vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-06 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: PA

Complaint narrative:
Experian failed to block and remove fraudulently furnished information from identity theft with XXXX XXXX XXXX XXXX. I did not consent to disclosure of my nonpublic information to any non affiliated third party. The consumer reporting agency failed to conduct a reasonable investigation into this matter. As a result of their negligence, this has caused restraint of trade of commerce. I have reasonable cause to believe I have been extorted and the fraudulent furnishing of this alleged debt was meant to cause me duress by ruining my consumer reputation. I revoke any alleged contract or agreement, whether implied or complicit that I may have been induced into due to undue influence.

TILA, GLBA, FDCPA, False Claims Act, Sherman Antitrust Act, Clayton Antitrust Act, Robinson-Patman, Fair Trade Commission Act, and the RICO Act.

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 2022-09-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
He had a XXXX XXXX XXXX model car which had a cost of {$16000.00}, he had been paying for it for approximately 3 years without any problems. This year, in the month of XXXX, I called so that they could make an adjustment in my payment, they said that it would be possible, but in the month of XXXX, they repossessed the car. Situation that I really did not understand because they had reached an agreement with me. They tell me that I have until XX/XX/XXXX to refinance the car or pay the amount I owed. When I called and paid for the car they told me that it was no longer possible because it was bad communication with me and it had to be a day before. They accept that they were wrong but there was no remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: KS

Complaint narrative:
This company has fraudulently placed an item on my credit report. I have never had a credit card or signed card with XXXX XXXX. It is identity theft.

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 2022-09-06 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: KS

Complaint narrative:
This company has fraudulently placed an item on my credit report. I have never had a credit card or signed card with XXXX XXXX. It is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: KS

Complaint narrative:
This company has fraudulently placed an item on my credit report. I have never had a credit card or signed card with XXXX XXXX. It is identity theft.

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 2022-09-06 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: MA

Complaint narrative:
So i sent a letter off on XXXX XXXX. Here is my tracking numbers : XXXX : XXXX Experian : XXXX XXXX  : XXXX To remove personal information that I don't not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. These are clear violations of my federally protected consumer rights.

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 2022-09-06 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: MI

Complaint narrative:
Hello! 

I am not happy with Transunion. I sent a letter to open an investigation back in XXXX of 2022. Transunion then sent a letter back with results that said " updated '' along with a credit report.This means that they started and completed the investigation. I know the information is reporting inaccurately and I also know my rights. So I followed up with a letter requesting their method of verification, asking them to properly state HOW they verified this information. 

They then responded with a letter stating that they didn't believe I was the individual to send in the letter. 

My question is, if Transunion didn't believe that I sent the letter, then why did they start the initial investigation? They believed it was me the first time so what changed? I know my rights. I have the right to request an investigation and ask HOW they came to verify the information. 

I have attached several documents for reference. 

I also have reason to believe that they are reporting this information innacuratly on my credit report which is also an issue. 

I demand to know how Transunion verified this information well enough to " update ''. If not, I demand that this information be deleted from my credit report. I have given them ample time.

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 2022-09-06 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: BARCLAYS BANK DELAWARE
State: KS

Complaint narrative:
This company has fraudulently placed an item on my credit report. I have never had a credit card or signed card with Barclays Bank. It is identity theft.

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 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Tried to log into my Experian Credit Bureau account, but was not successful. I tried to change my password and user i.d., but no luck. This process required me to provide my SSN and birthdate, but when I did, a message stated that these did not match. When I typed in my user i.d . or my e-mail address, it said there was no record of my user i.d ( e-mail address ). I had no luck contacting a real person by phone, except an operator who instead of connecting me with a real person, instead connected me to the same recording I got using the phone number listed on their web site. I sent a written letter on two occasions via USPS, one certified for which a got an acknowlgement of receipt, but no further action other than an e-mail asking me to rate their customer service, which of course I gave them a big fat ZERO. I previously had an issue with my e-mail which my ISP, XXXX XXXX, said had been compromised. My concern is that some hacker is using my Experian account for some fraudulent purpose, and Experian will do nothing about it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Early Warning Services, LLC
State: MD

Complaint narrative:
I have found my access to Zelle has been permenately restricted. I have been speaking back and forth since 4 days starting on XXXX until today XX/XX/2022. I have spoke with several members of Zelle, Early Warning Systems, and XXXX XXXX XXXX XXXX. I haven given he run around since. I have asked for documentation several times and none have been provided. This information has been asked from XXXX, Zelle. Early warning services. XXXX explained to tell me there's nothing that can be done to help me, they didn't place the restrictions. Zelle has explained to me not their responsibility. Early Warning Services explained they don't have any information for me. I have done nothing against money transfers, banking guidelines. I still have not received any valid response from either party. I am just asking for something in writing. How can my account be restricted permanent with no valid response. 
This is so darn unfair as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: ME

Complaint narrative:
I have been trying to remove fraud alerts and statements from both my Equifax and XXXX credit reports and I haven't been able to. I would like to delete all fraud alerts and statements from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: FL

Complaint narrative:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

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 2022-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Following the price appreciation in home values over the past couple of years, i contact PHH Mortgage to request removal of PMI on my mortgage. I followed the instructions on the PMI removal process notice i received from PHH in XX/XX/2022. I paid the PMI removal process fee of {$150.00} on XX/XX/2022 and I have since been waiting on PHH to complete this process. 

My property is has way over 20 % equity based on any leading property site estimator or comps from recent sales in my subdivision. 

Despite numerous communications with this servicer, my request to remove the PMI has not been processed since my payment to get the process started in XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
I have been trying to remove fraud alerts and statements from both my XXXX and Transunion credit reports and I haven't been able to. I would like to delete all fraud alerts and statements from my credit reports

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 2022-09-06 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: NV

Complaint narrative:
I was an authorized user on my mother 's XXXX credit card. She passed away in XXXX of 2022. The account is being reported on my credit report with late payments. I have written letters to the credit bureaus in XXXX, XXXX, XXXX, XXXX, and the beginning of XX/XX/ 2022 requesting the account and the late payments be removed from my credit report. I have not received a response from the credit bureaus. This account was not mine. The account and late payments are hurting my credit score.

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 2022-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
Received a letter from XXXX XXXX XXXX stating that I had debt to them. Investigated the credit reporting agencies and found that there were false phone numbers and a false address in my accounts, and collections reports from Credence Resource Mana ( not XXXX XXXX ). The false address I saw was in my reports was in XXXX XXXX, Texas. XXXX did not show me my phone numbers and only reported three addresses, two were actual former addresses in AZ and the other one my current one. I called XXXX as they are listed as a debt on XXXX, but based upon my social security number, they said that they had closed my account and that I would have to deal with the current owner of the debt. Based on they're knowing my social security number, despite me never being a customer, it is reasonable to conclude that my social security number is compromised. I am on a family plan with XXXX XXXX XXXX, and that account is and has been in good standing with {$0.00} owed. Credit Resource Mana claims that there is a debt to XXXX XXXX XXXX for which they are collecting. Lastly Credit Resource Mana is collecting over {$3000.00} for XXXX XXXX There is another collection from XXXX XXXX XXXX XXXX They are looking for {$270.00} for an apartment called XXXX XXXX XXXX. I looked apartment up and called them, leaving a message to notify them of the likely fraud perpetrated. I will try to file a police report in the city where the apartment is located in Texas as most of the activity seems to have addresses in Texas.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06 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: NC

Complaint narrative:
Recently I have noticed some incorrect information on my credit report. I have reached out to Experian, XXXX, and XXXX for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.

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 2022-09-06 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: EQUIFAX, INC.
State: IL

Complaint narrative:
There are numerous problems with my credit reports and I am including a letter to descibe all of them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Eagle Accounts Group, Inc.
State: MO

Complaint narrative:
Continue to send correspondence with debt collection symbol and conspicuously threatening to report to CRA which is harassment and abuse. They have also reported alleged debt to XXXX which is defamation of character and has resulted in XXXX showing a derogatory mark when debt is no longer being collected by original creditor of XXXX XXXX as confirmed by them. The alleged debt amount being collected is XXXX dollars and this is not accurate.

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 2022-09-06 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: IL

Complaint narrative:
I have been disputing two accounts on my credit report that do not belong to me. I have been disputing both accounts with all three bureaus as well as the two reporting creditors with no response to my request. These account do not belong to me, and I have been disputing them for more then a year. I want these accounts removed from my credit report asap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I did not consent to disclosure of my nonpublic personal information to any non affiliated third party. The consumer reporting agencies have failed to conduct a reasonable investigation into this matter. As a result of their negligence, this has caused a restraint of trade and commerce. I have reasonable cause to believe I am being extorted and the fraudulent furnishing of this alleged debt was meant to cause me duress by ruining my consumer report reputation. I revoke any alleged contract or agreement, whether implied or explicit, that I may have been induced into due to undue influence. 

TILA, GLBA, FDCPA, False Claims Act, Sherman Antitrust Act, Clayton Antitrust Act, Robinson-Patman, Fair Trade Commission Act, and the RICO Act.

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 2022-09-06 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I did not consent to disclosure of my nonpublic personal information to any non affiliated third party. The consumer reporting agencies have failed to conduct a reasonable investigation into this matter. As a result of their negligence, this has caused a restraint of trade and commerce. I have reasonable cause to believe I am being extorted and the fraudulent furnishing of this alleged debt was meant to cause me duress by ruining my consumer report reputation. I revoke any alleged contract or agreement, whether implied or explicit, that I may have been induced into due to undue influence. 

TILA, GLBA, FDCPA, False Claims Act, Sherman Antitrust Act, Clayton Antitrust Act, Robinson-Patman, Fair Trade Commission Act, and the RICO Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: NC

Complaint narrative:
Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, Transunion, and XXXX for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.

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 2022-09-06 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: NC

Complaint narrative:
Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, XXXX, and Equifax for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: FL

Complaint narrative:
A Utility company in Texas is reporting a nonpayment for service, I live In XXXX, Florida, not in Texas, After I talk to that company XXXX XXXX, the rep ask me to contact the credit bureau to dispute the fraud., after started the process, XXXX outcome is that the account is verified and accurate, now I have on my record an account of charge off already of 2 months that don't belong to me.

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