vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-28 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:
there are 2 accounts on my reports that I asked to be investigated but was never done. XXXX 's XXXX I disputed XX/XX/XXXX and XX/XX/XXXX status date shows XX/XX/XXXX -- -- XXXX XXXX XXXX XXXX I disputed XX/XX/XXXX and XX/XX/XXXX once again Status date show XX/XX/XXXX these account was never investigated and I would like them deleted. I will upload proof. Delete at once

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 2021-07-28 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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: EQUIFAX, INC.
State: LA

Complaint narrative:
These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 60 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: TX

Complaint narrative:
File a dispute with Experian, in XX/XX/XXXX and XX/XX/XXXX. I have 2 accounts that show status date XX/XX/XXXX and XX/XX/XXXX Experian did not investigate nor the companies I will upload the proof of my report on each account. Ordinal status dates from when account was open. I want these 2 accounts deleted.

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 2021-07-28 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: NJ

Complaint narrative:
TransUnion LLC has violated the Fair Credit Reporting Act. They have not responded in a timely manner with any results within 30 day to 45 day time frame. Involving my letters with erroneous credit accounts. I have sent them letters and TransUnion has not taken action to report to me the consumer in the time frame as agreed according to the FCRA

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 2021-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
EXPERIAN REFUSES TO REMOVE A BANKRUPTCY OFF MY CREDIT REPORT OR GIVE ME THE PROOF OF WHO FURNISHED THEM WITH INFORMATION.EXPERIAN SAID THEY GOT IT FROM THE COURT HOUSE, WHEN I GOT A LETTER FROM THE COURT HOUSE SAYING THIS IS FALSE, THEY THEY INSISTED THEY GOT THIS INFORMATION FROM XXXX XXXX. I HAVE SINCE GOTTEN MY COMSUMER CREDIT REPORT FROM XXXX XXXX AND NO SUCH PUBLIC RECORD EXSIST ON MY CREDIT REPORT. I DEMAND THAT THIS BE REMOVED SINCE THEY HAVE NO VALID PROOF THIS IS IN FACT MY BANKRUPTCY. XXXX  AND XXXX  HAVE DELETED THIS BANKRUPTCY BECAUSE THEY WERE UNABLE TO VERIFY THIS 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 2021-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I initially sent a series of correspondence to the Credit Reporting Agencies as well as the Actual Creditor.

I am fully aware of how reporting works and found proof of non-compliance in accordance to the XXXX and XXXX XXXX format method. 

XXXX XXXX XXXX  XXXX  Account ID : XXXX I have exhausted all my options to resolve this matter and am now demanding that the account be deleted from my credit report because it is invalid and unverifiable. 
If there is no proof of debt and no verifiable information, then the information may not be reported to the credit bureaus nor reported under the Fair Credit Reporting Act. The incorrect account information on my credit report can not be verified, so it must be deleted from my credit report or you will be in violation of the FCRA. 

Please see attached documents of proof of me sending the letter and the agencies receiving them. In addition to that, please note that they are neglecting my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of XXXX updates ). 

It is very urgent that you please investigate and resolve as this is destructive to my character and is obstructing my capability to obtain loan.

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 2021-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: DHI Mortgage Company
State: AL

Complaint narrative:
DHI Mortgage failed to provide the appraisal as required. Section 1002.14 ( a ) ( 1 ) requires that the creditor provide copies of appraisals and other written valuations to the applicant promptly upon completion, or no later than three business days before consummation ( for closed-end credit ) or account opening ( for open-end credit ), whichever is earlier. The appraisal is dated XX/XX/2021 but wasn't provided to me until XX/XX/2021. This is not prompt. I followed up with her several times to obtain a status and she was never forthcoming with any updates. 

DHI Mortgage Originator, XXXX XXXX, apologized for lack of transparency and assured me that this was a coaching opportunity for her. However, she called me on Wednesday, XX/XX/2021 to tell me that I should be receiving our revised closing disclosures the same day, or the following day. I heard nothing from her until Tuesday, XX/XX/XXXX ( today ), with no further updates about the revised disclosures. She only called to delay the closing because she had concerns that the closing package wouldn't be ready by our agreed upon closing date. She has previously re-iterated that the closing date in our contract was a projected closing date. I asked that the closing remain at the time we already agreed upon due to having a utility appointment for later in the afternoon. She said she would notify the closing department and get back with me. She did not contact me to advise whether closing was moving forward as scheduled or was firmly being rescheduled to accommodate their lack of planning and effort in getting the documents completed timely. 

I write this complaint of DHI Mortgage 's shady appraisal practices and complete lack of transparency about their processes. I write this complaint not knowing how much cash is needed to close nor when the closing is scheduled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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:
File a dispute with XXXX, in XX/XX/XXXX and XX/XX/XXXX. I have 2 accounts that show status date XX/XX/XXXX and XX/XX/XXXX XXXX  did not investigate nor the companies I will upload the proof of my report on each account. Ordinal status dates from when account was open. I want these 2 accounts deleted.

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 2021-07-28 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: TX

Complaint narrative:
File a dispute with XXXX, in XX/XX/XXXX and XX/XX/XXXX. I have 2 accounts that show status date XX/XX/XXXX and XX/XX/XXXX XXXX  did not investigate nor the companies I will upload the proof of my report on each account. Ordinal status dates from when account was open. I want these 2 accounts deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: TX

Complaint narrative:
i disputed 2 accounts in XX/XX/XXXX and XX/XX/XXXX the problem was not fixed. There was know investigation one show status dat XX/XX/XXXX and the other show XX/XX/XXXX. this is a clear violation of my rights. delete this accounts. I have attached 2 copies showing where it states they investigated but the date shows different. Delete

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 2021-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Augusta Collection Agency, Inc.
State: GA

Complaint narrative:
I have been disputing accounts that do not belong to me. I have disputed with the credit bureaus four times and with the actual collection agency three times. XXXX, XXXX, and XXXX  has not provided me with any documents showing that I owe this debt. I have also contacted The Collection Agency Augusta Collections and they have not provided me documents showing that the debt they have is mine. I was sent itemized bills that I have never seen before until I started the dispute process. 

Dates I have sent dispute letters to Augusta Collection was XX/XX/2021, XX/XX/2021 and XX/XX/2021. The amount that they say I owe is {$3500.00}. Augusta Collection has called me demanding payment. They have sent letters stating that the debt is mine with nothing validating the debt at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am distressed and constantly have anxiety attacks after numerous of times disputing both by mail and on the phone for the last 6 months and they kept the inaccurute information on my report that they have included the information below in my credit profile and that you have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in my credit reports they published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

I dont recognize this public record on my credit profile so I contacted the courts and they stated that the information I gave them didnt match that I ever filed bankruptcy in their courts ; please provide proof from the court of this public record. I never file bankruptcy ever in my life this public record on my report is inaccurate and I demand that it gets deleted immediately for violation of my right to privacy FCRA 15 U.S. Code 1681b ( 2 ) and you didnt have permissible purpose to furnish this information on my consumer report ; and violation of FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy

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 2021-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: WV

Complaint narrative:
I was contacted XX/XX/21 by voice mail from a woman stating she was from service dispatch and she attempted to deliver a summons to me at my address. She proceeded to say the attempt would be made again and if the name address is incorrect I must call XXXX and speak to the company holding this debt which is XXXX XXXX address XXXX XXXX XXXX XXXX XXXX CA XXXX. Otherwise I would not be receiving further communication for legal process to begin. You have been notified. I called their office and gave them my case # XXXX-XXXX. A man named XXXX XXXX stated I owe a debt from a Visa card with Wells Fargo and it was from XXXX. He then proceeded to say they could place a lien on my home and although this is no longer on my credit report they can still collect on this debt for XXXX more years. I advised I was not aware of this card. He said dont you check your credit report? He then said the balance is {$7400.00} because of legal fees and interest. I said I do not have that kind of money. I would have to get a loan. He said hold on let me see if they will give an extension. He then came back to the line and said your extension would only be until Fri. XX/XX/21 and the settlement amount will be {$2900.00}. He then asked my email address to send me the paperwork and told me it would need signed. When I received the document it listed my social security number all of it on this piece of paper. Also the deadline date on the paperwork did not match what he told me verbally. The date on the paperwork stated deadline of XX/XX/21 which is today the date of our conversation. I opened it and printed it out but did not sign anything and will not. He told me if I decided to pay to call back and the debt could be pays by debit or credit card or electronic check. This all concerns me because I was notified by my HR Department back in XXXX or XXXX that someone stole my personal information and placed a claim with my employer under my name for unemployment benefits. I was so shaken up that I didnt ask any particulars such as their license number and if they could collect in West Virginia, or to request they send me documentation from Wells Fargo on this debt. I also advised I have never received anything in the mail from Wells Fargo or those Law Firm. He said well we have sent things. I stated the fact that I have never received anything at my home address. I am unsure what to do. Is this a scam? The statute of limitations for WV is 10 years. Also at the bottom of the document it states to not share any part of this message to any third party without written consent of the sender! This cant be legal?!! I am truly afraid and not sure where to turn or know what my next step should be? Please help! 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 2021-07-28 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 disputed 2 accounts in XX/XX/XXXX and XX/XX/XXXX the problem was not fixed. There was know investigation one show status dat XXXX XXXX and the other show XXXX XXXX this is a clear violation of my rights. delete this accounts. I have attached 2 copies showing where it states they investigated but the date shows different. Delete

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 2021-07-28 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: TX

Complaint narrative:
i disputed 2 accounts in XX/XX/XXXX and XX/XX/XXXX the problem was not fixed. There was know investigation one show status dat XXXX XXXX and the other show XXXX XXXX this is a clear violation of my rights. delete this accounts. I have attached 2 copies showing where it states they investigated but the date shows different. Delete

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WESBANCO BANK, INC.
State: MD

Complaint narrative:
On XX/XX/2021 I was made aware that checks that I wrote from my Wesbanco bank account on behalf of my XXXX XXXX, the XXXX XXXX XXXX, were stolen out of a blue postal service mail box in my neighborhood on XX/XX/XXXX, altered, and cashed for fraudulent amounts. While I have only ever written checks to XXXX XXXX vendors from that account for small amounts ranging from {$5.00} to {$150.00}, the following transactions were approved by XXXX XXXX XXXX XXXX as they were deposited into accounts in that bank : check # XXXX to XXXX XXXX for {$900.00} check # XXXX to XXXX XXXX for {$950.00} check # XXXX to XXXX XXXX for {$950.00} It is very clear from the check images that my original signature was not used and that they were tampered with. I filed a police report with the XXXX Police ( report # XXXX ) and the police confirmed there have been many cases of this fraud happening and I was not a singular case. I also filed a report with the U.S. Postal Service Inspector General, and filled out a fraud/forgery investigation form with the bank. 

The Postal Inspector 's information is below : XXXX XXXX Postal Inspector - Mail Theft U.S. Postal Inspection Service XXXX  Division XXXX ( Desk ) I have asked about the status of having my stolen funding of {$2800.00} refunded back into my account so I can fund my farmers market operations, and Wesbanco keeps informing me that I need to have some further evidence of what the original amounts on the checks had been before XXXX XXXX XXXX XXXX will reimburse Wesbanco, and then Wesbanco would reimburse me. 

I have told Wesbanco that my records show that I wrote the checks in alphabetical order ( 9 were stolen and only 3 were deposited ) and that would mean the original amounts and payees were as follows : XXXX 'XXXX XXXX - {$92.00} - XXXX XXXX XXXX XXXX - {$10.00} - XXXX XXXX XXXX XXXX XXXX - {$10.00} - XXXX All of vendors confirmed that they never got the checks I had originally mailed them. 

But XXXX XXXX XXXX XXXX is telling Wesbanco I need more evidence, which I simply can not produce because I wrote the checks quickly and did not mark them in a check register. 

I need help pushing this forward in order to continue to fund my farmers market operations and it seems to be at a standstill where XXXX XXXX XXXX XXXX does not want to pay for the fraudulent account that they held for XXXX XXXX ( s ). 

I believe other evidence would be to look at all other checks I have written on behalf of the market to review handwriting as well as notes - I have never written a check for " Labor, '' for example, and XXXX XXXX ( s ) is not employeed by the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation