vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In 2020 at the height of the pandemic. XXXX did Not apply funds that I paid during the pandemic. I have tried to dispute it and get the 5 months non payment off my report as it is inaccurate. Instead they transferred my loan without my consent and left the incorrect information on my credit plus new additional months not paid which is incorrect information by XXXX and showing on this report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: RI

Complaint narrative:
I XX/XX/XXXX, I mailed a written letter in a certified mailed receipt with signature requesting requesting a debit verification to National Credit System. As of XX/XX/XXXX National Credit System has not response. I just receive a XXXX notice from National Credit System stated that I have not reach out to them threatening to report on my and my son XXXX XXXX credit report. I had file a complaint to the Attorney General office regarding this issue. 

I have the proof and tracking from United State Postal Service. 

National System INC has violation the FDCPA for debt collector to refuse to send a validation notice or fail to respond to my verification letter. 

I am having issue attaching it to this compliant but i emailed to whomever is handling this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Reporting Account Number XXXX, Account Number XXXX, Account Number XXXX, Account Number XXXX, Account Number XXXX, violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1 681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
My name is XXXX XXXX and my data was breached in the security breach that you guys had in 2019 I want all of my negative items taken off my credit report. Anything from 2019 this way. You have been ordered by the courts to fix it. I have been telling you guys that my identity has been stolen hundreds of times and nobody is listening well. It is now ordered by the courts that you have to fix it. If the issues consists after a certain amount of time, it's on you. You guys better fix it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 non-monetary relief
Consumer complaint received 2023-02-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In XXXX, my father passed away and had an IRA, brokerage account, and XXXX account with Merrill Lynch. It took me over XXXX calls and emails with Merrill Lynch to finally get the IRA transferred into my mom 's account. She was the beneficiary of my father 's IRA account. There were numerous different advisors who were assigned to my father 's account. I would call Merrill Lynch and be on hold for extended periods ( I had several calls were I was on hold for XXXX hours ). The advisors were not very responsive and when I did contact them, I was usually dealing with another person. During the process, Merrill Lynch had an internal policy that Letters of Testament and other documents needed to be submitted within 60 days and if not, the same documents needed to be resubmitted. Some of these documents were from the courts and/or needed to be notarized. This policy was not clearly communicated. The Letters of Testament was submitted to Merrill Lynch approximately 65 days after receiving it from the court and they wanted me to go back to the court and get another Letters indicating that I was the executor of my father 's Last Will and Estate. 

Finally, in XXXX XXXX ( 20 months after my father 's passing! ), we were able to get the IRA transferred into my mom 's account. She had XXXX and they insisted on talking with her. We had provided XXXX of Attorney information and a doctor letter indicating that she was not of sound mind to speak on her behalf. We had a call set up with the Merrill Lynch advisor and he was not available for the call. 

In XX/XX/XXXX, my mother passed away. We are in the process of trying to liquidate the IRA. My sister is the executor of my mom 's XXXX XXXX and XXXX. My mom 's account has been assigned to XXXX different Merrill Lynch advisors in the last XXXX months as we are working through the process. The advisor on XX/XX/XXXX informed her that another IRA needs to be established with Merrill Lynch for the estate. Then, this IRA can be distributed to XXXX new Merrill Lynch IRAs for all of the beneficiaries. This process described by the Merrill Lynch advisor would take another XXXX months or so. We have repeatedly told Merrill Lynch we want to get the money out of their institution because the service is unacceptable and extremely difficult. 

Whether it is real or not, there is a perception that Merrill Lynch is purposively delaying these processes to keep my parents ' funds - funds that need to be liquidated. We have dealt with many other large organizations in the process of liquidating my parents ' estate and none of them have put up this much resistance. We need some help to get my mother 's account resolved quickly. We are not getting professional help and attention to our matters. 

I

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 2023-02-08 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: NV

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$770.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2023-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hello everyone, I have been using PayPal for long time, it was all good unitl and for no reason has been holding my money of about {$500.00} it's on hold for about 120 days now, I don't see that is legal action PayPal has taken against my money, I don't have any disputes open all this period of time. 
I want to withdraw my money, it's been long time holding my money for no reasons! My account mail under ( XXXX ) My Name : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-02-08 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: NV

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The information that is reporting on my Equifax and XXXX credit report does not reflect on my XXXX and all reports should reflect the information on the XXXX report..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. These inquiries should also be removed. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-02-08 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: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. These inquiries should also be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/XXXX I need you to attend to the following shown items in this letter which contains data taken directly from my credit report which you have provided. 

Company Information Dates XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Delete these unconfirmed inquiries lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S. Code 15 U.S.C 1681 ET SEQ . Section 04 of Fair Credit Reporting Act Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported. 

Once you have finished your investigations, send me an updated credit report to the address stated above.

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 2023-02-08 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: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 non-monetary relief
Consumer complaint received 2023-02-08 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: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. These inquiries should also be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-02-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The information that is reporting on my XXXX and Experian credit report does not reflect on my XXXX and all reports should reflect the information on the XXXX 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 2023-02-08 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: GA

Complaint narrative:
Equifax Information Services XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX I need you to attend to the following shown items in this letter which contains data taken directly from my credit report which you have provided. 

Company Information Dates *XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX Delete these unconfirmed inquiries lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S. Code 15 U.S.C 1681 ET SEQ. Section 04 of Fair Credit Reporting Act Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported. 

Once you have finished your investigations, send me an updated credit report to the address stated above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/2019 I been trying To resolve this matter for sometime now with your agency and with the cooperation of the debt collector that you allow to report an accurate information on my credit report with out my Permissible purpose its been well over 6 months now thats your allowing this dept collector to report inaccurate fraudulent information without proper verification I been a victim of identity theft and have proven it time after time and you still choose to report fraudulent inaccurate information on my credit report without my permission This collection found within my credit report are not related to any transaction that I made. I also submitted a complaint with the XXXX and FTC and also filed a Civil lawsuit

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 2023-02-08 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: GA

Complaint narrative:
XX/XX/XXXX I need you to attend to the following shown items in this letter which contains data taken directly from my credit report which you have provided. 

Company Information Dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete these unconfirmed inquiries lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S. Code 15 U.S.C 1681 ET SEQ. Section 04 of Fair Credit Reporting Act Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported. 

Once you have finished your investigations, send me an updated credit report to the address stated above.

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 2023-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
On XX/XX/2023, my mortgage holder, Mr Cooper Group , Inc of XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, withdrew {$1000.00} from my XXXX checking account, but never posted or otherwise credited it to my mortgage account nor would they reverse the charge when I requested it. Despite my numerous phone calls and several chat sessions with them, they've yet to correct their error, instead blaming it on a system update that will eventually correct itself. transcript from a chat session : There was a payment system update over the past month. We apologize for the inconvenience it mayve caused. There will be no fee charged if the problem persists on our end... ..I show that the payment was reversed due to invalid account number, and this was the same problem we faced during the update. I can create a request to know the detailed summary about the payment. They never got back to me with the results of their request. In fact, they have yet to return a single one of my phone calls. Further, they have put me on hold for extended periods of time only to abruptly disconnect ( hang-up ) without ever taking me off hold! I have literally spent hours of my time ( and many sleepless nights ) trying to get this problem corrected, but to no avail. At this point, I need someone to intervene on my behalf, before Im forced to seek a legal resolution to my dispute, because clearly, Mr Cooper has either been unwilling or unable to correct the problem themselves, instead opting to wrongfully take my money and ignore me.

Company response to consumer: Closed with explanation