vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-17 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing in regard to my dispute of XXXX Account XXXX. I disputed this account formation as being unverified and inaccurate, but I received notification on XX/XX/2020 stating the account information was verified. How is this possible? I attempted to contact TransUnion directly and was placed on hold for well over 30 minutes before the call was eventually dropped. I contacted XXXX XXXX / XXXX XXXX XXXX and have a letter from XXXX XXXX XXXX on company letterhead which clearly states this debt has a balance of XXXX ; full yet TransUnion continues to report that this account is accurate? This is absolutely incorrect and by continuing to report this on my credit report TransUnion is in direct violation of the Fair Credit Reporting Act ( FCRA ). 

The FCRA states that I have the right to dispute incomplete or inaccurate information and that the dispute must be investigated unless my dispute is frivolous. As clearly indicated in the documentation originally sent with my complaint # XXXX to the Consumer Financial Protection Bureau this complaint is legitimate and with merit and therefore should have been properly investigated. I contend that TransUnion has blatantly violated my rights under the FCRA by continuing to report this trade line as accurate. 

The FCRA states that consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information within 30 days. I contend that TransUnion representatives assigned to verify this debt failed to properly carry out their duties and rubber stamped it as verified. This is also a clear violation of my rights under the FCRA. I am confident that this fact will be proven in a court of law as there is no question that the information on my credit report in regards to XXXX XXXX is incorrect. 

This is my last attempt to resolve this issue before litigation which will include seeking monetary damages for the negative impact these violations of my FCRA rights have caused to my credit scores. I have documented proof that I have been denied credit as a result of TransUnion incorrect reporting and refusal to correct. I demand that this item be DELETED from my credit report per my rights under the FCRA. While I prefer not to litigate if need be I will utilize the courts and publicity to enforce my rights under 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 2020-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I got a loan from XXXX XXXX XXXX in XXXX, PA for XXXX XXXX almost 13 years ago from XXXX XXXX. I wanted to go for the XXXX XXXX XXXX   but was told by this school that I had to complete a XXXX XXXX  class first for 9 months so I completed the class with XXXX  and completed my XXXX  but when I asked the school to help me with getting a job they told me I had to have an email set up which I did not at that time so they then told me they couldn't help me get a job because of having no email address. I paid on my loans every month as ordered and could not pay it for a couple months it was lowered so I could pay on it but my XXXX XXXX loan then got taken over by XXXX  in XXXX and they harrassed me non stop with phone calls, calls to my brother in law 's family and people there not aloud by law to tell that information to except a spouse they then told me my only option was paying {$10000.00} at that time or go into forbearance and not for a while and then promised to lower payments well then the interst rated went crazy and I could no longer afford it. It's been almost 13 years and it finally closed this month but it's still on my credit report under XXXX   it's open now taken over by XXXX and under my XXXX  report it says closed but the date my loan opened says XXXX, I wasn't born until XXXX. Can you please help and also let me know if I'm able to claim taxes because they took my refunds the last 2 years. I'm a single mother of XXXX  little girls and I currently live with my parents because I lost my fiancee and father of my children a year ago. I'm XXXX years old and have XXXX daughters ages XXXX & XXXX and need help with closing this loan and removing it from my credit 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 2020-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I got a loan from XXXX XXXX XXXX in XXXX, PA for medical assistant almost 13 years ago from XXXX XXXX. I wanted to go for the XXXX XXXX XXXX   but was told by this school that I had to complete a XXXX XXXX  class first for 9 months so I completed the class with XXXX  and completed my XXXX  but when I asked the school to help me with getting a job they told me I had to have an email set up which I did not at that time so they then told me they couldn't help me get a job because of having no email address. I paid on my loans every month as ordered and could not pay it for a couple months it was lowered so I could pay on it but my XXXX XXXX loan then got taken over by navient in XXXX and they harrassed me non stop with phone calls, calls to my brother in law 's family and people there not aloud by law to tell that information to except a spouse they then told me my only option was paying {$10000.00} at that time or go into forbearance and not for a while and then promised to lower payments well then the interst rated went crazy and I could no longer afford it. It's been almost 13 years and it finally closed this month but it's still on my credit report under XXXX  it's open now taken over by XXXX and under my Equifax report it says closed but the date my loan opened says XXXX, I wasn't born until XXXX. Can you please help and also let me know if I'm able to claim taxes because they took my refunds the last 2 years. I'm a XXXX XXXX of XXXX little girls and I currently live with my parents because I lost my fiancee and father of my children a year ago. I'm XXXX XXXX XXXX and have XXXX daughters ages XXXX & XXXX and need help with closing this loan and removing it from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: NJ

Complaint narrative:
My wife and I have tried to refinance our mortgage with Caliber Home Loans , Inc . Since they are the servicing mortgage company that holds our mortgage at an APR 4.87 % 30 year fixed rate. On XX/XX/2020, I spoke with Mr. XXXX ( ID # XXXX ) a representative of C.H.L. and after our first phone conversation which I pointed out that our APR at 4.87 % was extremely high at this market and he agreed with me. He then asked me if he could call me right back within one hour and I agreed. Mr. XXXX never called back or answered my phone calls and messages, he left us hanging. Then we were contacted by another C.H.L. representative, Mr. XXXX XXXX ID # XXXX ) on or about end of XXXX I was negotiating a refinance from 4.87 % APR ( current APR ) to 3.6 % 30 year fixed rate. During the subsequent week on XX/XX/2020, I was notified by my company that my job was been terminated as a XXXX XXXX Consultant. I wrote to Mr. XXXX and expressed that to him. In the letter I explained to him that my wife, XXXX XXXX was still gainfully employed. I explained to Mr. XXXX that we were respectfully requesting that Mr. XXXX ask his superiors at C. H. L. to provide us an interest rate less than 3.6 % APR and a six ( 6 ) month grace period without penalty until I can secure another position. We explained that we were not asking for forgiveness of the debt instead we would ask that the amount be added to the end of the loan at the new interest rate. After sending this email to Mr. XXXX he simply responded that he was sorry and offered to send us to another department and did not. Until, XXXX, XX/XX/XXXX, when he called me back and I insisted that he would send me a link to deal with some one else. 
At this Caliber Home Loans, Inc. they keep passing the ball to the next person to try to dissuade you for getting a lower interest rate and refinance your mortgage. Even when the Federal Reserve Bank lowers its interest rate at 0 % and Governor XXXX in New jersey, asks us, the consumers in New Jersey to contact our mortgage servicing company to lower our interest rate and refinance with a grace period during these economic hard times. Please help us achieve this dire need to refinance our mortgage and stop companies tike Caliber Home Loans , Inc. from playing hard ball with customers. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: KeyBridge Medical Revenue Management
State: OH

Complaint narrative:
Keybridge, a debt collector, with an address of : XXXX XXXX XXXX, XXXX, OHXXXX, ( XXXX ) XXXX has collected on three medical debts owed by me from XXXX XXXX in XXXX, Ohio. These debts were collected in XXXX XXXX Ohio Municipal Court successfully through a judgment and subsequent garnishment of my wages yet Keybridge refuses to update my credit report with accurate information that these three debts have been paid and satisfied.

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 2020-04-17 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: GA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft.I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : XXXX {$8700.00} Opened XXXX, XXXX XXXX XXXX XXXX   {$4800.00} Opened XX/XX/2014 I did not make the charges listed above. I request that you remove all fraudulent charges and any related fees, send me an updated and accurate statement, and close the account. I also request that you stop reporting the inaccurate information to credit bureaus. 
I have enclosed my Identity Theft Report, proof of my identity, and a copy of my credit report showing fraudulent items related to your company. I also have enclosed a copy of the Notice to Furnishers of Information, which explains your responsibilities when providing information to credit bureaus. 
The Notice also states that if a

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 2020-04-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft.I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : XXXX  {$8700.00} Opened XX/XX/2015 XXXX XXXX XXXX  {$4800.00} Opened XX/XX/2014 I did not make the charges listed above. I request that you remove all fraudulent charges and any related fees, send me an updated and accurate statement, and close the account. I also request that you stop reporting the inaccurate information to credit bureaus. 
I have enclosed my Identity Theft Report, proof of my identity, and a copy of my credit report showing fraudulent items related to your company. I also have enclosed a copy of the Notice to Furnishers of Information, which explains your responsibilities when providing information to credit bureaus. 
The Notice also states that if a

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 2020-04-17 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing in regard to my dispute of XXXX Account XXXX. I disputed this account formation as being unverified and inaccurate, but I received notification on XX/XX/2020 stating the account information was verified. How is this possible? I contacted XXXX XXXX / XXXX XXXX XXXX and have a letter from XXXX XXXX XXXX on company letterhead which clearly states this debt has a balance of XXXX ; full yet Experian continues to report that this account is accurate? This is absolutely incorrect and by continuing to report this on my credit report Experian is in direct violation of the Fair Credit Reporting Act ( FCRA ). 

The FCRA states that I have the right to dispute incomplete or inaccurate information and that the dispute must be investigated unless my dispute is frivolous. As clearly indicated in the documentation originally sent with my complaint # XXXX to the Consumer Financial Protection Bureau this complaint is legitimate and with merit and therefore should have been properly investigated. I contend that Experian has blatantly violated my rights under the FCRA by continuing to report this trade line as accurate. 

The FCRA states that consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information within 30 days. I contend that Experian representatives assigned to verify this debt failed to properly carry out their duties and rubber stamped it as verified. This is also a clear violation of my rights under the FCRA. I am confident that this fact will be proven in a court of law as there is no question that the information on my credit report in regards to XXXX XXXX is incorrect. 

This is my last attempt to resolve this issue before litigation which will include seeking monetary damages for the negative impact these violations of my FCRA rights have caused to my credit scores. I have documented proof that I have been denied credit as a result of Experian 's incorrect reporting and refusal to correct. I demand that this item be DELETED from my credit report per my rights under the FCRA. While I prefer not to litigate if need be I will utilize the courts and publicity to enforce my rights under the FCRA. 

