vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-14 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I called and talked with a representative in XX/XX/2020. I asked to be put on the forbearance when XXXX hit. They assured me that I would not be marked late and that it would not report negatively on my credit report. I have contacted XXXX in XX/XX/2020 and they refunded me from the Late Payment fee they accidentally charged me but did not change on my credit report that I have never been late on any 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 2022-02-14 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: MI

Complaint narrative:
This inquiry does not make sense to me, I think this was not intentionally done. I can not remember it. 
XXXX XXXX  Date of inquiry XX/XX/2020

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 2022-02-14 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: MI

Complaint narrative:
This inquiry does not make sense to me, I think this was not intentionally done. I can not remember it. 
XXXX XXXX Date of inquiry XX/XX/2020

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 2022-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: MIB Group, Inc.
State: CA

Complaint narrative:
Mib inc is reporting inaccurate information regarding my medical records I asked too opt out of there company they refuse too help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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 found out my information was leaked in a data breach and I noticed inquiries, I did not consent to any of these and am requesting you remove this from my report as I didn't benefit from any of these. These originated from identity theft, and I am not laible for these and need it 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 non-monetary relief
Consumer complaint received 2022-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: NY

Complaint narrative:
I applied for a 2nd second home mortgage back at the end of XXXX and have had a horrible experience with with the lender XXXX. Loan officer XXXX XXXX | XXXX # XXXX was the person working on my loan. She refused to communicate properly with me and just sent forms for me to sign through a online portal. While I tried to look over the forms carefully, I missed the box being checked that my mortgage rate of 4 % wasnt locked in. XXXX wouldnt verbally discuss the interest rate or locking it in or not. She wouldnt explain the process with me at all. I was totally in the dark and I expected that a loan officer would explain things to me that were important like my interest rate being locked in or not. It wasnt locked in and now interest rates are 5.25 %. A new loan officer informed me that the interest rate will be now 4.75 % and I will have to come up with {$6800.00} in order to close because of XXXX not informing me that I needed to make a decision about locking in or not. She wouldnt take my calls and ignored me. When I asked her about the interest rate on XXXX, she gaslighted me saying we discussed the interest rate. I assure you we most certainly did not. She shouldnt allowed to work with the public anymore. I trusted that I would have the process explained to me. She didnt feel she needing to communicate with me other than sending forms I didnt understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: TX

Complaint narrative:
Re : DELETE FRAUD ACCOUNTS UNDER SCRA 50 USC 3953 As indicated above my information may have changed in your files since my last confirmation dispute, please apply all changes to the information above. 
1. DPT EDXXXX Acct # XXXX Opened on XX/XX/XXXX This account does not belong to Me, SCRA XXXX  Immediate Removal Per Section 533 ( c ) ( codified at 50 USC 3953 )! I have requested where I have signed for this DEBT NO CONTRACT HAS BEEN PROVIDED. Possible Fraudulent account using my name & SSN to establish credit DELETE this from my credit file per Texas Finance Code under Title 5 Chapter 392, Sec 392.001 ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ) ( 6 ) ( 7 ) ( A ) ( B ) Sec 392.101 ( a ) ( b ) ( 1 ) ( 2 ) ( c ) Sec 392.102 and Subchapter C. 392.201 392.202 ( a ) ( b ) - ( e ) ( 1 ) ( 2 ) ( 3 ) 2. XXXX Acct # XXXX Opened on XX/XX/XXXX This account does not belong to Me, SCRA XXXX Immediate Removal Per Section 533 ( c ) ( codified at 50 USC 3953 )! I have requested where I have signed for this DEBT NO CONTRACT HAS BEEN PROVIDED. Possible Fraudulent account using my name & SSN to establish credit DELETE this from my credit file per Texas Finance Code under Title 5 Chapter 392, Sec 392.001 ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ) ( 6 ) ( 7 ) ( A ) ( B ) Sec 392.101 ( a ) ( b ) ( 1 ) ( 2 ) ( c ) Sec 392.102 and Subchapter C. 392.201 392.202 ( a ) ( b ) - ( e ) ( 1 ) ( 2 ) ( 3 ) 3. XXXX Acct # XXXX Opened on 7/2019 This account does not belong to Me, SCRA XXXX Immediate Removal Per Section 533 ( c ) ( codified at 50 USC 3953 )! I have requested where I have signed for this DEBT NO CONTRACT HAS BEEN PROVIDED. Possible Fraudulent account using my name & SSN to establish credit DELETE this from my credit file per Texas Finance Code under Title 5 Chapter 392, Sec 392.001 ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ) ( 6 ) ( 7 ) ( A ) ( B ) Sec 392.101 ( a ) ( b ) ( 1 ) ( 2 ) ( c ) Sec 392.102 and Subchapter C. 392.201 392.202 ( a ) ( b ) - ( e ) ( 1 ) ( 2 ) ( 3 ) 4. XXXX XXXX Acct # XXXX Opened on 4/2017 This account does not belong to Me, SCRA XXXX  Immediate Removal Per Section 533 ( c ) ( codified at 50 USC 3953 )! I have requested where I have signed for this DEBT NO CONTRACT HAS BEEN PROVIDED. Possible Fraudulent account using my name & SSN to establish credit DELETE this from my credit file per Texas Finance Code under Title 5 Chapter 392, Sec 392.001 ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ) ( 6 ) ( 7 ) ( A ) ( B ) Sec 392.101 ( a ) ( b ) ( 1 ) ( 2 ) ( c ) Sec 392.102 and Subchapter C. 392.201 392.202 ( a ) ( b ) - ( e ) ( 1 ) ( 2 ) ( 3 )

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 2022-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
It has come to my attention that Wells Fargo service has denied me of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ). As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making Wells Fargo Union an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request! It is shocking to me that Wells Fargo takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system

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 2022-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2022-02-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: MN

Complaint narrative:
I applied to refinance my student loans with Citizens Bank based on an offer sent in the mail. A component of this offer was a {$500.00} XXXX gift card. Rates are competitive, so this was the aspect that set Citizens apart from others like XXXX. I went to the website listed on the letter and got rates and later finished my application. 

