vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THEY ARE TREATING MY XXXX LOANS AS FEDERAL LOANS WHEN THEY ARE PRIVATE LOANS ... NOT FOLLOWING FEDERAL REGULATIONS FOR 7 YEAR REMOVAL. XXXX IS UNDER LAWSUITS DUE TO COMPLAINTS SUCH AS THESE. THEY ARE FRAUDULENTLY STATING MY LAST PAYMENT INCORRECTLY. 

* Examples Attached * THE ACCOUNTS ' DATES CAN NOT BE REPORTING CORRECTLY. LOOK AT THE DATES OPENED AND THE DATES CLOSED. LOOK AT THE LAST PAYMENT MADE ( STILL INCORRECT ... NO PAYMENT EVER MADE ) AND HOW LONG UNTIL THE ACCOUNTS WERE CLOSED ... 

Remove all private student loans, especially XXXX and XXXX ( and previous owning companies ), from all credit reporting agencies. Correct the last date of delinquency, as well ... there was never a payment made, and they stated that a payment was made, when they were trying to collect on accounts, which were too old to collect on, at the time that they report receiving a payment, etc ... furthermore proving their illegal activity. The accounts should have been removed off of my reports, before they stated that they received the last date of delinquency payment. No more collections should have been made, at that point. 

Thank You for Your Time, XXXX XXXX Original Message : To Whom It May Concern : ALL XXXX AND XXXX Accounts are too old for reporting to the credit bureau 's, according to federal guidelines. The date of delinquency is incorrect ; no proof of payment made has ever been provided. The accounts were never paid on, before XXXX acquired them from XXXX, and before XXXX acquired them, when they were with previous owning companies. 

Please, remove these from my credit reports ; I have tried, and it's becoming a legal matter. 

Thank You for Your Time, XXXX XXXX XXXX-XXXX-XXXX  XXXX  XXXX-XXXX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas 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 2019-06-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WILLOW BEND MORTGAGE
State: TX

Complaint narrative:
I started my loan application in XX/XX/2019 with a company called XXXX XXXX. They transferred to Willow bend mortgage during the loan process on my file. The entire process was not professional and it took me calling the main contact XXXX XXXX XXXX times without no response back A WEEK BEFORE CLOSING. XXXX XXXX, loan officer and XXXX XXXX, neither of them gave me the decency to talk to me about my loan. They did not care about what I was going thru because of their non communication. I had to find the name of willow bend mortgage on the internet and realized that XXXX XXXX is not even affiliated with them which made me even more confused. Finally I was able to talk to the operations director XXXX XXXX and she had the time to talk to me to help me - sad nobody else could help me to answer my questions!!!!!! and ended up closing the loan and I closed on it last week. I have never been so disgusted in my life of how this company treated me in the merging of companies. Not only am I at risk for loosing my job from missing days fro. Work thinking I would be closing but the stress this has caused for me and my family is something that has LITERALLY scarred me. People need to be aware of this. The breakdown I had from this has pushed me into a XXXX. All because I wanted my own dream home. Never again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I have five years of credit history and when I apply for financing for a motorcycle recently it shows on equifax I have no credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Please remove any and all fruad alerts from my credit files and name immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Please remove any and all fruad alerts from my credit files and name immediately.

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 2019-06-09 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: Fidelity National Information Services, Inc. (FNIS)
State: HI

Complaint narrative:
Back on XX/XX/XXXX I recieved my report from the company ChexSystems. On this report I discovered many errors, 23 to be exact. Some of the errors were with inaccurate names and addresses they were reporting, some were with the companies they have listed as inquiries, companies that I've never even heard of let alone gave my permission to. And there were also several errors in a section titled " Additional Information '' where they're inaccurately reporting things like liens, property owned and evictions on me that are down right FALSE, they are lies. 
So on XX/XX/XXXX I wrote them a highly detailed dispute letter going over each and every item that was being inaccurately reported on me. Then on XX/XX/XXXX I received another report from them in reply to my dispute letter and all but 3 things ( company inquireries ) still remain on my report. They claim " XXXX '' told them the information was accurate therefore its remaining on my report. They gave no validation whatso ever on this information they're reporting on me. They are a consumer reporting agency and must act within the laws set forth in the FCRA, but they ARE NOT. I clearly stated to them in my dispute letter that I was requesting full and legal validation on the disputed information as well as exercising my right to the removal of any and all items they can not provide legal validation on to me. They refused to provide me with any validation and also refused to remove this inaccurate information. Nor would they give me the oppertunity to make a statement for record on their report, they've denied me of all my rights, and are breaking the law.

