vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-15 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: MS

Complaint narrative:
on XX/XX/2020, I mailed a letter requesting verification of inaccurate accounts listed on my credit report. I never received a response. On XX/XX/2020, I sent another letter. it has been 6 months and I still haven't gotten a response and this inaccurate accounts are still on 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 explanation
Consumer complaint received 2020-11-15 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: MS

Complaint narrative:
XXXX  XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX  XXXX. XXXX  XXXX XXXX, TX XXXX TRANSUNION XXXX. XXXX  XXXX  XXXX, PA XXXX 1. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 

2. The following account is not mine U S DEPT OF ED/XXXX Account Number : XXXX Please remove it from my credit report. 
3. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report 4. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report 5. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report 6. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report 7. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report 8. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report 9. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report 10. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report I filed a dispute regarding my credit report. It has been well over thirty days. I still have not heard the results of their investigation.

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 2020-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
My credit score with XXXX XXXX, And XXXX  have gone done since Sequiem Asset Solutions has placed a debt with no attempt to inform me that it would be affecting my credit score, Under what law and I do need these companies to quote the law, does XXXX  and XXXX  and XXXX and sequiem sollutions have, in other words what gives them the legal right to keep placing a account in the credit reports? Please the law and its explanation not a blanket statment stating you mailed, XXXX  and XXXX and XXXX, can you guys please answer what legal right? I can not find it under fcra/

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
On XX/XX/2020 I mailed a letter requesting verification for inaccurate accounts listed on my credit report. I didn't receive a response so on XX/XX/2020 I mailed another letter. It has been 6 months and these inaccurate accounts are still showing on 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 explanation
Consumer complaint received 2020-11-15 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: MS

Complaint narrative:
on XX/XX/2020 i mailed a letter requesting verification of inaccurate accounts that are showing on my credit report. I never received a response. I mailed another letter on XX/XX/2020 but still havent gotten a response and it's been 6 months and these inaccurate accounts are still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
My card was used fraudulently. I have reported the fraud 3 times now and have received no type of investigation information or anything from Bank of American. I have been put on hold for hours numerous times and hung up on. I need this fraud properly investigation. I need information from the bank to file a police report and I cant even get a response from the bank

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 2020-11-15 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:
I need help understanding how experian and XXXX  and XXXX  just allow anyone to place a collection account under the credit score model in my name after this same creditor has been removed from my account several times, i need the law that allows these companies to do so

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 2020-11-15 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Children place has displayed wrong payment history and information on my credit report. Months have been paid and not paid on the history of the report that I have no ownership of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-15 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
On XX/XX/2020 i mailed a letter requesting verification of inaccurate accounts listed on my credit report. I didn't recieve a response so I mailed another letter on XX/XX/2020. Still no response so I mailed another letter on XX/XX/2020. Still no response. It's been 6 months total and these inaccurate accounts are still showing on 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 explanation
Consumer complaint received 2020-11-15 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: MS

Complaint narrative:
On XX/XX/2020 I mailed a letter requesting investigation of inaccurate accounts listed on my credit report. No response so I sent another letter on XX/XX/2020 and again on XX/XX/2020 but I still haven't received a response. These inaccurate accounts are still on 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 explanation
Consumer complaint received 2020-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: UT

Complaint narrative:
On XX/XX/2020 Capital Accounts add a derogatory mark ( Collection/Late payment ) on my credit report per XXXX  Credit report. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. In fact, I have never even lived at the address that was sent in collection. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it is mine. According to FCRA, Capital Accounts has violated my rights as a consumer and I am requesting legal action to remove this account 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 explanation
Consumer complaint received 2020-11-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Card was opened in my name as a result of identity theft. Informed company that account wasnt opened by me and is identity theft back in XXXX sent a copy of my police report but claim was never reviewed. I have been reaching out since XXXX and each time was told not reviewed will forward now. Was recently told account matches with my phone, email, mailing and checking account. Sent in documents to show those account were also opened under identity theft and have been cleared and closed. No response for additional documents proving this account is not mine. In addition I was not living in the state where the account was opened since 2015.

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 2020-11-15 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:
I need help understanding how XXXX  and transunion and XXXX  just allow anyone to place a collection account under the credit score model in my name after this same creditor has been removed from my account several times, i need the law that allows these companies to do so

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 2020-11-15 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:
I need help understanding how XXXX  and XXXX  and equifax just allow anyone to place a collection account under the credit score model in my name after this same creditor has been removed from my account several times, i need the law that allows these companies to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15 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: MS

Complaint narrative:
on XX/XX/2020 i sent a letter requesting investigation for inaccurate account showing on my credit report. I didnt receive a response so i sent another letter on XX/XX/2020. I still haven't received a response and those inaccurate unverified accounts are still on 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 explanation
Consumer complaint received 2020-11-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX  is reporting wrong address for me, which is fraud and identity theft. I never lived at XXXX XXXX XXXX XXXX XXXX XXXX California XXXX, I never lived at XXXX XXXX XXXX # XXXX XXXX California 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 2020-11-15 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: MS

Complaint narrative:
on XX/XX/2020 I mailed a letter requesting verification of inaccurate accounts found on my credit report. I didn't receive a reponse so I sent another letter on XX/XX/2020. I still have received a response and these inaccurate accounts are still showing on my credit report. It's been 3 months

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/18, my account through Capital One was closed and sent to collections. My dispute with XXXX  was over a debt reported with an incorrect balance. I was contacted by XXXX XXXX and I also disputed the accuracy of the balance directly. Both disputes were denied. I disputed the balance they have because the card maintained by the original creditor, Capitol One, was a secured card with a credit limit of {$200.00}. Capital One allowed a merchant XXXX XXXX XXXX XXXX ) to force debit authorization for an amount that should have been declined because the requested amount was way over my credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15 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: CT

Complaint narrative:
I have been contacting Equifax since XX/XX/2020 in regards to not having access to my.equifax account. I have performed a factory reset on my unit thinking the issue was my computer. I have reached out to my internet carrier and the issue is with Equifax. I last spoke with a representative on XX/XX/2020 she assisted me with doing a password reset. I was still not able to login. She then asked for my password so that she can login from her side, this information was given to the rep and she said that she would create a ticket for the blockage and that I would hear back from someone within 3 business days or be able to login to my account. I have not heard back from the company by any form of communication and still have not been able to login. I have information that is reporting incorrectly on my credit report and have to upload supporting documentation and do not have access to my account. Equifax is now demanding that I upgrade to a monthly paying subscription in order to view and make changes on my account. My information was compromised as a result of their data breach and now I can not access myequifax to view my free account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15 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: MS

Complaint narrative:
On XX/XX/2020 I mailed a letter requesting investigation for inaccurate accounts found on my credit report. I never received a response so I mailed a letter on XX/XX/2020 and XX/XX/2020. I still haven't received a response and these inaccurate accounts are still shwoing on 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 explanation
Consumer complaint received 2020-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/2020 I submitted a complaint to cfpb in regards to Experian reporting an inaccurate bankruptcy on my credit report. In Experian 's response that they mailed to me on XX/XX/2020 they stated that they verified the bankruptcy information with XXXX XXXX. However on XX/XX/2020 I received documentation from XXXX XXXX that they have deleted the inaccurately reported bankruptcy from their credit files. So how is it possible that Experian verified this information with XXXX XXXX if XXXX XXXX deleted this inaccurate information from thier files.

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 2020-11-15 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: CA

Complaint narrative:
Equifax is reporting wrong address for me, which is fraud and identity theft. I never lived at XXXX XXXX XXXX XXXX XXXX XXXX California XXXX, I never lived at XXXX XXXX XXXX # XXXX XXXX California XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15 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: MS

Complaint narrative:
I have written letters on XXXX, XX/XX/2020, XX/XX/2020, and XX/XX/2020 about inaccurate accounts listed on my credit reports. I only received a computer generated response. I even asked for proof of the investigation which I never received. These inaccurate accounts are still listed on my credit report which is a violation.

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 2020-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: OR

Complaint narrative:
On XX/XX/2020 I closed on my mortgage refinance with XXXX XXXX XXXX ( who is transferring the loan to XXXX XXXX XXXX for servicing ). On the closing documents, it stated I was to receive via wire transfer the amount of {$480.00}. 

The title company was First American Title and the escrow officer who handled the transaction is XXXX XXXX. 

A few days later on XX/XX/XXXX, I received an amount of {$440.00} via domestic wire, which right away I noticed the amount was off. I checked with my bank to see if they could determine why, all they could tell me is they do not charge for incoming wires - domestic or international. The document in which I provided by First American Title for the checking account information to facilitate the wire transfer does not disclose any fees for First American Title to send the money to me. 

The amount missing is also an odd amount of {$34.00}. 

I've reached out to both the lender, First American Title, and XXXX XXXX at First American Title multiple times ( by email and phone ) to get an explanation as to why this differs from what is on the closing documents - I am concerned that part of the money due to me was not sent to me. The one and only person to call me back at First American Title was a supervisor who all he could tell me was that he was in the wrong department and I need to call a different department as he only handles transactions in California. I then asked him for XXXX 's contact information as the contact information listed on the closing documents was getting me no where. He provided her email address and phone number to me. 

To this day, I've yet to hear back from anyone at First American Title who can tell me where my money went, that was not sent to me. 

Call Log XXXX ( number listed on Closing Documents ) Outbound - XX/XX/XXXX XXXX. Left message Outbound - XX/XX/XXXX XXXX. Left message Outbound - XX/XX/XXXX XXXX. Left message Outbound - XX/XX/XXXX XXXX. Left message Outbound - XX/XX/XXXX XXXX. Left message XXXX ( found this number online ) Outbound - XX/XX/XXXX XXXX. Left message Outbound - XX/XX/XXXX XXXX. Left message Outbound - XX/XX/XXXX XXXX. Left message Outbound - XX/XX/XXXX XXXX. Left message Outbound - XX/XX/XXXX XXXX. Left message XXXX Inbound - XX/XX/XXXX XXXX ( supervisor getting back to me, left message ) Outbound XXXX XX/XX/XXXX XXXX. Left message Inbound - XX/XX/XXXX XXXX ( was finally able to connect with supervisor, gave me XXXX XXXX email address and phone number. Basically not his department ) Email Log XXXX XXXX - XX/XX/XXXX XXXX Outbound - XX/XX/XXXX XXXX Any assistance in getting this resolved would be helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15 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: MS

Complaint narrative:
On XX/XX/2020, i sent a letter requesting verification of inaccurate accouts showing on my credit report. I have not received a response yet.

Company response to consumer: Closed with explanation