vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-14 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: TX

Complaint narrative:
HAVE NEW UPDATED INFORMATION!!!!!!! I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF EXPERIAN NEEDS MY AUTHORIZATION TO PROCEED, THEN EXPERIAN HAVE MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, filed a complaint about EXPERIAN on XX/XX/2022. The complaint I'm referring to includes complaint number XXXX and XXXX. In that complaint pursuant to 15 USC 1681i ( 7 ), I demanded EXPERIAN send me those REINVESTIGATION results in 15 days of the late payments that I have disputed that they claimed were " verified ''. I asked for the description of the procedures included in 15 USC 1681i ( 6 ) ( B ) ( iii ) that EXPERIAN have taken to receive those results. It has been way pass 15 days and I have not received any " REINVESTIGATION '' results. I have also asked for the written instructions I gave EXPERIAN, pursuant to 15 USC 1681b ( a ) ( 2 ), to furnish this information on my consumer report. Without my written instructions, this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. I have not receive those written instructions either.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: NC

Complaint narrative:
On XX/XX/2022 I sent out an ftc report indicating that i was a victim of identity theft. However credit report agencies did a terrible job in the investigation, they did not throughly investigate if these erroneous account were actually mine, and left them on my credit report which is severely hurting my credit right now, I need these credit Bureau to do a through reinvestigation and remove these erroneous accounts from 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 2022-03-14 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  XXXX Account # XXXX has 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: CA

Complaint narrative:
Fraudulent Inquiries and inaccurate account information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-14 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: CA

Complaint narrative:
Fraudulent Inquiries and inaccurate account information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
there are multiple inaccuracies on my credit report that qualify for immediate deletion see letter enclosed for explanation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I sent letters, which are attached to the Department of Education on XX/XX/2022 ; XX/XX/2022 and again on XX/XX/XXXX. 

Please see attached. 
This was not a dispute I stated I would make payment in full in exchange for the original instrument of indebtedness. I have not received what I requested nor have they contacted me in reference to the letters that have been sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Holder : Mr XXXX XXXX XXXX XXXX XXXX Contacts : XXXX XXXX Details of your complaint : Let me be clear above a few facts, 1. The personal XXXX and the business XXXX are recorded on my XXXX XXXX as being closed for sometime, 2. you can not go into XXXX and submit information of late status payments when the account is Closed, credit card agreement had been reached which changed the original date from the XXXX of every month to the third 3. Reason being the XXXX of every month is only for active accounts my personal visa is non Active my business visa is also non active and has been in hardship department for sometime therefore I am not held responsible under the agreements of a active account. 4. 
All expected payments on this account will be paid on the third of each month and not before and I don't care what your review is coming XX/XX/XXXX, It was I who found a way to start paying on those two credit cards as far as I'm concerned we can go back to the way it was XXXX for the car and nothing for the credit cards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I checked my credit report and recognize that there were some unauthorized inquiries on my transunion, and XXXX credit report. 

XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/ 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 non-monetary relief
Consumer complaint received 2022-03-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: DC

Complaint narrative:
I received a US Bank Reliacard in the mail today. I understand that it is a government debit card used to disburse unemployment funds. I never applied for unemployment benefits for I am gainfully employed. Can you please cancel this account or instruct me on how to correct this fraudulent use of my personal information. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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:
Multiple hard inquiries on my credit reports. The only credit Ive taken out, in two years, are 2 leased cars, one from XXXX, the other was XXXX ( which I didnt end up taking ), and a chase card credit increase. 
Dates and companies : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX CXXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Multiple hard inquiries on my credit reports. The only credit Ive taken out, in two years, are 2 leased cars, one from XXXX, the other was XXXX ( which I didnt end up taking ), and a chase card credit increase. 
Dates and companies : XXXX XX/XX/XXXX XXXX DC XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXE XXXX XX/XX/XXXX XXXXP XX/XX/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 non-monetary relief
Consumer complaint received 2022-03-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I requested a {$10000.00} personal loan for home repairs. I am XXXX XXXX XXXX. Have perfect credit. My XXXX  score is XXXX and I make {$3400.00} a month on retirement and Social Security. I previously got a loan personal loan for a car {$14000.00} a couple of years back. It was a four-year loan and I paid it off in XXXX year. I have XXXX credit cards Wells Fargo XXXX and a XXXX XXXX. XXXX card has nothing on it my Wells Fargo account is usually paid off every month. They have denied me credit because. XXXX lack of recent installment information loan information. To length of credit history too short. XXXX too many accounts with balances. I have enough money in my savings account to cover this loan but did not want to use my savings account to cover this loan for a home improvement. I believe it's because of my age please check the application number for the loan is XXXX XXXX XXXX XXXX XXXX. Received a letter dated XX/XX/2022 my email address is a country lady at gmail.com thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-14 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:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section XXXX ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: CA

Complaint narrative:
MY INFORMATION HAS BEEN INVOLVED IN A MAJOR DATA BREACH WITH XXXX I HAVE BEEN FILING MULTIPLE LETTERS TO ALL THREE CREDIT REPORTING AGENCIES ON BEHALF OF FRAUDULENT INFORMATION FOUND. I HAD TO INDIVIDUALLY DRAFT AND SUBMIT THESE LETTERS, FINDING ALL THE INFORMATION INVOLVED IN THIS DATA BREACH THAT DOES NOT BELONG TO ME. I HAD TO SUBMIT A REPORT TO THE FEDERAL TRADE COMMISSION ON BEHALF OF IDENTITY THEFT. THE ACCOUNTS THAT HAVE CAUSED ME MANY DENIALS FOR LOANS, CREDIT AND OTHER PERSONAL PURCHASES. I HAVE LOST TIME AND ENERGY BECAUSE OF THESE FALSE 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 non-monetary relief
Consumer complaint received 2022-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX. XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXXXXXX XXXX  XXXX Account # XXXX has 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX BANK XXXX Account # XXXX has 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
There is too many transaction to count.It is affecting othee accouts. I also reieved a call from the fraud department as well but still have NOT see any of the money being credited. In mean time put be in a financi burdem on my otheraccpunta making it seem not payment being recieved. Alsoe bunch of reversal charges done on my account that makes no sense

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: Diversified Adjustment Service, Inc.
State: PA

Complaint narrative:
I am making this complaint on be half of my self an no other. I sent Diversified Adjustment a cease and desist got notice that they received it XX/XX/22. I never received noticed that I could dispute this debt. Diversified Adjustment is ruining my reputation and damaging my character.Diversified Adjustment shared this alleged obligation with the consumer reporting agencies. Pursuant to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Due to this inaccuracy my reputation and character is being effected. This person ( debt Collector ) infringed upon my right to privacy by having a conversation with a 3rd party about me while I wasn't aware. 15 USC 1681a ( 4 ) The consumer reporting agency is sharing erroneous info without first consulting with me the consumer. They have no proof that this transaction took place. If so send me the contract that took place between me and Diversified Adjustment stating we are doing business. They are impartial because they allowed information to be reported while only hearing one side of the story. 15 USC 1681 ( a ) ( b ) the consumer reporting agencies did not meet the needs of commerce because this was not fair or equitable.15 USC 1681a ( d ) ( 2 ) exclusions from a consumer report transaction between a consumer and person making the report. This is identity theft.Diversified Adjustment stole my identity and shared my private information with these CRA 's.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: PNC Bank N.A.
State: IN

Complaint narrative:
Contacted XXXX to remove PNC Bank inquiry from my credit report. 

The inquiry was made on XXXX2020. This was not made by me. XXXX customer service failed to take action. I also called PNC Bank to get it removed and they did nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX BANK XXXX Account # XXXX has 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: MA

Complaint narrative:
I started the process to refinance with Freedom Mortgage back in XXXX of 2021. I submitted all documentation that was required of me immediately. I would have to make calls frequently to try and obtain the status of my refinance. I finally found out in XXXX that my loan had just been ( supposedly ) sent to the underwriter then, which it had not. 
I have been assigned XXXX different liaisons, and have a hard time getting any feedback, and it seems when I do get a callback, I am given incorrect information. 
I have received numerous calls where I have been asked to submit documentation that has already been submitted, been told my loan has been approved, been told my loan has been escalated, and asking to re-pull my credit report for the final approval. 
Then I start receiving phone calls from other mortgage companies, telling me my loan wasn't approved and maybe they can help me. 
How does another mortgage company know my loan wasn't approved before me? And just hours after my credit report was pulled again. 
I have been put through XXXX on this refinance, I have been lied to over and over and over again, been given incorrect information on a regular basis. How is this a good business practice, how can such a large company still be in business? 
I am quite upset to say the least on this matter. I feel someone needs to be held accountable for these actions. 
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