vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-01 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: UT

Complaint narrative:
XXXX XXXX XXXX is violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). These items was deleted and you reinserted them without notifying me XXXX business days after and certifying that the items was validated properly. 

and failure to respond in 30 days FCRA Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to XXXX & XXXX to report anything on my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION XXXX MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

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 2022-02-01 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: UT

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX is mistakenly reporting to all XXXX credit bureaus an account that isn't mine. I have requested for many years that they provide an original contract with my signature proving the account is mine, but of course they can not because it doesn't exist. So I have requested many times that they remove this bogus account but they refuse. I have also asked the 3 credit bureaus to remove it, but they won't saying the creditor " says '' it's mine. SAYING IS NOT PROOF. They can not provide an original contract with my wet signature, thus the account it not mine. They have caused me serious financial damage by destroying my credit score with their mistake/fiasco. Please make them remove it immediately from all 3 credit bureaus. With sincere thanks.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-01 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: UT

Complaint narrative:
XXXX XXXX  XXXX is mistakenly reporting to all XXXX credit bureaus an account that isn't mine. I have requested for many years that they provide an original contract with my signature proving the account is mine, but of course they can not because it doesn't exist. So I have requested many times that they remove this bogus account but they refuse. I have also asked the XXXX credit bureaus to remove it, but they won't saying the creditor " says '' it's mine. SAYING IS NOT PROOF. They can not provide an original contract with my wet signature, thus the account it not mine. They have caused me serious financial damage by destroying my credit score with their mistake/fiasco. Please make them remove it immediately from all XXXX credit bureaus. With sincere thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

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 2022-02-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Selene Holdings LLC
State: VA

Complaint narrative:
My mom passed away on XX/XX/XXXX and her home loan is through XX/XX/XXXX I have contacted them several times to get added as authorize user I have provided all the requested documents and every time I call it seems to be missing documents when I have provided everything and more to get this expedited so I can be added but I keep getting the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XXXX I submitted a grocery order through the XXXX app that I have been using for years. My total for the order was XXXX order # XXXX. XXXX put an authorization in the amount of XXXX. I called on XX/XX/XXXX and XXXX provided me with a transaction Id XXXX to contact my bank because they have already sent the approval to post the correct amount to Wells Fargo on XX/XX/XXXX and that its an error on my banks end. I called Wells Fargo and they said they are still waiting on XXXX to send over the approval to post the correct amount. The Wells Fargo representative on XX/XX/XXXX was rude and kept cutting me off when I told her XXXX provided proof and refused to take the trans ID. Why does XXXX and Wells Fargo get to control my funds in the account and decide when they want to release it even though the purchase has already been completed and items received. 
I have never had this problem before and it seems as though they do not want to do anything about this issue.

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 2022-02-01 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: TN

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response back. I feel like I'm being taken advantage of and that I'm not being taken seriously. After doing research, Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so they should be removed now. The inaccurate information is preventing me from getting approved for the things I need to have and causing me to pay higher than necessary interest rates. My information was also impacted by the equifax data breach and may have got in the hands of the wrong person. I will file for litigation if I have to. Please resolve the issues with my credit report. I've also filed previous complaints that were not acknowledged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: TN

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response back. I feel like I'm being taken advantage of and that I'm not being taken seriously. After doing research, Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so they should be removed now. The inaccurate information is preventing me from getting approved for the things I need to have and causing me to pay higher than necessary interest rates. My information was also impacted by the XXXX data breach and may have got in the hands of the wrong person. I will file for litigation if I have to. Please resolve the issues with my credit report. I've also filed previous complaints that were not acknowledged.

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 2022-02-01 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: FL

Complaint narrative:
It is unacceptable that the these accounts are not corrected or updated and I am getting more and more upset. If the information is not immediately reinvestigated and not corrected and If you continue with your willful noncompliance with the law under Fair Credit Reporting Act, I reseve the rights to file a law suit againgst your company or any company you represent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my second formal complaint against Experian in the same day for the same reason. This is not a duplicate complaint. This is complaint no. : XXXX for the same problem I experienced consecutively. I called Experian today, on Monday, XX/XX/2022, and experienced a very long hold time. I then was transferred to a fraud agent to file a dispute. However, I then heard static noise on the telephone and the fraud agent in XXXX XXXX stopped talking. Experian disconnected the telephone on me for whatever reason. I then called back and the same exact event happened again, therefore, this is my complaint for the second time it happened. Please be advised : each time I get a dropped call from Experian, I will promptly file a complaint with the XXXX  and XXXX. This is an unfair business practice. Finally, no consumer should ever have to be on hold over XXXX minutes to file a dispute regarding inaccurate information on a consumer report. This is egregious of Experian.

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 2022-02-01 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: GA

Complaint narrative:
I have recently been information reported by XXXX XXXX XXXX in the file you are maintaining under my social security number. Upon ordering an online copy of my credit report, I see an entry from this company listing two different amounts XXXX XX/XX/XXXX, original balance XXXX and collection balance by your company XXXX. Then another account XXXX originally balanced XXXX collection balance amount XXXX. The status amount is XX/XX/XXXX. This account shows I still owe this company XXXX XXXX XXXX. Please validate this information with XXXX XXXX XXXX and provide me with copies of documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note this violates FCRA and FTC ( 15USC 41, et seq ) This is my final documentation as I have sent documentation to XXXX with certified mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. My action is to pursue your agency for a {$5000.00} lawsuit in XXXX County Courthouse for Defamation, Negligent Enablement of Identity Fraud, and Violation of the FCRA.

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 2022-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
Date : XX/XX/2022 Convergent Outsourcing , Inc . Illegal collection Activity through US Mail Repeated collections letters Debt is over 9 years old.

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 2022-02-01 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 did not authorize the companies in question or any other 3rd parties direct consent or access to my consumer reports. They used false and misleading forms to fraud and swindle me which resulted in adverse action. They deprived me of my right to privacy. Because my right to privacy has been breached this has caused me emotional distress which is a crime pursuant to title 18. TRANSUNION is conspiring with the furnished companies in the continuing violation of my constitutional protection rights. 

The banking system is dependent upon my consumer reports being fair, and accurate to me. You allowing inaccuracies to be furnished on my consumer reports has caused me to lose confidence in the banking system and as a result I will no longer be extending my credit to anyone, nor will I allow you to furnish a report on my behalf. 

I have attached the Identity theft reports and fraud reports along with a copy of my identification. I will be sending this CFPB complaint along with all other documentation to the Attorney General as record that you, TRANSUNION, CEO and Registered Agent have been made aware of the laws you have broken, which are causing me a great deal of emotional distress. 

( Excerpt from Affidavit of Truth sent to Transunion )

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 2022-02-01 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: GA

Complaint narrative:
Equifax Consumer Affairs sent me a email request to upload the following attachments to dispute the fraudulent inquires on my credit report. I sent the agent a copy of the FTC Report for them to remove the fraudulent items on my credit report. She told me she would do it within XXXX hours. I sent the XXXX a copy of the letter to remove the late of XXXX XXXX XXXX to remove the late payment from my credit file. This item was updated in the month of XXXX when I had covid XXXX in XXXX and there was a late payment mistakenly reported to my file. The agent that verified the document was accurate and told me he would remove the late from the credit report. The 30 day was removed and now it is showing again. It is hindering me with my credit reporting ratings and purchasing a home. I feel I am discriminated because I am victim of domestic XXXX and I am told the agent that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
I received a letter from XXXX XXXX for a debt owed to Velocity Investments. It is for a debt according to them that is from XX/XX/2005. That is XXXX years ago. They do not specify who the debt is for. I do not want to call for fear it is a scam.

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 2022-02-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Lending Club Corp
State: MN

Complaint narrative:
I had an investment account with Lending Club which was closed at some point. I am now unable to withdraw settled funds in my account. There are no valid contact methods to discuss this problem with the company as the indicated help email is inactive and in " sending-only '' mode per a response I received. I want to withdraw my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: TX

Complaint narrative:
I informed Experian that a debt collection account was in litigation. Experian allowed XXXXXXXX XXXX to report negative info in my credit report about a debt they purchased during the lawsuit and after the case was dismissed in my favor. I sent Experian copies of the pending litigation and final results of the case asking them not to allow XXXX to report negative info pending the outcome of the lawsuit. Experian investigated the dispute but dud nothing about it. The sent me credit card offers instead of dealing with my dispute. I think pushing credit card offers is a conflict of interest since they mange credit reports and scores.

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 2022-02-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am due a credit from XXXX for {$270.00}. I reached out to the store and they said they only keep one week of transactions in the store. 
I decided to dispute the payment with capital One. A supervisor told me that I had to split the dispute into XXXX separate disputes. One forXXXX and a second one for XXXX. I thought that was definitely wrong. She said because none of the charges on my card added up to {$270.00}! Well we dont always return everything thing that we bought. Anyway for some strange reason capital one charged my card back {$110.00}. 
Heres the overall issue I did not see a credit for {$270.00}. I called in again today and spoke with XXXX. I asked him to dispute {$270.00} with the merchant and he said he would not dispute this. I want an explanation from the merchant as to why they have not credited this order. Note, on the receipt that it was the same order number, same invoice. XXXX refused to assist me with the merchant to get an explanation. I want the merchant to explain if they broke out the charge into 2 separate credits OR was this credit never applied. 
I think the credit from the merchant was never sent. But, capital one refused to place the {$270.00} in dispute. 
Capital one dispute center is deplorable. They get an F-. I want my credit card with them closed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: CA

Complaint narrative:
I have written several letters over the last few months to the creditors as well as to the bureaus about lates that were reported on my credit during the pandemic, that the creditors had agreed verbally over the phone to give me a deferment on the payments due to covid. The lates are inconsistent and not correct, I have attached a screen shot of my report for you to see. 

The lates have drastically dropped my scores preventing me from getting approved for business loans and credit. 
I read about the care act listed below and am reaching out to seek your help. 

Section 4021 of the CARES Act amends the Fair Credit Report Act ( FCRA ) to address coronavirus-related accommodations made by furnishers. New FCRA 623 ( a ) ( XXXX ) ( F ) requires a furnisher making a COVID-19 related accommodation on a consumer 's loan account to report the account as current unless the account was delinquent prior to the accommodation.

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 2022-02-01 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: CA

Complaint narrative:
I have written several letters over the last few months to the creditors as well as to the bureaus about lates that were reported on my credit during the pandemic, that the creditors had agreed verbally over the phone to give me a deferment on the payments due to XXXX.  The lates are inconsistent and not correct, I have attached a screen shot of my report for you to see. 

The lates have drastically dropped my scores preventing me from getting approved for business loans and credit. 
I read about the care act listed below and am reaching out to seek your help. 

Section XXXX of the CARES Act amends the Fair Credit Report Act ( XXXX ) to address coronavirus-related accommodations made by furnishers. New XXXX  XXXX ( XXXX  ) ( XXXX ) ( XXXX ) requires a furnisher making a XXXX related accommodation on a consumer 's loan account to report the account as current unless the account was delinquent prior to the accommodation.

Company response to consumer: Closed with explanation