vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute the following information that XXXXXXXX XXXX Account supplied your company. I have highlighted in yellow the items I dispute on the attached copy of my credit reports. 


This account was verified & accurate, however there are several inaccuracies on this account being reported. All the bureaus are reporting different information. Also, on XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 I disputed XXXX XXXX  Account. However, the Date Updated did not change. It appears that no investigation was done. I am requesting deletion because the procedures were not followed outlined in the FCRA. 

Transunion has committed several FCRA violations by not conducting a thorough investigation and by also reporting 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 non-monetary relief
Consumer complaint received 2022-02-08 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: CA

Complaint narrative:
I have an inaccurate 30 day late from an old Mortgage account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA ) currently being reported on my credit. The account is paid/closed from XXXX with XXXX XXXX XXXX This error has been reported by only Equifax as recent as XX/XX/XXXX. 
I've contacted both the creditor ( XXXX XXXX ) and the credit bureau ( Equifax ) about this discrepancy. Both have been non responsive to my request to correct the error on my credit. 

XXXX requested a copy of my credit report which I sent them on XX/XX/XXXX. 
I've also disputed this error with Equifax because of all 3 bureaus they're the only bureau reporting this error as recent as XXXX. 
As I stated before this account has been paid and closed since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TrueAccord Corp.
State: KS

Complaint narrative:
I have a right to better myself and my XXXX XXXX  also. I have been disputing this same company for years! They call themselfs XXXX XXXX XXXX. 

I have submitted Disputes with XXXX, XXXX, and XXXX credit reporting AGENCYS. They keep popping back up after a couple months. I don't know these people. In my disputes all I want is account numbers and dates! 

Now XXXX XXXX XXXX THREATENED ME IN MY EMAIL ACCOUNT! She told me to hit unsubscribe but that is not going to stop here from getting a full amount due back in 2015. I can't afford an attorney on my Social Security checks! She was ranting on about suing me in courts. I have snap shots of these threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: NY

Complaint narrative:
Since XX/XX/XXXX my mortgage has increased by {$2400.00} monthly from {$3500.00} to {$5900.00}. Upon inquiry, I was informed that the increase was due to a and escrow shortage in the amount of {$19000.00}. I requested an investigation and it was found that a check in that amount was sent out to me on XX/XX/XXXX of XXXX XXXX and was cashed in XX/XX/XXXX of XXXX. This check disbursement is the express reason for my escrow account being short, ( shortage amount {$19000.00} ) and as a result, my payment has significantly increased to close the {$6000.00} a month. 
I am unable to pay that amount, naturally and am requesting an escrow analysis to determine why my account is constantly showing either an overage or a shortage in order to stop this problem from arising again. This is the second check that was sent to me, the first being in the amount of {$12000.00} in XXXX. At the time, I called and inquired about the funds and was told it was an overage and that it belonged to me. 
I have been ready to make my usual mortgage payment of {$3500.00} and requested permission to make payment until this shortage issue could be solved but was told by customer service reps that they could not take partial payments. I was advised to request a shortage spread over thirty-six ( 36 ) months so that I would be able to afford the payments and sent a written request in XXXX but have yet to receive a response. I have called numerous times and spent many hours on the phone trying to rectify this, as documented in call logs and your customer representatives notes on my account. Meanwhile my account is three ( 3 ) months overdrawn and I received a foreclosure letter this past weekend. As you can imagine, this is very frustrating and worrisome, as I have been attempting to make contact and receive a resolution to this problem for close to 3 months. As a result, my credit has been negatively affected and I am being charged late fees on a monthly basis.

I am requesting an escrow analysis to determine the cause of these discrepancies/ disbursement, and seek a reasonable resolution to this problem so that I may return to good standing on my mortgage. Up until this time, I have not missed or been late on my mortgage payments for the three ( 3 ) years that I own my home. I do not wish to lose my home, especially when this is a problem not of my own creation. When I received guidance and payment from my mortgage company, not once but twice, I would never have assumed this was done in error. I called and inquired before and was assured it was an overage. I don't understand why I am being penalized for the internal error now. Please research this issue with my account and advise me on all of my options. I have also been interested in refinancing and am concerned this issue may upset my chances and ability to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX / XXXX / {$1700.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: GA

Complaint narrative:
Per my complaint # XXXX, EXPERIAN INFORMATION SOLUTIONS , INC. , claims to have conducted an investigation that leads them to believe that the information for XXXX XXXX XXXX Account beginning with : XXXX is reporting accurately. 

Also, my name has not been corrected as I have never gone by XXXX XXXX XXXX ever in my life. I have again attached my license as proof that is not my name. 

It has also been brought to my attention that EXPERIAN INFORMATION SOLUTIONS , INC. is furnishing another late payment for XXXX XXXX Account beginning XXXX. The account has been in dispute since XX/XX/2021 with XXXX XXXX XXXX 's legal team. In addition, 15 USC 1666b states that the consumer can not be late for any reason when a credit card account is under an open end credit plan in which this account meets the requirements.

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 2022-02-08 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: UT

Complaint narrative:
i have disputed multiple times with Equifax and the dispute comes back verified. I want actual proof showing that every debt that i have disputed has been verified. I have not got shown anything. I am demanding how they verified that every account has been verified. Including contracts, agreements, written consent that I have agreed to a certain account. I want full documentation to show that i was the one who signed the contract. If not i want everything i have disputed removed and taken off from my credit report that is not mine. Multiple address and phone numbers as well. Confirmation numbers for disputes are XXXX and XXXX. I want equifax to send verification that the accounts were actually verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately.

1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once

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 2022-02-08 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:
I am not an attorney or third-party rep, there are accounts on my credit report that does not belong to me, and believe that this is an act of fraud. I have a legal right to dispute the following account : XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account deleted or updated. These are the items I demanding to be deleted immediately :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Between the time of XXXX and XXXX I was a victim of identity theft and had multiple bank accounts fraudulently accessed. On XX/XX/XXXX, I opened a checkings account through the XXXX XXXX  XXXX and during the time I was a college student so I mainly only used my bank account for day to day things like rent, groceries and paying bills. Moving forward to XX/XX/XXXX my bank account was closed by the bank due to account checking fraud. I was told that there was nothing I could do, so I went on and decided to open checking account at but this time at chase bank. My bank account at Chase was opened XX/XX/XXXX and I was in good standing with that bank account for about a year until I got my identity stolen, because of an incident where my wallet was taken from me. Due to the incident I started seeing unusual transactions happen on my account that later led to my checking account being closed on XX/XX/XXXX. Chase closed my account and I was no longer able to bank at another financial institution after that incident. It is now XXXX and Ive just excepted the fact that these things happen and have ignored the fact that I havent been able to have a bank account for years now and I would like help getting past this unfortunate hold on my life and regain access to a traditional financial institution account instead of using prepaid cards. Majority of these things happened to me between the ages of XXXX to XXXX. I am now XXXX years old going on XXXX and I would like to get help figuring out what I could do in order to regain access to a traditional checkings and savings account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: WA

Complaint narrative:
XXXX is reporting XXXX account that is past the statute of limitation. Reporting to XXXX account with the same account number but with two different amounts and is also reporting accounts open when they're closed accounts not marked as sold or transferred accounts was sold but still showing balance shows difference with XXXX reporting accounts that has been paid in full or with zero balance

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 2022-02-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I reached out to Aidvantage via mail. They received my certified letter in the mail on XX/XX/XXXX. Aidvantage did not answer anything pertaining to my letter. The just simply concluded that my letter was regarding to identity theft, and it was pertaining to them. I wrote them and informed them that I never gave them permission to have alleged loans in my trust name " XXXX XXXX '' transfer to them from XXXX, and charge me with an alleged debt without proving to me that this debt belongs to me. In my letter informed Aidvantage company to cease and desist phone calls to the number that they have on file for me and any references. An individual contacted me by phone from the fraud department, which makes then in violation to the FDCPA 15 USC 1692c ( a ) ( 1 ). It was an inconvenient time for me because I was at work when they called XX/XX/XXXX @ XXXX. Aidvantage also sent me a letter with their name stating that they were a loan service. They violated my privacy because anyone could have seen my name go the envelope and assume I have alleged student loans with this company. This is in violation of 15 USC 1692f ( a ). These two violations per the FDCPA Aidvantage needs to pay be {$1000.00} for each violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX / XXXX / {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX DOB XXXX SSN XXXX Submitted request to remove incorrect data from my credit report as of XX/XX/2021 and got no update from credit reporting company. 

XXXX  XXXX Act # XXXX This account is inaccurate. Please remove. 
XXXX XXXX This account is incorrect. Please remove. 
XXXX XXXX XXXX This account is inaccurate and needs to be removed.

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 2022-02-08 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: NJ

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 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 2022-02-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Experian has me blocked from initiating any dispute. For months now they tell me that they are experiencing technical difficulties. My credit report is also not available through XXXX as I recieve the message that a condition exists that prevents them from fullfilling my request. You call and their people tell you that the site is experiencing difficulties and to try again later but months go by with no resolution. I can't help but feel this is punishment for submitting previous disputes. I can not get a resolution to my issues in accessing my own information which they seem to be holding hostage.

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 2022-02-08 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: FL

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08 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: FL

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08 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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

Company response to consumer: Closed with explanation