vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have a grievance concerning my actual accounts and good credit history that is not associated with the ID Theft Reports no longer being listed. Several of my accounts that are mine and are positive are no longer reporting. I am sure this is the primary reason that my score has dropped over 100 points. Because of this significant drop I have suffered loss of business opportunity and extensions of credit. I would like for those accounts not included in the Identity Theft Report to be placed back on my Equifax credit report and to remain on my credit report for the allotted time. I have provided a list of the accounts in the attached documents that show the accounts were on my report prior and are no longer on there. 

Second, I have three accounts that were submitted through an Identity Theft Report That are still appearing on my credit report. Those items are XXXX XXXX ( 4th company down listed on attachment XXXX ) and a duplicate reporting of the same XXXX accounts ( 2nd company listed down in the attachment XXXX ). The XXXX is reporting twice at the beginning as the first item on the credit report and again as the last item on the credit report. And actually the accounts are even misreporting as well because the account has been sold or transferred to a collection company by the name of XXXX XXXX. You can see that the phone number and contact details to XXXX XXXX are detailed in the contact area of the creditor contact information. I called XXXX and XXXX XXXX, who identified himself as a customer representative, stated he found no information related to any of my personal information related to an account with XXXX. Detailed information is again included with the documentation attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I reached out to Experian Dispute center for investigation and verification of a wrongfully reported account on my report. It has been over 30 days and I havent received any response or documents with any signatures or validation. 

Account : Financial Assistance # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: FL

Complaint narrative:
Hi, I am reporting about error in my credit profile. I found account that is not mine, somebody filed it however I am not connected to this account absolutely. Please I kindly ask you to remove it because I am victim of identity theft that's obvious.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: FL

Complaint narrative:
Hi, I am reporting about error in my credit profile. I found account that is not mine, somebody filed it however I am not connected to this account absolutely. Please I kindly ask you to remove it because I am victim of identity theft that's obvious.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: NY

Complaint narrative:
Transunion and XXXX  have the same accounts. Why is XXXX  credit reporting different point than Transunion. It is not accurate. Transunion should be accurate with XXXX. It's the same accounts. Theses disparities must stop. I attempting to remedy this error by filing a complaint. Hopefully Transunion and XXXX  will be on the same page.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: NY

Complaint narrative:
XXXX  and XXXX  have the same accounts. Why is XXXX  credit reporting different point than XXXX. It is not accurate. XXXX  should be accurate with XXXX. It's the same accounts. Theses disparities must stop. I attempting to remedy this error by filing a complaint. Hopefully XXXX  and XXXX  will be on the same page.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PNC Bank N.A.
State: DE

Complaint narrative:
PNC opened an account on my name which was Fraud. I called to report and two months later I am still receiving statements. Called again and I have to file another fraud case and no status of the previous case. I now have a XXXX dollars balance. I have set an alert with the credit agencies, however I need for PNC to strengthen their controls to verify identity, Close these accounts and get this to a XXXX dollar. 

Account : XXXX, XXXX Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL

Complaint narrative:
I started the process of completing a refinance mortgage application with Cardinal Financial Company , XXXX XXXX DBA XXXX XXXX on XX/XX/2021. From day one, the loan originator, XXXX XXXX, assured me that this was a straight forward refinance and that I will be able to close before and within 45 days. To this date I have signed 6 closing disclosures because they haven't done there job. I have provided them with everything they have asked for within a few hours usually the same date or first thing the next day. They keep extending the closing date and adding rate lock fee ( {$340.00} ) which they state is my fault and I have done nothing wrong. The statement reads " rate lock expiration date change resulting from borrower requested change or extension ''. I have asked several times for what is causing the delay since they have all my necessary paperwork and documentation and their response is that there is a lien on the property. I have told them multiple times there are no liens as this is state law for contractors to put a lien until they have completed the work. I have provided the notarized contractor affidavit of lien releases in a timely manner ( I have attached those for reference ). I'm absolutely appalled by the way I'm being treated and the deceptive practices Cardinal Financial Company , XXXX XXXX DBA XXXX XXXX follows. I'm not sure what do to do at this point because I'm getting no responses back from them when I email them. I have requested to speak with a manager but no response on this either. I also don't want to cancel this loan because the rate is great and since XXXX the market has gone up so I would have to pay higher rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc.
State: VA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report, its been well over 30 days and I have not received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC.
State: UT

Complaint narrative:
Account opened XX/XX/2015. No Account number is XXXX .I sent ally financial affidavits showing the car loan showing as a charged off account was a identity theft account. It was obtained by my sister XXXX who had access to my information. I had officer statements showing I do not I've in XXXX  XXXX where car was bought, as well as my sister 's statements to officer thst she used my name to obtain things such as police report, I'd theft report which states legally they must remove from 3 credit reports. My attorney said do this last and if it remains he will file suit in my local court to file suit and make them remove it.my sister trader in a car to get this vehicle from XXXX XXXX  and XXXX immediately removed it within days. My social security number is XXXX I have my credit reports frozen so it's fine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
There is currently an inaccurate item being reported on my credit report from Santander Consumer USA. I have contacted this company at the address listed on my credit report here : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX. As you can see, I have enclosed a photo copy of my mail being returned from the post office due to an invalid address. Given that the furnisher has provided false information to XXXX, XXXX & XXXX and provided the bureaus with a false address, I demand that the item they are reporting be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
XX/XX/2021 I wired a mortgage payoff ( {$160000.00} ) to Freedom Mort. Corp 's bank in XXXX, OH. ( XXXX ). My bank ( XXXX ) verified the wire transfer on this day. Monday, XX/XX/2021, the {$160000.00} previously wired, was returned to my bank acct. 
I have pay-off documentation that provided the bank acct. at XXXX to wire funds to. 

Customer service staff at Freedom Mort. can not tell me why the money was returned and it's already XX/XX/2021. It is costing me interest of this mortgage note every day they delay and do not respond. Can someone or some organization help me?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: IL

Complaint narrative:
I have been harmed by XXXX, XXXX and transunion. they have kept on item on my report that are older than 7 years and have allowed others to gain access to my ssn and records that i am authorized representative and sole beneficiary.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have been harmed by equifax, XXXX and XXXX. they have kept on item on my report that are older than 7 years and have allowed others to gain access to my ssn and records that i am authorized representative and sole beneficiary.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been 60 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: CO

Complaint narrative:
This complaint was originally filed and closed prematurely. The original complaint number XXXX was closed even though the complaint was not resolved. Originally, Sun Trust ( now Truist ), said it would take them 30 days to process the payoff of my home loan, then they said 45 days, then they said the 60 days, last contact with them they said 90 days for Colorado to process the lien release. It has now been 90 days, I have not received any information that the lien release has been completed either from Sun Trust nor the state of Colorado. All of the payoff information was provided in the previous 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 2021-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
My complaint is against BB & T now Truist for fraudulent transactions and failing to honor our written agreement. On XX/XX/XXXX, I opted out of BB & T overdraft review for ATM / Everyday Debit Card Transactions. Included in the written agreement was the words that BB & T would not consider nor allow debit transactions when the funds are not available in the account. That did not happen. 
On XX/XX/XXXX, BB & T now Truist allowed a debit charge transactions in the amount of {$1300.00} when, BB & T knew the funds were unavailable. At that time the account had a positive balance of {$880.00}. 
This fraudulent debit transaction caused my account to instantly become negative by {$480.00}, creating a financial hardship for me. I am requesting a full refund of the {$480.00}, and any additional fees associated with this fraudulent transaction by BB & T now Truist. It is my understanding that BB & T had an obligation to honor our written agreement. If you have any questions or concerns please feel free to contact me at XXXX. 
I reached out to BB & T about this matter and was appalled at their response. I was not allowed to present any supporting documents, nor provide a rebuttal. I feel BB & T investigation was bias. Please see attachments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: OH

Complaint narrative:
My identity was stolen back in 2002 as well as my kids I'm still working to remove XXXX accounts in my XXXX old son name. Someone filed 2 tax returns in my name. Also applied for so many credit cards it's been hard to keep up. It's been a stressful journey. Equifax hasn't been making anything easier. There a difficult credit Bureau to get fraudulent items removed. All they keep doing is " verifying '' the information. Even after you've sent them everything possible. Also reaching out to the companies that are reporting the fraud. They are even saying they reach out to get the item deleted but Equifax still doesn't delete the fraudulent items. I currently have a fraudulent XXXX XXXX account that says closed charge off and they have me owing {$2100.00} that account should have been removed years ago as well as a us dept of Education Fraudulent account showing i owe XXXX. XXXX ohio

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
My wife states she did visit a website called XXXX. She states she did click the free 7 day trial membership. But, before even leaving the website - she informed me that she tried many times to terminate the free trial. As I have stated to Sam 's Club, XXXX is a foreign website that has big security problems. Both XXXX XXXX browser and XXXX XXXX stop and warn that, " Attackers might be trying to steal your information from XXXX. '' So contacting them is almost impossible - unless you want an even bigger problem! 
Basically, XXXX has successfully charged our Sam 's Club MasterCard twice. Currently, Sam 's Club has authorized a provisional credit for both charges of {$34.00} for the months of XXXX and XXXX. In conclusion, upon seeing the first charge of {$34.00} - I contacted Synchrony Bank on XX/XX/XXXX and filed a dispute. XXXX  submitted another charge on XX/XX/XXXX. and I tried contacting Sam 's Club customer service again - only to be connected to a bad experience from abroad customer service. I did get US support the following business day and hopefully problem is at least stopped from further charges.

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 2021-05-17 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: TX

Complaint narrative:
not mine : XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY U.S. DEPARTMENT OF EDUCATION XXXX potentially negative icon Potentially Negative StatusCollection account/Never late. {$590.00} past due as of XX/XX/XXXX. 
Account TypeEducation Balance {$590.00} Date OpenedXX/XX/XXXX Dispute U.S. DEPARTMENT OF EDUCATION XXXX potentially negative icon Potentially Negative StatusCollection account. {$1600.00} past due as of XX/XX/XXXX. 
Account TypeEducation Balance {$1600.00} Date OpenedXX/XX/XXXX Dispute XX/XX/XXXX XX/XX/XXXX XXXX potentially negative icon Potentially Negative StatusClosed. {$95.00} written off. 
Account TypeSales Contract Balance {$0.00} Date OpenedXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I was deceived into the loan that I finished paying off. The terms for the end of it were not made known to me and I ended up making way more payments than I should have. Once it was close I also had to change my account number for my checking account during the process which further ruined my finances and showed up as a negative on my credit reporting. It is not fair that I wasnt allowed to decline the setup for that kind of loan knowing what was in store for me by Wells Fargo.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: FL

Complaint narrative:
Please help me with accounts that I do not recognize. I just found these items and I want to inform you officially that these accounts are not mine. I am victim of identity theft and I want to complain on these items. I just can not move forward in my life due to this situation and I consider it as violation because these accounts are not mine. If you can please remove them from my profile after verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: FL

Complaint narrative:
Please help me with accounts that I do not recognize. I just found these items and I want to inform you officially that these accounts are not mine. I am victim of identity theft and I want to complain on these items. I just can not move forward in my life due to this situation and I consider it as violation because these accounts are not mine. If you can please remove them from my profile after verification.

Company response to consumer: Closed with explanation