vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hi, My Name is XXXX XXXX. I have a Bankruptcy that is reporting on my credit report in error. Both XXXX, Transunion, and XXXX I have made serval attempts over the past 12 months trying to resolve this issue with XXXX, Transunion, and XXXX. I sent in my dispute in XX/XX/XXXX and received 2 response on XX/XX/XXXX on report # XXXX. On the first letter said the bankruptcy was deleted. I thought this has finally got corrected. Then 2 days later I received another letter from XXXX  saying it was verified as accurate. The Report date was XX/XX/XXXX and report # XXXX. I have attached these 2 documents. Transunion sent back a letter saying Verified as accurate and XXXX. The other issue is when they sent the second letter saying verified as accurate they indicated is was verified by XXXX a Third Party Vendor. Transunion Stated the Bankruptcy was verified by the Bankruptcy Court in XXXX, TX. FCRA states you must verify with the original furnisher to get accurate information. This would be the Bankruptcy court in XXXX, TX where my credit report stated it was filed. This Bankruptcy was placed on my credit report in error. I sent a letter to the Bankruptcy Court and I do have that letter that will be attached also. The Bankruptcy Court sent me a letter saying they do not report information to or remove information from the credit Bureaus. 

The Bankruptcy is the original furnisher. XX/XX/XXXX I send another letter asking for a Method of Verification that is my right to know how XXXX verified the information they claim is accurate. This is stated in FCRA. On XX/XX/XXXX I received another letter stating verified as accurate. I sent out another letter in XX/XX/XXXX asking again the method of verification and on XX/XX/XXXX again they say verified as accurate. Nothing saying how they verified this bankruptcy. Just violation after violation. This bankruptcy has an address that is not mine and not on my credit report. This has been frustrating you read the FCRA follow the steps but the Credit just ignores the policy. 

I have attached all letters from XXXX, the letter from the court, and the letter i sent to XXXX. Please, can you help me reach someone that will resolve this issue? All 3 of these credit bureaus have been violating my rights to a fair and accurate investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hi, My Name is XXXX XXXX. I have a Bankruptcy that is reporting on my credit report in error. Both XXXX, XXXX, and Equifax I have made serval attempts over the past 12 months trying to resolve this issue with XXXX, XXXX, and Equifax. I sent in my dispute in XX/XX/XXXX and received 2 response on XX/XX/XXXX on report # XXXX. On the first letter said the bankruptcy was deleted. I thought this has finally got corrected. Then 2 days later I received another letter from XXXX saying it was verified as accurate. The Report date was XX/XX/XXXX and report # XXXX. I have attached these 2 documents. XXXX sent back a letter saying Verified as accurate and Equifax. The other issue is when they sent the second letter saying verified as accurate they indicated is was verified by XXXX a Third Party Vendor. XXXX Stated the Bankruptcy was verified by the Bankruptcy Court  in XXXX, TX. FCRA states you must verify with the original furnisher to get accurate information. This would be the Bankruptcy court in XXXX, TX where my credit report stated it was filed. This Bankruptcy was placed on my credit report in error. I sent a letter to the Bankruptcy Court and I do have that letter that will be attached also. The Bankruptcy Court sent me a letter saying they do not report information to or remove information from the credit Bureaus. 

The Bankruptcy is the original furnisher. XX/XX/XXXX I send another letter asking for a Method of Verification that is my right to know how XXXX verified the information they claim is accurate. This is stated in FCRA. On XX/XX/XXXX I received another letter stating verified as accurate. I sent out another letter in XX/XX/XXXX asking again the method of verification and on XX/XX/XXXX again they say verified as accurate. Nothing saying how they verified this bankruptcy. Just violation after violation. This bankruptcy has an address that is not mine and not on my credit report. This has been frustrating you read the FCRA follow the steps but the Credit just ignores the policy. 

I have attached all letters from XXXX, the letter from the court, and the letter i sent to XXXX. Please, can you help me reach someone that will resolve this issue? All 3 of these credit bureaus have been violating my rights to a fair and accurate investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 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: RI

Complaint narrative:
I checked my credit report to find a company called XXXX XXXX saying i owe them {$1600.00} and that i opened an account with them in XX/XX/XXXX and I never had an account with them nor did i authorize and inquiries on my report. on Transunion I have an inquiry from XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX on XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX and 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 2019-07-19 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: WY

Complaint narrative:
I have 6 months of late payments on my credit report for a student loan that was in deferment. They said they fixed this and did not. I have gone through all the channels that I can. Its hurting my credit.

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 2019-07-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W.J. BRADLEY MORTGAGE CAPITAL
State: CA

Complaint narrative:
I filed a complaint in XXXX of this year the complaint number is XXXX. As you can see by the record from the CFPB XXXX XXXX dis not respond to them and has never responded to our request to validate the debt. However my wife just saw that they are now reporting negative information regarding her account. I have been a licensed loan originator my XXXX number XXXX i spent 8 hours a year and countless hours during the year to stat compliant with XXXX XXXX RESPA AND FAIR LENDING requirements and i know that they can not, not respond to us and t think they could ignore the formal request from the CFPB is beyond belief. I Am seeking the CFPBs assistance to both correct the negative information and to enforce fair lending rules and regulations.

Company response to consumer: Untimely response
Consumer complaint received 2019-07-19 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: RI

Complaint narrative:
I checked my credit report to find a company called XXXX XXXX saying i owe them {$1600.00} and that i opened an account with them in XX/XX/XXXX and I never had an account with them nor did i authorize and inquiries on my report. on Transunion I have an inquiry from XXXX XXXX on XX/XX/XXXX and XXXX  XXXX XXXX on XX/XX/XXXX. XXXX   XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX and 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 2019-07-19 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: RI

Complaint narrative:
I checked my credit report to find a company called XXXX XXXX saying i owe them {$1600.00} and that i opened an account with them in XX/XX/XXXX and I never had an account with them nor did i authorize and inquiries on my report. on XXXX I have an inquiry from XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX. Experian XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX and 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 2019-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I checked my report before I applied for a secured card and I seen addresses on my report that do not belong to me nor am I associated with. on Transunion 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX XXXX XXXX 3 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4 ) XXXX XXXX XXXX XXXX XXXX XXXX 5 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 6 ) XXXX XXXX XXXX XXXX XXXX XXXX. I never lived at any of these addresses.

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 2019-07-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fein, Such, Kahn & Shepard, P.C.
State: NY

Complaint narrative:
Fein Such & Crane, XXXX, and XXXX all Violated the law by Dual tracking my loan while I was trying to work on a loan modification. They foreclosed while I was disputing the misapplied payments lost payments and money put in suspense. Fein Such & Crane Dual Tracked with EVERY SERvicer in violation of the LAW

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I contacted Equifax, XXXX, and XXXX on XX/XX/2019 via certified mail requesting my personal information be updated. Equifax and XXXX keep asking me to send in additional documentation when I have sent them information past verifiable to prove that I am XXXX XXXX XXXX and that I reside at XXXX XXXX XXXX, XXXX, MS XXXX and that my ONLY previous or prior address is XXXX XXXX XXXX XXXX, MS XXXX. Please see attachments that have been sent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I contacted XXXX, Experian, and XXXX on XX/XX/2019 via certified mail requesting my personal information be updated. XXXX  and Experian keep asking me to send in additional documentation when I have sent them information past verifiable to prove that I am XXXX XXXX XXXX and that I reside at XXXX XXXX XXXX, XXXX, MS XXXX and that my ONLY previous or prior address is XXXX XXXX XXXX XXXX, MS XXXX. Please see attachments that have been sent.

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 2019-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I checked my report before I applied for a secured card and I seen addresses on my report that do not belong to me nor am I associated with. on TXXXX 1 ) XXXX XXXX XXXX  XXXX XXXX XXXX, RI XXXX 2 ) XXXX XXXX XXXX XXXX, RI XXXX. XXXX 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX 2 ) XXXX XXXX  XXXX XXXX XXXX XXXX, RI XXXX. Equifax 1 ) XXXX XXXX  XXXX XXXX XXXX XXXX, RI XXXX 2 ) XXXX XXXX XXXX XXXX, RI XXXX 3 ) XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX 4 ) XXXX XXXX XXXX XXXX, RI XXXX 5 ) XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX 6 ) XXXX XXXX XXXX XXXX, RI XXXX. I never lived at any of these addresses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I checked my report before I applied for a secured card and I seen addresses on my report that do not belong to me nor am I associated with. on XXXX 1 ) XXXX XXXX XXXX   XXXX XXXX XXXX, RI XXXX 2 ) XXXX XXXX XXXX XXXX, RI XXXX. Experian 1 ) XXXX XXXX XXXX # # XXXX XXXX, RI XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX. XXXX  1 ) XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX 2 ) XXXX XXXX XXXX XXXX, RI XXXX 3 ) XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX 4 ) XXXX XXXX XXXX XXXX, RI XXXX 5 ) XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX 6 ) XXXX XXXX XXXX XXXX, RI XXXX. I never lived at any of these addresses.

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 2019-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: WI

Complaint narrative:
I used service of this company called Remitly for money transfer from my XXXX XXXX XXXX account to another bank account locate in XXXX. I send {$2200.00} on XX/XX/2019 and was promised that money will be credited on XX/XX/2019. I am writing this on XX/XX/2019 and there is no money transferred. Despite my several request either cancel my transaction and refund my money back or credit it in destination account, this company totally ignoring all request. Customer service is so worst that they even asked me if you want to go to law enforcement you can feel free to do so. They are even not telling us when this amount will be refunded or credit in destination.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Veros Credit, LLC
State: CA

Complaint narrative:
On XX/XX/19 I XXXX XXXX contacted XXXX XXXX to retrieve my property and work tools ( massage table ) ( Massage Chair ) both were taken out of my vehicle and are being held for ransom by Regios Inc, they will not allow me to retrieve my property, This is an illegal being committed. I tried to speak to the manager but after a short conversation she hung up the phone on me and ignored my calls when I tried to reach her again, she was very rude and unprofessional.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX, and XXXX all Violated the law by Dual tracking my loan while I was trying to work on a loan modification. They foreclosed while I was disputing the misapplied payments lost payments and money put in suspense. XXXX XXXX XXXX XXXX XXXX XXXX with EVERY SERvicer in violation of the LAW

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 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: FL

Complaint narrative:
this has been an a issues for me, someone had stolen my identity what do to I do from this point on. this is crazy that someone is pretending to be me and causing XXXX in my life I did not authorize these accounts. these accounts are 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 non-monetary relief
Consumer complaint received 2019-07-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
XX/XX/XXXX : Payment of {$18000.00} made to Wells Fargo for a private student loan The 'Details ' link shows : Private Student Loan Principal XXXX Interest XXXX Late Fee XXXX Total XXXX The Wells Fargo   online banking shows I owe {$130.00} as an Outstanding principal balance. 

Further, the online banking shows I owe {$280.00} on XX/XX/XXXX. 

The loan is paid off in light of the Principal, Interest, and Total which was paid in full on XX/XX/XXXX. 

I spoke to the Executive Office at Wells Fargo ( Case ID XXXX ) but they insist that more interest was being added.

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 monetary relief
Consumer complaint received 2019-07-19 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 just received notification from Equifax that they completed and investigation and a prior debtor reported TO THEM that the erroneous information from XXXX XXXX is accurate. Equifax further advised me to contact XXXX XXXX directly to address this matter. The problem is that I have already done that and XXXX XXXX confirmed there are no current debts and they also followed that confirmation up in writing. I have sent that confirmation to both YOU ( CFPB ) and Equifax. The company ( XXXX XXXX ) confirmed today that they did not go back and change any information in their system and that my debt has still been cleared. They advised me to seek legal action against the reporting agency ( Equifax ) since they have updated their records and notified Equifax. I have attached the confirmation from XXXX XXXX once again. This problem has gone on long enough. I have proof andI will move to enforce my legal rights immediately if this is not rectified. This will also include seeking substantial damages due to the fact that this negligence from CFPB and Equifax has now cost me a job offer and several potential apartments for myself and my child. I can not tolerate this anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 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: FL

Complaint narrative:
this has been an a issues for me, someone had stolen my identity what do to I do from this point on. this is crazy that someone is pretending to be me and causing XXXX in my life I did not authorize these accounts. these accounts are 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 2019-07-19 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: Equidata, Inc.
State: FL

Complaint narrative:
this has been an a issues for me, someone had stolen my identity what do to I do from this point on. this is crazy that someone is pretending to be me and causing XXXX in my life I did not authorize these accounts. these accounts are fraud

Company response to consumer: Untimely response
Consumer complaint received 2019-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
ive noticed several unauthorized inquiries on my credit profile section 609 of the fcra states that all inquiries should have written approval of the applicant also section 1681 of the united states code states its illegal to inquire without written authorization these companies are conducting an illegal practice and are subject to suit if these items are not removed immeadiately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation