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: 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: OK

Complaint narrative:
On XX/XX/XXXX I filed Chapter XXXX bankruptcy, which including all of my accounts and XXXX XXXX. XXXX XXXX then sent that account to collections. My attorney sent them all the necessary paperwork. In XXXX I was unaware that they had put a lien on my house until I went to sell. Another motion was filed on XX/XX/XXXX including XXXX XXXX, again, they were added back to the original bankruptcy of XXXX. It was removed, from the title due to the evidence presented and my house was sold. I then received countless collections letters from a Collection Agency, which I sent to my attorney. I then disputed this online 3 times the credits bureaus with no change. 
On XX/XX/XXXX, I sent XXXX, Transunion, and XXXX certified mail, return receipt requested with all of the following, 1 ) my original bankruptcy, 2 ) the amendment to it, 3 ) a notarized copy of my DL and SS card to prove my identity, 4 ) a current copy of their current credit report, and 5 ) even proof of receipt of filing in court. They have since documented this on my credit bureau and the collections remained. Says creditor disputes this. All three are the same. My credit score has now dropped below 700.

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: 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: OK

Complaint narrative:
On XX/XX/XXXX I filed Chapter XXXX bankruptcy, which including all of my accounts and XXXX XXXX. XXXX XXXX then sent that account to collections. My attorney sent them all the necessary paperwork. In XXXX I was unaware that they had put a lien on my house until I went to sell. Another motion was filed on XX/XX/XXXX including XXXX XXXX, again, they were added back to the original bankruptcy of XXXX. It was removed, from the title due to the evidence presented and my house was sold. I then received countless collections letters from a Collection Agency, which I sent to my attorney. I then disputed this online 3 times the credits bureaus with no change. 
On XX/XX/XXXX, I sent Experian, XXXX XXXX XXXX   certified mail, return receipt requested with all of the following, 1 ) my original bankruptcy, 2 ) the amendment to it, 3 ) a notarized copy of my DL and SS card to prove my identity, 4 ) a current copy of their current credit report, and 5 ) even proof of receipt of filing in court. They have since documented this on my credit bureau and the collections remained. Says creditor disputes this. All three are the same. My credit score has now dropped below 700.

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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax and XXXX are reporting incorrectly a balance due of {$8100.00} on the XXXX   partial account number XXXX. ( Please see pages 12 and 13 of the attached credit report. ) On XX/XX/2019 I went to the XXXX XXXX precinct and filed an identity theft report. While checking my credit report, I discovered that an unknown individual opened several accounts and did about XXXX inquiries with my personal information. I have moved several times and at one point I lost my drivers license and social security card. I did not open this account nor did I give anyone authorization to use my personal information to open and account. I have attached a copy of the police report prepared on XXXX along with a copy of the signature page. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to resolve this, however I have not been successful.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Dear CFBP I am filing a complaint against TransUnion for failing to delete inaccurate information reported by XXXX XXXX account # XXXX. I wrote a very detailed dispute letter and provided full credit reports to display clearly the errors that were detailed in my writing. I received notification the dispute was complete, so I pulled my report on today to see the results. Unfortunately, they simply ignored the questions posed in my letter and did not provide documentation substantiating their position. As a result, I am requesting that you require them to fulfill their obligations under the Fair Credit Reporting Act and remove these two accounts from my Transunion report. 

Thanks for you help in this matter, 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Well over 30 days ago, my wife and I submitted credit investigation requests to the credit bureaus. They should have responded by now, but they have not.

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: GA

Complaint narrative:
XXXX and Experian are reporting incorrectly a balance due of {$8100.00} on the XXXX partial account number XXXX. ( Please see pages 12 and 13 of the attached credit report. ) On XX/XX/2019 I went to the XXXX XXXX precinct and filed an identity theft report. While checking my credit report, I discovered that an unknown individual opened several accounts and did about 30 inquiries with my personal information. I have moved several times and at one point I lost my drivers license and social security card. I did not open this account nor did I give anyone authorization to use my personal information to open and account. I have attached a copy of the police report prepared on XX/XX/2019 along with a copy of the signature page. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to resolve this, however I have not been successful.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax and XXXX are reporting incorrectly a balance due of {$8800.00} on the XXXX XXXX partial account number XXXX. ( Please see pages 9 and 10 of the attached credit report. ) On XX/XX/2019 I went to the XXXX XXXX precinct and filed an identity theft report. While checking my credit report, I discovered that an unknown individual opened several accounts and did about 30 inquiries with my personal information. I have moved several times and at one point I lost my drivers license and social security card. I did not open this account nor did I give anyone authorization to use my personal information to open and account. I have attached a copy of the police report prepared on XX/XX/2019 along with a copy of the signature page. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to resolve this, however I have not been successful.

