vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-19 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: MI

Complaint narrative:
I have sent numerous letters to XXXX, XXXX and Equifax on XX/XX/2022, XX/XX/2022 and XX/XX/2022 about inaccurate credit reporting between the 3 agencies via certified mail. I have never received back any correspondence and the errors are still reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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: MI

Complaint narrative:
I have sent numerous letters to XXXX, Experian and XXXX on XX/XX/2022, XX/XX/2022 and XX/XX/2022 about inaccurate credit reporting between the 3 agencies via certified mail. I have never received back any correspondence and the errors are still reporting.

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 2022-08-19 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: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-08-19 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: MI

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-08-19 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: MD

Complaint narrative:
A credit inquiry from XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX was added to my credit report on XX/XX/2022. I suspect this was a result of Identity Theft Fraud. I attempted to get XXXX XXXX to investigate the matter but they only gave me instructions on how to send them proof of my identity.

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 2022-08-19 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: MI

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-08-19 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: MI

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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: FL

Complaint narrative:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such item

s of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 60
4 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions

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 2022-08-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: NY

Complaint narrative:
Good morning I received a reward from XXXX XXXX XXXX XXXX XXXX XXXX 
The amount was for {$9300.00}. The money was sent via wire to my lender United Wholesale Mortgage. United Wholesale mortgage has a servicer by the name of XXXX XXXX XXXX. The Reps at the XXXX stated that they verified all of my information prior to sending the wire to my lender. 

My lender has not been able to locate this wire from XXXX. 
I contacted the XXXX reps and asked them to give me a copy of the wire confirmation and the federal Reference number- this is what United Wholesale Mortgage has asked for to facilitate the process for the missing wire. This has taken 30 days. I am late on my mortgage and struggling- this reward was put in place by my XXXX. XXXX and it took me 8 months to get approved- only to have both sides XXXX and my mortgage company not be able to locate the wire!! 

I do not know who is at fault - I just want the wire for {$9300.00} to be found. 

I have waited long enough- I borrower money every month waiting to get caught up, so I am not 30 days late. 

I don't want to loss my home- I need this help that I was approved for. 

If needed I have all the documents I received from XXXX as I am approved and I have the letters from UWM stating that they can not locate the wire.

UWM needs to get the wire confirmation and federal reference number from XXXX- Please help UWM get what they need in order to locate my wire. 

XXXX is having a problem locating these documents to UWM. 

Thank you XXXX Bless you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: USCB Corporation
State: GA

Complaint narrative:
Being charge for something I didnt use or agree to use was doing a free trail for the company and now they charging me the full price for something I never completed!

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 2022-08-19 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: MI

Complaint narrative:
On XX/XX/XXXX I filed dispute regarding 30 day past due on credit report with XXXX XXXX back in XXXX. This was the only negative mark on a lease that terminated XXXX XXXX Credit reports for all three companies reported for myself and my wife that good standing and closed with no amount owed. I get email back from experian saying dispute is complete and we have owed XXXX XXXX XXXX $ for since we turned in the vehicle XX/XX/XXXX. We never received a notice after XXXX which was the wear/tear letter from them and paid them the XXXX owed. We have not received any phone calls, letters stating we owe money or collections. We have bought two cars and a house since then and nothing on our credit reports. When talking to XXXX XXXX they are stating that they always have reported this and all three credit reporting companies did not report it. They are demanding the XXXX, which I payed on XX/XX/XXXX to stop the hemorrhaging on our credit report. I am trying to get them to remove this from both mine and my credit report but they are saying federal laws says that they have to report this. I find it unethical that after 4 years without any contact that they can just claim we owe back money and put it on our credit reports. We moved three years ago and this was not on our credit. We have bought two cars and its not on our credit. 
XXXX XXXX stating they are going to do an audit to see what happened. 

I'm so upset as if we had known 4 years ago we would have paid it instead of it popping up on our credit report 4 years later. I am also filing complaint with State of Mi attorney general and XXXX Companies to report credit history correctly and if we had owed the money reported it correctly so we knew something was not right 4 years ago

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 2022-08-19 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: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I disputed {$250.00} charge with XXXX through my Bank of America credit card. I did not know why I was being charged the fee. When I found out I sent back damaged laptop. I asked that BOA credit me or wait until XXXX isdued credit but BOA refused to do so telling me I had to pay the fee otherwise I would be punished for late payment.

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 2022-08-19 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: NY

Complaint narrative:
I successfully paid the {$8400.00} to my XXXX XXXX credit card in XX/XX/XXXX ( the payment confirmation from XXXX XXXXXXXX is attached ) but XXXX XXXX wrongly missed the payment ( the payment activities from XXXX XXXX are attached ) and intentionally ignored all my disputes with that missed payment, and then wrongly added delinquency to my credit report. 
When I disputed the wrongly added delinquency with Equifax on XX/XX/XXXX, Equifax failed to meet its reinvestigation obligations and, on XX/XX/XXXX, sent me a letter without correcting this wrongly added delinquency ( the letter is attached ), even when I tried to contact them to correct the delinquency record after I received the letter, Equifax still had never conducted satisfactory reinvestigation and never tried to contact me to get more details about the payment disputes, and Equifax had never corrected that wrongly added delinquency record. 
On XX/XX/XXXX, I disputed this wrongly added delinquency with Equifax again, unfortunately, Equifax did not meet its reinvestigation obligations again, and on the same day, sent me another letter showing the disputed delinquency unchanged, without any satisfactory reinvestigation ( this letter is also attached here ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX I filed complaint # XXXX against Equifax regarding inaccurate information listed on my credit file and improperly investigating my disputes. In my complaint I listed the accounts that needed to be reinvestigated. I have made several attempts within the last 6 months to resolve this issue with Equifax. It has hindered me from a positive financial future. I recently called Equifax on ( XX/XX/XXXX ) and spoke with XXXX, a manager in the Consumer Affairs department and explained that I have filed a complaint regarding the accounts and issues Ive been dealing with. She advised me that she was aware of the complaint and advised me that I needed to file a FTC report to have my issue and complaint resolved. She advised me that upon sending in the FTC report the items would be deleted from my credit file. So I faxed my FTC report over to Equifax and called back to verify they received it. I then spoke with XXXX and he verified my identity by asking me to take a picture of myself as well as my license. He was able to see my CFPB complaint as well as my previous disputes and the FTC report I was told to send in by XXXX. I mentioned to XXXX that I had discovered some new information on my report that was unauthorized and had been newly added when Equifax received my CFPB complaint. I advised him of the conversation I had with XXXX about sending in the FTC report and having the items removed from my report! He agreed that she was correct and the items would be removed now that they have received the FTC report. I named all of the accounts that needed to be removed and XXXX advise that he was sending a request to have the items removed. He provided me with a confirmation # XXXX and reassured me that my disputes and CFPB complaint has been resolved but that confirmation number was only for the newly information that was added after Equifax received my CFPB complaint. Today I received notification from the CFPB to review Equifaxs response to my complaint. Equifax response was unfamiliar to me because the accounts that Equifax states that have deleted were never on my credit file, I didnt list these accounts in my complaint. Equifax didnt properly investigate my complaint or dispute but instead added a response belonging to another consumers complaint and credit file. My Equifax credit report still lists the inaccurate accounts I listed in my complaint, dispute and FTC report. Equifax has listed accounts belonging to another consumer and is misrepresenting these items as if they belong to me. Equifax is alleging that the items I disputed has been removed but their still listed on my report as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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