vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-06 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: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the erroneous inquiry reporting on my Credit Report : XXXX XXXX XXXX XX/XX/2020

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 2021-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am a XXXX resident and a chase bank client. Someone wired a total of $ 32k from a Chase branch in XXXX using a fake ID ( that contained my name and address and incorrect XXXX ID #, expiration date, and photo ) to unknown recipients on XX/XX/21. Ive filled a fraud packet and sent Chase Bank all necessary items to file the claim. Chase has yet to credit or reverse these fraudulent transactions. This was a mistake done by their teller to allow such a transfer. Here is the Claim # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PNC Bank N.A.
State: OH

Complaint narrative:
As previously submitted, PNC is pretending that the options they gave me to deal with an outstanding XXXX loan were legitimate. When they, in fact, XXXX represent unlawful advice as they do not represent me in a fiduciary function. The neglected to act in a manner consistent with the purpose of XXXX loans and forced me to repay an amount that would later have been forgiven had they followed guidance from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
American Express has been calling me for years and will not stop, even though I have repeatedly asked them to stop. The calls stopped for a while, but they have recently picked back up with vigor. I want it to stop NOW.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm here to ask for your assistance with regards to my dispute XXXX days ago. I wasn't notified of any investigation taking place nor it's results. I hope that the accounts mentioned on my dispute will be deleted since all of them were misleading and falsely reported as being mine. Also, it's already past their investigation so everything must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: OH

Complaint narrative:
On XX/XX/21 I sent a certified letter to TransUnion in which receipt had been confirmed on XX/XX/21, to dispute the inquiries listed on my credit report and request that they removed in their entirety. I had received no response from TransUnion nor any update to my credit report as a result. After XXXX days with no response, I sent a second certificated letter to TransUnion on XX/XX/21 in which receipt had been confirmed on XX/XX/21 to follow up again on my inquiry disputes and requested a second time for them to remove them from my credit report. 

As of today on XX/XX/21 I have not heard any official response from TransUnion nor any updates to my credit report stating they were working on my disputes and legally they are required to remove all of my inquiries from my credit report 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 non-monetary relief
Consumer complaint received 2021-12-06 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-06 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: TX

Complaint narrative:
I'm here to ask for your assistance with regards to my dispute 60 days ago. I wasn't notified of any investigation taking place nor it's results. I hope that the accounts mentioned on my dispute will be deleted since all of them were misleading and falsely reported as being mine. Also, it's already past their investigation so everything must be deleted.

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 2021-12-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I'm here to ask for your assistance with regards to my dispute 60 days ago. I wasn't notified of any investigation taking place nor it's results. I hope that the accounts mentioned on my dispute will be deleted since all of them were misleading and falsely reported as being mine. Also, it's already past their investigation so everything must be deleted.

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 2021-12-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This is annoying because my I would not have been able to obtain credit if my score was low and now because I have several cards open I am being penalized although they all are paid on time. This is ridiculous my score have dropped from XXXX to XXXX. This makes no sense at all. I want my score fixed at there earliest convenience. Thank you so much. I feel this is more that just unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2021-12-06 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: GA

Complaint narrative:
XX/XX/2021 ; XX/XX/2021 ; XX/XX/2021. I have disputed multiple times to XXXX that XXXX Public records that are bankruptcy didnt belong to me. Theyve informed me to contact XXXX XXXX the reporting agency to speak with them. XXXX XXXX investigated and removed the public records that theyre reported to XXXX XXXX They also sent documents with proof that credits were deleted. I provided the document received to XXXX and even sent a certified mail and they refused to update my credit file.

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 2021-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IN

Complaint narrative:
In XXXX I was told by XXXX about the forbearance program with them and they encouraged me to take advantage of that program. I asked if I was going to face a huge payment and be forced to become current on payments at the end and was told NO, that since I had an XXXX XXXX, I would not have to make a lump payment, and that I would simply RESUME making regular payments to my mortgage, and that the money owed would be added to take back of my mortgage. 

I verified this with them every month. 

So in approximately XXXX, XXXX sold my mortgage to Carrington. Carrington contacted me and asked me if I was ready to start making payments and I said yes, so then they told me that I needed to pay them {$10000.00} ( approx ) plus resume making monthly payments. We agreed on a payment program of {$4100.00} a month for three months which would bring me current. I made the first payment on XX/XX/XXXX. Instead of taking one payment, Carrington took two. I asked for them to return the money to my bank. They refused to stop debit on their end and my bank refused to let me stop payment on a single payment, instead telling me that I would have to block everything incoming from Carrington. I did not have the money so I had to sell personal items to make sure the money was in the bank to cover the two payments. I had spoken to Carrington several times and was repeatedly told I would be contacted by a supervisor. This never happened. 

I was never told they had decided to send me a check via XXXX. I WAS told today that a check had been sent via XXXX  and that it was my responsibility to track that package down, not them. My bank account still shows two payments have been withdrawn by Carrington, each in the amount of {$4100.00}. Yesterday I checked my post office box in town and there was a notice from Carrington saying that I owed over {$9000.00}. I called today ( Monday, XX/XX/XXXX ), and I'm being told that I have been removed from the forbearance program, and that I owe {$9300.00} ( {$4100.00} x XXXX ) If positions were reversed, Carrington would be telling me that the issue of the payment return or receipt by XXXX would be MY issue, not theirs. I am simply asking them to check their records and see that the payment they sent me has NOT been cashed, credit that to my XXXX payment, return me to the forbearance program, and for this not to effect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc
State: TN

Complaint narrative:
my complaint is about Hunter Warfield. I am disputing the accuracy of this debt with XXXX. I submitted the dispute on XX/XX/2021 and the collector should have been notified by now that it is in dispute. However, I am still receiving daily calls in an attempt to collect the debt even though it is still in process with the dispute! This should be illegal and I am willing to take legal action against this company.

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 2021-12-06 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$360.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$78.00} XXXX XXXX XXXX Balance : {$430.00}

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 2021-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been trying to get access to my credit report in myequifax.com also I have been trying to apply for a credit card at a Bank and they say Equifax is has freeze and they cant pull my credit. I called several times to equifax and they said I don't have freeze yet the bank cant still pull my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: EQUIFAX, INC.
State: VA

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
XX/XX/21 - TransUnion signed for and received a letter from me which detailed that TransUnion furnished 30 accounts with Late payments and Transactions without any written consent. These actions were in violation of 15 USC 1681b and 15 USC 1681 ( 2 ) ( a ) ( i ). I sought remedy for these actions along with remedy for inquiry and address removal with an invoice computed using 15 USC 1681n. 

No response XX/XX/21 - TransUnion signed for and received signed for and received a notarized notice of pending litigation in affidavit form and another invoice. In the affidavit, I detailed 175 actions of TransUnion that were in direct violation of the FCRA, the laws violated by TransUnions actions were : 15 USC 1681b - violated 33 times by TransUnion furnishing 33 accounts on my report without written consent ; 15 USC 1681 ( 2 ) ( a ) ( i ) - violated 33 times by TransUnion furnishing 33 accounts with information about transactions and experiences ( credit utilization ) ; 15 USC 1681a ( e ) - violated 30 times when TransUnion improperly validated and verified information that was in dispute. I am the original creditor on all accounts, and I am the only one who can validate the alleged debt, which I have denied validation on these accounts multiple times. Reference to CFPB Complaint XXXX ; 15 USC 1681c XXXX a ) ( 4 ) - violated 13 times when TransUnion furnished 13 accounts that were either charged off or in collections ; 15 USC 1681c ( a ) ( 5 ) violated 31 times when TransUnion furnished 31 accounts with adverse information on it ; 15 USC 1681i ( a ) ( 1 ) ( A ) violated 30 times when TranUnion choose not to conduct a lawful investigation into my disputes. TransUnion did not interview me, neighbors or loved ones when it pertained to the dispute ; and again, I am the original creditor on these accounts and I did not validate the accounts but somehow TransUnion was able to validate the accounts. 

XX/XX/21 - I received a copy of my credit report and some dispute stuff from TransUnion. TransUnion didnt respond to my affidavit with an affidavit ( 12 CFR 1102.33 ).

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 2021-12-06 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: IN

Complaint narrative:
My name is XXXX XXXX XXXX. I paid XXXX XXXX XXXX on XXXX {$840.00} to pay off my credit card and they keep telling Transunion Credit Bureau that I still have a balance. I disputed this 3 times. I don't know if it's Transunion or XXXX XXXX lying to me but I need your help because. I need my credit report done fair and correctly. I'm including info where I paid them off completely and my balanxe should be reported as XXXX balance. Thank You.

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 2021-12-06 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation