vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-23 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX XXXXXXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax has ruined my reputation by illegally sharing my information and alleged accounts to affiliates and third parties. Im a federally protected consumer with rights and a righ to privacy that Equifax has breached pursuant to 15 USC 1681 ( a ) ( 4 ). Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device is considered an exclusion on a credit report. They have violated me numerous times. Theyve also violated my right to privacy pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ). Theyve reported factual information regarding my addresses, name, etc. Ive tried numerous of times to resolves these problems with no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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: OH

Complaint narrative:
I received a copy of my credit report and I am disputing some items that need to be deleted. The reason why these items should be deleted is due to I have not authorized the following accounts below. The Fair Credit Reporting Act Section 609 [ 15 USC 168Ig ] bureau should send me all application being denied according to the provision Section 612 ( b ) [ 15 USCj ( b ) ] meaning there should be no charge for this information. Accounts : XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX  # XXXX, XXXX XXXXXXXX XXXX # XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXXXXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I received a copy of my credit report and I am disputing some items that need to be deleted. The reason why these items should be deleted is due to I have not authorized the following accounts below. The Fair Credit Reporting Act Section XXXX [ 15 USC 168Ig ] bureau should send me all application being denied according to the provision Section 612 ( b ) [ 15 USCj ( b ) ] meaning there should be no charge for this information. Accounts : XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX, XXXX  XXXX # XXXX, XXXX # XXXX, XXXX  XXXX XXXX # XXXX XXXX XXXX # XXXX, XXXX  # XXXX, XXXX/XXXX  # XXXX, XXXX # 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 explanation
Consumer complaint received 2020-12-23 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
TransUnion will not let me get into my credit report online. It does not matter what I do, they know it's me and they will not let me into it. I have looked up online other reviewers that are having the same problem with all of the companies like XXXX  and XXXX. They also are keeping scores down when the person is doing everything right. People online that are having the same thing happening to them are feeling they are being targeted because of their political party. 
XXXX  has been lowering my FICO  score by 50 points and fluctuating it up and down when I have done nothing. I am well under 30 % and I pay off my credit cards each month. I have good credit and my other FICO   scores are atXX/XX/XXXX  or well over. For some reason, XXXX  continually tries to lower our scores. I have been told it is because of my political party. I just watched my FICO  drop 46 points down for zero reason and I am under 30 % debt to income. Are these people intentionally trying to ruin peoples credit so we can not rent or buy a mortgage or anything else? It sure seems like 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 non-monetary relief
Consumer complaint received 2020-12-23 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX  will not let me get into my credit report online. It does not matter what I do, they know it's me and they will not let me into it. I have looked up online other reviewers that are having the same problem with all of the companies like Experian and XXXX. They also are keeping scores down when the person is doing everything right. People online that are having the same thing happening to them are feeling they are being targeted because of their political party. 
Experian has been lowering my FICO score by 50 points and fluctuating it up and down when I have done nothing. I am well under 30 % and I pay off my credit cards each month. I have good credit and my other FICO scores are at XXXX  or well over. For some reason, Experian continually tries to lower our scores. I have been told it is because of my political party. I just watched my FICO drop XXXX points down for XXXX reason and I am under 30 % debt to income. Are these people intentionally trying to ruin peoples credit so we can not rent or buy a mortgage or anything else? It sure seems like 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 2020-12-23 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian has ruined my reputation by illegally sharing my information and alleged accounts to affiliates and third parties. Im a federally protected consumer and my rights to privacy have been violated pursuant to 15 USC 1681 ( a ) ( 4 ). Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device is considered an exclusion on a credit report. They have violated me numerous times. Theyve also violated my right to privacy pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ). Theyve reported factual information regarding my addresses, name, etc. Ive tried numerous of times to resolves these problems with no avail.

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 2020-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: TX

Complaint narrative:
I previously expressed to the Discover Executive Office that the payment was too high considering the balance is cut in half. So then I proceeded to log into Discover and make a request for XXXX XXXX  on XX/XX/XXXX. Never got a response to that request whatsoever. 

Today is XX/XX/XXXX and I logged in again to see if there was any response and there was nothing. So I clicked on message an agent and expressed the issue. My message : I sent a credit assistance request on XX/XX/XXXX ( it is still in my sent folder in the Discover messages ) and no one has replied at all. The Reply message : One of our 100 % US based customer service agents will be with you as soon as they can. Feel free to return anytime, your message history will be saved here. My Message : It looks like someone is typing. Are you there? The Reply Message : Hi, this is XXXX in XXXX XXXX XXXX, I appreciate you reaching out about this. I'm sorry to hear that you have not received a response. To make sure I best assist can you please clarify what type of assistance you are needing? My Message : the payment I can not do this month. I also realize that since I closed the account the deposit was applied to the balance so the payment minimum will be far lower next month ( 3 minutes go by ) My Message : Still there? The Reply Message : Thank you for reaching out to us! Our representatives are currently out of office. We are available Mon-Fri XXXX ET, Saturday XXXX XXXX, and Sunday XXXX ET or call us at XXXX. My messages : What happened to 24/7 customer service? I guess I will have to file a complaint with the Consumer Financial Protection Bureau since the previous agent simply ended the chat. Hello? That is extremely rude to not even respond directly! 

No one ever responded to me directly nor came back on the chat. First it said there is 24 hour US based customer service and then I am simply ignored after that with some generic message posted. The point of accessing the chat is because no one responded to my initial email through the discover website. NO, I can not call in so email and chats are my only option.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Conduent Incorporated
State: IN

Complaint narrative:
I have tried to transfer money from my card to my account many times but I keep getting this message cash credit client adjustment and they wont sent my money where I want it and Im tired of this for more than 2 weeks now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX  is a company that has given me a hard time for decades. I am a member of their data breach Class action lawsuit. 1st they did not even provide me a copy of my free credit until I contacted the CFPB. Which is and was highly suspect due to our history together. Which seems to be personal on their part. I am a XXXX veteran they have absolutely no respect or concern about that. The report my Military status date as recent and incorrect. They have ignored correspondence that I sent from XXXXXXXX XXXX XXXX. XXXX and XXXX papers sent by me from XXXX XXXX XXXX stating that the account in question can be removed due to my sever Military XXXX injuries, XXXX  and hospitalizations which caused the misunderstanding. They forgave me for my serving the country and they understood that my situation wasn't on purpose and unavoidable. XXXX  has refused to recognize. They know they haven't been fair with me that's why they didn't send me a free credit report until I contacted the CFPB. I am complaining about incorrect information on credit reports, shoddy investigations concerning my credit reports, refusal to provide a report until reported to CFPB, Refusal to recognise correspondence proving that said accounts were positive and if not to be removed immediately, Showing accounts in good standing as adverse that account being the XXXX XXXX  account that is paid as agreed, Reporting account said credit granter XXXX said could and should be removed due to XXXX Veteran Status and being positive until injuries and hospitalizations was sole reason for setback. And Treating the council wealthy persons as privileged and XXXX and low income as least important. I have but not yet decided upon contacting the Pennsylvania human relations commission for some type of discrimination due to my XXXX in the military. Please respond to my complaint any other information that's needed and references can be provided. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
I applied through a broker for a refinance of an existing mortgage on XX/XX/2020. The broker submitted an application to Caliber Home Loans , Inc., ID XXXX. XXXX # XXXX. 

I received notice of tentative approval with additional information requested. I supplied all the information that was asked for. I again received an approval acknowledgement. After about a month with no additional information about a closing date, I asked my broker to inquire why there was a delay and why I was not provided a closing date estimate. I was then informed that the loan was not approved and I would have to apply for an " investment '' type loan, even though I had provided evidence that the property was no longer being rented out, but a second home which I was currently occupying. I was charged a {$30.00} " pay off fee '' based on an inquiry by Caliber Home Loans to my current mortgage holder, as well as a {$70.00} fee for an XXXX umbrella insurance policy certificate. I also was charged {$500.00} for an appraisal, which now may be stale and useless for an alternative application. 