Recently I followed up with Citizens on the status of the {$500.00} XXXX gift card. I was told I do not qualify because my application was routed through a third party they contract with ( XXXX? ). I have never communicated with this third party, nor have I heard of them. All Citizens was willing to tell me was that somehow my application went sent through them. As a customer I had no control over this. I followed the instructions on the offer letter and had no knowledge a third party became involved ( it is still unclear how or why this third party is involved ). 

It appears Citizens promoted an offer and then routed me to a third party in order to avoid honoring the offer. I also, of course, now have concerns about this third party having access to this data without my knowledge or permission. 

Citizens has been unwilling to remediate this situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-14 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: ME

Complaint narrative:
This complaint is in reference to my prior complaint against Experian, which is CFPB complaint # XXXX, which I filed as a result of Experian 's complete and total failure to respond to my XXXX letter, demanding they provide me with their METHOD OF VERIFICATION for an account that is falsely reporting in the derogatory. I XXXX of 2021, I sent a XXXX letter, exercising my rights under FCRA, which states that, upon request, the credit bureaus are required to provide THE METHOD OF VERIFICATION that they used to " verify '' an account as accurate, including the original contract containing any signatures. Experian entirely failed to do this. Instead, they simply opened another dispute on this account, only to almost immediately come back and, once again, verify it as " accurate. '' Experian has BLATANTLY violated MY RIGHTS under FCRA by refusing to provide the information that I am fully entitled to, so I filed CFPB complaint # XXXX stating that since they failed to send me the method of verification for this account within 30 days ( they did not end it AT ALL ), they are now required to IMMEDIATELY DELETE this account from my credit report. In response to CFPB complaint XXXX, Experian stated , " We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. At your request to begin a reinvestigation, we are in the process of contacting the data furnisher ( s ) or public record vendor to verify the accuracy of the information with which you disagree. '' THAT IS NOT WHAT I ASKED FOR!!!!!!!!!!!!!!!!!!!! I CLEARLY stated in CFPB complaint XXXX that Experian is now required to DELETE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY for failure to respond to my XXXX letter and provide me WITH THE METHOD OF VERIFICATION with which they are verifying this account. Therefore, my next step is to file a LAWSUIT AGAINST EXPERIAN for flagrantly VIOLATING MY RIGHTS under FCRA by failing to respond to my XXXX letter and failing to provide the documentation that I am entitled to.

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 2022-02-14 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: MI

Complaint narrative:
This inquiry does not make sense to me, I think this was not intentionally done. I can not remember it. 
XXXX C Date of inquiry XX/XX/2020

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 2022-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: U.S. BANCORP
State: MD

Complaint narrative:
I have a car financed through US Bank that has been deemed a total loss. US Bank provided my insurance company with a payout amount almost {$9000.00} more than what I currently owe on the loan. When I called customer service to confirm the payout amount that was provided to my insurance company and to determine why the amount was so significantly different they stated that since it is a total loss they will only discuss my payoff amount with my insurance company.

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 2022-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy ( if any ) from my credit report 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 non-monetary relief
Consumer complaint received 2022-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy ( if any ) from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed a dispute with Experian on XX/XX/XXXX on this account letting them know I have no knowledge and requested a full validation under XXXX  XXXX and requested information on the company right to collect under fair credit and billing act. I have not heard back from Experian. I have also filed a complaint with CFPB and no action was done. Please provide the requested information or otherwise delete the account. I am also looking into filing a complaint to the XXXX and XXXX. 

disputed account : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  {$560.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number 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 2022-02-14 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: WI

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2022-02-14 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I purchased my vehicle a XXXX XXXX XXXX back in XXXX. While at the dealership the agent told me he would get set up on auto-pay as it was the easiest payment system they had. After signing some documents I went on with my day. However, a couple of months goes by and I get a call from XXXX XXXX saying I missed a payment by XXXX days. I was confused because I remembered setting up automatic payments to my account. After speaking with the agent about my problem he went on to set me up for automatic payments once again. I had hoped this time I would be working. However, it wasn't the case. I got another call in XXXX about my missed payment. I called them and explained the situation. Due to the lack of execution from the dealership and the bank company my credit had dropped XXXX points which took me years to build. I called wells XXXX and they apologized and admitted their side of the mistake and told me to contact the credit bureau in order to fix my credit. I called and spoke with a credit bureau and sent in a dispute. However, when the dispute was returned on XX/XX/XXXX nothing was fixed. My credit was still heavily impacted and my missed payment was still on the record.

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 2022-02-14 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief