vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-12 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/2021. And now we are in the month of XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX Original Creditor : 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 2022-02-12 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XX/XX/XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX US DEPT ED XXXX XX/XX/XXXX US DEPT ED XXXX XX/XX/XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX US DEPT ED XXXX XX/XX/XXXX US DEPT ED XXXX XX/XX/XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX US DEPT ED XXXX XX/XX/XXXX US DEPT ED XXXX XX/XX/XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XX/XX/XXXX US DEPT ED XXXX XX/XX/XXXX US DEPT ED XXXX XX/XX/XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XX/XX/XXXX US DEPT ED XXXX XX/XX/XXXX DPT EDXXXX XXXX DPT EDXXXX 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 2022-02-12 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX US DEPT ED XXXX XX/XX/XXXX US DEPT ED XXXX XX/XX/XXXX US DEPT ED XXXX XX/XX/XXXX US DEPT ED XXXX US DEPT ED XXXX XX/XX/XXXX US DEPT ED XXXX US DEPTED XXXX XX/XX/XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XX/XX/XXXX US DEPT ED XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX USDEPT ED XXXX XX/XX/XXXX US DEPT ED XXXX XX/XX/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 2022-02-12 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTSCOMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
As of XX/XX/XXXX, Im still being charge XXXX  dollars for a XXXX  dollars charge over the limit. If you go back into my accounts which I had 3 different bank account because of fraud, I was paying as much as XXXX  dollars in over draft fees. I have total my over draft fees in 1 year I have paid Bank of America about XXXX  thousand dollars in just fees. The answer that they gave me was to OPEN A NEW ACCOUNT AND PAY OLD ACCOUNT OFF, but I have 3 different police reports of identity theft and I have a affidavit from the gov

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 2022-02-12 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:
Good Afternoon, My Name is XXXX XXXX and Ive been a victim of identity theft. Although I cant discus the case I can say Ive been reporting an account that was open with my information to get a phone line back in 2019, This individual know my Social security information and ID to open a XXXX account. Ive been trying to dispute it with TransUnion for months now and they still have yet to remove it. XXXX removed it when I told them it was identity theft. Its fraud and I would love your help to speak to trans Union to delete the account which does not belong to me This is a ongoing investigation. And therefore I cant talk much about it a police report was filed and I am working with the DA in XXXX right now. And the XXXX XXXX DA. I have business cards and also the case number but unfortunately because its a homicide they arent giving police reports. But the case number was provided XXXX. Case number subject to change Because the case is in XXXX I cant give much details

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 2022-02-12 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: Allied Collection Services, Inc. (Nevada)
State: CA

Complaint narrative:
Good Afternoon, My Name is XXXX XXXX and Ive been a victim of identity theft. Although I cant discus the case I can say Ive been reporting an account that was open with my information to get a phone line back in XXXX, This individual know my Social security information and ID to open a XXXX account. Ive been trying to dispute it with XXXX for months now and they still have yet to remove it. XXXX removed it when I told them it was identity theft. Its fraud and I would love your help to speak to XXXX XXXX to delete the account which does not belong to me This is a ongoing investigation. And therefore I cant talk much about it a police report was filed and I am working with the XXXX in XXXX right now. And the XXXX XXXX XXXX. I have business cards and also the case number but unfortunately because its a homicide they arent giving police reports. But the case number was provided XXXX. Case number subject to change Because the case is in XXXX XXXX cant give much details

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 2022-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
We submitted ALL Requested Documents by SHELLPOINT, the Loan Servicer, for a LOAN MODIFICATION, on XX/XX/XXXX / 2021 Per XXXX XXXX ( XXXX ) instructions we E- Mailed all Documents to the SHELLPOINT Loss Mitigation Department XXXX on XX/XX/XXXX / 2021 A total of 27 files. 

On XX/XX/XXXX we received a letter from Shellpoint stating we did not take steps to resolve this issue therefore FORECLOSURE PROCEDINGS are being implemented. 

REF. LOAN # XXXX XXXX XXXX XXXX XXXX XXXX, NJXXXX SHELLPOINT MORTGAGE CO. 
XXXX : XXXX XXXX replaced by : XXXX XXXX, TEL # : XXXX XXXX XXXX and XXXX XXXX XXXX E-Mail : XXXX Best regards, XXXX XXXX XXXX ( XXXX, not available at the moment ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NJ XXXX " SHELPOINT DID NOT REVIEWED OUR DOCUMENTS " SEE 2 ATTACHED FILES FROM A TOTAL OF 27 FILES SUBMITTED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
We're in the process of refinancing our primary residence, but it's on hold because we're unable to get my credit score w/ Experian. I have my credit rating w/ XXXX XXXX XXXX XXXX But Experian is stating I have too little credit history to rate me therefore not scorable, but why XXXX XXXX XXXX are able to? We are updated w/ our XXXX mortgages under joint account w/ my wife with XXXX XXXX  XXXX XXXX XXXX. ( just FYI ). I'd attempted several times to talk to a live person but no specialist was available according to their automated answering service. I attempted to file my complaint w/ them online but it's marking unable to take it, so I left it on their website anyway. I've been trying to contact them for several days hoping I could talk to anyone there or at least file my complaints to no avail, hence, I resorted to this. Earlier today they're responding to me by urging me to enhance (? ) /boost my credit by putting an order w/ my credit card. I can't even request for my credit report w/o my credit card. I thought it's free w/o string attached. I need them to unfreeze my credit score ASAP, pls. Any further delay will cost us much if we miss out the low interest rate offered now.

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 2022-02-12 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:
There are several bankruptcy filings on my Transunion credit report that are not authorized as being reported on my credit report. Transunion LLC and XXXX XXXX are violating 15USC 1581.2. 

The United States Bankruptcy XXXX XXXX XXXX XXXX Georgia has provided information to XXXX XXXX and they are reporting it on my credit report without my permission. As of XX/XX/XXXX, XXXX XXXX have been required to suppress all of my information from XXXX XXXX products and services. Unfortunately, that has not happened. After disputing the unauthorized information on my Transunion credit report on XX/XX/XXXX, somehow XXXX XXXX continues to provide suppressed information to Transunion. After confirming that the bankruptcy court has provided this information to XXXX XXXX, I demand that all information from the following cases be removed from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX GEORGIA DOCKET # XXXX XXXX XXXX XXXX GEORGIA DOCKET # XXXX XXXX XXXX XXXX GEORGIA DOCKET # XXXX XXXX XXXX XXXX GEORGIA DOCKET # XXXX My other credit reports have been purged from this information, due to suppression. However Transunion LLC continues to report this suppressed information and therefore they are in violation of Federal Law. Please remove immediately or further action will be taken with the XXXXeorgia Banking Commission and Federal Trade Commission.

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 2022-02-12 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: FL

Complaint narrative:
I do not want this complaint to be transformed into a request for contestation. I've already done it. I want this information DELETED by the FCRA. The offices had MORE THAN A YEAR to solve this and they failed. Now is the time to DELETE the accounts according to the FCRA. Please do not close this complaint without resolving it completely. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: MIDFIRST BANK
State: NV

Complaint narrative:
I have a project to purchase a home and I not available to prove due to my file on my previous mortgages show that has balance since the mortgages has been paid in full I need to remove or show that has been paid in full because that wrong information is affected my purchase home. 
Also I have been sent a document to prove on my complaint

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 2022-02-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. I am having problems with this unfair treatment. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account 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 2022-02-12 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: TX

Complaint narrative:
THIS ORGANIZATION REPORTED LATE PAYMENTS ON XXXX AND XX/XX/2021 ON MY CONSUMER REPORT. THIS ORGANIZATION DID NOT RECEIVE MY WRITTEN INSTRUCTION NOR PERMISSION TO REPORT ANY INFORMATION REGARDING LATE PAYMENTS AGAINST MY CONSUMER REPORT. 

REPORTING LATE PAYMENTS CONSTITUTES TRANSACTIONS AND EXPERIENCES THAT I DID NOT AUTHORIZE, AND ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THIS IS SUPPOSED TO BE EXCLUDED FROM MY CONSUMER REPORT. 

THIS ORGANIZATION ALSO HAD NO PERMISSIBLE PURPOSE TO FURNISH LATE PAYMENTS ON MY CREDIT REPORT BECAUSE I DID NOT GIVE MY EXPRESSED WRITTEN CONSENT PER 15 USC 1681b ( a ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
I reported a valid fraud claim to navy federal on XX/XX/22. After reporting the fraud on my acct I went use my debit card for a different navy federal acct only to find out my ALL of my debit cards were cut off. I called navy federal on XX/XX/22 to inquire about my debit cards only to find out they locked all of my cards for a year because of suspicions that I made possible fraudulent disputes or fraud claims. Navy federal never asked for any additional info for my claims nor additional correspondence to assist with my claims that they had in question. Navy federal assumed I was lying without allowing me the options to provide proof of otherwise. The rep at a local XXXX federal called me a liar about my fraud claims and even read off my P.I.I in public without my consent when I asked to speak with a XXXX. I was embarrassed as on lookers could hear my issue I was having with my account while speaking with XXXX at a XXXX, Tn location. I have a right to report fraud or even disputes on my accounts and to feel like I will be penalized for doing so is not right. This makes me scared to report possible future fraud or dispute charges with them. I have never had this experience with any other banks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. I am having problems with this unfair treatment. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account 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 2022-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Regarding complain no XXXX Paypal told me to release the funds on XX/XX/2021, but they haven't yet released my funds and are not giving me any update on my funds. I am stuck and need help from the consumer financial protection bureau. 

Atleast PayPal should give me a date when they will be able to allow me to withdraw the funds. 

This is the last warning I am giving to PayPal else I am a tech guy and I know How to pull money out of PayPal illegally later I wont be responsible for paypals deed Its been approx 400 days and PayPal is XXXX.

Company response to consumer: Closed with explanation