC
State: GA

Complaint narrative:
AutoCash finance will not release after car loan have been paid. They say the are not able to release the Georgia electronic lien.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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: CA

Complaint narrative:
I am in the process of moving so today XX/XX/20 I applied at XXXX XXXX apartments and I was told that I was not eligible to rent an apartment there because of some accounts and inquiries reflecting badly on my credit history. None of those accounts/inquiries belong to me nor did I ever give anyone permission to open those accounts in my name. I have no idea who could have stolen my personal information to open these accounts but I have already filed a police report. I did not benefit anything from these accounts and I did not make any payments towards these accounts. I have never had any written/verbal contracts with any of these companies.

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 2020-01-10 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: CA

Complaint narrative:
I am in the process of moving so today XX/XX/20 I applied at XXXX XXXX apartments and I was told that I was not eligible to rent an apartment there because of some accounts and inquiries reflecting badly on my credit history. None of those accounts/inquiries belong to me nor did I ever give anyone permission to open those accounts in my name. I have no idea who could have stolen my personal information to open these accounts but I have already filed a police report. I did not benefit anything from these accounts and I did not make any payments towards these accounts. I have never had any written/verbal contracts with any of these companies.

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 2020-01-10 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: CA

Complaint narrative:
I am in the process of moving so today XX/XX/20 I applied at XXXX XXXX apartments and I was told that I was not eligible to rent an apartment there because of some accounts and inquiries reflecting badly on my credit history. None of those accounts/inquiries belong to me nor did I ever give anyone permission to open those accounts in my name. I have no idea who could have stolen my personal information to open these accounts but I have already filed a police report. I did not benefit anything from these accounts and I did not make any payments towards these accounts. I have never had any written/verbal contracts with any of these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MARINER FINANCE, LLC
State: TX

Complaint narrative:
Mariner Finance issued unsolicited personal loan check in the amount of {$2500.00} dated XX/XX/2019. Check was mailed to my current address but intercepted by unknown party who then forged and cashed the check. I did not receive proceeds from check and Mariner Finance is now contacting me regarding installments due on loan. Police report has been filed with my county sheriff 's office and with Mariner Finance to dispute loan/debt owed.

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 2020-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
Please read and see attached document. 
Original creditor reporting on my report as 0 . New creditor listed LVNV funding LLC which is RESURGENT CAPITAL LLC listed on my collections as balance of {$1400.00}. Contacted LVNV for debt validation. They never sent me a letter until it appeared on my credit report. I have attached copy of letter I sent to them back on XXXX of 2019 and have yet to receive a response. I have called them numerous times and can not validate debt. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
I am being charged 7 % interest on my XXXXyr mortgage and am in the process of trying to refinance my loan. To my surprise my credit score is low and when I researched the issue I found that Carrington Mortgage Services LLC has been reporting my mortgage as paid off in XXXX. My loan is open with an outstanding Principle balance of {$72000.00} as of XX/XX/XXXX, I have been making on time monthly payments of {$1400.00}. 

I have called several times and been transferred and dropped or asked to send a fax to which I never receive a response or action. 

I have tried to submit a complaint to Carrington by fax as instructed on XXXX and again on XXXX. I called to submit a complaint over the phone again on XX/XX/XXXX and was told by XXXX that they were actually showing my loan in Chap XXXX BK which is also incorrect. 

After further research she couldn't determine what was wrong or what to do so transferred me to her supervisor XXXX who also couldn't determine what was going on with my loan or how to correct it and refused to take my complaint over the phone. She directed me to send yet another fax to XXXX XXXX XXXX. 

I need help in determining exactly what status they have my loan and correcting my credit bureau history to reflect on-time monthly payments. 

Their incorrect credit reporting has kept me from refinancing my home and has forced me to continue to have an interest rate of 7 % which is way above current rate, I believe they should also be responsible for addressing the excess interest that I continue to have to pay and they continue to collect as profit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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: FL

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS SEVERAL LATE PAYMENTS REPORTING ON MY CREDIT FROM XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX FOR MY XXXX   XXXX XXXX. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.

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 2020-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS SEVERAL LATE PAYMENTS REPORTING ON MY CREDIT FROM XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX FOR MY XXXX   XXXX XXXX. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Credit card or prepaid 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: DISCOVER BANK
State: NC

Complaint narrative:
XX/XX/19 I ordered a product from XXXX via third party vendor for {$130.00} Order #  XXXX contacted XXXX when i didn't receive the item by the due by date and the tracking said the item was returned. XXXX said since it was a third party i would need to contact them. I contacted the seller and they gave me a new tracking number one day later. After a week and still not receiving the product I contacted the seller again but they said its been delivered and then proceeds to ignore all future messages. XX/XX/19 I disputed this transaction with Discover as Item not received Dispute # XXXX. Discover after 30 days denied my dispute saying that XXXX provided tracking and its valid, I appealed the decission and provided screen shots from XXXX site they asked for but discover said it didn't matter. i still havent recieved this item. It seems discover has a know reputaion of siding with the seller in dispute cases from reading reviews. However, XXXX site indicated that this item was undeliverable and i would be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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: CO

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly that I am ( XXXX ) days past due on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached a transaction history on this account and it clearly shows that I have never missed a payment. More importantly, this transaction history shows that monthly payments were made PRIOR to the late fees being assessed. There is a consistent pattern of late fees being charged AFTER a payment was made! This false reporting of lates is seriously harming my credit score and these lates need to be removed from my credit report. I have contacted the bank and the ( 3 ) bureaus to remove these lates however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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: GA

Complaint narrative:
I only have 3 accounts on my credit report and the balances are never accurate. I'm XXXX and most purchases are from online shopping. When stores issue credit back, I must call and babysit until completed. It took XXXX from XX/XX/XXXX through end of XXXX to credit card from XXXX purchase for damaged table. Despite XXXX crediting account back in XXXX. This caused a discrepancy of over {$200.00}. I recorded all phone calls as I am XXXX. I used the card in XXXX XXXX $ is the balance for XXXX.and currently. This impacted my scores across all 3 bureaus. My checking account has been at XXXX since moving to GA in XXXX. Next is XXXX and XXXX. XXXX closed old card and opened new card due to card not working and balance report issues. It's on autopay and secured. After payments. It takes minimum 72hrs to post to account. Balance is incorrect. Its {$97.00}. XXXX balance is {$190.00}. Both decreased every month haven't used them. Excellent pay history! However my score has been going down every month. Please assist! I think because I'm XXXX and a XXXX once my scores were above 700 they started going down despite my perfect paying history and sending in statements and calling these rude agents who make my XXXX start. Its crazy! Please help!!

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 2020-01-10 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have reached out to the credit bureaus and have forwarded them a letter from the bankruptcy district court clerks off and record division that states that they do not report to the credit bureaus. If the courthouse says itself that they do not report to the credit bureaus then there in no way to be 100 % accurate of any reporting of any bankruptcy of public record. The following bankruptcy is not mine and in addition it is unverifiable. 

Record Type : Chapter XXXX bankruptcy Date Opened : XX/XX/XXXX Reference Number : XXXX And Please Remove this late Payment From Your Records : Account Name : XXXX XXXX Account Number : XXXX Account Type : Charge Card Date Opened : XX/XX/XXXX Status Open. 
Allegedly LATE : XX/XX/XXXX XXXX See Attached Letter From Bankruptcy Court*

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 2020-01-10 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: TN

Complaint narrative:
ACCOUNTS DO NOT BELONG TO ME

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 2020-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
on XXXX19 amount of {$11.00} was taken out of my golden 1 checking account thru XXXX from XXXX. I did make a purchase but seller never sent me the item. I have tried disputing with XXXX and XXXX and now with golden 1 and no refund has been sent to me. i need help getting my refund

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 2020-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: TX

Complaint narrative:
DISCOVER CREDIT CARD TOOK MY PAYMENT OUT OF WRONG BANK AND THEIR XXXX MACHINE THAT ANSWERS PHONES TAKE 50 TIMES HITTING ZERO TO GET A REAL PERSON. THEY REVERSED CHGS AND WHEN I ASKED WHEN FUNDS WILL BE IN BANK THEY PASSED ME AROUND FOR 20 MINUTES AND LIED AND LIED AND LIED AND THEY PROBABLY LIED ABOUT REVERSING CHARGES AS WELL. THESE CREDIT CARD COMPANIES LIE REGULARLY AND MUST BE REGULATED. I WANT MY MONEY RETURNED IMMEDIATELY AND THEY NEED TO BE PENALIZED FOR LYING OVER AND OVER AGAIN AND PASSING PEOPLE AROUND ON HOLD FOR 20-30 MINUTES KNOWING FULL WELL NO ONE WILL ANSWER MY QUESTION AND KEEPING THE MONEY TO DRAW INTEREST ON THEY ALL DO IT AND INTEREST CHGS ARE EXTREMELY HIGH FOR ALL THEY ARE STEALING AND GETTING AWAY WITH IT AND YOU NEED TO STOP THESE HORRIBLE POLICIES BY REGULATING AND HAVING SOME PROTECTION FOR CONSUMERS. XXXX IS ALLOWING THIS THEFT. GET RID OF HIM AND PROTECT WHO YOUR SUPPOSED TO NOT CREDIT CARD COMPANIES. I DO NOT SEE ANY CONSEQUENCES FOR THESE XXXX DO YOUR XXXX JOB OR SHUT DOWN

Company response to consumer: Closed with explanation