vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-20 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: PA

Complaint narrative:
Hello, 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 non-monetary relief
Consumer complaint received 2021-12-20 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: PA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: NJ

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Recovco Mortgage Management, LLC
State: TX

Complaint narrative:
I have been under contract to purchase since XX/XX/21. The Lender, Sprout Mortgage, has delayed the transaction multiple times. After receiving the contract, the loan was never disclosed. I have never received a Loan Estimate. It took weeks for the initial appraisal to be ordered. Now I have been charged for 4 different appraisals, none of which have been completed. I still have not received an actual appraisal report. Now they want to charge for a 5th appraisal, having only refunded 2 of the previous 4 charges. I have asked repeatedly for management to reach out to me and have not received a single follow up. I have emailed their info desk, asked my LO, as well as the account executive for managerial follow up and nothing. I have lost out on my earnest money, {$1000.00}, and am still waiting for the 2nd ( {$1200.00} ) and 3rd ( {$760.00} ) appraisal fees to be refunded. Sometimes the LO, XXXX XXXX, and processor, XXXX XXXX, will go days without replying to me. This really has been the worst mortgage experience ever. I hope no one ever has to be played with and defrauded like I have been.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

XXXX 1. Identity Theft LVNV FUNDING LLC Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

4. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/2021 This is not mine. 

7. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

8. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

10. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

11. Identity Theft XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2021 This is not mine. 

12. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

13. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

14. Identity Theft LVNV FUNDING LLC Account Number : XXXX This is not mine. 

transunion 1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/2021 Equifax dropped my score by XXXX points without due cause and refused to tell me why this had happened. Spoke with Equifax on Monday XX/XX/2021. XXXX XXXX transferred me to XXXX XXXX who transferred me to XXXX XXXX. All said they were unable to tell me why my score had dropped and offered to send my report. The problem is the score dropping without cause. There has been no such drop from the other two bureaus because there is no reason for a downward adjustment. I have an excellent payment record and 14 % utilization with no new negatives. This has caused great distress as I have carefully raised my score from bad to good over the last two years. I have studied credit and understand how it works. Compared to my other reports, my Equifax report is fraudulent and full of errors. It contains incorrect addresses, names and accounts which could lead to fraudulent accounts being opened and I will dispute them separately from this issue. This has been very emotional for me as a drop this huge is very traumatizing to someone who has worked so hard to raise their score. There is part of me that feels that this score drop is racially motivated. While this is ongoing I am suffering punitive and emotional damage as I was in the process of buying a car. My current unfair and unexplained Equifax score decrease is preventing my efforts to secure financing. I need an explanation, a reversal and restoration of my hard earned Good rating. They need to correct their error. There is not a valid reason for Equifax to have lowered my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: EQUIFAX, INC.
State: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I recently pulled my reports and noticed you are reporting the incorrect account name for this account ( U.S. BANKRUPTCY COURT - XXXX ). Because the account name being reported by your company and XXXX are different ( XXXX XXXX XXXX XXXXXXXX XXXX )., this means the account has not been properly verified. Please delete this account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My mailing address is not being reported accurately on my consumer report with Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-20 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2021-12-20 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : 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 non-monetary relief
Consumer complaint received 2021-12-20 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: NC

Complaint narrative:
I have not received any confirmation on how you have validated the alleged account attached in Exhibit A and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. ***** ( copied from the affidavit attached ) ******

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-20 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: CITIBANK, N.A.
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft CITI Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
Paypal limited my account because due to a dispute they claimed I owed them money. I paid the disputed amount and owe nothing to PayPal. I have requested they close my account permanently and remove all banking information from their system. They have refused and want me to provide copies of a bank statement, a copy of my driver 's license and additional personal information to close my account. There is no legally justifiable reason the need additional personal information to close my account considering they verified I was calling them on a phone registered in their system and also verified my email address associated with the account. I believe they are merely using this as an attempt to mine data that they can sell or otherwise use to profit. I request your assistance in resolving this issue

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: CA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-20 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stuart-Lippman and Associates, Inc
State: OH

Complaint narrative:
XX/XX/21 XXXX Trying to collect a debt thats not mines. 
Pursuant 15 USC 1692e. ( 2 ) ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
XX/XX/2021 : I XXXX out the balance in my account and tried to close my account on the website. However, I was given the following message : " Oops '' We are not able to close your account at this time, please contact Bluebird Customer Service at XXXX. '' I then called that number and went through all of the options but the entire system appears to be automated and there's no way to speak to a representative. The automated system also does not have any options to close the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-20 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2021 I applied on XXXXXXXX XXXX  website for the Visa Signature Rewards Card issued by Chase. The website said the application was unable to go through ( I do not remember the exact reason it said ). I was going to try and apply again on the website but I looked at my credit report from XXXX on XXXX XXXX and saw that I had a hard inquiry from Chase. I then have been going back and forth calling XXXX and Chase to figure out the problem. XXXX says that they have no application processed from me, even though the website shows that I applied, and Chase says they never received an application from me. I know the information was entered correctly because it is showing on my credit report. Long story short, XXXX directed me to Chase, who then directed me to XXXX, who then directed me to FTC.gov, which then directed me to y'all. I would like to either have the application fully processed if possible, or at the very least have the hard inquiry taken off since the application was never processed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI

Complaint narrative:
USAA has sent four emails advertising an auto refinance rate of 0.49 % APR. However, upon completing the application and with excellent credit and debt to income ratio I received a rate of 1.89 %. Additional details as follows : I received four emails between XX/XX/XXXX and XX/XX/XXXX advertising the 0.49 % interest rate. The USAA site was down on XX/XX/XXXX so I completed my application on XX/XX/XXXX. The lowest interest rate offer I received was 1.89 %. I thought I made an error in selecting the 0.49 % offer so I went back to the USAA email and clicked on the link. I was taken to a landing page where the 0.49 % offer was still available and completed another application. Upon the completion of that application the interest rate remained at 1.89 %. 

On XX/XX/XXXX, I contacted USAA to discuss why the offer advertised was not the one received. The call center rep told me that I received their lowest APR offer available. I informed her that the rate advertised in the email was much lower and I would not have applied for the interest rate they are offering. Clearly the lowest offered rate is not the same as the 0.49 % interest rate that they are advertising, and they are baiting customers to apply based upon false advertising.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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