I look forward to a swift resolution of this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: CITIBANK, N.A.
State: FL

Complaint narrative:
ACCOUNT # XXXX CITI illegally sold a fake account to XXXX XXXX XXXX XXXX violation of Title 15 USC 1681m ( f ) ( 1 ) of the FCRA . 

It is prohibited to sell an account that was reported as fraudulent. I reported the fake account that was created by XXXX XXXX to CITI when I discovered the criminality. CITI, went ahead and sold the account to the criminal collection agency in violation of Federal Law. See attached Fraud Alerts on my CRA 's and documentation with the IRS. 

Special Agent XXXX XXXX with the IRS-CID and Special Agent XXXX XXXX, specifically communicated to me that the XXXX XXXX has been stealing ID 's. In fact, there is another person in California and Florida using my credentials. The Mexicans would also use a person 's mailbox itself and snagg the incoming mail before persons would return from work. This is how sophisticated these XXXX XXXX   are.

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 2020-04-17 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:
ACCOUNT # XXXX XXXX illegally sold a fake account to XXXX XXXX XXXX in violation of Title 15 USC 1681m ( f ) ( 1 ) of the FCRA . 

It is prohibited to sell an account that was reported as fraudulent. I reported the fake account that was created by XXXX XXXX to XXXX when I discovered the criminality. XXXX, went ahead and sold the account to the criminal collection agency in violation of Federal Law. See attached Fraud Alerts on my CRA 's and documentation with the IRS. 

Special Agent XXXX XXXX with the IRS-CID and Special Agent XXXX XXXX, specifically communicated to me that the XXXX XXXX has been stealing ID 's. In fact, there is another person in California and Florida using my credentials. The XXXX  would also use a person 's mailbox itself and snagg the incoming mail before persons would return from work. This is how sophisticated these XXXX XXXX   are.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
ACCOUNT # XXXX XXXX illegally sold a fake account to XXXX XXXX XXXX in violation of Title 15 USC 1681m ( f ) ( 1 ) of the FCRA . 

It is prohibited to sell an account that was reported as fraudulent. I reported the fake account that was created by XXXX XXXX  to XXXX when I discovered the criminality. XXXX, went ahead and sold the account to the criminal collection agency in violation of Federal Law. See attached Fraud Alerts on my CRA 's and documentation with the IRS. 

Special Agent XXXX XXXX with the IRS-CID and Special Agent XXXX XXXX, specifically communicated to me that the XXXX XXXX has been stealing ID 's. In fact, there is another person in California and Florida using my credentials. The XXXX  would also use a person 's mailbox itself and snagg the incoming mail before persons would return from work. This is how sophisticated these XXXX XXXX   are.

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 2020-04-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
EXPERIAN REPORT XXXX for XX/XX/19 Contains the following fake information used by XXXX XXXX to obtain credit against my SSN as contained in my EXTENDED Fraud Alerts and IRS ID THEFT Affidavit. I've written Experian many times only to discover that they have not removed the information at all from my Credit File. The information contained in the file belongs TO ME since they're reporting FAKE NEWS on me which seriously affects my future employer, creditors, potential clients, and credit applications. I am unemployed seeking employment and the misleading information must be removed as they are incorrect and not accurate.

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 2020-04-17 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX and TransUnion both decreased my credit scores by approximately 50 points or more, for utilizing my credit cards. For the past 2 years I have labored to repair my credit, paying off close to {$10000.00} worth of debt. Since then, I have begun a positive and responsible habit of paying all my debts in a timely manner. I have been utilizing my various new credit cards carefully and always immediately pay my balances, often times paying off the entire balances on my credit cards every month. With the general uncertainties brought on by the Covid-19 pandemic, I have made sure to exercise extra caution in using my limited assets to take care of my existing debt, as well as new and different expenses that have risen due to the pandemic. Things such as buying extra supplies for use and creating a just stockpile of items for possible continued quarantine times. In a time were most Americans are asking for deferments on their payments, I have diligently made all of my payments to all my creditors and have full intentions to continue as such. This is why I bring forth this complaint in regards to how XXXX  and TRANSUNION are reporting on my credit status. I am asking for leniency. I am asking for compassion. I am asking for fairness. I am asking for consideration. I am doing the best that I can to keep afloat during these difficult times, as is everyone else. I have used my assets to satisfy my current debts to the best of my ability and feel, it is unjust for my credit scores to be dropped from the XXXX 's to a XXXX because I used my credit cards during a PANDEMIC! The credit was afforded to me, to use as I choose, in a responsible manner when necessary and I am doing that. I have made ALL of my current payments, on time and have asked for no deferments except for my student loans, as they were placed on an automatic deferment due to recent legislation signed by President XXXX. Aside from this, upon investigation, findings will prove I have a current " excellent payment history '' as so reported by XXXX as well as the other 2 bureaus. The extreme credit score drops are not justifiable. I seek fairness and justice in the way these bureaus, XXXX and TRANSUNION are interpreting and reporting on my credit status.

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