vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-31 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: TN

Complaint narrative:
Remove the fraudulent information listed on my FTC reports

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 2020-03-31 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I filed a complaint to cfpb on XX/XX/2019, compliant # XXXX the companys response was that, was they would forward my complaint and concerns to the approprate agency, and follow up, im STILL WAITING over a year later. To Summarize equifax is reporting information on my credit report, with their claims of validation from XXXX XXXX. I have a letter from the court stating they did not pprovide this information, furthermore, there is a freeze on my XXXX XXXX, so as the cunsumer, i derserve to know HOW WAS THIS VALIDATED, the companys response is unacceptable and unsatisfactory and this case not be closed, not to mention the TIME FACTOR, they havent responded OVER A YEAR!!!! I will make careful notes of all this, so i can take further action, please delete this information from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: GA

Complaint narrative:
Failed to remove and block items listed on FTC report within the prescribed time period. Credit Reporting Agency did not resolving the issue.

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 2020-03-31 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:
I HAVE SENT THE DISPUTE LETTERS ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX,. TO DATE I HAVE NOT RECEIVED ANY INVESTIGATIVE RESULTS REPORTS. THERE ARE SIX 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA ( FAIR CREDIT REPORTING ACT ). PLEASE DELETE AND AMEND ACCOUNTS AS REQUESTED BELOW. 

THERE IS VERY SUSPICIOUS BEHAVIOR GOING ON WITH YOUR INVESTIGATIVE PROCESS AS XXXX  AND TRANSUNION HAVE COME BACK WITH INVESTIGATIVE RESULTS WHEREBY THEYVE DELETED THE BELOW ACCOUNTS THAT YOU STILL SHOW ON MY CREDIT FILE. I AM SURE YOU DO NOT WANT YOUR INVESTIGATIVE PROCESS EXAMINED IN COURT IN DISCOVERY SO PLEASE DELETE AND THE AMEND THE BELOW ACCOUNTS WHERE APPLICABLE.

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 2020-03-31 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: TN

Complaint narrative:
Remove the fraudulent information listed on my FTC reports

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
Citi credit card I called when I had a XXXX XXXX fraud call message I held for a hour no answer I called again I had a letter sent saying they closed my account I have had my card locked I was told my payments were late and I'm not due til XX/XX/XXXX the letter came XX/XX/2020 I have been on the chat waiting and waiting way before this I've tried to dispute any charges I could see I have called today I talked to 4 people and have them tell me they can't reopen my account but r investigating the charged but didn't read me out everything I waited for each person 45 minutes to a hour then have a call back telling me about not being able to reopen my account when I've called waited sent chats locked my card my identity is in shambles and its unfair!

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 2020-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stallings Financial Group, Inc.
State: GA

Complaint narrative:
Never received any type of letter or written verification that I owed this debt. Not even sure why I am being charged for this or what their reasonings are. Could not get a proper answer when asking what this debt is in reference to or what it covered and why I'm being charged. I was told that I was charged this fee back in XXXX but they have made no contact with me to verify this debt. They listed this as a collection on my credit report recently, 3 years later, out of nowhere. It just so happened to post right in the midst of me trying to purchase and close on a new home and this is now affecting my credit score. I have absolutely no collections on my credit profile and this is tarnishing my credit and preventing me from obtaining future funding and lending for my small business and personally. They have made no attempts at contacting me in 3 years and I've never signed any paperwork or agreements with this company, Stallings Financial, stating that I'm entitled to pay them any money. I've had no mutual agreements between myself and the other party at all. They are reporting this on my XXXX and XXXX account and I need this collection account removed immediately, as its tarnishing my credit profile tremendously. 

They reported this to my XXXX  and XXXX  profile on XX/XX/XXXX ... Stallings Financial ... Balance {$640.00} ... Dated XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
I paid off my mortgage with Greentree services which was taken over by Ditech services I never received my deeds for my house Ive made several phone calls no answers and its been over 3 years

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: MS

Complaint narrative:
XXXX, XXXX and TransUnion have failed to remove fraudulent accounts from my consumer reports.

