vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-08 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: CORELOGIC INC
State: OH

Complaint narrative:
These bad addresses is a big problem for me, I found addresses that I never lived at on my credit report. My name is XXXX XXXX XXXX please remove any other name from my file it is not accurate. my SS Number is XXXX my date of birth is XXXX. Please delete these no good addresses that are not mines : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete these phone numbers not my numbers : ( 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 2020-03-08 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: ID Analytics, Inc.
State: OH

Complaint narrative:
These bad addresses is a big problem for me, I found addresses that I never lived at on my credit report. My name is XXXX XXXX XXXX please remove any other name from my file it is not accurate. my SS Number is XXXX my date of birth is XXXX. Please delete these no good addresses that are not mines : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete these phone numbers not my numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: OR

Complaint narrative:
I applied for a mortgage on XX/XX/XXXX with a Float option. The loan officer accidentally had me sign a Lock option. She told me that one will be discarded. I asked to exercise my Float option, but the told me it was already locked. I provided a copy of the Float document I had signed. They told me it was locked. They changed the 'signed on ' date of the original accidentally submitted lock document to make it look like I had submitted the lock agreement three days after the Float. They have not responded to my numerous requests to address this. Then today I fing they changed my home insurance to show they are the third party interest on XX/XX/XXXX. I have not signed closing documents yet. They have not yet set an appointment to sign. I request they accept my request to cancel the loan and to refund the money I prepaid them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 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: TX

Complaint narrative:
Filed a written account dispute claim with Experian that was processed on XX/XX/2020. The claim was for an account I did not recognize and requested the lender and the debt collector provide verification documents regarding an account with XXXX XXXX XXXX/XXXX XXXX, XXXX debt collector. I also sent a written notice to the lender and the debt collector requesting verification documents. I received my latest credit report today XX/XX/2020 from Experian and the account in question is still listed. Subsequently, I immediately checked the status of my dispute with Experian to see what the results, if any, had been provided. According to the Experian dispute center this account is STILL under investigation. It has now been 35 days since the dispute was filed and verification documents were requested. According to the Federal Trade commission guidelines set forth in the FCRA the investigation is required to be completed within 30 days. Also, the information is to be blocked during the time of the investigation. As this is day 35 of the documented start date of the dispute, all parties involved, Experian, the lender and the debt collector are in violation of the statute. I have not received any documentation validating the accouts, I have not received any correspondence whatsoever from anyone regarding this dispute. The fraudulent account to this day remains on my credit report and has been cited by several lenders as reason that I was denied credit. I expect Experian, the lender and the debt collector to immediately stop furnishing information on this account and since the time allotted for such as dispute is far past the 30 day mark, this is a direct violation of the FCRA and it is my sincerest hope this complaint will result in the removal of the account from my credit report immediately thus preventing a court ruling to remove the 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 non-monetary relief
Consumer complaint received 2020-03-08 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: EQUIFAX, INC.
State: MS

Complaint narrative:
Failed to remove the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I attempted to purchase an XXXX XXXX off of a seller on the site XXXX on XX/XX/2020 for {$350.00}. The money was sent via XXXX and I paid for it using my Bank of America debit card. I've attempted to notify XXXX and XXXX but I was simply instructed, by XXXX, to request a " reversal '' of the funds. I tried to do so, however I was blocked and was unable. I disputed it with my bank however they declined my dispute.

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 2020-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Failed to remove the 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 explanation
Consumer complaint received 2020-03-08 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: MS

Complaint narrative:
Failed to remove the 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 2020-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am speaking about Transunion, XXXX, and XXXX. The report shows I owed money to the company that I have already repaid. On some of the reports it has duplicate. They are student loans ( dept of education ), some have XXXX also reporting.