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: EQUIFAX, INC.
State: OH

Complaint narrative:
Hello There the items below do not belong to me, and they are stopping me from buying a home. 

XXXX XXXX XXXX account # XXXX Amount {$1200.00} XXXX XXXX XXXX ACCOUNT # XXXX {$1100.00} XXXX XXXX ACCOUNT # XXXX {$720.00} XXXX XXXX, XXXX ACCOUNT # XXXX {$480.00} XXXX XXXX # XXXX AMOUNT {$85.00} XXXX XXXX # XXXX AMOUNT {$80.00} XXXX XXXX # XXXX AMOUNT {$0.00} XXXX XXXX XXXX  ACCOUNT # XXXX AMOUNT {$0.00} XXXX # XXXX AMOUNT {$0.00} XXXX/XXXX XXXX XXXX # XXXX AMOUNT {$0.00}

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: OH

Complaint narrative:
Hello There the items below do not belong to me, and they are stopping me from buying a home. 

XXXX XXXX XXXX account # XXXX Amount {$1200.00} XXXX XXXX XXXX ACCOUNT # XXXX {$1100.00} XXXX XXXX ACCOUNT # XXXX {$720.00} XXXX XXXX XXXX ACCOUNT # XXXX {$480.00} XXXX XXXX # XXXX AMOUNT {$85.00} XXXX XXXX # XXXX AMOUNT {$80.00} XXXX XXXX # XXXX AMOUNT {$0.00} XXXX XXXX XXXX ACCOUNT # XXXX AMOUNT {$0.00} XXXX # XXXX AMOUNT {$0.00} XXXX/XXXX XXXX XXXX # XXXX AMOUNT {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: OR

Complaint narrative:
My husband and I have been planning to change banks. We set up accounts with Navy Federal Credit Union a few months ago, but had not yet moved everything into the accounts. We were planning to use one account only funds for a rental property, one that was leased a few days ago. I used mobile deposit to submit the two deposit checks received from the renters. I got immediate notification of a two day hold, which I had expected. 

After I could see the funds were released and showing in the account ( Wednesday night ), on Thursday morning I set up bill pay to pay several bills associated with the property.

This morning, I attempted to log on to double check that everything had gone well. Instead, I got a notification that I could not access my account, and should call the customer service number.

Once I got to a rep*, I was asked about my two deposits. I explained they were from two young CPAs renting my property, both with credit ratings over 750. She seemed dubious about this, stated they were suspicious, and told me that there would continue to be a five day hold, and that perhaps  my funds would be released then. 

I am an educated professional, and certainly understand funds being on hold. However, there are several irregularities about this that were inappropriate. 

1. I was told there was to be a two day hold. The funds then showed as available, and only after that was a five day hold imposed. This is disruptive to my money management plans.

2. I was not notified of the change in the duration of the hold. There was no email, no phone call. The rep insisted that there must have been, but that I had " misplaced '' it in my email junk file - but then she could not find an outgoing email to me, either, saying perhaps it had been sent by a different branch of her company - which sounded neither nor plausible nor truthful.

3. The bank refuses to even allow me to SEE my accounts or funds online. That part of the interface with the bank is entirely shut down, and she stated that this is deliberate and bank policy, " to protect me. '' When funds have been " held '' in the past by other institutions, I have NEVER been denied access to my own financial information.

4. When I attempted to speak to a supervisor to get to someone authorized to correct what is obviously a series of mistakes, she indicated no one was available. I still have not received a call back. 

*the representatives name was XXXX XXXX and she refused to give me either her last name nor an identification number within Navy Federal . However, our phone call occurred at approximately XXXX Pacific time on 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 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Well over 30 days ago, my wife and I submitted credit investigation requests to the credit bureaus. They should have responded by now, but they have not.

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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Well over 30 days ago, my wife and I submitted credit investigation requests to the credit bureaus. They should have responded by now, but they have not.

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 — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Collection Systems, Inc.
State: CO

Complaint narrative:
According to my XXXX XXXX Report, National Credit Managed placed a falsely alleged debt of {$2500.00} on my credit report. I continue to get harassing phone calls daily from fake phone numbers. I can only assume it is National Credit Management. They are in blatant violation of the Fair Debt Collection Practices Act. According to the FDCPA I have no legal duty to communicate with, or work with, in any way, a third party debt collector. I REFUSE to work with National Credit Management and DEMAND they cease and desist all future communication with me. This falsely alleged debt is originally from the University XXXX XXXX  XXXX. I was a student at the University XXXX XXXX XXXX from XXXX to XXXX. I did well in my first two years and nearly completed my XXXX. Unfortunately, I signed up for a XXXX XXXX XXXX position. I did not know the XXXX to whom I was assigned, nor did I know or understand the subject matter. The XXXX complained about my alleged poor performance to the Department. I was not notified so that I could respond. I learned of the complaint through a private email from my mentor who stated he had personally recommended me for the position, and that due to the false allegations of poor performance from the XXXX, I had negatively affected his reputation. I suffer from legally defined XXXX under the XXXX, these are XXXX XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, etc. I spiraled into XXXX, and dropped all of my on campus courses. I tried to take online courses but the university offered no online courses relevant to the completion of my XXXX. I tried therapy through the Student Counseling Center but was unable to return to regular course work. I dropped all of my courses for MEDICAL REASONS, therefore any falsely alleged tuition SHOULD HAVE BEEN REFUNDED. I took my complaint all the way to the Dean of the XXXX XXXX as well as to the XXXX XXXX office. I was ASSURED, that I would NOT BE CHARGED, yet the idiots at the Bursar 's Office sent this bill to collections anyway with massively accrued interest doubling the original falsely alleged amount. If this is not removed from my credit reports immediately, I will file a complaint with every state, municipal and federal anti-discrimination office. I will be forced to take legal action. Going to the University XXXX XXXX  XXXX, and even going to college  at all, was the worst mistake I've ever made in my life. I hate school, I hate college, and I hat XXXX   most of all.

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: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OK

Complaint narrative:
I have a personal loan and a title loan with One Main. I called a few months back to see about refinancing my signature loan and was given the option to keep my signature loan and add a title loan. I did this. Today I called to see if I could refinance the signature loan and was told My budget was too tight so I was denied. My complaint is how. I refinanced my car with one main saved me XXXX a month. I have never missed or been late on a payment and I am still at the same job. So how was my budget ok to get a title loan but not ok to refinance on the note I have now. The payments would not change.

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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2019, I disputed items on my Experian Credit Report. The result where reported on XX/XX/2019, as deleted ( I HAVE THE COPY OF THE RESULTS ). Today, XX/XX/2019, Experian added all 3 items back claiming they just received the answer from the creditors that alleges the information is accurate. Not only this is way more than the 30 days they have by law under the Fair Credit Reporting Act, ( exactly 4 months after the dispute and 3 after the results ), they told me that my interpretation of the law is not right, meaning that those 30 days mean nothing!!!!!! They send me an alert like I just open a dispute on XX/XX/2019 with then against XXXX XXXX and XXXX, acct number XXXX, but that is not correct. My last dispute was on XX/XX/2019. XXXX from XXXX XXXX told me not only that I am incorrect regarding the 30 days under the Fair Credit Reporting Act, but also that Experian is not responsible for what it was reported, and they wont fix it. That is up to me to find a solution. She is not entitle to her own facts or interpretation of the law, nor is Experian. This items most be deleted from my report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
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: FACTUAL DATA CORP.
State: NC

Complaint narrative:
On XX/XX/2019 I applied on line qith my current mortgage company for a 2nd home loan. I was denied. Immediately, after that I started getting calls from representatives from XXXX XXXX but in a different department attempting to offer me a new FHA rate. I said no to at least 3 different people and I asked them to remove my information but that did not happen. So on XX/XX/2019. I receive a call from another XXXX representative XXXX XXXX and I finally agree to listen to his sales pitch but it would have to wait until XXXX later that day because I was at work. I explained to XXXX that I did not want my credit ran a 2nd time because his company had just ran my credit 6 days ago and he should be able to use that. At XXXX XXXX, XXXX I get a notification that a hard inquiry had been added on all 3 credit reports. Shortly after I get a call from XXXX. I advised XXXX that I did not authorize another inquiry and I am very upset by this. I asked them to contact the agencies and have the inquiry removed due to it was unauthorized and fraudulently pulled. Matter of fact it was done without me being on the phone. XXXX 's superior was listening in and took over the call. He argued me down that this would not impact my credit. I advised him I dont care I want it removed because it was done without my knowledge and consent. He continued to stress his point. I got no resolve from him. I need this inquiry removed from my credit report with all 3 credit bureaus

Company response to consumer: Closed with explanation