vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-09 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:
I noticed that my credit reports are reflecting a late payment on my XXXX XXXX XXXX XXXX account. This account is paid on time each month and my balance owed is incorrect. See enclosed documentation. In accordance with the federal Fair Credit Reporting Act ( FCRA ), I respectfully request that you immediately delete this negative mark. I have previously contacted the creditor to update their records.

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 2020-07-09 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I noticed that my report is reflecting late payments on two accounts from American Express. These items are inaccurate because both accounts are paid in full and in good standing. 

AMERICAN EXPRESS : # XXXX AMERICAN EXPRESS : # XXXX I am requesting that the item be deleted to correct the information. Please reinvestigate these matter ( s ) and correct the disputed item ( s ) as soon as possible. 

In accordance with the federal Fair Credit Reporting Act ( FCRA ), I respectfully request that you immediately delete the item. Additionally, I respectfully request that you forward to me an updated description of the procedure used to determine the accuracy and completeness of your removal as required by the Fair Credit Reporting Act and confirmation that this information will not be re-inserted. Thank you for your consideration and cooperation. If you have any questions concerning this matter I can be reached at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: GA

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Original Creditor, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Original Creditor, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-09 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:
The accounts below do not belong to me, I do not know whom they belong to, I have never done business with either of these companies. I have tried many times to have them remove this from all three credit reporting companies, and it has not been done, as of yet. This is stopping me from providing for my children and buying a home. 


XXXX XXXX XXXX  Account Opened XX/XX/19 Balance {$12000.00} Account # XXXX XXXX Account Opened XX/XX/19 {$760.00} Account # 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 2020-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: MOHELA
State: IL

Complaint narrative:
These two accounts seemingly sharing an account number, were both opened fraudulently on XX/XX/2015. I've since certify mailed a dispute letter including Identity theft report, affidavit, social, ID, and utility bill for verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: GA

Complaint narrative:
I HAVE NO IDEA HOW THESE INQUIRIES GOT ON MY CREDIT PROFILE. PLEASE REMOVE THESE FRRAUDULENT INQUIRIES FROM MY CREDIT REPORT AND SEND AN UPDATED COPY.

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 2020-07-09 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:
I HAVE NO IDEA HOW THESE INQUIRIES GOT ON MY CREDIT PROFILE. PLEASE REMOVE THESE FRRAUDULENT INQUIRIES FROM MY CREDIT REPORT AND SEND AN UPDATED COPY.

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 2020-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I have contacted the bureaus and creditor about this account and provided them details on how it's being reported inaccurately, but nothing has changed since then.

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 2020-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have contacted the bureaus and creditor about this account and provided them details on how it's being reported inaccurately, but nothing has changed since then.

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 2020-07-09 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: VA

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 10 XXXX XXXX XXXX, 11 XXXX XXXX XXXX, 11 XXXX XXXX, 11 XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX   Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-09 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 10 XXXX XXXX XXXX, 11 XXXX XXXX XXXX, 11 XXXX XXXX, 11 XXXX, XXXX XXXX, AUTOMOTIVE SERVICES, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX   Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX   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 2020-07-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
My father passed XX/XX/2019. He and the woman he lived with are on the loan. Court records indicate that the woman signed the deed over to my father. The woman was also incarcerated and is now in a care center. She has a guardian ad litem and a lawyer ad litem who have not communicated fairly with me. I was unaware of the status of the home. The mortgage company, Quicken loans, aka rocket mortgage, after several attempts of sending in documentation they asked for havent worked with me. This has been going on for over a year. Meanwhile the loan continues to fall in dept. The house, my XXXX house, my home is now facing foreclosure. I have the ability to pay the monthly mortgage and have been paying the utilities since my father passed. Please help me save my fathers house.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: OH

Complaint narrative:
The accounts below do not belong to me, I do not know whom they belong to, I have never done business with either of these companies. I have tried many times to have them remove this from all three credit reporting companies, and it has not been done, as of yet. This is stopping me from providing for my children and buying a home. 


XXXX XXXX XXXX  Account Opened XX/XX/19 Balance {$12000.00} Account # XXXX XXXX Account Opened XX/XX/19 {$760.00} Account # 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 2020-07-09 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:
The accounts below do not belong to me, I do not know whom they belong to, I have never done business with either of these companies. I have tried many times to have them remove this from all three credit reporting companies, and it has not been done, as of yet. This is stopping me from providing for my children and buying a home. 


XXXX XXXX XXXX Account Opened XX/XX/19 Balance {$12000.00} Account # XXXX XXXX Account Opened XX/XX/19 {$760.00} Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: IL

Complaint narrative:
These two accounts seemingly sharing an account number, were both opened fraudulently on XX/XX/2015. I've since certify mailed a dispute letter including Identity theft report, affidavit, social, ID, and utility bill for verification.

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 2020-07-09 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: IL

Complaint narrative:
These two accounts seemingly sharing an account number, were both opened fraudulently on XX/XX/2015. I've since certify mailed a dispute letter including Identity theft report, affidavit, social, ID, and utility bill for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: IL

Complaint narrative:
These two accounts seemingly sharing an account number, were both opened fraudulently on XX/XX/2015. I've since certify mailed a dispute letter including Identity theft report, affidavit, social, ID, and utility bill for verification.

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 2020-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
To make this short and simple : TD Bank closed my account due to credits coming into the bank account with a different company name than the account holder. I was told by the bank i would receive a letter in the mail and a check for my $ XXXX and some change but that has not happened. It has been 2 months since the bank claimed to be investigating my account, and i still have not heard from them. 

I had my attorney get in contact with the legal department but the rep there does not reply and if she does its with vague information. 

All i want is my money in the account which is a little over {$25000.00} XXXX these funds are 100 % legit, and therefore should not be held XXXX Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Accurate Background
State: AL

Complaint narrative:
I WAS HIRED BY AN XXXX XXXX XXXX XXXX FRANCHISE LOCATION IN XXXX, ALABAMA BY XXXX XXXX THE OWNER ON XX/XX/2019. I BEGAN WORKING AND TAKING THE REQUIRED CONTINUING LEARNING CREDITS ON XX/XX/2019. XXXX WAS AWARE AT THE TIME OF HIRING ME THAT I HAD BEEN IN SOME TROUBLE WHEN I WAS MUCH YOUNGER. SHE DID NOT ASK FOR A FULL EXPLANATION, BUT SHE KNEW. MY BROTHER 'S GIRLFRIEND XXXX XXXX ALSO WAS HIRED, BUT SHE WAS HIRED AS A CUSTOMER SERVICE REP. AFTER THE XXXX AND XXXX XXXX HOLIDAY, I WAS ASKED TO START WORKING AT XXXXXXXX XXXX OTHER XXXX XXXX XXXX XXXX LOCATION IN XXXX, ALABAMA. ON XX/XX/XXXX, XXXX ADVISED ME SHE HEARD SO WHISPERING IN THE OFFICE ABOUT " SOMEONE '' WORKING THERE THAT HAD A BACKGROUND. LATER THAT DAY THE OFFICE MANAGER XXXX MADE AN ANNOUNCEMENT THAT THEY WERE RUNNING BACKGROUND CHECKS ON EVERYBODY IN THE OFFICE. SUBSEQUENTLY AFTER THE ANNOUNCEMENT WAS MADE XXXX CALLED THE XXXX LOCATION AND ADVISED ME THEY WOULD BE RUNNING BACKGROUNDS ON EVERYBODY IN THE OFFICE BECAUSE OF A NEW REQUIREMENT FROM CORPORATE. I WAS NEVER ASKED WAS IT OKAY. I WAS NEVER ASKED TO SIGN A CONSENT TO RUN THE CHECK, NOR WAS I GIVEN A PRE OR POST ADVERSE LETTER. AFTER THE BACKGROUND CHECK CAME BACK I WAS TERMINATED FROM THE COMPANY BY XXXX. I CONTACTED THE COMPANY THAT RAN MY BACKGROUND CHECK BECAUSE THEIR WERE INCORRECT INFORMATION. THE LADY THAT I SPOKE WITH ADVISED ME THEY REQUIRE THEIR CLIENTS TO CHECK A BOX WHEN THEY ARE ORDERING A BACKGROUND CHECK STATING THEY HAVE WRITTEN SIGNED AUTHORIZATION TO RUN THE CHECK. THAT NEVER HAPPENED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I was originally charged in two separate payments for a condo vacation rental that I disputed and they sent a rebuttal back which I then disputed with further proof as to why I was entitled to a full refund, I originally didnt realize there were 2 separate case numbers and capital one requires that you send proof with the case number and amounts. I sent all of my proof by fax in writing with documents but only mentioned one case number, when they credited my account on the XX/XX/XXXX I then realized I needed to fax copies with the other case number as well, which I did on the XXXX. The paperwork says to give them 10 days to respond. The paperwork also said the deadline to further dispute was XX/XX/XXXX. On XX/XX/XXXX I called the dispute department to see what was going on as to why the credit had been but on my account for the one charge and not the other. The guy said he didnt know what happened that it does show they received the fax on the XXXX that he was sending me over to a different dispute department so they could further investigate what happened. Once talking to another customer rep he tells me they didnt receive it that it could have been lost or something and I told him the guy I spoke to before said it showed they received it. He told me to just fax it over again which I did on that same day and today XX/XX/XXXX I got a document saying I missed the deadline to dispute this charge. I have proof that I faxed it on the XXXX and that it was received on top of their employee telling me they received it. The payments were {$460.00} and {$400.00}. The {$400.00} charge is what they have not credited. The case numbers are XXXX and XXXX

Company response to consumer: Closed with monetary relief