vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-29 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:
I have been trying remove this charge off of my credit report. This is not accurate and needs to be deleted off my account. The creditors are not doing their job and this is hurting my score and Im trying to start a business and get a home. So please help me out. 

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.

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 2022-09-29 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: MO

Complaint narrative:
I have been disputing for the removal of the fraudulent items that are still reporting on my Credit file despite the multiple letters and cfpb comlaints I have been submitting to the Credit Bureaus. It also has been brought to my attention that the Credit Reporting Agencies are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im submitting this CFPB Complaint to help establish a legal recourse. If the Credit Bureaus choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the following items that resulted due to identity theft : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX Balance Owed : {$5600.00} XXXX XXXX Balance Owed {$4300.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX. If the Credit Reporting Agencies claim these items are 100 % accurate and verifiable then I need the Credit Bureaus to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file the Credit Bureaus maintain under my Social Security number.

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 2022-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MARINER FINANCE, LLC
State: MO

Complaint narrative:
I am a victim of Identity Theft and I am submitting this complaint regarding the fraudulent information I found in my reports. The following items are not affiliated with me nor I received any money, goods, or services as a result of identity theft or they authorized by me. The Credit Bureaus have not complied with the Fair Credit Reporting Act Section 605b, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Under the FCRA, please remove the disputed accounts from my Cr edit report. 

XXXX XXXX XXXX XXXX XXXX : {$6100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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 sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX ; XXXX XXXX XXXX, CA XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXXXXXX Original creditor : CITY OF XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXXXXXX Original creditor : CITY OF XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX : {$310.00} ; XXXX XXXX XXXXXXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2700.00} ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX CARD Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX CREDIT XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX - XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/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 2022-09-29 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 sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX ; XXXX XXXX XXXX, CA XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX Balance : - ; 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 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 2022-09-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Nations Direct Mortgage, LLC
State: OH

Complaint narrative:
My husband and I previously had a mortgage with Nations Direct Mortgage , LLC. On XX/XX/2022, the mortgage was paid in full. At closing, XX/XX/2022, our new address was provided for escrow refund and any other monies owed or correspondence that may need to be sent to us. 

As of the date of this complaint, XX/XX/2022, we have not received the escrow refund. We have called Nations Direct to follow up on the payment and have been told each time that a check was sent and they could not determine why it was not received. They verified they have the correct mailing address for our new residence, but still did not have an explanation for why we have yet to receive the check. 

During each call, even just to follow-up on the status, we were told they would have to cancel the check and issue a new one which could take 30-60 business days. It has now been more than 5 months since we closed on the house and the mortgage has been paid in full. 

We contacted Nations Direct again today, XX/XX/2022, and spoke to three people who all said the same thing - the check was sent, they aren't sure why it wasn't received, they will have to issue a new one, we will have to wait 30-60 business days. We were refused the opportunity to speak to anyone in leadership or someone who can actually provide a resolution and ensure we receive our payment, rather than give us the same scripted, useless response we receive every time we call. There is no proof they ever attempted to send a check nor will they provide documentation or proof that they sent a check. 

Nations Direct has far surpassed a timely escrow refund disbursement in accordance with federal regulations and they refuse to resolve the issue appropriately or provide money owed to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: NC

Complaint narrative:
I sent a letter on XX/XX/XXXX to XXXX and TransUnion to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX and TransUnion are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., 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 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 2022-09-29 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX Account Number : XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy .15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written consent.

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 2022-09-29 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX sold us airline reservations that included free personal item service. But we did not receive the free personal item service.Instead we got additional charges from the airlines for the free personal item service. 

We informed XXXX and XXXX XXXX but they are not willing to fix the problem. We then informed Citi Cards regarding the issue with detail letter, but Citi Cards refuses to take any action. 

We have informed Citi Cards that XXXX is misleading airline passengers and committing fraud by selling a service that they are unable to provide but thus far Citi Cards has failed to take any action, instead wants to punish their customers by forcing their customers to pay for fraudulent charges on their credit card bill. 

Citi Card is marketing and advertising customers will not be responsible for fraudulent charges but Citi Bank has failed to keep that promise. 

Please review the attached documents that was already submitted to Citi Cards.

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 monetary relief
Consumer complaint received 2022-09-29 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: FL

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. Experian must validate this account in line with sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct erroneous reporting in my file listed on my credit report : 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 2022-09-29 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: SC

Complaint narrative:
My credit credit limit is {$8200.00} not {$8400.00} Please remove the High credit line of {$8400.00} from TransUnion, XXXX, and 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 2022-09-29 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:
I would like to reopen my complaint number : XXXX This complaint has all the information I submitted earlier. The company replied me back with the wrong information and closed my complaint. 

The sent me attached Notice of Transfer letter and found it was addressed to a wrong person and at wrong address. That letter also has wrong Loan numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I dont own the above property and my property address is XXXX XXXX XXXX, XXXX CA XXXX. Im still making payments to XXXX XXXX and my account is not transferred. It looks like you mixed up my name with someone else who also has the same name like me. 

I confirm I did not receive any letter from you and my loan is still with XXXX XXXX. It sounds like the payment I sent on XX/XX/XXXX was received under a different account that does not belongs to me. This is very serious mistake and I would like you to review it carefully. 

Thank You, Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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 2022-09-29 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: NC

Complaint narrative:
I sent a letter on XX/XX/XXXX to Experian and XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Experian and XXXX are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., 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 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 2022-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation
State: MO

Complaint narrative:
I am a victim of Identity Theft and I am submitting this complaint regarding the fraudulent information I found in my reports. The following items are not affiliated with me nor I received any money, goods, or services as a result of identity theft or they authorized by me. The Credit Bureaus have not complied with the Fair Credit Reporting Act Section 605b, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Under the FCRA, please remove the disputed accounts from my Cr edit report. 

WFC XXXX Balance Owed {$4300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax must validate this account in line with sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct erroneous reporting in my file listed on my credit report : XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: FL

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. Transunion must validate this account in line with sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct erroneous reporting in my file listed on my credit report : 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