vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-21 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: MI

Complaint narrative:
Not aware of this bankruptcy account as you know reporting things inaccurate on my account is against the FCRA .I need a written response with complete information that shows I gave my written consent to a clerk at the courthouse attached along his or her name the date it happened the time it happened & the name of the person who handle my case I cant believe this happened Im just trying to take care of my girls. 


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 explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
this account is unknown to me, the collector did not verify. Send documentation of proof

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 2021-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: T.S. Holdings
State: TX

Complaint narrative:
this account is unknown to me, the collector did not verify. Send documentation of proof

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
I am a certified residential appraiser and have been appraising for the last 11 years successfully. Six months ago I received an email from my high volumn/long time client/lender saying I was being blacklisted by the Mr. Cooper, formerly Nationstar Mortgage Holdings Inc., and my client could not use my appraisal service anymore since Mr. Cooper would not purchase loans based on appraisals prepared by me. The reason for being blacklisted was unknown. I've being trying to reach out to Mr. Cooper company, also with the help with my lender/client, for answer but we were ignored and stonewalled by Mr. Cooper company. I'm being blacklisted without explanation and no pre-notification. Until this day, I still don't know why I'm being blacklisted or even have an opportunity to respond to or rebut any alleged discrepancies. 

My business suffers tremendously loss of income due to the action taken by Mr. Cooper, especially during the pandemic. I've been appraising for the last 11 years and my record is clean with no complaints from any clients or disciplinaries from appraisal state board. I'm requesting Mr. Cooper to reconsider and remove my name from the exclusionary list of appraisers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: SC

Complaint narrative:
I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS 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 2021-01-21 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: SC

Complaint narrative:
I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: Nelnet, Inc.
State: PA

Complaint narrative:
I was just looking over my credit report and found some inaccuracies that I am demanding you correct. This is a closed account and I demand this account be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: MI

Complaint narrative:
Not aware of this bankruptcy account as you know reporting things inaccurate on my account is against the FCRA .I need a written response with complete information that shows I gave my written consent to a clerk at the courthouse attached along his or her name the date it happened the time it happened & the name of the person who handle my case I cant believe this happened Im just trying to take care of my girls. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I made a electronic payment to Shell/cbna account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, SD XXXX an amount of {$34.00} on XX/XX/XXXX the transaction did go through for what ever reason I don't Know the company never call me they never write me on XX/XX/XXXX I try using my card to buy some things and the card decline when I check the card i realize the credit limit decrease to {$200.00} inset of {$800.00}. I called XXXX costumer care representative pick my call I told him My Credit limit decrease, my card is declined, I lost 56 points on my credit report and i want to know the reason, she said my electronic or on line payment didn't go through she said the reason the number was wrong so i made anther transaction and this time it went through.On XXXX I called a representative and he answer me I told him my credit limit decreased he said he can fix it for me I said i may get hard inquire he said i will be fine.He did it online and the computer denied me which i get hard inquire.I told him to transfer me to his manager his name Mr XXXX. Mr XXXX said he has taken out the late payment fee and that the will work the credit report to fix 56 points and the hard inqure he said i will get a letter but i do not get a letter..On XXXX I made a check up I talk to XXXX who said she is a manager and said they can not do any thing in regards to my situation I told her please I'm your loyal costumer and if you check my payment history you will see that i pay my bills in time.She said give me your phone number i will call you but she never call me.Even before that one of them try agin to increase my credit limit and i get anther hard inquire she said don't worry it won't report to the credit company but when i hang up credit karma give me a signal.

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 2021-01-21 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
In XX/XX/2020, I was denied credit. I requested a copy of my credit report and discovered I am the victim of identity theft. I have placed all credit bureaus on notice. XX/XX/XXXXjust informed me that they contacted TD/BANK USA/TARGET CREDIT. TD/BANK says the account is accurate. 

TD/BANK will not supply any information used to open the account -- - where it was opened, what was address used, what was the telephone number used, how did they verify, signature. 

THE ACCOUNT IS FRAUDULENT AND I DID NOT OPEN IT OR THE SEVERAL OTHERS. MY CREDIT WAS PERFECT!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Bureaus, Inc.
State: SD

Complaint narrative:
Upon checking my credit report on XX/XX/XXXX, I noticed information for THE BUREAUS in the amount of {$830.00}. They agency reported the debt to my credit report on XX/XX/XXXX, however I never received any notification of this debt, validation of the debt, or information on my right to dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
On the loan officers Crosscountry Mortgage XXXX page XXXX XXXX XXXX Mr XXXX XXXX posted a scenario with his rate and the rate of 4 competitors. I was concerned that he did not. Have any disclosure or give the APR.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express closed my card in error. And they refuse to fix their error. I wanted to closed one of my cards ( Amex XXXX XXXX ) because changes in terms of the account. So the rep closes all my American Express accounts in error. The rep did not even read me the required disclosures. This happened on Thursday XX/XX/XXXX. American Express has been discriminating against me since XXXX. I finally had to retain a reputable law firm to look into this case of discrimination by American Express. American Express refuses to listen to the recorded call on XX/XX/XXXX, because they know they made an error. I no longer want to do business with American Express. I just want them to admit their mistake and apologize.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX Balance Owed : {$920.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX Balance Owed : {$0.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 

XXXX XXXX XXXX Balance Owed : {$0.00} - This account has not been updated correctly. You are still reporting an incorrect payment history so please delete this. 

XXXX XXXX XXXX XXXX Balance Owed : {$280.00} - You are reporting inaccurate information as the past due balance is wrong. Update or rather delete this erroneous account. 

XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - This account is showing several violations. You are reporting a Monthly payment on this closed account. These are violation please delete this account. 

XXXX XXXX XXXX Balance Owed : {$420.00} - This account shows a lot of violations. Balance is incorrect and payment history is inaccurate. Delinquencies reported after the account was closed. These are all violations please REMOVE this. 

XXXX XXXXXXXX Balance Owed : {$2300.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete immediately

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 2021-01-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see multiple 30-150 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-21 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX I purchased tickets for a football game ( XXXX @ XXXX  ) from the website XXXX. The cost of the tickets was {$1500.00} and the event was to be a celebration of my late father 's life with my family, my father loved the XXXX, and had passed away on XX/XX/XXXX due to covid. 

Our family purchased flights and hotel rooms to attend the event, and made plans. However, on XX/XX/XXXX, 4 hours before the event was to begin, the company sent an email explaining the event was no longer taking place at the time, and would be postponed. 

Additionally, the company did not even provide a rescheduled date until over 90 minutes AFTER the original event was about to start, providing no time or ability for us to make alternate arrangements with work schedules, or potentially even try to sell the tickets, as the company repeatedly removed our listing of the tickets so that we could not sell them! 

However, our family had no chance or ability to reschedule. The company sold us tickets to an event and then completely changed the date and time of the event, and refused to provide refunds. 

I disputed the transaction as dishonest, abusive and fraudulent, as the company changed the date and time of the event and provided no recourse to customers who spent hard earned money and time to attempt to attend but would no longer be able to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: SD

Complaint narrative:
Upon checking my credit report on XX/XX/XXXX, I noticed information for Portfolio Recovery in the amount of {$1100.00}. They agency reported the debt to my credit report on XX/XX/XXXX, however I never received any notification of this debt, validation of the debt, or information on my right to dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: SD

Complaint narrative:
Upon checking my credit report on XX/XX/XXXX, I noticed information for Jefferson Capitol System in the amount of {$2600.00}. The agency reported the debt to my credit reports on XX/XX/XXXX, however I never received any notification of this debt, validation of the debt, or information on my right to dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
My father died seven months ago, and as his only heir I became the successor in interest to his home. The home had a mortgage of less than {$30000.00} at the time, and I immediately notified PNC Bank, the lien holder, and sought to be declared the successor in interest so I could pay off the mortgage and sell the home. After his death, the Title Company executed an Affidavit of Heirship, and I provided a successor in interest form to PNC Bank on at least three occasions. 

The home sold more than 20 days ago, and the proceeds are being held by the Title Company pending distribution on receiving a payoff amount. I have since contacted every single division of PNC, the Senior Counsel, and a random loan officer I found through a mutual acquaintance. Each has responded similarly to this statement : This inquiry will be forwarded to the appropriate parties at PNC. I am not the correct party to receive this request, and have no knowledge of the underlying legal concern XXXX XXXX XXXX Senior Counsel PNC Bank , National Association XXXX XXXX XXXX, XXXX XXXX Locator : XXXX XXXX XXXX, IL XXXX XXXX Phone XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: CA

Complaint narrative:
XXXX XXXX Balance Owed : {$920.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX  XXXX Balance Owed : {$0.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 

XXXX XXXX XXXX Balance Owed : {$0.00} - This account has not been updated correctly. You are still reporting an incorrect payment history so please delete this. 

XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} - This account is showing several violations. You are reporting a Monthly payment on this closed account. These are violation please delete this account. 

XXXX XXXX XXXX XXXX Balance Owed : {$620.00} - In this collection, there should not be any outstanding bills as ALL bills are covered under my compensation insurance. This is inaccurate. Please provide me with a breakdown of the fees or delete this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX has sent my private payment information to the credit bureaus with out my consent violating my privacy rights as a consumer. It states in the 15USC 1681 ( a ) ( 4 ) and ( b ) that consumer reporting agencies should exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy, ( b ) and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. The credit bureaus should not be allowed to add my private payment information to any report sent by a creditor who is also violating my privacy rights by sharing my information without my consent. Therefore I demand that this account be removed immediately from my credit report.

Company response to consumer: Closed with explanation