vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-29 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Inaccurate and defamatory information is being reported on my credit report. I have made several attempts to contact this company to update my credit report by deleting all negative unverified and inaccurate information from my file. My first letter was signed and received by them on XX/XX/XXXX. Although they signed for my letter, I received no response stating how this information was verified. I then mailed a second letter mentioning the non-response, ( signed and received on XX/XX/XXXX ), asking them to prove to me how this was verified. I have yet to receive a response. I contacted all of the collectors listed on my report requesting them to Validate this erroneous information. Again, I received no response. If I personally haven't received a response as the person who 'owes ' the debt, I'm highly doubt they were able to prove it to the bureaus. I have given well over the original 30 days to respond regarding my dispute verification with no proof in sight. How is it possible for them to continue reporting clearly unverified, invalidated, and inaccurate information to 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 non-monetary relief
Consumer complaint received 2022-11-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
We had a XXXX XXXX XXXX XXXX XX/XX/XXXX. We reaffirmed the 1st mortgage ( XXXX XXXX  ) and included the 2nd mortgage ( US Bank ). Case # XXXX On XX/XX/XXXX we received a Notice of Foreclosure from Attorneys for US Bank The XXXX Case # XXXX - ( XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX ). 

We have an attorney assisting : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, OH. XXXX T. ( XXXX ) XXXX EMAIL XXXX We have the ability to pay the balance of the 2nd mortgage ( approximately {$85000.00} ) and have attempted to ger a payoff from US Bank. This has been going on since XX/XX/XXXX We also have been approved for a cash out mortgage to pay the US Bank XXXX. We informed our Loan Officer, ( XXXX XXXX XXXX # XXXX ) of all of this before we made our application. He assured us he had discussed our situation with a US Bank underwriter and that there would be no problem. However, it became apparent he did not discuss our situation with and underwriter and we were told it was declined because US Bank had filed the foreclosure. 

XXXX  # XXXX We have had no success getting a contact to get this to a resolution. We have contacted the Consumer Loan Dept. They service the HELOCs, as well as loss mitigation. 

The contacts we have made will not supply a phone extension nor last name. 

We requested " Assistance '' and were given a link that required us to complete a Credit Application. We submitted this an 14 days later received a packet with a request to complete the application we had just completed. 

The bank has a full Residential Mortgage Application with an appraisal ( XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX # XXXX ) - Mortgage Application # XXXX We were assigned a Case Manager, XXXX XXXX ( XXXX ext. XXXX ) on Friday XX/XX/XXXX ). We have called 4 to 5 times per day on Friday XX/XX/XXXX, Monday XX/XX/XXXX and Tuesday XX/XX/XXXX. The case Manager has never answered and we are told that " anyone can assist us. '' None have been able to and eventually we are transferred to " Customer Service '' who then transfers us back to Loss Mitigation.

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 2022-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Previous complaint filed XX/XX/XXXX and closed due to company response. Wells Fargo sent me a transaction report to verify that funds for a balance transfer were sent to XXXX XXXX back in XX/XX/XXXX. This report was sent to XXXX XXXX as they are stating they have no record of the payment from Wells Fargo. XXXX XXXX now states that the report is not the electronic funds transfer report that they need and it does not state that the transaction was received by XXXX XXXX. XXXX XXXX XXXX, their payment team can not find a payment of the amount of the balance transfer, {$5600.00}, on or around the date it was supposedly sent. XXXX XXXX states that since the report from Wells Fargo shows no proof of receipt by XXXX XXXX, it is possible that the transaction did not go through. Wells Fargo will not provide proof that the payment was received by XXXX XXXX. I am still left paying the same balance on both cards. Neither company is providing further options.

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 2022-11-29 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Inaccurate and defamatory information is being reported on my credit report. I have made several attempts to contact this company to update my credit report by deleting all negative unverified and inaccurate information from my file. My first letter was signed and received by them on XX/XX/XXXX. Although they signed for my letter, I received no response stating how this information was verified. I then mailed a second letter mentioning the non-response, ( signed and received on XX/XX/XXXX ), asking them to prove to me how this was verified. I have yet to receive a response. I contacted all of the collectors listed on my report requesting them to Validate this erroneous information. Again, I received no response. If I personally haven't received a response as the person who 'owes ' the debt, I'm highly doubt they were able to prove it to the bureaus. I have given well over the original 30 days to respond regarding my dispute verification with no proof in sight. How is it possible for them to continue reporting clearly unverified, invalidated, and inaccurate information to my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Duvera Billing Services, LLC
State: IL

Complaint narrative:
This company gives you option of auto pay or paying manually. I pay manually because often times my pay days are not aligned with their pay schedule. Just this month, they took a payment from my checking account for a payment I did not authorize. I called them the same day and asked them why did they do this when clearly my account is NOT on auto pay. They said its in their contact that they can do what they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: IN

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 2 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/ 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 2022-11-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I have had a long history of a credit score of XXXX. After I took out a car loan with XXXX for 48 months I paid it off in 18 months. I made all payment well in advance of due date. 
The loan was paid off over a year ago yet XXXX Credit Bureau continues to carry my score at XXXX with a sub note that says they have no current information. I have not checked the other credit reporting companies but I expect to obtain a score of XXXX due to the fact that I have paid off the one obligation that dropped my score. XXXX has on their records that the loan was paid off over a year ago ( XXXX balance ). 

I paid cash for my house with no other loans outstanding and pay all of my credit card bills in advance. Balances have always been about the same yet the score has never been changed from XXXX. 

I talked with a XXXX rep and got nowhere except to contact this agency. Please forward to ALL credit unions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I have had a long history of a credit score of XXXX. After I took out a car loan with XXXX for 48 months I paid it off in 18 months. I made all payment well in advance of due date. 
The loan was paid off over a year ago yet XXXX Credit Bureau continues to carry my score at XXXX with a sub note that says they have no current information. I have not checked the other credit reporting companies but I expect to obtain a score of XXXX due to the fact that I have paid off the one obligation that dropped my score. XXXX has on their records that the loan was paid off over a year ago ( XXXX balance ). 

I paid cash for my house with no other loans outstanding and pay all of my credit card bills in advance. Balances have always been about the same yet the score has never been changed from XXXX. 

I talked with a XXXX rep and got nowhere except to contact this agency. Please forward to ALL credit unions.

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 2022-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amt : {$25000.00}, XXXXXXXX XXXX XXXX XXXX XXXX : # XXXX Amt : {$18000.00}, XXXX XXXX XXXX XXXX  : # XXXX XXXX : {$2500.00}, XXXX XXXX : # XXXX XXXX : {$200.00}, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following companies XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX have violated my rights. 

15 U.S.C 1681 section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: DISCOVER BANK
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following companies XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX have violated my rights. 

15 U.S.C 1681 section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: GA

Complaint narrative:
On XX/XX/XXXX I was called on phone by XXXX XXXX  regarding a debt ( XXXX ) I did not know existed to the apartment complex I moved from in XXXX ( XXXX XXXX XXXX  ). XXXX XXXX XXXXep stated they had sent me emails and had called previously. I never saw the emails in my inbox or spam folder. If they left a message on my phone I never heard it. As I found out later the apartment complex gave them the wrong phone number. ( see conversation I had on XXXX XXXX chat ) ============================================= We have been trying to reach you since XXXX  to the phone number given by the creditor XXXX  and we have sent emails to XXXX me XXXXXXXX XXXX that is not my phone number me XXXX XXXX my phone number is XXXX me XXXX XXXX i swear nothing was in my email inbox at that address =============================================== This whole problem originated by XXXX in XXXX being totally unorganized with the move out process. The portal access to my account was closed immediately and I was never sent my final bill, deposit due back or anything. Not by phone, email or mail. They had all my forwarding info. 

My whole point now it this debt has been paid in full as of today XX/XX/XXXX and this collection should never be sent to the credit companies ruining my perfect credit for 7 years. 

XXXX XXXX representative stated they have not sent to credit companies yet but I want to make sure they do not. See communication on chat below : ================================================ This account has not been reported to any credit bureaus by XXXX XXXX  as of today. As long as the account reaches a {$0.00} balance by XX/XX/XXXX, this will NOT be reported by XXXX XXXX. If you set up a payment plan that extends past XXXX whatever the remaining balance is, could be reported to all three credit reports. Once your account reaches {$0.00} balance, if any credit bureaus were notified of this account, we will advise them to update accordingly. It can take them an additional 30-60 days to update that information. 
================================================ So, I think I'm ok but want reassurance my credit will not be affected. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: EdFinancial Services
State: MD

Complaint narrative:
I applied for student loan forgiveness for 4 student loans. All 4 student loans were forgiven and paid in full in XX/XX/2022. XXXX is still reporting that my loans are still with an old servicer ( EdFinancial ) and that I still have a balance. This is incorrect information. I have letters from XXXX showing that my loans are paid in full. I also have a recent letter from XXXX stating that they have reported the updated information to XXXX, but XXXX refuses to update the status.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: AES/PHEAA
State: MD

Complaint narrative:
I applied for student loan forgiveness for 4 student loans. All 4 student loans were forgiven and paid in full in XX/XX/2022. XXXX is still reporting that my loans are still with an old servicer ( XXXX ) and that I still have a balance. This is incorrect information. I have letters from FedLoan showing that my loans are paid in full. I also have a recent letter from FedLoan stating that they have reported the updated information to XXXX, but XXXX refuses to update the status.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: SC

Complaint narrative:
I took a look at my credit report and noticed SEVERAL accounts that are collections, charge offs, opened and closed and none of these belong to me. The personal information was incorrect. There was two addresses used, XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX and XXXX XXXX XXXX XXXX SC XXXX that are not mine. There are employers that was incorrect, like XXXX XXXX 
There is a {$4700.00} amount on there for a auto loan that IS NOT MINE!!!!! 
There is a {$720.00} amount on there for a personal loan that IS NOT MINE!!! 
There is a {$1200.00} amount on there for a collection to XXXX XXXX XXXX  that IS NOT MINE!! 
There is several other things including inquires that I did not authorize or even have any recollection of. 
The freaking list goes on and on. 


I demand these be removed immediately!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: SC

Complaint narrative:
I took a look at my credit report and noticed SEVERAL accounts that are collections, charge offs, opened and closed and none of these belong to me. The personal information was incorrect. There was two addresses used, XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX and XXXX XXXX XXXX XXXX SC XXXX that are not mine. There are employers that was incorrect, like XXXX XXXX 
There is a {$4700.00} amount on there for a auto loan that IS NOT MINE!!!!! 
There is a {$720.00} amount on there for a personal loan that IS NOT MINE!!! 
There is a {$1200.00} amount on there for a collection to XXXX XXXX XXXX  that IS NOT MINE!! 
There is several other things including inquires that I did not authorize or even have any recollection of. 
The freaking list goes on and on. 


I demand these be removed 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 2022-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2022-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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
Consumer complaint received 2022-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation