vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filled with every emotion! I am XXXX and sad at the same time! My initial response to the INACCURATE items on my credit report sent as stated in an earlier message on XX/XX/2020 and I also sent another letter ( demand to comply ) on XXXX which was 45 days letter from the initial letter I sent. Today is XX/XX/2020.. Commonly by law, you should react inside 30 days. During these troublesome occasions, all of you have been given an augmentation which I comprehend. In any case, it has been well over the expansion period given. I have exhorted you on in excess of 3 distinct events. I am beginning to accept this is a slow down strategy on you folks ' end. I interest your organization eliminate this blunder from my credit report or face suit. In the event that you don't eliminate this mistaken data promptly I will record a formal complete with the FEDERAL TRADE COMMISSION! I am staying aware of the entirety of my records and types of correspondence with you on this issue simply if there should be an occurrence of documenting a grievance with the FTC on the off chance that you keep on choosing not to coordinate. In Wenger v. Trans Union Corp., No 95-6445 ( C.D.Cal.Nov. 14, 1995 ), you will be considered liable for your choice not to not consent. My family and I are being compelled to pay higher loan fees and denied by numerous organizations when attempting to buy important necessities to get by during this troublesome financial period. In the event that your next reaction to me is definitely not a unique application with my mark on it or a letter expressing that the deceptive data that is disregarding the Fair Credit Reporting Act isn't erased I will proceed with my FTC protest. As shown by the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by government law to affirm, through the real check of the principal stamped purchaser contract, all records that you post on a credit report. Else anyone paying for your specifying organizations could fax, mail, or email in a bogus record. I interest to see obvious proof ( i.e. : an exceptional buyer contract with my imprint on it ) that you have on the archive for the record recorded underneath. Also I will be contacting the Attorney General to help me assist with this matter along with seeking litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
TransUnion has refused to correct entries in my credit report incorrectly stating that my XXXX XXXX MasterCard ( Account Number beginning XXXX XXXX XXXX ) is an " Adverse Account, '' with a " Maximum Delinquency of 30 days in XX/XX/XXXX. '' I had no such delinquency. I fully documented this fact in my original Complaint with the CFPB ( XXXX, directed to XXXX, and XXXX directed to TransUnion ). XXXX, after its investigation of my Complaint, acknowledged there was no delinquency. In its letter dated XX/XX/XXXX ( attached ), it stated the bank " asked the credit reporting agencies to remove the delinquency dated XX/XX/XXXX from [ my ] credit report. '' However, TransUnions letter dated XX/XX/XXXX ( attached ) responded in perfunctory, fill-in-the-blank standardized language, " The disputed item ( s ) was verified as accurate '' ( page 4 of 5 ). The credit reporting bureau refused to accept the results of the investigation by XXXX, the creditor here. XXXX is the sole source of information about whether or not a delinquency occurred in XX/XX/XXXX. TransUnion would have no information about this matter independently of XXXX XXXX records. XXXX concluded no delinquency occurred. Both TransUnion and XXXX are bound by XXXX 's representation. Indeed, no delinquency occurred and this improper refusal by TransUnion motivates this new Complaint and possible further legal action based on principles of estoppel. I respectfully request that the incorrect entries in my TransUnion report be corrected to show I have no delinquency for the account in question. TransUnion is the only credit reporting bureau to have made this reporting error. When it is removed from my report, my perfect credit payment history will thereby be restored.

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 2020-11-28 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: IL

Complaint narrative:
XXXX XXXX XXXX is reporting an inaccurate debt. Account number XXXX for {$4000.00} has been updated to my Experian credit report and is being reported as a collection on XX/XX/2016. The company has failed to provide me a valid copy of any agreement to this debt after several attempts. I dont own this debt and have not received any valid agreements showing my signature.

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 2020-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
MY BIRTH DATE IS REPORTED WRONG And the 2 previous addresses should not be listed I never lived there

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Just received a Notice of Default and Intent to Foreclose demanding a lump sum of money. The mortgage was transferred to them XX/XX/XXXX and they showed me 30 days late every month since and will not correct the credit report so we can't sell or refinance. I have lost several offers on the house and just found out we can refinance for 2.99 % and lower our payments but for this despicable company that is trying to steal our home and/or XXXX  us with all the harassment. We receive letters and threats every few days and always on Friday to wreck your weekend and always on holidays. My husband is a XXXX year old veteran with several medical conditions including XXXX ; and this company gave me an XXXX  and is interfering with me making a living and my jobs. I almost XXXX XXXX  every time I see a letter from them and/or do XXXX  XXXX  which is very painful for me since I have had XXXX XXXX. I can't believe you can't put them out of business and demand payment in full of our mortgages. I just mailed the XXXX payment on XX/XX/XXXX usps priority and they did not post it til XX/XX/XXXX so they could charge a late fee. How are you allowing them to remain in business. 
It also appears that this was triggered by your onboarding software, which I dispute as being legitimate and legal, and am requesting any and all information and details regarding the programming and software and what company or companies created it, are involved with it in any way, and whether they are a foreign company and have any affiliations with a foreign government. Specific details, names, addresses, dates, etc. 

I am attaching several exhibits.

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 2020-11-28 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: PA

Complaint narrative:
XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : Account paid and never late XXXX , Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : I have never been late XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : Account paid and never late XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Date : {$0.00}, Issue : Account paid and never late XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX , Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX , Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX  XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX/XXXX XXXX XXXX - XX/XX/XXXX , Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX  XXXX  XXXX XXXX  XXXX , Date : XX/XX/XXXX, Issue : The inquiry was not authorized

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 2020-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
TRANSUNION did not respond to disputed items on my credit report within the legally allowed 45 days. I submitted a complaint, they said they were still working on it, then they said they mailed it out XX/XX/14. I RECEIVED NOTHING, also no updated to credit report showing they looked into it. 

This action is against the law, they have 45 days.

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 2020-11-28 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: CITIBANK, N.A.
State: WI

Complaint narrative:
XXXX  has refused to correct entries in my credit report incorrectly stating that my CITI XXXX  XXXX XXXX Account Number beginning XXXX XXXX XXXX XXXX is an " Adverse Account, '' with a " Maximum Delinquency of 30 days in XX/XX/XXXX. '' I had no such delinquency. I fully documented this fact in my original Complaint with the CFPB ( XXXX, directed to Citibank, and XXXX directed to XXXX  XXXX. Citibank, after its investigation of my Complaint, acknowledged there was no delinquency. In its letter dated XX/XX/XXXX XXXX attached ), it stated the bank " asked the credit reporting agencies to remove the delinquency dated XX/XX/XXXX from [ my ] credit report. '' However, XXXX  letter dated XX/XX/XXXX XXXX attached ) responded in perfunctory, fill-in-the-blank standardized language, " The disputed item ( s ) was verified as accurate '' ( page 4 of 5 ). The credit reporting bureau refused to accept the results of the investigation by Citibank, the creditor here. Citibank is the sole source of information about whether or not a delinquency occurred in XX/XX/XXXX. TransUnion would have no information about this matter independently of Citibank 's records. Citibank concluded no delinquency occurred. Both XXXX  and Citibank are bound by Citibank 's representation. Indeed, no delinquency occurred and this improper refusal by XXXX  motivates this new Complaint and possible further legal action based on principles of estoppel. I respectfully request that the incorrect entries in my XXXX  report be corrected to show I have no delinquency for the account in question. XXXX  is the only credit reporting bureau to have made this reporting error. When it is removed from my report, my perfect credit payment history will thereby be restored.

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 2020-11-28 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: TX

Complaint narrative:
Hi, The credit bureaus have been misreporting my accounts on credit reports. 

I have started to dispute the bad information in it and I demand that you send me a response within the next 30 days of the status of my disputes and that they also correct / erase all errors in my 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 2020-11-28 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: PA

Complaint narrative:
XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : Account paid and never late XXXX XXXX Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : I have never been late XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : Account paid and never late XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Date : {$0.00}, Issue : Account paid and never late XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX/XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX  XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX/XXXX  XXXX XXXX  - XX/XX/XXXX XXXX Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX XXXX  XXXX  XXXX  XXXX XX/XX/XXXX XXXX Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX  - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Issue : The inquiry was not authorized

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 2020-11-28 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: PA

Complaint narrative:
XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : Account paid and never late XXXX XXXX Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : I have never been late XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : Account paid and never late XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Date : {$0.00}, Issue : Account paid and never late XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX/XXXX  - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX XXXX  XXXX  XXXX  XXXX XXXX XX/XX/XXXX XXXX Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX  XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX/XXXX  XXXX XXXX  - XX/XX/XXXX XXXX Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Issue : The inquiry was not authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 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: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
I took out a flex loan in 2017 and was unable to pay the loan back and I instructed the bank to stop payment Because there was no money in the account and Advance Financial kept trying to take money out when there was no money in the account and it was keeping me in the negative so I had the bank put a block on the charges and for two years it had been put on hold like I asked. Today out of the blue a charge is now pending for {$130.00}. I need to have this stopped again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 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: TN

Complaint narrative:
Two rounds of dispute letters were sent to remove the inaccurate account on my credit and i haven't received a response yet

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CUSTOMERS BANCORP, INC
State: CA

Complaint narrative:
I authorized a {$100.00} charge on a recorded line to XXXX  XXXX  XXXX  ( XXXX ) XXXX XXXX not only did they charge me {$150.00} as opposed to what I agreed to but refused to provide a refund when they were not capable of providing a service in the time that I needed and that originally said that they could fulfill resulting in me going with another company. I contacted customers bank for my XXXX  XXXX account that was charged. They have not gotten back to me regarding my dispute and I can't speak with a supervisor as my calls seem to always end up disconnected. I would like to be refunded my {$150.00} from 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 2020-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
never lived at the 2 previous addresses listed on my report see of explanation

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 2020-11-28 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I sent a letter on XX/XX/2020 in regards to inaccurate and unknown items on my credit report. It has been more than 60 days and I have not received a response. This is making me believe I am being ignored on my disputes. It is stated in Section 611 ( a ), that failure to investigate the items within 30 days gives the reason to delete the items from my credit report. As I stated above, it is over 60 days after so the items disputed should be deleted at once. I am requesting the disputed accounts be deleted or I will enforce my rights and pursue litigation and seek relief. My information was also impacted by the XXXX  data breach and might have got to the hands of the wrong people. Please I want to get this solved 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 2020-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Two rounds of dispute letters were sent to remove the inaccurate account on my credit and i haven't received a response yet

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 2020-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Two rounds of dispute letters were sent to remove the inaccurate account on my credit and i haven't received a response yet

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 2020-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase makes it difficult to verify your mortgage so they can try and sell you their own overpriced mortgage. Chase asked for updated mortgage information. We submitted in early XX/XX/2020. Then they asked us again. So our agent sent them the information on or around XX/XX/XXXX. They recorded the wrong amount so I sent in the information around XX/XX/XXXX. Now I received a letter on dated XX/XX/XXXX on XX/XX/XXXX stating that the property address listed on the insurance policy is for another one of our properties. I called the number on the letter and they told me to call their Mortgage insurance division. I called and held for 1 hour and no one ever came to the phone so I called back to the original number because it said if our records are incorrect call XXXX, which I had. The person this time said hold and the next thing I know they had sent me back to the Mortgage Insurance division, where I held again for 49 minutes and 32 seconds. This seems like an easy fix, but if they are trying to scam you and make you use their overpriced insurance.

Company response to consumer: Closed with explanation