vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-09 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: MO

Complaint narrative:
I first contacted TransUnion on XX/XX/XXXX after I my background check failed for a prospective employer. At that time the report failed because it stated that my social security number didn't match my name. During my conversation with TransUnion I was advised that my social security number had been crossed with another account and the issue would be fixed. I then ordered a copy of my credit report where I noticed several account, addresses, phone numbers as well as another name that didn't belong to me on my records. I then contracted with a credit restoration company to begin disputing the information. I sent several dispute letters to try and get the information corrected and each time TransUnion came back and told me that the information had been verified as correct. On XXXX XXXX I sent a letter to TransUnion asking them to provide proof as to how the information was verified, I received a letter back from TransUnion advising me that they are not require to dispute items previously verified as accurate. I then sent a Personal Identifier Letter to TransUnion on XX/XX/XXXX which contain my legal name, date of birth and my address along with a copy of my ID, ss card, and proof of address. Then today XX/XX/XXXX I received several monitoring notifications that showed TransUnion added 2 additional address to my account. One is a previous address that I stayed at which isn't a problem but I am showing several address in both Missouri and Texas that I have never stayed. This is seriously having an affect on my credit and my life. The person who's name they have listed as my alias XXXX XXXX stole my identity over 30 years ago and I have been trying to get this issue fixed not to mention that I have had my identity stolen several times. My information was found on a computer confiscated by an individual back in XXXX, I filed a report then, my information has been leaked in both XXXX and XXXX   breaches. At this point I just want TransUnion to correct the misinformation before I miss any more opportunities.

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 2020-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
With reference to XXXX the complaint was closed however this is far from over. It still is not rectified. Here is why : Firstly it should be noted that I received two final account statements with the SAME date posted on them but two very different sets of amounts and totals. If the final account statement was adjusted, why is the date the same and why did Professional Debt Mediation use the higher statement amount for posting to my credit? In addition, after receiving two final account statements with the same dates, why did Professional Debt Mediation refuse to remove this erroneous collection from my credit due to an obvious conflict of amount owed. This alone reeks of unethical, unprofessional and unlawful business practice but there is more. 

Secondly, Professional Debt Mediation who is not the Magistrate Court of GA and has no authority to deem what is due to XXXX XXXX stated and I quote She is obviously responsible for the Dispo fee since her information was referred to an attorney for eviction. This is significant because under Georgia law there are requirements for evicting a tenant, which in this case were not met. In fact even though I requested the eviction notice, papers and copies of the filing on several occasions before I moved out, they were never delivered to me by XXXX XXXX XXXX or the Court. Therefore it would be in your best  interest to remove this erroneous collection from my credit bureau reports. 

Finally and equally significant, according to the statements you forwarded to me, you received final account statements for an address at XXXX XXXX XXXX XXXX GA XXXX. I had a rental agreement for and lived at XXXX XXXX XXXX XXXX GA XXXX. This debt therefore does not believe to me. It would be in your best interest to remove this erroneous collection from my credit bureau reports. 

I should also note that I left XXXX XXXX XXXX, before XX/XX/XXXX, and not because I bought a home but because I was in two car  accidents one in XXXX and again in XXXX and was no longer working due to medical issues. XXXX XXXX the then Manager of XXXX XXXX XXXX was informed of both accidents, but obviously unconcerned, which is evident in those wholly inaccurate final account statements she prepared and actually used to try to bring me financial harm. Due to all of this additional information, it would be in your best interest to remove this erroneous collection from my credit bureau reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Revenue Corporation
State: TX

Complaint narrative:
I e contacted United Revenue Corp through XXXX and disputed duplicate accounts for {$1000.00} on my credit report 3 times and is the same account and one for {$330.00} on the report twice with this same company. Ive requested the original docs with my signature showing the debt was owed and have received nothing and XXXX   has closed the dispute. My credit is being penalized because of 4 extra accounts showing that are actually duplicates.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 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: IL

Complaint narrative:
I have disputed with all three credit bureaus to have the dismissed Chapter XXXX deleted due to being misguided by the lawyer group XXXX XXXX XXXX on the proper filing for Chapter XXXX. Ive submitted disputes every quarter starting in 2018 via the bureaus direct websites.

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 2020-08-09 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: IL

Complaint narrative:
I have disputed with all three credit bureaus to have the dismissed Chapter XXXX deleted due to being misguided by the lawyer group XXXX XXXX XXXX on the proper filing for Chapter XXXX. Ive submitted disputes every quarter starting in 2018 via the bureaus direct websites.

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 2020-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Trying to link my PNC account with XXXX investments with no avail, continually errors and says to fill out this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
I reached out to the company via mail on XX/XX/XXXX. I requested validation of debt and I never received a response back. It has been more than 30 days, violating my FCRA rights. The agency has unverifiable information therefore, They need to delete all information from all credit bureaus. 

Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: AL

Complaint narrative:
I received a payment thru XXXX XXXX but pnc, my bank won't acknowledge the app, so now my money is unavailable ... just let them link ... what an inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 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: NY

Complaint narrative:
I am looking at my credit report on XX/XX/2020 there are 2 items I never authorized anyone to pull a hard inquiry and is inaccurate. Possibly fraud. I got a hard inquiry XX/XX/2020 from XXXX and XXXX XXXX on XX/XX/2020. Both I never authorized and believe to be fraud it is currently reporting inaccurately on my XXXX. I would just like them to know I do not have any recolonization of this and ask that this be removed from all credit reporting agencies as I did not give anyone the right to run my credit without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 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: NY

Complaint narrative:
I am looking at my credit report on XX/XX/2020 there are 2 items I never authorized anyone to pull a hard inquiry and is inaccurate. Possibly fraud. I got a hard inquiry XX/XX/2020 from XXXX and XXXX XXXX on XX/XX/2020. Both I never authorized and believe to be fraud it is currently reporting inaccurately on my XXXX. I would just like them to know I do not have any recolonization of this and ask that this be removed from all credit reporting agencies as I did not give anyone the right to run my credit without my knowledge.

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 2020-08-09 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: NY

Complaint narrative:
I am looking at my credit report on XX/XX/2020 there are 2 items I never authorized anyone to pull a hard inquiry and is inaccurate. Possibly fraud. I got a hard inquiry XX/XX/2020 from XXXX and XXXX XXXX on XX/XX/2020. Both I never authorized and believe to be fraud it is currently reporting inaccurately on my transunion. I would just like them to know I do not have any recolonization of this and ask that this be removed from all credit reporting agencies as I did not give anyone the right to run my credit without my knowledge.

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 2020-08-09 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: SC

Complaint narrative:
SENT IN A COMPLAINT ORIGINALLY ON XX/XX/2029 AND RECIEVED THIS GENERIC RESPONSE. I've sent in a request to remove inaccurate fraudulent information to all 3 credit bureaus Only two CRA that verified the information as  accurate which they did electronically, which I stated I did not want them to do, since the information will match up do to my sensitive personal data being compromised. I've called, faxed and mailed in information to support my claims but to no avail. My calls are routed to a call center outside of the USA, and they are not much help and can never locate the information I've mailed to the bureaus address. I stated over the phone and in previous letters that I am not submitted a normal dispute, I am reporting fraud, and would like the account removed. I've consulted with each furnisher in question, and they are aware, however you continue to report these accounts, no other bureaus do.

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 2020-08-09 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: SC

Complaint narrative:
I've sent in a request to remove inaccurate fraudulent information to all 3 credit bureaus Only two CRA that verified the information as accurate which they did electronically, which I stated I did not want them to do, since the information will match up do to my sensitive personal data being compromised. I've called, faxed and mailed in information to support my claims but to no avail. My calls are routed to a call center outside of the USA, and they are not much help and can never locate the information I've mailed to the bureaus address. I stated over the phone and in previous letters that I am not submitted a normal dispute, I am reporting fraud, and would like the account removed. I've consulted with each furnisher in question, and they are aware, however you continue to report these accounts, no other bureaus do.

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 2020-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
PNC will not allow me to use my checking account to fund my XXXX stock account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 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: NY

Complaint narrative:
On XX/XX/2019 there was a few hard pulls made without my authorization. I believe this to be the car dealership. I never authorized the following inquiry pulls XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX 2x all on the date I mentioned earlier XX/XX/2019. There is also another inaccurate date and pull of XXXX  on XX/XX/2019. I have called transunion, XXXX, XXXX   in the past and they never updated this as they said they would. I never signed anything or gave anyone authorization to run my credit without my knowledge on all the above items.

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 2020-08-09 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: FL

Complaint narrative:
After applying for a credit card and being denied I decided to review my credit and was devastated to learn that my identity has been compromised and used for things that I have no knowledge of. I am angry to have learned this and would like this resolved as soon as possible.

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 2020-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fairway Independent Mortgage Corporation
State: CA

Complaint narrative:
XXXX XXXX and XXXX XXXX of Fairway Mortgage have refused to process my loan application. I am XXXX XXXX XXXX. They denied me verbally on XX/XX/XXXX and I requested the denial and reason in writing. They have refused. Today I requested a lower loan amount and they refused to even process the application. XXXX stayed, you dont qualify for any amount. I have mortgage credit scores of XXXX and XXXX. I have worked for the state of XXXX for 18 years and I make more than XXXX. I have a debt to income ratio of less than 15 % and I was asking for XXXX loan. I have no bankruptcies, foreclosures, or any late payments on anything in the last couple years and I pay rent of XXXX and have XXXX to put down. But I am XXXX and they refuse to process my application for either an fha or conventional. This would be the first home I have bought and it is very discouraging to be refused to even be considered because of my age.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: NM

Complaint narrative:
Every time I was having difficulties making payments to this creditor I always communicated my issue and submitted the paperwork required for forbearance or deferment of payments for a period set by the creditor based off my circumstances. While this was often reflected on my credit report, there were few situations where the forbearance was not reported to the credit bureaus and instead was left on my credit report as 30, 60, 90,120 day lates or missed payments. 

I began submitting disputes with all three credit reporting agencies on numerous occasions beginning XX/XX/XXXX ( The day I first learned of this issue because was denied a job ) then I resubmitted my disputes to the credit bureaus every 4 months all the way through XXXX of XXXX. 

I employed a credit repair company in XXXX, at great expense, that also conducted credit disputes with all three credit reporting agencies regarding this account on my behalf through the year of XXXX ( Submitted on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. ) I wrote goodwill letters to the company Account Manager ( POC ), Regional manager and CEO requesting the changes be made to my payment history in good faith as I was paying what I could, whenever I could. As a XXXX  XXXX  Veteran of the XXXX XXXX, with the XXXX ( XXXX  and XXXX  ) I sustained during XXXX XXXX XXXX ( XXXX  ), I had difficulties in finding gainful employment the first few years after my return to civilian life which made fulfilling my student loan obligations impossible under the circumstances The company then changed internal policy to allow for issuance of retroactive forbearance on accounts, so I applied for the application of this policy to my missed payments and was told that my lates were ineligible. 

I PAID IN FULL and closed the account last year with the condition, and under verbal agreement that, once the account was paid off, the past disputes I submitted would be addressed and the late payments recorded on my account would be removed from my credit report. 

Now that the the account is closed and PAID IN FULL, I no longer have access to the digital correspondence between the company representatives and myself or the confirmation letters of forbearance/deferrment that I provided in order to confirm that the requested adjustments to my payment history are valid and to be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 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: NY

Complaint narrative:
On XX/XX/2019 there was a few hard pulls made without my authorization. I believe this to be the car dealership. I never authorized the following inquiry pulls XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX 2x all on the date I mentioned earlier XX/XX/2019. There is also another inaccurate date and pull of XXXX  on XX/XX/2019. I have called XXXX, equifax, XXXX   in the past and they never updated this as they said they would. I never signed anything or gave anyone authorization to run my credit without my knowledge on all the above items.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 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: NY

Complaint narrative:
On XX/XX/2019 there was a few hard pulls made without my authorization. I believe this to be the car dealership. I never authorized the following inquiry pulls XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX 2x all on the date I mentioned earlier XX/XX/2019. There is also another inaccurate date and pull of XXXX  on XX/XX/2019. I have called XXXX, XXXX, experian in the past and they never updated this as they said they would. I never signed anything or gave anyone authorization to run my credit without my knowledge on all the above items.

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