In summary my complaint is that Caliber Home Loans approved my application then delayed the final approval of my loan. They then required additional expenses on my part and then after my complaint about their delay, rejected my application. I meet all their requirements for approval and they stated such, then at the XXXX hour rejected my application. There were no changes in my application 's worthiness, they simply changed the rules. 


I have an exceptional credit score ; adequate income ; more than 50 % equity in the property being refinance ; and a more than adequate net worth - more than 13 times the amount of the requested loan. 


Caliber Home Loans has caused me needless expenses and considerable effort. They changed the rules at the last minute and have provided no explanations for their actions. I am requesting reimbursement for all fees that were incurred by myself as a result of requirements of Caliber Home Loans, Inc. Their deceptive actions with my application have resulted in unnecessary expense, effort, and loss of opportunity in refinancing my real property.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-23 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXXXXX  and the subsequent response received on XX/XX/XXXXXXXX  enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account.

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 2020-12-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Each time I have logged into my Experian account, I am greeted with a message that I am enrolled in a program called ExperianWorks and I never recall enrolling in such a program. There was no option to disenroll from this program, it was as if it was forced upon me. I tried several times to disenroll myself from this program but wasnt ' able to. Now, Experian has charged me XXXX for enrollment in this program that wasn't by my own volition and is preventing me from accessing my credit report and credit account until I have paid this charge. I feel that this is outright extortion by Experian for I have never enrolled in this program by my own volition. I have only used this credit card which they have stored as a payment for a single purchase of a credit report and Experian took that card and automatically enrolled me in a program which I do not desire to be enrolled in. I have attached the image that I am greeted with when I attempt to login to Experian to obtain my credit report and credit file. I am not allowed to access my credit report because they require me to make this payment for enrolled in a program I do not desire to be in, and have prevented me from disenrolling. 'thanks.

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 2020-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: McCarthy, Burgess & Wolff, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX To whom it may concern : I would like to file a complaint against XXXX collection agencies, a XXXX XXXX XXXX, XXXX, as well as a McCarthy, Burgess & Wolff. 

This McCarthy, Burgess & Wolff is claiming that they are collecting a debt for this XXXX XXXX XXXX, XXXX, in the amount of {$3900.00}. 

And I am writing to complain to your agency because I do not owe this debt that Im being charged. 

This collection company XXXX XXXX XXXX XXXX XXXX, has never contacted me in any way to verify if I knew of, or to find out if I owed this balance that Im being charged. And according to the attached letter, this debt came from XXXX XXXX  XXXX XXXX. 

In XXXX, I did have a XXXX credit card, and the creditor deceived me with the terms. When I first got the card it was supposed to be 0 percent interest for the first year, but that is not what XXXX XXXX XXXX XXXX did. 

After I had used the card, after 6 months they started charging me a high interest rate, when I wasnt supposed to be paying any interest at all, and I did complain about that at the time, and I had filed a complaint about the issue. 

The interest that they were charging me on the card, drove the balance up high, and I did pay the balance off in full at one point.

I had, had to have my card replaced at one point, but my balance never seemed accurate, I had always felt as though I was being over charged, I had called and discussed this with them over and over, and got nowhere. 

I have not had anything to do with XXXX XXXX XXXX XXXX XXXX for at least a year and a half, and they are making it look as though I have been doing business with them in XXXX, so as to add a fraudulent status date, and high balance owed onto my credit file, to destroy my credit. 

I did not run up any balance to {$3900.00}, from the statement that I was able to find, you can see that XXXX XXXX  XXXX XXXX has been adding over {$100.00} plus dollars in interest charges, and fees monthly to this credit card account that they have passed on to these collection agencies. 



I am disputing this debt, I do not owe anyone {$3900.00}, and before XXXX XXXX XXXX XXXX passed on this debt to any other person, or collection agency, they should have had the decency to notify me about the debt first. 

And worse, I have had no dealings with XXXX XXXX XXXX XXXX XXXX for least a year and a half, why would they want to place false fraudulent status date information onto my credit files showing as if I have an open account in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation