vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-13 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: VA

Complaint narrative:
XX/XX/2022, I was placed on review from my job, because of how items were reporting on my credit report, I reached out to the 3 credit bureaus. XXXX, XXXX and TransUnion to inform them about them about the lack of accuracy, completeness and verifiable nature on my credit report. In XXXX they told me to send a copy of my social, proof of address and identification, I did as they request and nothing was done. I made complaints and they stated everything was verified, because of their lack of corporation I was fired today from my place of employment, last month XX/XX/2022, I was placed on leave without pay because this was not rectified. My credit score has dropped from XXXX across all 3 bureaus to the XXXX 's. I have fallen behind on bills and is having a hard time paying my mortgage. The FCRA states that the 3 bureaus are suppose to report Accurate information I have proof to show that they are not reporting accurate, I have multiple spellings of my name and 3 different address, I have account that are different on all 3 bureaus. I accounts showing with account numbers that are not mine different remarks and balances. Also when I ask about how they verified the information, I never get an answer. The leave of absence was already a burden not the loss of employment before the XXXX holidays have effected my family tremendously. I have migraines, thinking about where my next meal might come from, if I'm going to lose my house, my wife has threaten to leave me and I have to clue how to explain the difficulties of not having a XXXX to my XXXX year old. I also attached the green return receipt from the correspondence I mailed to the bureaus also a copy of the proof of ID, proof of address and SS card all marked out.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-13 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: VA

Complaint narrative:
XX/XX/2022, I was placed on review from my job, because of how items were reporting on my credit report, I reached out to the 3 credit bureaus. XXXX, Equifax and XXXX to inform them about them about the lack of accuracy, completeness and verifiable nature on my credit report. In XXXX they told me to send a copy of my social, proof of address and identification, I did as they request and nothing was done. I made complaints and they stated everything was verified, because of their lack of corporation I was fired today from my place of employment, last month XX/XX/2022, I was placed on leave without pay because this was not rectified. My credit score has dropped from XXXX across all 3 bureaus to the XXXX 's. I have fallen behind on bills and is having a hard time paying my mortgage. The FCRA states that the 3 bureaus are suppose to report Accurate information I have proof to show that they are not reporting accurate, I have multiple spellings of my name and 3 different address, I have account that are different on all 3 bureaus. I accounts showing with account numbers that are not mine different remarks and balances. Also when I ask about how they verified the information, I never get an answer. The leave of absence was already a burden not the loss of employment before the XXXX holidays have effected my family tremendously. I have migraines, thinking about where my next meal might come from, if I'm going to lose my house, my wife has threaten to leave me and I have to clue how to explain the difficulties of not having a XXXX to my XXXX year old. I also attached the green return receipt from the correspondence I mailed to the bureaus also a copy of the proof of ID, proof of address and SS card all marked out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
In XXXX of 2020 I bought a TV from Best Buy with my Best Buy credit card. XXXX was {$2000.00} on 24 months interest free promotion. I set up a {$100.00} auto draft to pay it off in time to not pay any interest. During the 24 months. I put a random purchase on the card, and turns out Citi Bank 's terms & conditions state that the auto-draft payment goes to the higher interest balance first. So it paid off those random purchases first. $ XXXX random purchase I wouldn't have done had I known this would happen. This caused me to miss the 24 month payoff and accrue interest for the entire purchase. I was under the impression my auto-payment was going to the main {$2000.00} balance first, not the smallest balance. This has caused me to have a {$2200.00} balance, over 2 YEARS after paying {$2400.00} to this balance. I called Citi Bank and they just told me there's nothing they can do. Best Buy said call Citi Bank they can't do anything either. 

A {$2000.00} balance right before XXXX because Citi 's terrible policy they have in place to purposely catch people up and force them to pay interest. It's a clever rule that other banks don't have, I work at a bank and have for a decade. 

I'm going to speak to my attorney and see what legal options I have, but wanted to reach out to the CFPB for help. I've had success before with 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 2022-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: TN

Complaint narrative:
The Money Source mistakenly was sending the insurance payment on my property to and for the wrong property address. When we realized this, they tried to make e responsible for the error. I insisted that it was their fault becsuse my insurance was impounded. They refused to listen to me. I reported the issue to CFPB in XXXX ant XX/XX/2022. When CFPB contacted them, they recounted their position and decided to take care of the problem that they caused. Now CFPB has closed the file. This rogue company resurrected the issue of XXXX XXXX again. 

This is an issue they had resolved when CFPB contacted them. My insurance was impounded since I purchased this loan, how can I have a lapse in insurance? 

I am asking CFPB to investigate this claim with the last claim on XXXX XXXX XXXX brought to your attention in XXXX XXXX and see how XXXX is attempting to resurrect this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: NY

Complaint narrative:
I have a closed account with XXXX XXXX They have reported false late payments. I have asked XXXX, Equifax and XXXX to investigate and provide written documentation of the updated payment history. All three have failed to accurately report and remove accounts that have not been validated. 

XXXX states I was late in XXXX of 2021 with XXXX but reported I was on time with XXXX and Equifax. I was never late. 

Per o Section 611 ( Procedure in Case of Disputed Accuracy ), that person must, pursuant to Section 623 ( b ) : 1. conduct an investigation regarding the disputed information ; 2. review all relevant information the consumer reporting agency provided along with the notice ; 3. report the results of the investigation to the consumer reporting agency ; 4. if the investigation finds the information is incomplete or inaccurate, report those results to all nationwide consumer reporting agencies to which the financial institution previously provided the information ; and 5. if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do one of the following : a. modify the item of information.

b. delete the item of information.

c. permanently block the reporting of that item of information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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 have a closed account with XXXX XXXX They have reported false late payments. I have asked XXXX, XXXX and Experian to investigate and provide written documentation of the updated payment history. All three have failed to accurately report and remove accounts that have not been validated. 

XXXX states I was late in XXXX of 2021 with Experian but XXXX I was on time with XXXX and XXXX. I was never late. 

Per o Section 611 ( Procedure in Case of Disputed Accuracy ), that person must, pursuant to Section 623 ( b ) : 1. conduct an investigation regarding the disputed information ; 2. review all relevant information the consumer reporting agency provided along with the notice ; 3. report the results of the investigation to the consumer reporting agency ; 4. if the investigation finds the information is incomplete or inaccurate, report those results to all nationwide consumer reporting agencies to which the financial institution previously provided the information ; and 5. if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do one of the following : a. modify the item of information.

b. delete the item of information. 
c. permanently block the reporting of that item of information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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:
This is my several endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XX/XX/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 2022-12-13 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:
This is my several endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: MO

Complaint narrative:
On my credit report there is a late payment in XXXX of XXXX and XXXX of XXXX showing as 30 days late, that payment was not 30days late and this needs to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: MO

Complaint narrative:
On my credit report there is a late payment in XXXX of XXXX and XXXX of XXXX showing as 30 days late, that payment was not 30days late and this needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Ive contacted XXXX today because I seen a fraudulent report I told them I had a false information on my credit I spoke with XXXX she she couldnt help Ive asked for a XXXX he set me to the fraud department where the lady was more disrespectful then XXXX. The lady in the fraud department pulled up the account and said it was not fraud almost immediately then said because its a typo it not fraud and also said because the bill was paid it was not fraud. I kept telling her it was fraud Ive also asked the contract but she claims she didnt have access to that. I asked if she could transfer me she continued to arguing with me on how shes been doing her job then she asked if she could transfer me to financial who could while still arguing her opinion on how its not. I talked to financial and they couldnt find my account nor did they have the access to send me a contract. So she sent me to billing where XXXX couldnt find the account at all. the only person who supposedly could send me the contract couldnt find the account # 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 2022-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
This company continues to contact me for debt that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: MS

Complaint narrative:
This is my FURTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: NC

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 U.S.C 1681.

Equifax is governed by 15 U.S.C 1681, equifax has violated my rights numerous of times. I demand the accounts below be removed immediately : XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX ACCORDING to 15 U.S.C 1681 ; I have the right to privacy and I did not give Equifax written permission to furnish these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Company is refusing to remove these late/negative remarks from my consumer file immediately. According to 15 USC 1605 Determination of Finance Charge, because the finance charge is the sum of all charges, so what that means is, according to the documents you sent me, the finance charge is equal to the sum of all charges, that includes alleged late payments. Basically with the finance charge, this property was paid off according to he contract. Also 15 USC 1666b, Timing of Payments, there should be notice 21 days before bill is due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Company is refusing to remove these late/negative remarks from my consumer file immediately. According to XXXX USC 1605 Determination of Finance Charge, because the finance charge is the sum of all charges, so what that means is, according to the documents you sent me, the finance charge is equal to the sum of all charges, that includes alleged late payments. Basically with the finance charge, this property was paid off according to he contract. Also 15 USC 1666b, Timing of Payments, there should be notice 21 days before bill is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: NC

Complaint narrative:
Equifax has mangled my sons credit report. 

I have twin sons. XXXX and XXXX XXXX. 

My son XXXX applied for a loan through the XXXX and was approved for {$7500.00}. Hes had steady jobs since he was XXXX. He is XXXX. 

When we tried to finalize the loan through Equifax, we discovered that they had put XXXX information into XXXX SS #. 

XXXX - XXXX XXXX XXXX XXXX XXXX has no history, we discovered, because XXXX information occupies XXXX #. And Equifax asked XXXX to fax XXXX  Driver 's License and SS card for proof. But nothing has happened. Its been a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/2022, I received communication that my account was closed despite it having a zero balance for several months and despite me never being late with the lender. I kept the account open to show positive on my credit report. Now with the unilateral creditor closure without any warning at all, will gravely affect my credit score. This is unfair for a regular American like myself, having XXXX children and trying to make the best of my life and my financial obligations which I never escape from. The creditor is Synchrony Bank for Care Credit. I had another account with them years ago and they closed it last time for none use. This time they closed it claiming low credit score and high balances. They do not know my situation and have no idea that my refinance which I have attempted 3 times in 3 different timeframes keep making hard inquiries that have costed me big for no reason at all. All a waste of time with each lender too. I am defeated with these creditors.

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