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 2020-03-31 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I HAVE SENT THE DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX,. TO DATE I HAVE NOT RECEIVED ANY INVESTIGATIVE RESULTS REPORTS. THERE ARE SIX 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA ( FAIR CREDIT REPORTING ACT ). PLEASE DELETE AND AMEND ACCOUNTS AS REQUESTED BELOW. 

THERE IS VERY SUSPICIOUS BEHAVIOR GOING ON WITH YOUR INVESTIGATIVE PROCESS AS XXXX  AND XXXX  HAVE COME BACK WITH INVESTIGATIVE RESULTS WHEREBY THEYVE DELETED THE BELOW ACCOUNTS THAT YOU STILL SHOW ON MY CREDIT FILE. I AM SURE YOU DO NOT WANT YOUR INVESTIGATIVE PROCESS EXAMINED IN COURT IN DISCOVERY SO PLEASE DELETE AND THE AMEND THE BELOW ACCOUNTS WHERE APPLICABLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: GA

Complaint narrative:
Have repeatedly disputed inquiries on credit report. Credit bureau has not investigated disputes and information remains on report. Investigation not done within the time frame required by law. 

XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/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 2020-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AL

Complaint narrative:
Moneygram Locked out people used my account trying to send payment reported immediately still not able to use or cleared when I sent all supported documents I'm tired of being victimized!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV FINXACT CORE
State: NJ

Complaint narrative:
Reference number : XXXX I received a letter from TRS Recovery Services stating I owe a debt for writing a check that was returned for insufficient funds. I advised TRS that they have the wrong person and this is not my debt. They sent me a copy of the check. After reviewing the check, I am 100 % sure that they have the wrong person for the following reasons : 1 ) The checking account belongs to XXXX XXXX XXXX and my middle initial is not " XXXX  '' 2 ) The bank where the checking account is drawn is XXXX. I have never had any account at XXXX. The bank is located in XXXX, NY. 
3 ) There is a New York drivers license number written on top of the check. I have been a resident of New Jersey for over 30 years. I do not have nor would I have a driver 's license issued by New York state. Maybe TRS should send letters to XXXX XXXX XXXX  at the address printed on the check ( which looks like XXXX XXXX XXXX, NY ) instead of someone with ALMOST the same name but is not the account holder of the checking account at XXXX where the bounced check was presented. 

TRS is sending letters to the wrong person. It would appear that the XXXX XXXX responsible for the debt lives in New York, has a New York drivers license and has a checking account located in New York. I live in New Jersey, have a New Jersey driver 's license and my banking institution is in New Jersey.

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 2020-03-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I attempted to dispute the items below via TransUnion 's site however I was presented with " Unable to Complete Your Request '' ( see attached ) screenshot. My TransUnion Credit File # XXXX shows 'Month and year that this item will be removed : XX/XX/2020 ' on the following accounts : XXXX  XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX # XXXX ; XXXX/XXXX # XXXX ; XXXX  XXXX # XXXX. Under the FCRA I have the right to dispute incomplete or inaccurate information and Consumer reporting agencies may not report outdated negative information ( see attached ). Based on these facts the trade lines listed above must be removed from my credit report. Attaching my passport information as proof of identity.

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 2020-03-31 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: GA

Complaint narrative:
Have repeatedly disputed inquiries on credit report. Credit bureau has not investigated disputes and information remains on report. Investigation not done within the time frame required by law. 

XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: PA

Complaint narrative:
This investigation process has not been completed. I am currently still waiting for a response.

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 2020-03-31 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
recently a collection appeared on my credit report from XXXX  XXXX XXXX. The purchased debt in question was disputed by me from the last bad debt buyer & the debt was removed. I received no notification or attempt to collect this debt from the reporter. 
this debt is already aged past the maximum reporting age in my state ( texas ). I have had no opportunity to dispute this debt, nor validate it. The information in the report is incorrect, in effect re-aging this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Vericred Solutions LLC
State: TX

Complaint narrative:
recently a collection appeared on my credit report from vericred credit solutions. The purchased debt in question was disputed by me from the last bad debt buyer & the debt was removed. I received no notification or attempt to collect this debt from the reporter. 
this debt is already aged past the maximum reporting age in my state ( texas ). I have had no opportunity to dispute this debt, nor validate it. The information in the report is incorrect, in effect re-aging this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA Reverses Merchants Credits Leaving Consumers with Fraud Claiming them to be USAA credits See attatched statement PERMANET MERCHANT CREDITS POSTED. {$28.00}, {$47.00}, {$34.00}, {$21.00}. on XXXX & NEW PURCHASES POSTED. IN THE SAME AMOUNT {$28.00} {$47.00} {$34.00} {$21.00} on XXXX.???? WHY DOES USAA GET TO REVERSE WHAT MERCHANTS CREDITED? Why does usaa claim credits they did not give? WHY DOES USAA GET TO USE TEMPORARY CREDITS NOT YET MADE PERMANET TO POST A PERMANET NEW PURCHASE?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: VA

Complaint narrative:
On XX/XX/XXXX, i filed a complaint with cfpb, case number XXXX- the companys response stated they will report my concerns, this is well over A YEAR AGO, and the bureaus response is unacceptable, and time has lapsed. In summary - transunion is reporting a bankruptcy on my report and can not provide verification, athough they appear to have validated this account, I, the consumer have the RIGHT to demand HOW they validated. I have a letter from the court that they did not FURNISH this information and all other data collectors and buyers have been FROZEN please provide HOW transuinon validated this information, They have been given enough time, and their response is insufficeint, Please do not close this complaint, as i am taking careful notes to report to other agencies. i have, attached the letter from the court, their several claims of validation from XXXX and XXXX. They have reported an address on my credit report of the bankruptcy court, which was RETURNED to me for a wrong address, in which i will also attach. I am getting the run around from transunion, who will not respond approriately

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 2020-03-31 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: PA

Complaint narrative:
This investigation process has not been completed. I am currently still waiting for a response.

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 2020-03-31 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This investigation process has not been completed. I am currently still waiting for a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
I missed my XXXX XXXX payment due to COVID19 I have been out of work for the month XXXX. I called today XX/XX/XXXX and after a 2 hour wait I spoke with someone I was transferred 3 times and finally got an answer that they can not help me until my account is current. I told them and how do you expect me to pay whrn I am unemployed? 
I was told they could defer the late charges for 3 months then full amount is due ... But if I brought my account current they had other options available but they could not tell me what they are. 
How is this helping people I have always paid on time I am unable to pay now because loss of work due to COVID.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: AZ

Complaint narrative:
Im demanding a Method of Verification into the investigation of the following accounts inwhich I disputed the fraudulent accounts inwhich was opened up without my knowledge or consent. I'm requesting the name and title of the employee inwhom worked on this, the time and date, and what physical documentation was received and how it was received inwhich tied me to these accounts. And if you or your companies can not provide this detailed information within 30 days then you and your companies shall remove and block the following accounts. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX  3. XXXX XXXX XXXX 4.XXXX/ Dept of ED {$1200.00} 5. 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 2020-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: HI

Complaint narrative:
I called my Mortgage Company trying to get help because I am out of work because of COVID19. 
They are saying they can give a frobearance for 3 months but at the end of 3 months the full amount is due. 
How do they expect unemployed people to come up with a large balance due at the end of 3 months? This is Not helping.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: NY

Complaint narrative:
I have a XXXX account for approximately {$550.00}. I have reached many time to XXXX asking for information to prove this amount is owed and received nothing. They must have a statement or a contract if this is owed but they dont have anything. 

I have requested that Experian credit along with the other credit bureaus to delete this as it is not accurate but this account still remains on my account. 

This doesnt not belong to me and I need to stop reporting to credit report as it had caused me many high interest cards and loans Thanks 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