vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-07 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Hi, My name is XXXX XXXX. 

I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX  RECEIVED THE LETTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Hi, My name is XXXX XXXX. 

I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX  RECEIVED THE LETTER.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Attn : Customer Relations Department XX/XX/XXXX To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

1. Loan was modified. Creditor error and should not be showing 30 days late. 
XXXX Account XXXX : XXXX Creditor took 30 days to modify the loan and should not being showing as late. Please remove the 30 day late payment from my credit report 2. The Balance on this account is incorrect. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

3. Creditor deferred payments for natural disaster fromXX/XX/XXXX Thru XX/XX/XXXX. Creditor error should not be late XXXX Account Number : XXXX Deferred by the creditor for natural disaster and should not be showing late payment history. Please remove them from my credit report. 

4. Monthly payments were not applied to the account or recorded correctly and was never late. 
XXXX Account Number : XXXX Please remove this inaccurate past due information on my credit report.

5. Monthly payments were not applied to the account or recorded correctly and was never late. 
XXXX Account Number : XXXX Never 30 days late. Please remove the incorrect late payment from my credit report. 

6. There are multiple things that are being reported incorrectly in this account. If you can not verify please delete. 
XXXX XXXX Account Number : XXXX full termination/entire payment schedule completed for terms of agreement. Please update, correct and delete all the incorrect items 7. This is a duplicate account Sold to XX/XX/XXXXand should not be reporting twice PROSPER Account Number : XXXX Duplicate accounts should not be on my credit file. Please remove from my credit report.

8. There are multiple things that are being reported incorrectly in this account. If you can not verify please delete. 
XX/XX/XXXXXXXX Account Number : XXXX Please update and delete all the incorrect items. 

9. There are multiple things that are being reported incorrectly in this account. If you can not verify please remove. 
XX/XX/XXXXXXXX Account Number : XXXX Please correct/update this inaccurate information on 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 2020-10-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Attn : Customer Relations Department XX/XX/XXXX To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

1. Loan was modified. Creditor error and should not be showing 30 days late. 
XXXX Account Number : XXXX Creditor took 30 days to modify the loan and should not being showing as late. Please remove the 30 day late payment from my credit report 2. The Balance  on this account is incorrect. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

3. Creditor deferred payments for natural disaster fromXX/XX/XXXX Thru XX/XX/XXXX. Creditor error should not be late XXXX Account Number : XXXX Deferred by the creditor for natural disaster and should not be showing late payment history. Please remove them from my credit report.

4. Monthly payments were not applied to the account or recorded correctly and was never late. 
XXXX Account Number : XXXX Please remove this inaccurate past due information on my credit report.

5. Monthly payments were not applied to the account or recorded correctly and was never late.

XXXX Account Number : XXXX Never 30 days late. Please remove the incorrect late payment from my credit report.

6. There are multiple things that are being reported incorrectly in this account. If you can not verify please delete. 
XXXX XXXX Account Number : XXXX full termination/entire payment schedule completed for terms of agreement. Please update, correct and delete all the incorrect items 7. This is a duplicate account Sold toXX/XX/XXXX and should not be reporting twice PROSPER Account Number : XXXX Duplicate accounts should not be on my credit file. Please remove from my credit report. 

8. There are multiple things that are being reported incorrectly in this account. If you can not verify please delete. 
XX/XX/XXXXXXXX Account Number : XXXX Please update and delete all the incorrect items. 

9. There are multiple things that are being reported incorrectly in this account. If you can not verify please remove. 
XX/XX/XXXXXXXX Account Number : XXXX Please correct/update this inaccurate information on 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 2020-10-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello, My FICO score dropped by 43 Point just in a Day on XX/XX/2020. I was excellent FICO score person and it was big drop without any big reason. I have not applied for any Mortgage or Loan Just I applied a XXXX Credit Card. I feel Experian intentionally dropped 43 point FICO score just because of this so that I can take some services from them to improve my FICO score. Please help me to correct my FICO Credit Score. Thanks

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 2020-10-07 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:
Hi, My name is XXXX XXXX. 

I am writing to complain on Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out they range from XX/XX/2020 to XX/XX/2020 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN EQUIFAX RECEIVED THE LETTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have submitted my request to have 3 separate bankruptcies removed from my credit report in XXXX, XXXX, and also XXXX. Equifax informed me that they were unable to verify my identity. I sent over copies of my id, ssn, and proof of address several different times. I have the certified receipt showing that it was delivered XX/XX/2020 with a tracking number of XXXX XXXX XXXX XXXX XXXX. I DO NOT HAVE THE TIME OR THE MONEY TO KEEP SENDING ITEMS CERTIFIED JUST FOR EQUIFAX TO SAY THEY DID NOT RECEIVE IT. I also sent them copies from their own 3rd party verification department which is XXXX showing they have deleted the bankruptcies from my report, yet Equifax is refusing to remove them and it's causing me issues with me purchasing my home. I don't understand what the issue is. It is against the law to report un-factual information but yet it's still being reported due to them being paid to report. Equifax has already been sued in a class action lawsuit. I am requesting that it get deleted from my report immediately or i will sue Equifax. CFPB is suppose to assist consumers with things like this but yet this is my 5th complaint and nothing is getting done. 
Desired Results : REMOVE THE BANKRUPTCIES FROM MY REPORT Why : It is not verifiable and their 3rd party verification department XXXX XXXX has already deleted it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC
State: TX

Complaint narrative:
Beginning XX/XX/2020, I was contacted by Credit Control. I answered the phone, and the individual requested my information. I refused to give, as I am under no obligation to provide my private information to an unknown and unverified caller. Since then, I have been getting repeated robo-calls from this " credit provider ''. One phone call, they asked for a XXXX XXXX, who is not me. They use several robo call dialers, and when you try to return the call to request information, you are required to leave a message with your personal information rather than talk to a person. Since then, I have sent them a cease and desist letter and email to their complaints division, but that has only increased their calls from multiple numbers. XXXX ; XXXX ; XXXX ; XXXX. 

To date, I am unaware of ANY debts owed that have been sent to any collection agency, as I have been current on all my loans and financial obligations. I have requested for information in writing, to which I have been hung up on. 

This company has been so aggregious in its communication tactics that it deserves to be investigated and reprimanded for its harassment on a person who has no account with them and of whom they can not confirm they have an account that applies 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 2020-10-07 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hi, My name is XXXX XXXX. 

I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out they range from XX/XX/2020 to XX/XX/2020 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX  RECEIVED THE LETTER.

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 2020-10-07 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Hi, My name is XXXX XXXX. 

I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out they range from XX/XX/2020 to XX/XX/2020 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX  RECEIVED THE LETTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: GA

Complaint narrative:
Recently obtained a copy of my credit report and noticed account that i did not auhtorize

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 2020-10-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I paid off a checking overdraft line of credit in XX/XX/2019 but Pentagon Federal continues to report it as over the credit limit and late for over a year through today. I attached a communication from XXXX XXXX at Pen Fed acknowledging that the account had been paid off in full. PenFed never sent me notices that any amount was owed for this account. It has literally destroyed my credit score. There have been dozens of communications in prior years for them deliberately reporting false negative information and I can not get them to stop. It is deliberate  and based on situations and information I charge it to be pure XXXX. I plan to file a separate formal race discrimination complaint. I also filed a complaint with the company, its supervisors and NCUA. Please make them stop immediately and hold them accountable

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 2020-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XX/XX/20 Equifax website for lifting a credit freeze is not operational. 

XX/XX/20 Equifax website for lifting a credit freeze is still not operational. I finally reached a customer service representative who told me I had to mail a request ( including my social security and drivers license information XXXX to have the freeze lifted. I tried to explain the time sensitive nature of the request to no avail. I repeatedly asked to speak with someone else to resolve the issue and was denied. The representative eventually hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I was going through my credit report and notice several fraudulent accounts on my credit report. i provided a copy of my ID to prove my identity.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In XX/XX/2020, I filed a dispute with the three major credit bureaus Experian, XXXX  and XXXX  about the unverified account XXXX XXXX acct # XXXX, XXXX credit account # XXXX and XXXX XXXX acct # XXXX. In over 30 days ago I haven't received a response. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these companies about these unverified accounts as of today and according to the FCRA these non responded accounts should be removed from my credit files. Thank you in your help in resolving 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 2020-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
This complain is regarding the handling of insurance funds by mortgage company Mr Copper. 

Starting XXXX of 2020 we had to initiated an isurance claim due to water damage for property located at XXXX XXXX XXXX XXXX XXXX FL, XXXX As per their requirements checks from the insurance company were submitted to Mr Copper and since then it has been close to impossible to complete repairs as funds are not being returned ... 

I have gotten in the habit of having to call them directly on the phone just to get my claim moving within their system. I have been given conflicting information every time that I call and 0 solutions I habe had to take out a personal loan to cover expenses and repairs given the lack of transparency and diligent work from the insurance and claims department at Mr Copper. 

In the middle of a pandemic a multibillion dollar company like Mr Copper should not be so reckless with other peoples ' money as it may not be an issue for them but its life changing for individuals and families They have lost a check even after I have sent them prepaid overnight envolopes for them to return them to me I can only conclude that there must be some type of restrictions being placed on me, whether it is because of my heritage and background being XXXX or my name being XXXX .... 

Given their lack of proper responses I fell obligated to present this complain as it is obvios that they do not care one bit about their customers

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: GA

Complaint narrative:
I was going through my credit report and notice several fraudulent accounts on my credit report. i provided a copy of my ID to prove my identity.

Company response to consumer: Closed with explanation