vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-07 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: NY

Complaint narrative:
To whom this may concern, I have recently noticed fraudulent activity on my credit reports. as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. Please can you remove the disputed items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 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: NY

Complaint narrative:
To whom this may concern, I have recently noticed fraudulent activity on my credit reports. as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. Please can you remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
My credit card statement shows a charge of {$33.00} from XXXX on XX/XX/2021. The last time I rented a movie from XXXX was XX/XX/2021 for {$3.00}. I tried calling my credit card company. The customer rep refused to process my dispute, saying the charge is NOT fraudulent. I tried disputing the charge online and the submit button stayed gray and my dispute would not go through on the credit cards website.

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 2021-08-07 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: MA

Complaint narrative:
I have disputed this account 5 different time and there is no change the in formation is not reporting 100 % accurate per FCRA I have posted proof of inaccurate information either update 100 % correct or remove this item per FCRA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I checked my personal credit report and I noticed an unauthorized inquiry had been made. 
I contacted XXXX XXXX and XXXX  and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into the inquires listed below on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-07 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: GA

Complaint narrative:
I checked my personal credit report and I noticed an unauthorized inquiry had been made. 
I contacted XXXX, Experian and XXXX  and asked them to remove their credit inquiry from my credit profile.

I request that you initiate an investigation into the inquires listed below on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the 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 2021-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was financially impacted by the XX/XX/2019government shutdown. I contacted Capital One ten times explaining my income was disrupted, I was experiencing financial hardship, and I was seeking assistance. I requested short-term payment forbearance, payment arrangements, extending my payment due dates, anything to help prevent my payments being reported late to the CRAs. They would not work with me, they denied my relief requests every time I called despite advertising relief and assistance to their customers impacted by the government shutdown on their own website, www.capitalone.com : " We are here to assist our customers who are experiencing financial difficulties as a result of the federal government shutdown. We encourage customers whose income is disrupted due to the shutdown to reach out to us to discuss their individual circumstances.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-07 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: NY

Complaint narrative:
My Experian report shows an account with XXXX XXXX that I simply do not own. I became aware of this around XX/XX/2021. 

I called XXXX XXXX to report the problem, initially thinking that this was a fraudulent account opened with my social security information. They then reported there is no account registered to anyone with my social security number. 

I followed up by checking other reports - from XXXX  and XXXX. None of which show this account, so clearly this is a problem with Experian 's report. 

I called Experian twice to register a dispute. Once, thinking it was a fraudulent account, and then later after I had talked to XXXX XXXX directly. The dispute went on for a couple of weeks, and when finally " resolved '' on XX/XX/2021, did not change anything on the report. 

This is obviously frustrating, as I took all possible steps I could, and Experian never reached out with a satisfying resolution or to follow up.

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 2021-08-07 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: MA

Complaint narrative:
I have disputed this account 5 different time and there is no change the in formation is not reporting 100 % accurate per FCRA I have posted proof of inaccurate information either update 100 % correct or remove this item per FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have disputed this account 5 different time and there is no change the in formation is not reporting 100 % accurate per FCRA I have posted proof of inaccurate information either update 100 % correct or remove this item per FCRA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Im having trouble with Capital One credit card. I made a payment on XX/XX/XXXX. I check my account each day, On the XXXX my account showed an error message. Ive called technical support many times, on 3 occasions they outright lied saying my account would be back online in 72 hours. They then demanded a picture of my drivers license ( front and back ) along with a note telling them to update my account with that information. This shouldnt have been necessary as none of my information changed since opening the account. Since my online access has been denied to me, I tried to pay my bill through customer service since my online account is scrambled. It turned out that my account was so screwed up that not even their own customer service could not process a payment. I have never missed a payment, and have excellent credit scores. This problem threatens my credit score since I cant pay my bill which is due on the XXXX of XXXX. All I get are lies from them and no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 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: TX

Complaint narrative:
I did not get proof of investigation from prior disputes so now I want these items deleted by law since they credit bureaus failed to comply with my request I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I HAVE LATE PAYMENTS THAT ARE NOT CORRECT I HAVE ACCOUNTS THAT SAY CHARGE OFF WHICH IS NOT TRUE I HAVE COLLECTION ACCOUNTS THAT I DO NOT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Sterling Infosystems Inc.
State: CO

Complaint narrative:
I worked for a former employer, but have noticed they are running background checks on me and I have not worked there in over three years. The latest notification was XX/XX/2020. 

The employer was XXXX XXXX XXXX services. 

The background was pulled by Sterling XXXX XXXX I am worried about this as several employees had identity theft and other fraduent charges they were convicted of. I know this as I used to review the reports. 

I am worried someone in the organization is doing this and trying to use accounts or commit fraud on my accounts.

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 2021-08-07 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: FL

Complaint narrative:
I am disputed that Equifax is reporting inquiries that is over 2 years old which should have been deleted ( XXXX ) they responded that they need proof of my identification which I am now uploading.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 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: IN

Complaint narrative:
I recently refinanced my vehicle loan through XXXX XXXX XXXX XXXX. Unfortunately, I also experienced some unforeseen circumstances ( Ive been XXXX  with XXXX and also paying for my XXXX, XXXX, XXXX  ) that prevented me from making my payment on time. I paid my payment 25 days late ( XX/XX/XXXX ) but paid it to a zero balance. I paid this payment with a debit card and the funds were immediately deducted from my account a and a receipt provided. On XX/XX/XXXX XXXX XXXX XXXX XXXX reported that my payment was 30+ days last due. This was reported to Experian and XXXX, unsure of XXXX. I reached out to the XXXX and was informed that it took 4 days for my payment to post which was then 30 days and that they would remove it as a one time courtesy. I disagree with these business practices because even if they do remove it, Ill have 30+ days of an incorrect credit report. At a time where I may need to apply for XXXX XXXX to keep up with my medical expenses. Also, it doesnt seem like a courtesy when I wasnt actually 30 days late in the first place. There was no notification that if I paid with a debit card that their system would take 4+ days to reflect a payment on their end. They took it from me immediately with no issue. What possible payment method would post faster than debit? None! Im so disappointed with the lack of care and concern from XXXX and that this will happen again in the future because its their policy. It this isnt illegal credit reporting, its at the very least terrible customer service. I also think its unfair to expect the customer to go through the dispute process with all 3 credit bureaus instead of revoking the late payment themselves.

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 2021-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
Specialized Loan Servicing LLC. received XXXX from my county tax agency. After trying everything in my power to get my money which they thought they were going to try to steal they finally sent me XXXX that however is not XXXX. They still owe me XXXX They legally can not keep that money. Both the head tax agent for XXXX and my current mortgage company said they know for a fact that is what SLS received and should return to me. I want to know where this left over money is. All I want is my money and I will be out of their hair. Also, whenever I call in trying to find out what is going on they pretend like they are transferring me over and then just hang up. It is honestly trifling.

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 2021-08-07 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: NY

Complaint narrative:
I try to call XXXX XXXX  at XXXX and they never pick up the phone. It just rings and rings and then I am listening to HOLD MUSIC for over an hour, each time I call. I think they fired all workers and no one is left to answer the telephone. I keep making my car payment and they keep accusing me of paying it late but that is a lie. I pay it on time but XXXX XXXX  is filing FALSE INFORMATION on my Experian report. They don't answer the phone or even put on a Supervisor when you ask if you get someone after 45 minutes in XXXX or XXXX. I am paying them in American $ dollars I should be getting American 's on the phone. How secure is my data if somoen in the XXXX is looking at it.

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 2021-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: TX

Complaint narrative:
My wife and I engaged with Mutual of Omaha Mortgage for a mortgage on XX/XX/2021. Our loan officer advised us that we were good for a XX/XX/XXXX closing date. We sold our house on XX/XX/XXXX and rented it until XX/XX/XXXX, leaving a buffer for our move. We are A+ buyers putting 36 % down on the house we were trying to buy. Our credit is very close to XXXX. On XX/XX/XXXX, my loan officer asked for {$150.00} to expedite the appraisal process. All of the requirements on our end were met and we had a conditional approval from Mutual of Omaha Mortgage by XX/XX/XXXX, just pending and appraisal from Mutual of Omaha. 3 distinct occasions the company missed our closing dates costing us over {$16000.00} in rent, lodging, and various other expenses. I spoke to the CEO and the COO. They eventually deferred me to their legal department and stopped responding to me, claiming that I was demanding money, which I never did. The SVP of legal wouldn't answer any of my questions and Mutual of Omaha Mortgage eventually fired my loan officer without providing me any updates or information about my loan status or letting me know he was gone. On XX/XX/XXXX I enlisted the services of another mortgage company that closed our loan on XX/XX/XXXX. On XX/XX/XXXX an appraiser showed up at my house on behalf of Mutual of Omaha. Mutual of Omaha Mortgage never sent any communication to inform me that an appraiser was coming to my house. I still didn't have a final closing date from Mutual of Omaha Mortgage on XX/XX/XXXX when I closed the loan with the second bank. I itemized the losses I suffered ( ~ {$16000.00} ) and submitted them to the CEO, COO and SVP of legal asking them to reimburse me on XX/XX/XXXX. They responded after a week saying that they would only reimburse me {$490.00} for the appraisal fee and that they never charged me for an expedited appraisal fee. Below is the itemized list of expenses caused by Mutual of Omaha Mortgage 's inability to meet the closing dates that they advised me to set : Costs from missing XX/XX/XXXX closing date : {$1500.00} for our movers to store our stuff {$850.00} for hotels until we could start renting HOUSE # 1 {$1000.00} to board our dogs until we could start renting HOSE # 1 {$2400.00} for rent at HOUSE # 1 from XX/XX/XXXX - XX/XX/XXXX {$400.00} Attorney fees {$5200.00} earnest money from HOUSE # 1 {$1000.00} for movers from HOUSE # 1 to HOUSE # 2 {$220.00} for boarding dogs during second move {$420.00} rent for HOUSE # 2 from XX/XX/XXXX - XX/XX/XXXX Costs incurred from missing XX/XX/XXXX closing date {$2100.00} rent for HOUSE # 2 from XX/XX/XXXX - XX/XX/XXXX Costs incurred from missing XX/XX/XXXX closing date {$750.00} rent for HOUSE # 2 from XX/XX/XXXX - XX/XX/XXXX Costs charged by Mutual of Omaha Mortgage for a mortgage they were unable to deliver : {$150.00} expedited charge for appraisal {$490.00} appraisal fee

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has credit inquiries that I do not recognize or belong to me or have been authorized by me, I need this inquiries removed XXXX XXXX XXXX  Companies Inquiry date : XX/XX/XXXX XXXX/XXXX  XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX National Credit Card Cos. 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX - XXXX  XXXX National Credit Card Cos. 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX I have not supplied proof under the doctrine of stoppel by silence.Engelhardt v Gravens ( Mo ) 281 SW 715,719, I may presume that no proof of alleged inquiries, nor therefore any such inquiries ara in fact my.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 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: LA

Complaint narrative:
Transunion deleted XXXX XXXX and they two weeks later added back to the credit file, this a clear violation of the FRCA and FDCPA!

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 2021-08-07 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: VA

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 37 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) states plainly that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 37 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation