vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-23 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: TX

Complaint narrative:
I was reviewing my credit file & came across numerous items which I did not recognize, know existed or authorize. I contacted the companies to inform them of the issue. They instructed me to file a complaint with identitytheft.gov & credit an identity theft report for their records. The following information listed is inaccurate & opened due to identity theft. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these accounts. Here is the list of information I need removed/blocked from my credit reports : inquiries ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX  XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; The following address needs to be removed ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX, NY XXXX ; the account ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$1300.00}.

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 2022-03-23 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 was reviewing my credit file & came across numerous items which I did not recognize, know existed or authorize. I contacted the companies to inform them of the issue. They instructed me to file a complaint with identitytheft.gov & credit an identity theft report for their records. The following information listed is inaccurate & opened due to identity theft. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these accounts. Here is the list of information I need removed/blocked from my credit reports : inquiries ; XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; The following address needs to be removed ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX, CO XXXX XXXX the account ; XXXX XXXX XXXX XXXX Balance Owed : {$1300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Hello, I was a victim of identity theft in the past. This creditor never sent in any mail stating that this debt was owed. Never received written notice about this debt before it was reported on my credit report. I contacted them 40 days ago and have yet to receive proper validation and documents stating this account is mine. This has surpassed the legal time limit please remove this from my credit report. There is no verification of this alleged debt that is not mine. The dates reporting across all credit bureaus are different this is inaccurate. Also this account listed gave false/misleading information then decided to close the account. There is a positive balance of {$6100.00} which is false representation of the amount. This goes against 15 USC Section 1692e ( a ) I also never granted this organization. The account is XXXX XXXX  # XXXX. I am the only one who can validate this debt, according to congress I am the original creditor. I do not validate this debt. Congress law states that legally this account is supposed to be removed from my credit report.

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 2022-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I used my social security number to apply for credit and I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Disputed information thats reported against me with the XXXX. I specifically explained in detail what incorrect and incomplete information is being reported against me. They claim that they did an investigation, but the information is still being reported incorrect and incomplete. 

In attached document will show the account with missing information from sept. XXXX to XX/XX/XXXX. This is also showing inaccurate late payments for feb. XXXX, XXXX XXXX also innacurate late payments for XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my 4th letter regarding an investigation on my credit report which caused severe XXXX upon me and found unverifiable, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S Code 1681e ( b ) ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( a ) in general, after reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate and 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 investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of the verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

15 U.S Code 1681 ( 5 ) Removal of inaccurate credit information XXXX XXXX XXXX Account Number : XXXX I demand you to delete this item asap

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 2022-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synovus Bank
State: CA

Complaint narrative:
I opened an account with an attempt to build credit, i neer used the card yet the company states i used the amount due and currently owe a balance. i NEVER used the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OK

Complaint narrative:
I tried to pay the remaining of the loan but head of account wanted to take responsibility and never paid it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: Affirm Holdings, Inc
State: GA

Complaint narrative:
I paid a department or company they had collecting on debt to resolve matter. Paid in XXXX said company said they sent update to company on XX/XX/24 and they still reported as a collection on XXXX snd eXXXX like I still owe them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: World Acceptance Corporation
State: GA

Complaint narrative:
Requested a dispute with CRA 's. The dispute was a detailed compliant about the information being reported on my credit profile.This particular account from World Finance is reporting inaccurate late payments. The Late payments are inaccurate from XX/XX/XXXX to XX/XX/XXXX. How can you be late the same amount of days from a month to month reporting period? This is a FCRA violation. 

World Finance Corporation incorrect information on my credit profile. The incorrect info is the late payment for XXXX of XXXX. How can you be late the same amount of days from a month to month reporting period? This is a FCRA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Immediate Action Needed : Unauthorized Refinance Application & Credit Pulls : Writing today regarding Loan Number XXXX serviced by Mr. Cooper/Nationstar. On XX/XX/2022 Agent XXXX XXXX ( XXXX ID XXXX ) initiated an unauthorized refinance application for this loan and conducted credit pulls that were neither requested nor authorized for my wife and I. 

I have emailed and left voicemails for XXXX, as well as the supervisor identified on his voicemail XXXX XXXX, with multiple requests to confirm this unauthorized refinance application was cancelled, as well as the credit pulls reported and reversed with the Credit Bureaus. A full week has passed since the unauthorized application and credit pulls were conducted by XXXX and neither he nor anyone from the Mr. Cooper/Nationstar Team has provided any responses to show action on this. 

In addition to the messages with XXXX and XXXX, I spoke with the Executive Resolutions Team on XX/XX/XXXX who assured me I would receive a response from XXXX or XXXX. XXXX business days have passed and once again there have been no responses. 

I am requesting immediate assistance from the proper management positions and fraud resolution team as I have received no response on this matter- all based on a refinance application that was neither requested, authorized, nor consented to. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX tried to send money by XXXX. The transaction was canceled by bank of American and my account locked. Now prior to this bank of america had been sending my new debit card o ordered to the wrong address for about 2 months. I called several time and gave them the correct address. So for all this time I had no access to my money except XXXX. So now my income tax check gets direct deposited and 2 days later account closed for fraud no explanation. So I contacted bank of America 's fraud department and talked to the XXXX XXXX tx fraud manager. This is when I caught that they were sending my debit card to the wrong address for 6 to 8 weeks. Then he tells ne there going to send my funds in a check .so I ask them how there going to mail me a check if you can't mail me a debit card. Then he proceeded to tell me that if I called back in the morning he would request the funds to be released from a local branch.so then I called back following morning at XXXX or XXXX am and was told the check had already been mailed. Lie # 1 lie # 2 comes when I call back a few day later and talk to another fraud department employee and she tells me the check was just mail the XXXX and that this was the fastest account closing shed ever seen. So I was told 7 to 10 days to receive my funds one check for XXXX and another for XXXX that to-date I still have not received. XX/XX/XXXX. So I called again and was told 10 to 15 business day before I should call back. Now I did nothing wrong here. They have completely screwed me over. I have loan payment and bills that are late now and completely wreaking my credit that I have been fixing for the past 2 years so I could buy a house. This is a total disgrace. I want my money and all damages to my credit fixed.

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 2022-03-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I purchased a mattress from Macy 's in XXXX, XXXX. The mattress came with a 10 year warranty. The mattress began to fail within 6 months and by late XXXX I was no longer able to sleep on it. Macy 's sent their technician to inspect the mattress and confirmed that the mattress should be replaced. 
I confirmed with their customer service department that I was eligible for a full refund of the {$2000.00} price of the mattress. 
I went back to Macy 's and picked another mattress and confirmed again with the sales person that I could apply the {$2000.00} credit to the mattress and that the credit would be applied when the mattress was returned. The new mattress was delivered in XXXX, XXXX and the old mattress taken back to Macy 's warehouse. 

Macy 's has never applied the credit and are billing me for the balance, charging penalties and reporting my account to the credit rating companies, dropping my XXXX score. 
I have called countless times, written multiple letters and have received no response. They have acknowledged the credit is due to me but have not/will not apply it

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 2022-03-23 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: TX

Complaint narrative:
Below I have listed a large number of inaccuracies on my consumer report. The credit reporting agencies have been notified by mail and by phone call. I should not have to debate nor argue over incorrect information listed on my report. I've asked XXXX, XXXX, and Equifax to provide proof any of the below inaccuracies are mine. Under 15 USC 1681a ( e ) investigative consumer report the reporting agencies should not list anything factual or about me as a consumer. In order to validate anything to place on my file it must first be verified by a neighbor, family member, or friend that knows of such knowledge. I gave none of the listed companies permission to use my social security account number to open, apply or inquire. I demand for all listed below to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
Flagstar Bank is the worst financial institution and should not be in business. I started this process to refinance an exiting loan with Flagstar in XX/XX/XXXX. It has has been over six months! This process is no closer to closing this out and going on month seven! 

As of to date, XX/XX/XXXX, the loan still has not been processed or finalized. Im working with my third loan processor and have been asked to resubmit all of the information I have previously provided plus more as if Ive never submitted any information. The loan processor/ supervisor, while very nice and the reason I elected to refinance with Flagstar , has not been monitoring my file nor provided any resolution. I contacted the customer service line and never received call back or resolution. I made several attempts to ask for a manager to call me back and still have not heard from anyone!! My experience with this company is unbelievable and has been unprofessional. 

Im a professional with minimal debt, great credit and should never be treated or made to feel less than. I learned that the underwriter assigned to my file has spent the last six months or more excessively questioning my file, asking for several documents ( that I have provided with no delays and in access of what has been asked ), and scrutinizing my file based on a what I believe to be a bias - questioning my low monthly gas bills. This is ridiculous and uncalled for and an attempt to suppress consumers by frustration and dissuasion. 

Flagstar has and continues to waste staff time, money AND my time, money and energy! Im at a loss.

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 2022-03-23 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: U.S. BANCORP
State: CA

Complaint narrative:
This is my 4th letter regarding an investigation on my credit report which caused severe XXXX upon me and found unverifiable, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S Code 1681e ( b ) ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( a ) in general, after reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate and 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 investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of the verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

15 U.S Code 1681 ( 5 ) Removal of inaccurate credit information XXXX XXXX XXXX Account Number : XXXX I demand you to delete this item asap

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 2022-03-23 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Autovest, L.L.C.
State: OK

Complaint narrative:
During a divorce my ex wife totaled her car which was financed with XXXX XXXX the car insurance was with XXXX XXXX also, the divorce was in XXXX and XXXX in XXXX autovest sued and garnished my check stating they owned the debt in XXXX XXXX XXXX contacted me to make sure that no other insurance was on the car at time of wreck because they were in the process of filing a claim on the totaled car. XXXX separate companies trying to get money for the same debt, who owns the debt and is that not fraud?

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