vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-22 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/2022. And now we are in the month of XX/XX/2022 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. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : 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 2022-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
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 Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : 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 explanation
Consumer complaint received 2022-02-22 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: CO

Complaint narrative:
I disputed an account with professional finance back in XXXXXXXX XXXX XXXX, I did not receive a response so I sent equifax a dispute in XXXX XXXX the account was removed and the REINSERTED as an unverifiable account on my report. Ive included my credit report from XXXX showing when it was listed under XXXX XXXX  and then my XXXX report showing that it was reinserted. I did not receive any notification from equifax or professional finance. This is unethical and violates my FCRA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
XXXX OWNS SPECIALIZED LOAN SERVICING SENT XX/XX/XXXX % STATEMENT FOR XXXX SAYING THEY PAID {$2000.00} PROPERTY TAX KNOWING IT IS NOT TRUE.THEY HAVE THE LETTER TO CFPB FROM SLS XX/XX/XXXX EXPLAINING THE REFUNDS THEY RECEIVED .THERE IS ANOTHER REFUND FROM XXXX XXXX SENT TO SLS AFTER THEY REQUESTED IT SLS RETURNED BACK TO XXXX  XXXX SEE THE LETTERS FROM TAX OFFICE .THEY HAVE SENT IT BACK OUT AGAIN .THE FACT IS THE TAX PAID XXXX XXXXXXXX OFFICE SHOWS IN THE LETTER IS {$1400.00} with refunds of {$700.00} sls admitted to CFPB XXXXThe loan file i have obtained shows a different amount % paid in XXXX AND I STILL DO NOT HAVE XXXX OR XXXX FROM SLS ALONG WITH THE FILE ACCOUNT INFORMATION SHEET JUST SENT SLS ( SAID ESCROW UNAPPLIED FUNDS OR BUYDOWN BALANCE TRANSFER AS A RESULT OF SERVICE RELEASED +REAPPLICATION OF PAYMENTS DUE TO INVESTOR TRANSFER+ CURLTAILMENT OF PRINCIPLE+ MISAPPLIED FUNDS+ REVERSALS + MISCELLANEOUS DIBURSEMENT ESCROW CORRECTION.SO MANY UNAPPLIED FUNDS AND REMARKS THAT SHOW REVERSALS ) AND NO ESCROW AT ALL AS OF XX/XX/XXXX WITH NEW TRANSFER YET THIS NEW LENDER IS STILL TRYING TO CHARGE WHEN THERE IS NO TAX IMPOUNDS AND THERE NEVER WAS WHAT SLS SAID ..I HAVE DETAILED IN THE ATTACHMENT WITH PROOF XXXX  XXXX XXXX... ALONG WITH THE CODE THEY HAVE ATTACHED TO THE PROPERTY CALLING IT A CONDO ... .ITS A FOURPLEX CONVENTIONAL LOAN FIXED RATE... THE SLS HAD IT LISTED IN MERS I JUST GOT THAT ... YET XXXX SAID NO GET AHOLD OF SLS ... .I DONT KNOW WHAT THEY HAVE DONE OR IF THERE IS A LENDER MY CLOSING STATEMENT SAYS CONVENTIONAL FIXED RATE 30 YEAR I WAS TOLD A BANK WOULD HAVE THIS LOAN CAUSED CHAOIS MISREPRESENTED WITH A CONTINUED EFFORT TO MISLEAD I CAN NOT KEEP UP WITH THE AMOUNT OF BAD FAITH MISREPRESENATION. 
SLS SENT BACK THE LA TAX REFUND KNOWING THEY DID NOT PAY WHAT THEY SAID THIS WILL MAKE THE FILE IT ALREADY IS ZERO WITH REFUNDS AND GETTING MONEY FROM ME ALONG WITH MY REFUNDS FROM XXXX  XXXX NOW XXXX IS TRYING TO START IT ALL OVER AGAIN ..THIS HAS TO STOP..I HAVE ALL OF THESE REMARKS SENT TO ME THAT I HAVE NEVER BEEN TOLD ABOUT ALTERING THE FIRST TRUST DEED .THIS IS FRAUD

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 2022-02-22 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
I, XXXX XXXX XXXX, do swear under the penalty of perjury all I will say here is true and correct. 
I am a victim of ID theft. I have been to the police and they caught the person who perpetrated the fraud acts named here. I opened a bank account at USAA, and have my indurances there also. My bank account was hijacked by a fraudster. He had my personal info, cloned my phone number, and illegally gained access to my bank account at USAA. He opened a few other bank accounts at XXXX, XXXX XXXX, XXXX, and others. He was able to get those accounts linked to my USAA account by adding the amounts of the micro-deposits into the USAA account. I could not see these added accounts because I never opened the transfer part of my USAA account. When the fraudster made the transfers out of my USAA account to the fraud external accounts, he got the monies out of the external accounts and this caused a negative balance in my USAA account. When I discovered this negative balance in XXXX of 2021, I called USAA and made them aware of what happened, in XXXX of 2021. I went to the police and told them what happened, they at first felt I had used an alias and it was myself who did these fraudulent acts. They caught the perpetrator and took his fingerprints, and gave him a bond thinking it was me using that alias as my SS # is active. The police took my fingerprints and compared mine with the caught perpetrator. My prints did not match his. I was cleared. USAA has the certified police report notarized, and they refuse to remove their wrongful reporting of these fraud acts from XXXX XXXX cra. I have complained dozens of times and the CEO office appoints new people to my case and each of the 4 people refuse to return calls to me. It is infuriating to be ignored like this and harmed by USAA refusing to obey the law and removing their illegal reporting from XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE
State: NJ

Complaint narrative:
XXXX from the Western Union Executive Business Resolutions has not resolved case XXXX. The Regional Operations Manager 's actions were never clear and did not resolve anything at XXXX XXXX XXXX. I am still banned there ; XXXX XXXX still works there, and I am still angry. This so called " Regional Operational Manager '' that was in charge of this area had done nothing about Mrs. XXXX since there is no proof of anything done to XXXX XXXX XXXX. Until I speak to the Regional Operations Manager about this case, I will never believe anything that is said here

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$86.00} These items are reporting on my personal credit file with ( Equifax/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXX XXXX XXXX ( XXXX ) & XXXX XXXX ( XXXX ) are not complying with federal law in regards to identity theft. Additionally, the XXXX XXXX XXXX XXXX XXXX XXXX have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
I received several emails today from Wells Fargo thanking me for my application and welcoming me to their checking account service. I did not apply for a checking account. They used my social security number and birthdate and my personal email address.

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 2022-02-22 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/2022. And now we are in the month of XX/XX/2022 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. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Creditor : 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 2022-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX, There is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2022-02-22 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: FL

Complaint narrative:
My name is XXXX XXXX, There is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: NJ

Complaint narrative:
This XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} is not charge off to me. My record shows that this account was Paid as agreed and Balance is 0. Please correct this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: NV

Complaint narrative:
I recently checked my credit report and noticed some accounts I do not recognize and have not authorized. I believe I have been a victim of identity theft. I am demanding these these accounts be remove immediately. This fraudulent reporting is very adverse to my interest. 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX 5.  XXXX XXXX XXXX 28 USC 1746 Unsworn declarations under penalty of perjury

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 2022-02-22 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: FL

Complaint narrative:
I am XXXX XXXX. who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$86.00}, XXXX XXXX XXXXXXXX Inquiry Date XX/XX/2020 These items are reporting on my personal credit file with ( XXXX/ExperianXXXX ) credit reporting agency. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: VA

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/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means XXXX has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am XXXX XXXX. who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2022-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/22 I received a email saying my XXXX  Account has been permanently suspended for some type of fraud activty I have no clue about also my full account balance is still on the account in the amount of {$2700.00} that came from my college funds that I need to pay for my courses

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-22 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/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-02-22 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: NJ

Complaint narrative:
This XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} is not charge off to me. My record shows that this account was Paid as agreed and XXXX is XXXX. Please correct 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 2022-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian credit bureau has refused to obey the law section 605B of the fair credit reporting act, I have submitted all the proper documentation that that the law requires of me the consumer. I have provided all the identifying documents I have also provide the police report and identity theft reports from the ftc, Yet will has refused to obey the law and block these items in 4 business days or less. They claim that I have provided faulty or is faulty or fraudulent information in my request to have them block the proven information that does not belong to me by the police. They are lying and never providing any proof for their claims. They received information from the fraudster when he was using my information and they attempt to say that that was me even though the fingerprints prove it was not me. Fingerprints don't match means I am 100 % cleared by the police and the police provided these findings. Experian refuses to acknowledge this. I simply want them to obey the law.

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 2022-02-22 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I recently checked my credit report and noticed some accounts I do not recognize and have not authorized. I believe I have been a victim of identity theft. I am demanding these these accounts be remove immediately. This fraudulent reporting is very adverse to my interest. 

1. XXXX XXXX XXXX 28 USC 1746 Unsworn declarations under penalty of perjury

Company response to consumer: Closed with explanation