vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-21 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: PA

Complaint narrative:
Hello, I have been trying to reach the different Bureaus by letter letting them know which information its incorrect on my Credit report since a few months ago, I haven't receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with 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 explanation
Consumer complaint received 2021-10-21 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: CA

Complaint narrative:
To whom it may concern, The reason for this letter it to dispute an unauthorized inquiry on my credit report. On XX/XX/2021 and XX/XX/2021, I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of. 
Because I did not apply for credit with XXXX and XXXX, I have also reached out asking that they remove the inquiry from my credit profile. 
Please launch an investigation into XXXX and XXXX XXXX inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 
If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if XXXX XXXX XXXX is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 
Thanks in advance for your prompt attention to this matter.

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 2021-10-21 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: TX

Complaint narrative:
I contacted TransUnion via certified mail on XXXX and XXXXto conduct a reinvestigation of unfair, unverified, false reporting accounts. TransUnion job is to investigate and correct any issues that have been placed as a concern by the consumer. I am the only person who can verify a debt because it would have been me who would have open any account. TransUnion is a for-profit company and not or has anything to with being a bureau. They are not any type of government agency and they work on behalf of the consumer. By federal law in which I am a federally protected consumer I expect my rights to be upheld as such. The same data furnisher reported the same information yet all my information on my credit report is incorrectly reported. Their job is to report accurately and by law if they are not they have to remove any incorrect data immediately. All accounts must report accurately with the same data on each credit consumer credit report. attached is proof that these accounts are not. I have also attached where XXXX have deleted all these accounts from my consumer report because of these same inaccuracies.

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 2021-10-21 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: MO

Complaint narrative:
I originially filed a complaint with you al regarding Experian not properly veriying a bankruptcy they are reporting on my credit profile. In their original response to me they stated that the company used to verify the information reported it as accurate. THis reple was sent to you XX/XX/21. They also stated that if there was any new information that would look at the bankruptcy again. On their website and in the letter I received they stated that they verify bankrupty information with XXXX XXXX. I filed a compaint with you all against XXXX XXXX for not providing how they verified the bankruptcy they were reporting to you. On XX/XX/21 XXXX XXXX replied to the complaint with the attached letter stating that they have deleted this bankruptcy from my profile with them as of XX/XX/21. Since they did that prior to Exeperian saying that they verified it as accurate, Experian either lied or did not verify properly. As a result, I sent Experian a copy of the letter from XXXX XXXX stating that they are not reporting this bankrupcyt and asked Experian to delete it, and also filed another complaint with you. In their reply to you, they stated that they are still working on a reply and will reply within 60 days. 

Today XX/XX/21, Experian sent me a reply again saying that they verified the information as accurate with the data furnisher, again they did not include the name of the data furnisher, so I assume based on their website they are saying that it was reported to them by XXXX XXXX, however I recieved an updated copy of my report with XXXX XXXX, and just like the letter stated, the bankruptcy is no longer being reported by them. I have also attached to this letter a copy of the letter I sent to Experian XX/XX/21, from the court stating that they also did not provide this information to them. So if XXXX XXXX is no longet reporting this information to them, and the court does not provide any information to any CRA, where is Experian gettting this information from, and why arent they deleting this since it is very clear they are unable to verify its accuracy Attached is a letter I sent to Experian on XX/XX/21 from the bankruptcy court stating that they do not provide any information to the CRAS. A copy of the letter from XXXX XXXX that the bankrupcty has been deleted from their records, a copy of the page in my XXXX XXXX report showing that this has been deleted, and both responses from Experian stating the bankruptcy was verified after XX/XX/21 when XXXX XXXX states it has been deleted.

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 2021-10-21 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: VA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequoia Financial Services
State: CA

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: CA

Complaint narrative:
To whom it may concern, The reason for this letter it to dispute an unauthorized inquiry on my credit report. On XX/XX/2021 and XX/XX/2021, I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of. 
Because I did not apply for credit with XXXX and XXXX, I have also reached out asking that they remove the inquiry from my credit profile. 
Please launch an investigation into XXXX and XXXX XXXX inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 
If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if XXXX XXXX XXXX is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 
Thanks in advance for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX we spoke with Mr. XXXX from Shellpoint Mortgage Servicing with the intention to apply for a repayment plan. Mr. XXXX told me the down payment amount that I need to pay but at the same time, he told me the outstanding balance was {$770000.00}, which for us was incorrect. He recommended that we request the escrow analysis. On XX/XX/XXXX, I received the escrow analysis and I confirmed that I was charged twice for the same reason. Each past due payment included {$1000.00} for escrow monthly payment ( taxes and homeowner insurance ) but at the same time, my negative balance of the escrow account is {$130000.00}. Therefore, there is a disputed charge of {$120000.00} Please be advised that my account is in error. By federal law, the borrower can not pay twice the taxes and insurance. Shellpoint Mortgage Servicing included on each past due mortgage payment the amount of {$1000.00} but at the same time issued the past due amount of {$130000.00} of negative escrow balance for unpaid taxes and insurance ( cut off XX/XX/XXXX ) On XX/XX/XXXX, I sent via email a letter to the escalations department and loan servicing requesting the correction of this error, unfortunately, we didn't receive any answer.My intention is to pay what I owed to Shellpoint Mortgage Servicing through the repayment plan. However, the outstanding balance is incorrect.On XX/XX/XXXX I sent via email and certify mail a letter that I am attaching to this complaint as a supporting documents and until today, Shellpoint Mortgage don't answer anything to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: MO

Complaint narrative:
I added a XXXX XXXX  cashback offer to my card and then made a purchase at the relevant merchant for {$19.00}. Before that transaction went through, the merchant put a {$1.00} authorization charge on the card, a normal practice for many companies, which was quickly reversed. The cashback offer was applied to the authorization rather than my purchase. My XXXX  had the exact same issue for her own {$19.00} purchase with the XXXX XXXX cash back offer. I contacted support and was given irrelevant copy-pasted information for XXXX  days until someone finally paid enough attention to understand what my problem was. At that point they essentially told me " XXXX XXXX  '' and ended the conversation. 

If the company is going to act like authorization charges count as the cashback purchase then essentially nobody that ever tries to use the offer will ever get cashback and the company is committing wide scale fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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:
On my Transunion credit report, there is a bankruptcy on it but it does not belong to me.

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 2021-10-21 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: TX

Complaint narrative:
These accounts do not belong to me, please block and remove under 15 USC 1681c-2.

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 2021-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
company involve is transunion they are reporting 3 account with error i have dispute for 2 month ago and they still reporting wrong information this account are the following XXXX account XXXX XXXX account XXXX XXXX account XXXX transunion did not enter notice of dispute this is a violation of section 623 of 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 2021-10-21 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: MO

Complaint narrative:
My identity has been compromised to the point someone went as far as opening up and closing accounts in my name ; these accounts are unauthorized and unknown by me. Therefore Im demanding the immediate removal of the following accounts. 

1 ) XXXX XXXX Co {$1100.00} 2 ) XXXX XXXX Co {$170.00} 3 ) XXXX XXXX Co {$92.00} 4 ) XXXX XXXX XXXX {$47.00} 5 ) XXXX XXXX XXXX {$1100.00} 6 ) XXXX XXXX XXXX {$20.00} 7 ) XXXX XXXX XXXX {$75.00} 8 ) XXXX XXXX XXXX {$170.00} 9 ) XXXX XXXX XXXX {$20.00} 10 ) XXXX XXXX XXXX {$35.00} 11 ) XXXX XXXX XXXX {$16.00} 12 ) XXXX XXXX XXXX {$580.00}

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 explanation
Consumer complaint received 2021-10-21 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: FL

Complaint narrative:
I am writing to delete the incorrect information in my report. Someone stole my information and signed up for things in my name. The items I need deleted are listed in the report. I became a victim of identity theft and I have filled out a report with the CFPB also, I ask that the items be deleted to correct my credit report. It is super overwhelming to have to go through this and would like for this to be deleted ASAP. 



I demand that the following accounts be verified or removed immediately : The following account is not mine Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: ND

Complaint narrative:
In XXXX I applied for a XXXX XXXX XXXX or XXXX XXXX loan for the amount of {$4000.00} for the XXXX  and XXXX semester. After about XXXX to XXXX years later I received a letter from them saying that I had to start paying for the loan and I was paying {$15.00} a month after year to XXXX I realized that I was paying this loan to XXXX different companies so I stop paying. About XXXX years later in XXXX I received a letter in the mail that I have been XXXX and I have to go to court on XX/XX/XXXX was my court date I think so. For some reason I wasn't able to attend my court date so couple of months later I received a letter in the mail that I loan increase to {$8000.00} and they are going to be collecting the payments from my paycheck. So I was paying {$800.00} a month for about XXXX to XXXX months and they send me a letter that my loan was paid off. But I have been checking my credit and I still seem account or companies still my credit report saying opening and account has been transferred

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL

Complaint narrative:
On XX/XX/2021 I mailed a cease and desist notice to Fair Collections & Outsourcing certified mail with green receipt # XXXX as shown in the attachment stating that they had 15 days to fulfill my demands.. I am notifying you in writing through this CFPB complaint, Pursuant to 15 USC 1692c ( c ) that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums.My consumer report is a medium through which they are communicating negatively to the detriment of my consumer report and reputation. 

Pursuant to 15 USC 1692c ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the original creditor. I demand all of the following regarding this account for this alleged debt.

-Audit trail of this account for this alleged debt that can include an ( entire file on me XXXX XXXX XXXX all documentary evidence on me ( includes all documents, papers, correspondence, books of account, and financial and corporate records, credit application ). 
-Stop all illegal negative reporting and communication to and with all consumer reporting agencies -XXXX out the balance on this account Failure to respond to my cease and desist and or honor my demands will result in me the consumer pursuing legal litigation. To ensure compliance with this letter, you are advised to send written reply stating, confirming and complying with the demands of this cease and desist. I am well aware of my rights and know that any further contact by this company, except a communication confirming acknowledgement of this letter, is in violation of the FDCPA. Failure to do so will act as further evidence of your infringement up XXXX XXXX consumer and legal rights. I will immediately undertake legal actions in order to protect my rights. I have attached a copy of the cease and desist notice that was mailed to Fair Collections and Outsourcing.

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 2021-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC
State: CT

Complaint narrative:
Payment in the amount of {$60.00}, an e-bill payment made through my bank, XXXX, on XX/XX/XXXX, has not posted to my account as of XX/XX/XXXX. I check my online account ending in XXXX today, it does not show payment posted, payment amount due shows {$52.00}. There appears to be an error with Continental Finance posting the payment, needs to be investigated. I've experienced this issue prior, a rep stated payment would post as of date received and no late fee if on or before due date. I believe this payment should be reflected as on time, made on XX/XX/XXXX electronically through 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 2021-10-21 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: MO

Complaint narrative:
My identity has been compromised to the point someone went as far as opening up and closing accounts in my name ; these accounts are unauthorized and unknown by me. Therefore Im demanding the immediate removal of the following accounts. 

1 ) XXXX XXXX Co {$1100.00} 2 ) XXXX XXXX Co {$170.00} 3 ) XXXX XXXX Co {$92.00} 4 ) XXXX XXXX XXXX {$47.00} 5 ) XXXX XXXX XXXX {$1100.00} 6 ) XXXX XXXX XXXX {$20.00} 7 ) XXXX XXXX XXXX {$75.00} 8 ) XXXX XXXX XXXX {$170.00} 9 ) XXXX XXXX XXXX {$20.00} 10 ) XXXX XXXX XXXX {$35.00} 11 ) XXXX XXXX XXXX {$16.00} 12 ) XXXX XXXX XXXX {$580.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: MO

Complaint narrative:
My identity has been compromised to the point someone went as far as opening up and closing accounts in my name ; these accounts are unauthorized and unknown by me. Therefore Im demanding the immediate removal of the following accounts. 

1 ) XXXX XXXX Co {$1100.00} 2 ) XXXX XXXX Co {$170.00} 3 ) XXXX XXXX Co {$92.00} 4 ) XXXX XXXX XXXX {$47.00} 5 ) XXXX XXXX XXXX {$1100.00} 6 ) XXXX XXXX XXXX {$20.00} 7 ) XXXX XXXX XXXX {$75.00} 8 ) XXXX XXXX XXXX {$170.00} 9 ) XXXX XXXX XXXX {$20.00} 10 ) XXXX XXXX XXXX {$35.00} 11 ) XXXX XXXX XXXX {$16.00} 12 ) XXXX XXXX XXXX {$580.00}

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 2021-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
company involve s equifax & the account is XXXX XXXX i dispute in XXXX & XXXX wrong information in my report and after 2 month of disputing this account the did not put the notice of dispute this is a violation of section 623 of FCRA

Company response to consumer: Closed with explanation