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 2020-03-08 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have sent numerous letters to XXXX XXXX  and the credit bureaus XXXX, XXXX  and transunion.I feel that the decision was unfair due to the circumstances.In the event of the information being erroneous and outdated. I have been caused a great deal of stress and anxiety due to my current status of applying for a home loan. I was denied credit due to the late payment. It is also reporting 90 days on one report and 30 days on the other.My credit is very important to me.I take full responsibility for my actions that was not in my ability to control Life happens. Unfortunately, at the time of the incident mentioned above, I had accident that caused me miss a payment hospital stay/injury. I am asking that the late payment be removed and I have a plan to avoid this happening in the near future. My payment history is 99 % which is excellent.

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 2020-03-08 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 — Problem with personal statement of dispute
Company: Flagstar Bank, N.A.
State: MI

Complaint narrative:
I have sent numerous letters to Flagstar Bank and the credit bureaus XXXX, XXXX  and XXXX.I feel that the decision was unfair due to the circumstances.In the event of the information being erroneous and outdated. I have been caused a great deal of stress and anxiety due to my current status of applying for a home loan. I was denied credit due to the late payment. It is also reporting 90 days on one report and 30 days on the other.My credit is very important to me.I take full responsibility for my actions that was not in my ability to control Life happens. Unfortunately, at the time of the incident mentioned above, I had accident that caused me miss a payment hospital stay/injury. I am asking that the late payment be removed and I have a plan to avoid this happening in the near future. My payment history is 99 % which is excellent.

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 2020-03-08 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Filed a written account dispute claim with XXXX  that was processed on XX/XX/2020. The claim was for an account I did not recognize and requested the lender and the debt collector provide verification documents regarding an account with XXXX XXXX Visa/Midland Funding, LLC debt  collector. I also sent a written notice to the lender and the debt collector requesting verification documents. I received my latest credit report today XX/XX/2020 from XXXX  and the account in question is still listed. Subsequently, I immediately checked the status of my dispute with XXXX  to see what the results, if any, had been provided. According to the XXXX  dispute center this account is STILL under investigation. It has now been 35 days since the dispute was filed and verification documents were requested. According to the Federal Trade commission guidelines set forth in the FCRA the investigation is required to be completed within 30 days. Also, the information is to be blocked during the time of the investigation. As this is day 35 of the documented start date of the dispute, all parties involved, XXXX, the lender and the debt collector are in violation of the statute. I have not received any documentation validating the accouts, I have not received any correspondence whatsoever from anyone regarding this dispute. The fraudulent account to this day remains on my credit report and has been cited by several lenders as reason that I was denied credit. I expect XXXX, the lender and the debt collector to immediately stop furnishing information on this account and since the time allotted for such as dispute is far past the 30 day mark, this is a direct violation of the FCRA and it is my sincerest hope this complaint will result in the removal of the account from my credit report immediately thus preventing a court ruling to remove the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have disputed two accounts with XXXX and the credit bureaus. I disputed XXXX personally in house and they claim to have undergone an extensive investigation and said that the debt is mine. They never provided me any kind of method of verification or investigation results or any documents pertaining as proof. I have also disputed alleged accounts with all 3 credit bureaus and XXXX  has marked this as accurate, which i have asked over and over for correspondence/evidence/proof/method of verification and none of them have been able to furnish this information to me ( XXXX, XXXX, Experian or XXXX ) . If there is no verification, this has to be deleted by law. ( FCRA ). I have disputed over the phone, online, and many times by mail. These poor accounts have been stopping be from getting things that i deserve.

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 2020-03-08 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: FL

Complaint narrative:
This is the third complaint because I still can not contact Equifax ... everytime I try to get on their website to find out why they continue to take my credit score down, it says OOPS! Cant seem to get the website to come up ... .. sooooo Im done playing these XXXX games and I have contacted an attorney to solve my problem. You obviously do nothing, youre useless as crap.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 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: CA

Complaint narrative:
I submitted case information to Experian showing that my debt was dismissed by XXXX. I submitted this case information to Experian, who is still showing the debt as due, and they determined that the debt was still owed, even after submitting court information showing it was dismissed, and they just say to work it out with XXXX. Court information is available to the public online, I gave them the case number. They could easily verify this. They should not still be reporting this debt as due.

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 2020-03-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am speaking about XXXX, Equifax, and XXXX. The report shows I owed money to the company that I have already repaid. On some of the reports it has duplicate. They are student loans ( dept of education ), some have XXXX also reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 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: GA

Complaint narrative:
I am speaking about XXXX, XXXX, and Experian. The report shows I owed money to the company that I have already repaid. On some of the reports it has duplicate. They are student loans ( dept of education ), some have XXXX also reporting.

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 2020-03-08 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: CITIBANK, N.A.
State: CT

Complaint narrative:
I applied for a Home Depot credit card about a month ago. At the end of the application it said " we're going to need more information, we will contact you ''. Only that they never did, and I never got any confirmation over email either. 

I was unsure if the application didn't go through properly for some reason, so about a week ( XX/XX/2020 ) ago I tried applying again. This time it said " we're going to need more information, please contact us '' and gave a case number. So, I contacted them. They told me that my 2nd application was rejected because I already had an application open in the system. Then they said that the first application did not go through because of my XXXX  credit report. 

That was surprising, since I've been keeping on top of my credit score through a XXXX service ( using XXXX  ), and my credit score is excellent ( nearly 800 ). 

So next I went to XXXX to get my official credit reports ( XX/XX/2020 ). Two of the credit reports ( XXXX  and XXXX  ) came as expected ( I am happy to share them if they are useful here ). But the XXXX  credit report did not go through. After entering my personal information, it asked me the " identity verification questions '', but none of them had anything to do with me. So I couldn't get that report. 

I tried calling XXXX  to sort out the problem with them, but they could not help me because for some reason they can not verify my information. They suggested that I use their online system, but that didn't work either, for the same reason - I was not even able to " create an account '' on their system. 

I'm honestly not sure what the source of that problem is, or how to go about fixing it. I know that all my credit reports were fine a year ago, because we were buying a house then. So this issue must be recent.

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 2020-03-08 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have disputed two accounts with XXXX and the credit bureaus. I disputed XXXX personally in house and they claim to have undergone an extensive investigation and said that the debt is mine. They never provided me any kind of method of verification or investigation results or any documents pertaining as proof. I have also disputed alleged accounts with all 3 credit bureaus and XXXX   has marked this as accurate, which i have asked over and over for correspondence/evidence/proof/method of verification and none of them have been able to furnish this information to me ( XXXX, XXXX, XXXX  or Transunion ) . If there is no verification, this has to be deleted by law. ( FCRA ). I have disputed over the phone, online, and many times by mail. These poor accounts have been stopping be from getting things that i deserve.

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 2020-03-08 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have disputed two accounts with XXXX and the credit bureaus. I disputed XXXX personally in house and they claim to have undergone an extensive investigation and said that the debt is mine. They never provided me any kind of method of verification or investigation results or any documents pertaining as proof. I have also disputed alleged accounts with all 3 credit bureaus and Equifax has marked this as accurate, which i have asked over and over for correspondence/evidence/proof/method of verification and none of them have been able to furnish this information to me ( XXXX, Equifax, XXXX  or XXXX  ) . If there is no verification, this has to be deleted by law. ( FCRA ). I have disputed over the phone, online, and many times by mail. These poor accounts have been stopping be from getting things that i deserve.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 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: Fidelity National Information Services, Inc. (FNIS)
State: SC

Complaint narrative:
Chexsystems has inaccurate information regarding a checking g account I use to have with XXXX XXXX XXXX 4 years ago. 
Ive talked to them and sent all the documents that show proof. Chexsystems reported : suspected fraud activity on my old XXXX XXXX XXXX checking account which is completely false. 
This is consider SLANDER in America!! 
They need to take this inaccurate information off my credit report IMMEDIATELY! 
What can I do? 
Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation