vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-04 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: CA

Complaint narrative:
I have had incidents of ID fraud in the past, between the years of XXXX and XXXX. 
XXXX : XXXX XXXX XXXXXXXX opened XXXX XXXX outstanding balance {$4900.00} Equifax : XXXX XXXX XXXX XXXX opened XX/XX/XXXX outstanding balance : {$8300.00} Both items where included in the police report, which I have attached to this complaint, and included in the FTC affidavit, which is also accompanying this complaint. The creditors requested that I get a police report before they would even speak to me about said accounts. I have produced all documents required to clear this issue and yet these items continue to reflect negatively on my credit rating. These accounts where not opened by me, and most be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-04 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: CA

Complaint narrative:
I am extremely concerned about the actions credit bureaus are having on my life ... I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction ... I do not own the following accounts XXXX/XXXX   XXXXXXXX, XXXX  XXXXXXXX, XXXX XXXXXXXX, XXXX/XXXX   XXXXXXXX, XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 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: TX

Complaint narrative:
I have reached out multiple times to bureaus and debtor to resolve this issue. I have a 90 day late pay for an account that was on default until I became employed or until I was able to make payments. I no longer lived at address this company had on file never received any email of any kind telling me my default had ended nor was I explained the process of how long the default would be for. I reached out after receiving alert on credit report. I feel that this was my first time ever having to set up employment default that I should have been notified or at least given details in writing of how the default worked. I have also requested in writing multiple times for both bureaus and debtor to provide proof of how this debt has been verified but have yet to be provided method.

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 2019-06-04 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: PA

Complaint narrative:
I written all three credit reporting agencies to complain about inquiries that have been placed on my credit file without my knowledge or consent, Either written, implied, or authorized I have requested all the accounts be verified by the agencies under the ( FCRA ) guidelines I ask them to show proof of and and all signed contracts, with my wet ink signature ... .. 
My second letter was to inform the agencies that they didnt do their due diligence in trying to properly verify the validity of these fraudulent inquiries if they were assisted by a computer programming system instead of actually, Physically seeking the truth in this matter I was never shown any original documents barring my wet ink signature Or any signed documents of proof.

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 2019-06-04 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 am extremely concerned about the actions credit bureaus are having on my life ... I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction ... I do not own the following accounts 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 2019-06-04 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: CA

Complaint narrative:
I am extremely concerned about the actions credit bureaus are having on my life ... I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction ... I do not own the following accounts 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 2019-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I told experain several time that negitive accounts with XXXXXXXX XXXX are not mine. Experian supposed to block these three accounts from showing on my account due to fraud. I summited police report to them my name is XXXX XXXX my social security number is 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 2019-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
I originally refinanced my home back in XXXX of XXXX, with an XXXX XXXX XXXX XXXX fixed/variable rate loan. This loan was to be eligible for an adjustable interest rate re-lock every five years, contingent on borrower ( me ) maintaining good credit and repayment record. When my loan was transferred to XXXX XXXX ( due to XXXX XXXX being purchased ), XXXX XXXX respected these terms and offered me a rate renewal lock at the end of my first 5-year period. 

Fast-forward another four years, and now XXXX XXXX has left the mortgage loan business and handed my loan over to Rushmore Loan Management Services. I am almost at the end of my second 5-year term of the loan, and I spoke with Rushmore on Tuesday, XX/XX/XXXX, to verify that I would in fact be offered a rate renewal at loan-term maturity. I was told " We don't do that '' and instead was directed to download their loan modification application from their website, a multi-page document requiring very detailed information regarding every aspect of my finances -- clearly a new loan application that would require going through an extensive underwriting process. 

Frankly, I don't care to apply for a new loan at this time, or go through a refinance loan, either. I am current on all of my payments, and have maintained a spotless repayment record throughout the entire term of my loan to date. My credit status has also maintained a very high rating. I have a perfectly good existing loan, and I see no reason why my loan 's original terms and benefits should not be honored and upheld. I am very disappointed that a mortgage service provider should arbitrarily decide to change a customer 's existing loan when they have no right to do so. 

Thank you for your attention to this matter.

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 2019-06-04 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: CA

Complaint narrative:
I have disputed the government loan accounts with the credit bureau for several attempts, to no avail. These accounts should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report.. CFPB please do something to fix this up.. US DEPT VETS XXXX, US DEPT VETS XXXX, XXXX XXXX, XXXX XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-04 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Comenity bank/XXXX is reported to my credit report that in XX/XX/XXXX I was recording 30 days past due. I sent my payments via online banking system before due dates which didnt process until a few days later on XXXX of XXXX $ XXXX of XXXX $ and XX/XX/XXXX of XXXX XXXX The bank is Not reporting my payment history accurately. I wrote them a letter and they responded saying that they can not change that that reporting information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-04 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: CA

Complaint narrative:
I have disputed the government loan accounts with the credit bureau for several attempts, to no avail. These accounts should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report.. CFPB please do something to fix this up.. 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 2019-06-04 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: CA

Complaint narrative:
I have disputed the government loan accounts with the credit bureau for several attempts, to no avail. These accounts should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report.. CFPB please do something to fix this up.. 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 2019-06-04 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 am extremely concerned about the actions credit bureaus are having on my life ... I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction ... I do not own the following accounts XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX   ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX 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 2019-06-04 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:
I submitted a Dispute at the hard inquiries on my credit report from banks and creditors I did not apply for.. 
I have disputed the information twice and only got one response, which they refused to furnish any viable proof of this inaccurate information According to the ( FCRA ) section 611 and 609 .... 
The reporting agencies are supposed to furnish the original instrument barring my wet ink signature or any contact that I have signed.. 
They never furnished any proof according to the guidelines of the ( FCRA ) In addition they never showed proof of any investigation or their methods of investigation which 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 2019-06-04 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: VA

Complaint narrative:
Please block these accounts due to the fact that they are not mines and I have expressed this on multiple occasions however, the credit reporting agencies especially Equifax has ignored the rules governing consumer investigations. I requested a Method of Verification atleast 3xs, but did not receive not 1. I would like to know every detail of your companies investigation into the following accounts or these accounts shall be removed immediately. And as a general rule it is not ethical for the reporting credit agencies to accept electronic Verification as proof of a valid account. I'm hereby demanding that these accounts be blocked. 

1 ) XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX {$XXXX} 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX 7 ) XXXX XXXX 8 ) XXXXr XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 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: CA

Complaint narrative:
I am extremely concerned about the actions credit bureaus are having on my life ... I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction ... I do not own the following accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 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: CA

Complaint narrative:
This issue is an existing problem which credit bureaus werent able to resolve..They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 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: CA

Complaint narrative:
This issue is an existing problem which credit bureaus werent able to resolve..They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error 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 2019-06-04 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: CA

Complaint narrative:
This issue is an existing problem which credit bureaus werent able to resolve..They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error 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 2019-06-04 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:
I submitted a Dispute at the hard inquiries on my credit report from banks and creditors I did not apply for.. 
I have disputed the information twice and only got one response, which they refused to furnish any viable proof of this inaccurate information According to the ( FCRA ) section 611 and 609 .... 
The reporting agencies are supposed to furnish the original instrument barring my wet ink signature or any contact that I have signed.. 
They never furnished any proof according to the guidelines of the ( FCRA ) In addition they never showed proof of any investigation or their methods of investigation which I am entitled to

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
The Citi Offer Open a new account in The Citibank Account Package and earn {$400.00} with a qualifying deposit : Open your account by XX/XX/XXXX Deposit {$15000.00} in new funds ( not currently with Citi ) into your checking account within 30 days. 
Maintain the {$15000.00} balance for 30 consecutive days following the deposit XX/XX/XXXX I initiated the account opening process. I chose the on-line funding option. 
I provided my account information in XXXX XXXXXXXX XXXX and my authorization to withdraw {$15000.00} from it to Citi to meet the required deposit. The fund was available in XXXX XXXX XXXX. There was no account number provided to me during the account opening process. 

XX/XX/XXXX Citi Email indicated that I was not an account holder and could not use the account. I responded the email accordingly. There was no account number provided. Attachment XXXX. 

XX/XX/XXXX The fund of {$15000.00} was taken out from my XXXX XXXX  XXXX account by a draft issued by Citi according to the XXXX XXXX  XXXX account record. 
Attachment XXXX, XX/XX/XXXX Citi Email indicated that Account application was approved. Attachment XXXX. 

The checking account was kept in good standing from XX/XX/XXXX to XX/XX/XXXX without getting any bonus or interest.

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 2019-06-04 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: VA

Complaint narrative:
My identity has been compromised and now I'm seeking help from the major credit bureaus demanding that they block the following accounts from my credit files inwhich are not mines. Please remove these accounts. 

1 ) XXXX XXXX {$580.00} 2 ) XXXX XXXX XXXX XXXX {$440.00} 3 ) XXXX XXXX XXXX {$1400.00} 4 ) XXXX XXXX {$7400.00} 5 ) XXXX XXXX  {$1500.00} 6 ) XXXX XXXX  {$1400.00} 7 ) XXXX  XXXX {$680.00} 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX 20 ) 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 2019-06-04 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: VA

Complaint narrative:
My identity has been compromised and now I'm seeking help from the major credit bureaus demanding that they block the following accounts from my credit files inwhich are not mines. Please remove these accounts. 

1 ) XXXX XXXX {$XXXX} 2 ) XXXX XXXX Bank XXXX {$XXXX} 3 ) XXXX XXXX XXXX {$XXXX} 4 ) XXXX XXXX {$XXXX} 5 ) XXXX XXXX {$XXXX} 6 ) XXXX XXXX {$XXXX} 7 ) XXXX XXXX {$XXXX} 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Unifirst Mortgage Corporation
State: FL

Complaint narrative:
Starting back in XX/XX/2018, we applied for a FHA mortgage through Unifirst Mortgage company. However, we were told by XXXX XXXX and XXXX XXXX we needed to clear some conditions, which we did along with getting a credit card and paying them {$190.00} towards application fees which we would get back at closing. Unfortunately, the company partnered with XXXX XXXX XXXX loan # XXXX and the requirements changed per loan officer XXXX XXXX and we was told we did not qualify because of our credit score and one collection account added. They have prolonged the process, acted as if we were on a program and will be graduating on XX/XX/XXXX, which was a lie. They wasted months of our time, which I had explained we were staying in a hotel until process was finalized, but they overlooked and failed to provide details of getting approved. They pushed our graduation back several times and then later tell us we needed a 600 credit score to qualify for FHA loan. This has cost us months of paying unnecessary hotels rates and also if they know the approval requirements, it should have been disclosed earlier. Now they are telling me again, We have to wait until XX/XX/XXXX to be reviewed again, which makes no sense and We completed have already met and completed conditions.

Company response to consumer: Closed with explanation