vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: SD

Complaint narrative:
I have never had an account with the XXXX XXXX XXXX. There have been numerous phone calls contacting them and they have confirmed that no such account ( s ) have ever existed with them. They sent me a letter indicated that it would be removed from my credit report yet ; it/they are still being reported. I would like the accounts they or someone created, removed from my credit report. Also, there was an account with XXXX XXXX that was paid in full and is now reflecting a zero balance but is being reported as a charge off and not as paid in full. I was told by XXXX XXXX, XXXX, and provided written verification that the account was paid but they are indicating that it is being reported as a charge off by the original creditor which is comenity bank even though it was paid. It's is just a lot of run around and I keep being told by the companies ' representatives to keep disputing these items with the credit bureau and the credit bureaus just don't remove them ( even with written proof ) or they remove them and put them right back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Advanced Resolution Services Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX AM ( XXXX minute ago ) to me I hereby give you official notice that I have been subject to your company 's improper management of my private information, which has been distributed to parties unknown to me, for profit, without my consent or breached by malicious hackers. Being that I have the inalienable right to 100 % control and protect my private information, I am hereby proclaiming that your company no longer has the right to right to use my private information in anyway unless you get consent from me by calling XXXX or emailing me at XXXX. 

YOUR COMPANY NO LONGER HAS THE PERMISION TO PARTICIPATE IN THE FOLLOWING ACTIVITIES WITHOUT CONTACTING ME VIA EMAIL OR PHONE FIRST : 1.Storing and Furnishing my information without my VERBAL/WRITTEN consent without first calling me at XXXX or emailing me at XXXX. 
2.Using, supplying OR updating my information without my VERBAL/WRITTEN consent without first calling me at XXXX or emailing me at XXXX XXXX 
3.Selling my information without paying me first and calling me at XXXX or emailing me at XXXX I demand all on the grounds that all of my information is private and inherently belongs to me with all rights reserved by me, to me and me only. I repeat you must contact me before DOING ANYTHING with my private information at XXXX or emailing me at XXXX XXXX 

Also, I resend/void all consent for you to use my information I any way, rather its written, spoken, or implied, given unknowingly/knowingly, from me. If you claim that your company has such claimed consent, I contest that such was granted unknowing and/or I did not fully understand the terms and I was not issued full/clear/intelligible disclosure of such. Such a method of gaining consent is unscrupulous and fraudulent in nature ; hence I challenge the grounds in which you use to gather such illusive " consent '' from un expecting consumers as myself. 

I demand a report of all information that you have on me and a list of parties who you have furnished such information too without my consent. 

I will not furnish you with an address because I do not have XXXX ; as I am currently XXXX XXXX XXXX. If you try to force me to produce an address to correspond with me or allow access my information, please be advised that such is discrimination against a XXXX XXXX XXXX person, and I will immediately report such. Company policy does not supersede rights and protection laws. My contact information is XXXX or emailing me at XXXX. This is all I have and all you will get. 

Attached is Identification to Verify my Identity : Military ID : Front and Back Passport Social Security Card

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC
State: WA

Complaint narrative:
Payment was sent on the XXXX of XXXX from my XXXX account and was never processed at the XXXX processing payment center until the XXXX of XXXX. 

So I sent copies of my bank documents showing it was sent in plenty of time, yet I know am being charged a late fee, for sending my payment 6 days prior to being officially late on the XXXX. 

Apparently I as well as many have experienced this same issue without resolution obtained from the XXXX Nevada XXXX XXXX, who apparently handles the XXXX Payments?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This account is inaccurate and an FCRA violation. XXXX. XXXX XXXX # XXXX I'm unaware of this account and did not receive notification about of debt. If you believe you provided notification, please PROVIDE CERTIFIED RECEIPT. Also, please provide Assignment of Debt, Validation of Debt, and Method of Verification. Not to mention you would be in violation of my HIPAA Rights. Please honor all request of documentation.

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 2022-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This account is inaccurate and an FCRA violation. XXXX. XXXX XXXX # XXXX I'm unaware of this account and did not receive notification about of debt. If you believe you provided notification, please PROVIDE CERTIFIED RECEIPT. Also, please provide Assignment of Debt, Validation of Debt, and Method of Verification. Not to mention you would be in violation of my HIPAA Rights. Please honor all request of documentation.

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 2022-01-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: AL

Complaint narrative:
Refinance Fraud, Loan Modification Fraud, and Insurance Packing letter sent requesting info XX/XX/2021 mortgage loan research XXXX XX/XX/2021 Fay Servicing {$15000.00} XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXX amount due unknown XXXX XXXX XXXXXXXX XXXX amount due to unknown flooding my mailbox with mail and uncertified threats no notice letters for loan transfers

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX I was phished by someone fraudulently saying they were from Wells Fargo ( the bank I was using at the time ) and that I needed to transfer money from my account through XXXX to them. They claimed that there had been unauthorized charges to my account. They walked me through steps that allowed them to open a XXXX account in my name. I transferred {$1400.00} to an unknown person. Once the transaction was complete the phone went dead. I tried calling back but the number was disconnected. When I explained what happened to Wells Fargo I was told that a fraud case would be opened and the matter would be looked into. After 10 days they informed me that they will not be crediting the money back into my account.

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 2022-01-05 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: MI

Complaint narrative:
I filed chapter XXXX in XXXX and included all cases that were reporting negative and inaccurate information as well as dismissed cases or cases with no monetary judgements. In XXXX of XXXX Transunion credit reporting agency reported items that were included in my bankruptcy and refused to remove

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 2022-01-05 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: PA

Complaint narrative:
To whom this may concern : I am writing you today because well over 30-days I sent in a detailed letter to TransUnion requesting that they investigate false collections accounts that does not belong to me but were reporting on my credit account. I asked for the results of the investigation in clear details via letter and my request was unmet. 

This information is a violations of my right under federal laws 15 USC 1692 ( g ) ( a ) " Validation of debts ''. 15 USC 1681i ( a ) ( XXXX ) ( B ) ( XXXX ) " Notice of results of reinvestigation '' and lastly 15 USC 1681i ( a ) ( XXXX ) ( A ) ( XXXX ) " Treatment of inaccurate or unverifiable information ''. I've tried to settle this with TransUnion for months now but they refuse to send me the information that I've asked. 

My rights are being violated and they are not living up to their standards of guaranteeing complete fairness and accuracy of credit reporting under the FCRA. Please assist in anyway that you can and I greatly appreciate it in advance.

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 2022-01-05 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: IL

Complaint narrative:
I SENT A DISPUTE TO TRANSUNION, XXXX AND XXXX IN XX/XX/2021. EVERYTIME THEY ARE SENDING BACK MAIL SAYING THE ACCOUNTS HAVE BEEN VERIFIED WITH NO PROOF OF INVESTIGATION. THE ACCOUNTS THAT ARE BEING DISPUTED ARE XXXX XXXX XXXX XXXX WHICH THERE ARE THREE ACCOUNTS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX AND XXXX XXXX XXXX. THESE ACCOUNTS ARE REPORTING DIFFERENTLY ON ALL THREE CREDIT BUREAUS. THEY ARE NOT CONSISTENT ACROSS THE BOARD. I NEED THEM REMOVED AS SOON AS POSSIBLE. ALSO TRANSUNION AND XXXX HAS CREDIT INQUIRIES WHIC I DISPUTED BUT THEY TOLD ME TO CONTACT THE PROVIDER. ALSO MY NAME IS NOT REPORTING CORRECTLY ON TRANSUNION. I ONLY WANT ONE ADDRESS TO SHOW WHICH IS XXXX XXXX ON ALL REPORTS.

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 2022-01-05 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: FL

Complaint narrative:
I recently became aware that someone has been using my social security number to open checking accounts, lines of credit and car loans. There has been multiple applications to companies i am not associated with and the amount of inquires on my report are starting to hurt my score. 

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 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 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 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 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 2022-01-05 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:
I recently became aware that someone has been using my social security number to open checking accounts, lines of credit and car loans. There has been multiple applications to companies i am not associated with and the amount of inquires on my report are starting to hurt my score. 

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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: FL

Complaint narrative:
I received a letter from USBank lowering my credit limit from {$5000.00} down to {$2500.00} causing an alert from XXXX lowering my score negatively from XXXX down to XXXX. I have excellent credit, never been late on any credit cards and have stayed with-in the credit limit assigned. I have no collections or bankruptcy. I have a positive checking account and never missed a payment on any other bank product which were paid off as agreed. I've been a great customer. 
I have written several letters to USBank for help and an explanation but to no avail. I have made several calls to customer service, they put me on hold for supervisors and never come back. I was denied an important work contract because my credit character is compromised because of my low XXXX score. I am now viewed as a dead beat, out of work for no apparent reason whatsoever.

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 2022-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
XX/XX/2019 I was a victim of identity theft. I did not realize my information was compromised until I got an alert on my credit report that someone open up student loans and theyre located in California XXXX Our place locks on my credit report and spoken with that particular student loan company and filed a police report. 

Affirm, XXXX and XXXX  XXXX accounts are fraudulent. Ive never authorize my credit to be ran nor have I had his account. I have submitted several I didnt need their reports and complaints to the credit bureau stating I was a victim of identity theft. Including XXXX reports and police reports. This has been a traumatic situation it has been a big hindrance on my credit. I had took all the precautions I can take on my to prevent my information to be used in the future but unfortunately there its still being used. Ive also notify the credit bureaus that I will be filing complaints and they responded to my letter only saying that this information was updated. I have my account and his phone calls, sent letters and uploaded documents to all three credit bureaus, XXXX, XXXX, and XXXX and nothing was done. This has been going on for months but unfortunately Im the only one affected and I will be filling additional complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I already had a Citi XXXX for many years. One day in XXXX or XXXX of XXXX I was looking at the credit card account online, and an offer to get a Citi Checking Account popped up. It said that they would give me a {$200.00} bonus for opening a new account if I deposited and maintained a {$3000.00} balance. I attempted to open the account online, but it wouldn't go through. They provided a number to call in case of any problems ( XXXX ext XXXX ). I talked to a representative who opened the account over the phone and he said I would receive the identical promotion mentioned online. I have called Citi several times since then to ask for the {$200.00} promised, and each time they have an excuse. First it was that I hadn't submitted a Form XXXX ( not true, as I received their new account welcome kit and mailed it then ). Over the last 7 months I mailed a XXXX to them XXXX times and faxed it once. Now they have the XXXX registered on their system, but the new excuse is that they can't find the details of the promotion code the Citi Phone XXXX entered . I personally called the phone number above and asked them about this ; the rep was immediately able to give me the promotion code that their rep entered ( XXXX ). Since I was able to get the information immediately, don't you think that the " customer service '' people I've been dealing with would also be able to verify this and fulfill their part of the bargain? During the account opening process, I took screen shots, and downloaded the terms and conditions of this offer. I offered to e-mail them all of this proof but they said they can not accept e-mails. I think I have waited long enough for this offered to be fulfilled. They appear to be just ignoring me, hoping that I will give up and go away. I am tired of being treated like this, and deserve to receive the promotion that I signed up for. I am attaching to this complaint the screen shot of the promo, plus the terms and conditions I downloaded from the Citi web site. Thank you for your assistance.

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 monetary relief
Consumer complaint received 2022-01-05 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: GA

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

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