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 2019-06-09 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:
In 2018 I suffered a XXXX XXXX and was in the care of a family member which required me to leave my residence and move in with my sister at her residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-09 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: CA

Complaint narrative:
In 2018 I suffered a debilitating illness and was in the care of a family member which required me to leave my residence and move in with my sister at her residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, NV XXXX, XXXX XXXX XXXX, XXXX XXXX and 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 2019-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I mail a certified signature letter on XX/XX/XXXX regarding Santander Consumer to alleged validate the debt I owe, request a Auction Sale Receipt and XXXX. Santander received it on XX/XX/XXXX sign by XXXX XXXX. You clearly stated you received a letter on XXXX XXXX. Which is incorrect and misleading. The return receipt, a copy of which I enclosed, was signed on ( XX/XX/XXXX ) by XXXX XXXX. So how did you receive a dispute letter on XX/XX/XXXX when I have proof of it being sign on XX/XX/XXXX by XXXX XXXX? You stated you took repossession of the vehicle at on XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX, GA XXXX where I live. So how is mail going to XXXX XXXX XXXX XXXX XXXX, GA XXXX?, when clearly thats not where I lived nor never live. Georgia Code Section 10-1-36, The lender must notify you of your rights to redeem the car within 10 days of repossession which Santander Consumer USA failed to do. Never send anything certified mail of date, time and location of sale to my address at XXXX XXXX XXXX XXXX XXXX, GA XXXX where the repossession took place. Santander Consumer USA failed to send required notices, follow certain GA rules so my attorneys will be sueing company for damages. More than thirty days have passed, and I have not yet received proof that you have validated the debt, or send original copy of Auction Sale Receipt and XXXX. Please be advised that by law your company is required to respond to my request within 30 days. Today is XX/XX/XXXX and havent received a validation of the debt you say I owe, Auction Sale Receipt and XXXX. Your company has failed to follow such guidelines and is in violation of the Fair Credit Reporting Act and may be reported and investigated under these circumstances. Therefore, in accordance with s.1629e ( 8 ) of the Debt Collection Practices Act, which clearly states that any information known to be false, inaccurate can not be reported to any credit bureau , I request that you immediately delete this information from my credit report on XXXX , XXXX   and XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09 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: OK

Complaint narrative:
Transunion reporting company has violated my rights under the FRCA rule for investigating, communicating results and method of verification making them in violation of reporting information that according to the FCRA must be verifiable with the original creditor and any investigation name date and method of verification should be forwarded to myself for further investigation if necessary. I have requested this be looked into three times that last was on XX/XX/2019 and supporting documentation was also sent with the same results, XXXX and XXXX has already removed XXXX XXXX from my credit with my supporting documents.

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 2019-06-09 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:
Accounts That Dont Belong To Me : XXXX, XXXX. 
XXXX Experian - XXXX XXXX XXXX | XX/XX/XXXX | {$220.00} XXXX - 11 XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX | {$220.00} Hard Inquiries : XXXX - XXXX XX/XX/XXXX XX/XX/XXXX Banks and S & Ls XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX - XXXX XX/XX/XXXX XX/XX/XXXX Finance, personal XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX - XXXX XX/XX/XXXX XXXX XXXX, XXXX Finance, personal XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX - XXXX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX - XXXX/XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX - XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Telephone Companies None provided - XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Telephone Companies None provided

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 2019-06-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: DISCOVER BANK
State: TN

Complaint narrative:
This company has been deceptive from the beginning. no full disclosure, somehow knows confidential information. XX/XX/XXXX ... ... requested documents ... ... .. XX/XX/XXXX sent follow up ... .... Someone called and indicated we spoke on the XXXX after the XXXX ... ... .... Multiple phone calls after cease and desist verbage. XX/XX/XXXX spoke with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09 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: Fidelity National Information Services, Inc. (FNIS)
State: UT

Complaint narrative:
I was checking my XXXX report and none of those inquiries belong to me. I need to get this removed since this is affecting my ability to get a house loan and even open a checking account under my name. I need assistance with this as soon as possible.

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 2019-06-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: CA

Complaint narrative:
XXXX XXXX I was XXXX at the XXXX XXXX XXXX XXXX  XXXX, XXXX , CA XXXX. The home of XXXX XXXX and his elderly mother. The XXXX refused to let me take my purse or wallet with me when I was taken out of the residence and to XXXX. I spoke with XXXX XXXX from XXXX, I had him check my direct deposit balance arround the first of XXXX. He told me I had no pending deposits and that I had been cut off my benefits because I was in XXXX. I told him to leave my card in my wallet, in my purse and leave them with my landlord were theyd be safe. He gave my landlord my purse but my landlord didnt check for the card. Mr. XXXX assured me my direct deposit card was in my wallet, in my purse at my landlords. XXXX XXXX did not tell me that I was in fact getting direct deposits and he was receiving, collecting and spending them. I was XXXX XX/XX/XXXX. Within 2 days I located my card and called it. He spent over XXXX $ and caused me an over payment. He had my social security card, drivers liscence and many other personal identifying documents for several months. He also had my laptop giving him access to more identifying personal information. Im now receiving emails about credit and loan requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09 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: Innovis
State: FL

Complaint narrative:
I am reporting Innovis for violating the F.T.C. Fair Debt Reporting Act.title 623.In case # XXXX date XX/XX/2019 stated that my accounts on my credit report did not have any balances or past credit history on them.The following accounts with their ending account hold balances and all of them have status as charge off accounts is as follows ; XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX-balance {$650.00}. XXXX # XXXX-balance $ XXXX.XXXX # XXXX-balance $ XXXX.XXXX # XXXX-balance {$600.00}. have not done anything said that their would do.please correct this.you have the 1099-c forms on all those above account please do what you told the C.F.P.B. you said you would do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09 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: SC

Complaint narrative:
I have contacted Experian explaining that I am a victim of identity theft and I have no knowledge of the following accounts. I have provided a police report as well as an identity theft report & they continue to report inaccurate information on my credit report. These accounts do not belong to me XXXX XXXX XXXX, XXXX XXXX XXXX, and two accounts XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX, and XXXX XXXX. There are address information that I also explained that I never live there XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX. There is also inquires from things I have never applied for or gave anyone permission to look at my credit report for these companies XXXX, XXXX/XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX/XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
My mortgage company ( mr cooper ) served me with foreclosure papers after i filed for a modification through XXXX XXXX. They also sent the XXXX papers to my stepson mother and my other stepson. This has my personal & financial info and they arent listed on my mortgage so is it legal for Mr Cooper to send my info to other parties and how can they foreclose in the middle if a modification that hasn't been settled yet? Please advise if both matters are legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: FL

Complaint narrative:
The two accounts that I disputed earlier remain on my report. I told XXXX that the account does not belong to me and needed to be removed from my account. 
After XXXX 's investigation the accounts still remain and are having a negative impact on my credit score. 
I have never done business with either one of these companys. 
I requested in my dispute for these companys to provide written documents, contracts and or anything with my signature on it disputing otherwise. 
I know that was not done, because those documents dont exist. 
But yet the items were not removed from my account and cont to have a negative impact on my credit report and score. 
This process has failed if all XXXX does is ask the said companys if the account is mine, then they say yes cause its in there best interest. 
Then XXXX takes there word for it with out any written proof. 
And tell the customer the dispute is over just to get a 30 day result. 
This is not fair. I feel cheated. 
These are not my accounts, I said that before and like I also said. 
There is no written contract or anything that says otherwise I just ask for a through investigation and written proof that was used to link me to these accounts. 
Because I guarantee that there is none. 

Thank you

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 2019-06-09 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:
Transunion, today XX/XX/XXXX XXXX I was checking my XXXX XXXX Report I see account that should not be reporting because alleged account owners do not own accounts letter enclosed, also XXXX account is reported twice stolen card fraud was reported remove these account that you are double reporting on my credit report a very big violation and of my rights, also you show account that claim in collection { meaning the companies you are reporting dont own the account remove those to. IM SURE YOU DONT WANT TO GET CAUGHT UP IN CREDIT MANIPLATING IN A COURT CASE

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