vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-06 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: MD

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-04-06 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: MD

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor and/or collection agency however there is nothing notated on my credit reports that these items were ever disputed. that is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2022-04-06 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: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-04-06 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: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: MD

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor and/or collection agency however there is nothing notated on my credit reports that these items were ever disputed. that is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2022-04-06 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: MD

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor and/or collection agency however there is nothing notated on my credit reports that these items were ever disputed. that is a violation and these items need to be deleted and/or the late payments need to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: GA

Complaint narrative:
Transunion is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 7 complaints informing Transunion that I was a victim of identity theft. Transunion is failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Transunion has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : 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 non-monetary relief
Consumer complaint received 2022-04-06 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: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-04-06 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: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In 2017 Equifax was beached and my identity used to ruin my financial security, sense of Safety along with all 3 credit agencies, Equifax, XXXX and XXXX along with financial institutions XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX  and collections accounts l : XXXXl, XXXX, XXXX XXXX XXXX Collections Account Closed Collections Balance Decrease positive change : XXXX XXXX XXXX XXXX Failure to remove any of the listed derogatory remarks, false Information and defaming information on my credit file. All of these companies are breaking the law and discriminating against and fraud/ID victim. This has caused grat hardship, a mentall and physical Itoll over the last 6 years. This is criminal, negligent, and against FTC and consumer finance laws and regulations. I am begging for help in holding all of tgese compainea liable and accountable to damage to my credit, my ablilitj to get loans, refinance, apply for credit cards and crippled me financially. I have XXXX k in home equity which I have absolutely no way to utilize be ate loans will not be granted, Ive been denied for refinance and I can no longer stand for This to continue. If the derogatory remarks, information and false information is not only removed immediately biut that it remains off. I have spent years now only to have the information back on my report. There are laws against doing this and my rights are being violated. Im saving for a Lawyer and will alert the media. Because of Equifax having the data breach my personal information back was used and my credit destroyed. Equifax ruined me life and continues to do so. who governs this?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
What a horrible bank experience I applied for XXXX credit cards bilt and another one and they approved me for my bilt sent it to me by mail and then their fraud dept calls me telling me they are restricting my account because they made a mistake to approve me after sending me my card this makes no sense what bank does this and tells the customer this I cant use XXXX XXXXXXXX XXXX  after I was approved this isnt fair they want me to visit a branch to show Id Ive never been treated like this and my fraud alert I have on mt credit report was verified before approving my credit card application the fraud rep did not let me even let me speak said XXXX account was restricted until I completed verification but I already did they send me a text with a passcode before approving me for {$2500.00} this makes no sense how they cant see that and can get away with this such a frustrating experience

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 2022-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
on XXXX sent a letter to transition disputing information on an account named XXXX  I never received a return information or respond meaning the credit bureaus are entitled to delete it permanently off my report

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 2022-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please FIX the account completely from my Credit Reports : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please FIX the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$12000.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$0.00}

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 2022-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please FIX the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$0.00}

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 2022-04-06 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: LA

Complaint narrative:
I discovered illegal unapproved accounts on my profile report. I'm concerned that you've included the following information in my credit profile and that you've forgotten to follow reasonable procedures to ensure the most extreme possible accuracy in the credit reports you provide. Credit reporting rules require agencies to provide only accurate credit data. Each step should be taken to ensure that the data given is completely accurate and correct. The accompanying data should be researched in this manner. After carefully pulling my credit report from your service, I am having significant difficulty locating inaccurate/invalidated accounts. I am unaware of these items or false information since my personal information was impacted by the XXXX data breach and may have ended up in the wrong hands. You are filing reports recklessly and inaccurately, in violation of the FRCA. I am aware that you lack legal standing as a federally protected consumer, and that you can not retain an attorney to represent you against me. 
I will seek a default judgment and bring a class action lawsuit against the corporation for violations, stress, and XXXX XXXX on behalf of at least 1 % of the corporation, pursuant to TILA 1640, OR ANY OTHER AMOUNT OF DAMAGES UNDER 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 2022-04-06 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: GA

Complaint narrative:
Equifax is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 7 complaints informing Equifax that I was a victim of identity theft. Equifax is failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Equifax has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX, XXXX and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with NATIONAL CREDIT SYSTEM, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/2019 Balance : {$3300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HOMESTAR FINANCIAL CORPORATION
State: GA

Complaint narrative:
I've been on a COVID-19 forbearance since XXXX. In XX/XX/XXXX I reached out to Homestar financial to let them know I'm now working but not making the same amount, I'm ready to end the FB. They sent me a no document modification which is what XXXX XXXX is offering. I didn't receive the documents until after XX/XX/XXXX and the first trial payment was due on XX/XX/XXXX and I had to accept it by XX/XX/XXXX but I didn't receive it on time. That modification was a Flex no doc mod with and interest rate of 2.875 % with payments of {$XXXX}. Those payments were perfect and affordable as my income decrease drastically. I contacted Homestar when I received the documents and the time had expired. They advised they would send new documents with updated date and nothing else would change. I waited to received the new documents but these documents were not the same. The new received has the same Flex modification but the interest rate is now 5 % and they only stretched the loan out, the payment would now be {XXXX} which I can not afford. I spoke with the account rep several times in XXXX and XXXX to get this rectified. The rep XXXX keeps calling but confusing the account with someone else forgetting what he told me he had to reach back out to the loss mitigation department to get the documents corrected or have a partial claim and modification combo. I spoke with XXXX today, XX/XX/XXXX, he again forgot what he was suppose to be doing for my loan. I reminded him, the he stated, oh I was suppose to send you a loss mitigation packet because Covid is over. I advised him XXXX is still offer the same resolve options as before since my loan was affected because of me losing my job due to COVID. He was very insensitive to the situation. He asked to speak with his manager and he refused to let me speak to anyone else. I asked him to schedule a manager or supervisor call me back and he again advised he's the only one I could speak with, I advised him he has a superior. He refused me to speak to anyone and I hung up on him and cried. I cant believe I'm being treated this way because I was affected by something out of my control. It's not my fault I didn't receive the first set of documents on time but I called as soon as I received them. I'm trying to get this fixed so I can start making afford mortgage payments. XXXX put these programs in place for a reason and I'm being denied what they're offering for there loans being serviced by your company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation