vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been denied credit several times from different vendors who use Experian. I have been told I have no credit history. I recently attempted to refinance my home and was told no score from Experian. 

On XX/XX/2021, I called Experian and was on hold for over 20 minutes. When an overseas customer service person came on the line, she was adamant that I had no credit because the only credit card I had was closed. I told her I am a XXXX-year-old male who has had 3 different mortgages, new car purchases, several credit cards, and decent credit ( XXXX ). She said she would look into it and then said she could not figure out why it wasn't showing my creditors infromation. She said she would get the DATA department to speak with me and placed me on another 15 minutes hold. A second person answered ( also overseas not DATA department ) and I had to explain my issue again - he too couldn't figure out why. MY frustration was getting too high and I asked him for a representative in the US. He said he would get one on the line right away, and put me on another 20-minute hold until I hung up. I called another number for Experian and got transferred to a customer service representative, overseas of course. This person had no idea why either, the rep offered to send me a copy of my credit report, not fix my issue- ridiculous. This is ridiculous that Experian is reporting incorrect information and I get the runaround and placed on hold by unknowledgeable customer service representatives. Sadly Experian is the worst in customer service and is the only bureau that is reporting my credit incorrectly. This is an important issue as this affects my family 's livelihood and mine!!!! Fix it!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have contacted the bureaus on several occasions to see the status of the inaccurate information on my report. I have noticed several items that are unknown and clearly do not belong to me. This is clearly not right by continuously reporting inaccurate information and I also have not been informed of any type of status with the investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: CURO Intermediate Holdings
State: CA

Complaint narrative:
Ad astract recovery/ speedy cash XXXX, 2017 amount {$1200.00}. I have soken to them the debt was paid and was told it can take 30 days to remove. 2 years later and it still appears on my credit report, i have filed two disputes and have got no response to what should be correcting this and removing it. This is incorrect and not right i have to continue with dealing with this. Specially around this time, with covid19 loss of wages and having my credit this way has given me minimum availability in things i can do. Please look in to this. I would really appreciate it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: TX

Complaint narrative:
I am a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: ID Analytics, Inc.
State: TX

Complaint narrative:
I XXXX XXXX am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: R.M. Galicia, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, 2017 amount {$1200.00}. I have soken to them the debt was paid and was told it can take 30 days to remove. 2 years later and it still appears on my credit report, i have filed two disputes and have got no response to what should be correcting this and removing it. This is incorrect and not right i have to continue with dealing with this. Specially around this time, with covid19 loss of wages and having my credit this way has given me minimum availability in things i can do. Please look in to this. I would really appreciate it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
I have reason to believe my previous mortgage lender, NewRez LLC/Shellpoint, failed to file a release of lien after I refinanced with a new company on XX/XX/2020, and now, because of their negligence and disorganization, the impending sale of my home is jeopardized. 

When I called NewRez on XX/XX/2020 to inquire about the missing documentation, I was told by one employee that the lien release paperwork was initiated on XX/XX/XXXX, but he could not provide me with evidence to support this claim, nor any updates on why it was still pending. He suggested it must be an error on the county end, and I asked for a copy of whatever they sent to the county, but he could not provide me with anything. 

On XX/XX/XXXX, we checked with the county, and there had been no communication from NewRez regarding my property. During a call on that same day, a different employee found and forwarded to me a strange document they claimed was proof they initiated the loan, but many of the dates were random and incorrect ( it was signed in XXXX, but I didn't start the refinance process until the following fall ). Then, on XX/XX/XXXX, I was told by a yet another employee that the process was ACTUALLY started on XXXX XXXX -- which, suspiciously, is the same day I first called the company to ask why the lien hadn't been released. 

When I asked for someone to draft up a new copy so that the title company handling the sale of my home could file it with the county themselves, I was told that no one in NewRez customer service has the ability to create documents, but that I had to go through the lien release department -- who, conveniently, have no phone numbers and take days to respond to emails. I finally received a response from the lien release department today XXXX XXXX XXXX ) and was told that they ALSO can not draft up this documentation, as they are waiting on an unnamed " external vendor. '' I was then given a payoff letter that does not include the reception number associated with my deed and is, thus, useless in the eyes of the title company. The letter also refers to an attachment which is mysteriously missing, and also has my name misspelled. When I asked for this to be corrected -- radio silence. 

I have spoken to at least three different supervisors, but when I call back on the main line ( the only contact option ) and ask for them by first and last name and extension number, no one is able to connect me with them. There appears to be no accountability for following up with customers, even when promised.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2021, I disputed this account and it came back as if the responsibility is " Individual ''. The student loan is on someone else 's name. It doesn't belong to me. Furthermore, I never CO-SIGNED any student loan. So unless they can provide a document where the student loan is on my name, and in the case of a co-sign has my SIGNATURE, I want this account to be removed from my credit 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 2021-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2021, I disputed this account and it came back as if the responsibility is " Individual ''. The student loan is on someone else 's name. It doesn't belong to me. Furthermore, I never CO-SIGNED any student loan. So unless they can provide a document where the student loan is on my name, and in the case of a co-sign has my SIGNATURE, I want this account to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2021, I disputed this account and it came back as if the responsibility is " Individual ''. The student loan is on someone else 's name. It doesn't belong to me. Furthermore, I never CO-SIGNED any student loan. So unless they can provide a document where the student loan is on my name, and in the case of a co-sign has my SIGNATURE, I want this account to be removed from my credit 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 non-monetary relief
Consumer complaint received 2021-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX* Balance Owed : $ XXXX Delinquencies reported after the account was closed. This is a violation please delete. 

Chapter XXXX Bankruptcy Discharged XXXX You've not furnished any documentation whatsoever and this means that you are reporting false info and just do not care. I've since made complaints against you with the CFPB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: IL

Complaint narrative:
Hello, I am reaching out to you because I have sent in disputes to each of the credit bureaus concerning them incorrectly reporting information about me. There are a multitude of accounts that are incorrect or dont even belong to me. It has been 98 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but 98 days and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along. 

I sent them the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Hello, To my astonishment and dismay, I noticed that your company is reporting information that just isnt true. It is also my concern that due to my VERY common name my profile is being merged with someone else profile in your system. In fact there are address on my credit report that I have NEVER even lived at. Therefore, I KNOW something has to be wrong and this must be a mistake. I dont claim to know everything but it is quiet weird that a multitude of accounts and a bankruptcy is on my report. Honestly, how does this even happen? 

If you check your record you will see that my address doesnt even match any of the alleged accounts. It is my request that you review the file you are saying is mine and take away the discrepancies. Below is just a few of the things in question. 


XXXX XXXX XXXX  XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Bankruptcy Reference # XXXX Date Filed : XX/XX/20 Status : Discharged Amount : {$0.00} Remove these Public Record from my credit file. I pulled this file using -Public Access to Court Electronic Records , and these DO NOT belong to me. It belongs to someone who have the similar name as I, wrong address because I never lived at the address shown, and false merging with my credit file. Nor does it show the full social security number so it is not a positive true match. 
The Fair Credit Reporting Act requires you to investigate and delete any and all inaccurate, incorrect, incomplete and/or invalid information. 

I know your bureau is one that prides itself on accurate and fair credit reporting and would never maliciously maintain false, unverifiable records. Please DELETE this information from my file immediately. 

Thank You in Advance an Educated Consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Chapter XXXX Bankruptcy Discharged XXXX - You've not furnished any documentation whatsoever and this means that you are reporting false info and just do not care. I've since made complaints against you with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC
State: NY

Complaint narrative:
XXXX  put me TWICE on collection for the same debt with 2  different amounts. First time on collection was on the year of XXXX. I got put again for the same debt on a new date and a different amount on XX/XX/XXXX. I have a copy of the initial collection with the date and the amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hello, I am reaching out to you because I have sent in disputes to each of the credit bureaus concerning them incorrectly reporting information about me. There are a multitude of accounts that are incorrect or dont even belong to me. It has been 98 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but 98 days and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along. 

I sent them the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Hello, To my astonishment and dismay, I noticed that your company is reporting information that just isnt true. It is also my concern that due to my VERY common name my profile is being merged with someone else profile in your system. In fact there are address on my credit report that I have NEVER even lived at. Therefore, I KNOW something has to be wrong and this must be a mistake. I dont claim to know everything but it is quiet weird that a multitude of accounts and a bankruptcy is on my report. Honestly, how does this even happen? 

If you check your record you will see that my address doesnt even match any of the alleged accounts. It is my request that you review the file you are saying is mine and take away the discrepancies. Below is just a few of the things in question. 


XXXX XXXX XXXX  XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Bankruptcy Reference # XXXX Date Filed : XX/XX/20 Status : Discharged Amount : {$0.00} Remove these Public Record from my credit file. I pulled this file using -Public Access to Court Electronic Records , and these DO NOT belong to me. It belongs to someone who have the similar name as I, wrong address because I never lived at the address shown, and false merging with my credit file. Nor does it show the full social security number so it is not a positive true match. 
The Fair Credit Reporting Act requires you to investigate and delete any and all inaccurate, incorrect, incomplete and/or invalid information. 

I know your bureau is one that prides itself on accurate and fair credit reporting and would never maliciously maintain false, unverifiable records. Please DELETE this information from my file immediately. 

Thank You in Advance an Educated Consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: IL

Complaint narrative:
Hello, I am reaching out to you because I have sent in disputes to each of the credit bureaus concerning them incorrectly reporting information about me. There are a multitude of accounts that are incorrect or dont even belong to me. It has been 98 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but 98 days and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along. 

I sent them the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Hello, To my astonishment and dismay, I noticed that your company is reporting information that just isnt true. It is also my concern that due to my VERY common name my profile is being merged with someone else profile in your system. In fact there are address on my credit report that I have NEVER even lived at. Therefore, I KNOW something has to be wrong and this must be a mistake. I dont claim to know everything but it is quiet weird that a multitude of accounts and a bankruptcy is on my report. Honestly, how does this even happen? 

If you check your record you will see that my address doesnt even match any of the alleged accounts. It is my request that you review the file you are saying is mine and take away the discrepancies. Below is just a few of the things in question. 


XXXX XXXX XXXX  XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Bankruptcy Reference # XXXX Date Filed : XX/XX/20 Status : Discharged Amount : {$0.00} Remove these Public Record from my credit file. I pulled this file using -Public Access to Court Electronic Records , and these DO NOT belong to me. It belongs to someone who have the similar name as I, wrong address because I never lived at the address shown, and false merging with my credit file. Nor does it show the full social security number so it is not a positive true match. 
The Fair Credit Reporting Act requires you to investigate and delete any and all inaccurate, incorrect, incomplete and/or invalid information. 

I know your bureau is one that prides itself on accurate and fair credit reporting and would never maliciously maintain false, unverifiable records. Please DELETE this information from my file immediately. 

Thank You in Advance an Educated Consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL 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