vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-09 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: FL

Complaint narrative:
It has been MONTHS since I received a response or an update from the bureaus. It is my understanding that the bureaus have 30 days to respond to a dispute. Since XXXX I have received absolutely nothing! I've even tried to mail letters certified mail which costed me more money. I have the tracking numbers from XXXX with XXXX  : XXXX, XXXX  : XXXX, and TransUnion : XXXX. I have gotten results before. I've been mailing letters to the same address. The items that are wrong are : **I am demanding proof of these account validations or deleted from my account. 

1. This belongs to someone with a similar name Chapter XXXX  Bankruptcy Case Number : XXXX Please remove this inaccurate information from my credit report. 

2. Validate Account Chapter XXXX Bankruptcy Case Number : XXXX Please investigate and delete from my credit report. 

XXXX. The creditor has not validated the debt after many attempts to do so. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

4. Creditor has not been identified nor has any contact information been provided for the creditor. 
XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

5. Account status and comments are incorrect XXXX Account Number : XXXX Please identify the Creditor and provide validation of this account. 

6. The creditor has not validated the debt after many attempts to do so. 
XXXX  XXXX  XXXX  Account Number : XXXX Please identify the Creditor and provide validation of this account. 

7. The creditor has not provided validated for this account. 
XXXX XXXX Account XXXX : XXXX Please supply information on how you have verified this item. 

8. The creditor has not provided validated for this account. 
XXXX  XXXX Account XXXX : XXXX Please supply information on how you have verified this item. 

9. Account Status and Payment Status are incorrect XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

10. Creditor has not been identified nor has any contact information been provided for the creditor. 
XXXX  XXXX Account XXXX : XXXX Please remove it from my credit report. 

11. Creditor has not been identified nor has any contact information been provided for the creditor. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

12. This has not been verified. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from 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 explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXXXXXX {$3400.00} XXXX XXXX XXXX CO XXXX {$21000.00} XXXX XXXX XXXX CO XXXX {$18000.00} XXXX XXXX  XXXX XXXX {$2000.00} XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX XXXX  XXXX {$65000.00} XXXX XXXX  XXXX XXXXXXXX {$1600.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING 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 2020-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX {$3400.00} XXXX XXXX XXXX CO XXXX {$21000.00} XXXX XXXX XXXX CO XXXX {$18000.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX XXXX XXXX {$65000.00} XXXX XXXX XXXX XXXXXXXX {$1600.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Hide Details | View your Report | View your credit score was deleted add this back on FCRA violations remove all : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account XXXX Account XXXX XXXX ResponsibilityIndividual Date XXXX StatusAccount charged off. {$24000.00} written off. {$24000.00} past due as of XX/XX/XXXX. 
Status UpdatedAug XXXX XXXX XXXX XXXX  Account XXXX Account TypeCredit card ResponsibilityJoint with XXXX XXXX Date XXXX StatusAccount charged off. {$26000.00} written off. {$26000.00} past due as of XX/XX/XXXX. 
Status UpdatedSep XXXX XXXX  XXXX XXXX Account XXXX Account TypeCredit card ResponsibilityIndividual Date XXXX StatusAccount charged off. {$24000.00} written off. {$24000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I originally disputed this alleged debt with XXXX XXXX XXXX XXXX debt collector ) regarding an alleged returned check of {$280.00} from XXXX and was not provided a copy of the alleged check, account numbers or the bank for which it was allegedly withdrawn upon. Attached is what was provided by XXXX XXXX XXXX. 

( XXXX letter with alleged Affidavit of Correctness and Assignment - XXXX XXXX XXXX XXXX XXXX ) This has lead me to dispute the validity of said debt with burden of proof also falling upon Experian, as they have listed this alleged debt on my credit report, which has negatively impacted my credit for quite sometime. I have disputed this account numerous times with Experian ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX ), to this day, Experian has either not properly investigated the alleged debt or just flat out ignores my request with the information provided. 

Per the letter from XXXX XXXX XXXX on XX/XX/XXXX, and my XXXX report dated XX/XX/XXXX, I have no returned checks showing or outstanding, as XXXX XXXX XXXX has stated in the letter and Experian has continued to report. 

See attached Oregon Gambling Laws. 
XXXX  XXXX - Internet Gambling Specifically Also, a simple internet search indicates, that the Unlawful Internet Gambling Enforcement Act of 2006, no longer allowed online gambaling for monetary purposes in XXXX. So, how could I possibly owe on said debt with a check date of XX/XX/XXXX, per the letter from XXXX XXXX XXXX? 

Finally, you can also see on the internet, XXXX was shutdown in XXXX and fined by the government, due to the Unlawful Internet Gambaling Enforcement Act of 2006. So again, how could I possibly owe on an alleged gambaling debt ( from my research on them ) in XXXX of XXXX? 

See attached XXXX print out from under History. 

After providing these documents numerous times to Experian, they still to this day have failed to correctly investigate or just blatantly ignored my requests for removal of this erroneous debt. 

See attached Unlawful Internet Gambling Enforcement Act of 2006 - If I can get it attached or it can be viewed online. 

Thank you for your attention to this matter.

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 2020-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mandarich Law Group, LLP
State: CA

Complaint narrative:
I had a XXXX XXXX credit card that went to collections and it was purchased by XXXX XXXX XXXX. Since the very first communication with this company they threat me with a lawsuit, they told me I should start making payments on the account to prevent a legal action from them, I decided to make a payments as the representative advised. The representative was truly clear when he said installment payments will prevent a lawsuit, I made monthly payments for four years but this debt buyer made the decision to place my account with a law office ( Mandarich Law Group ) who filled a lawsuit against me, but as I sad the debt buyer promised I wont get suit as long I make monthly payments. I made all monthly payments on time, sometimes I failed but I catch up as soon as I can. I been dealing with a financial hardship for a long time and even with this hardship I made monthly payments to XXXX XXXX XXXX. I attempt deal with the law office of Mandarich Law Group and even asked for a professional help but looks they will not work with a representative of mine ; this leave me alone and in a disadvantage from them. 
My financial hardship began with the separation from my ex-husband and subsequent divorce proceeding and XXXX  XXXX  battle that followed. I spent a fortune for the attorney fees during that legal battle to ensure, I retained XXXX  of my XXXX  and as their father struggled with serious XXXX  issues that jeopardized the XXXX  XXXX. It was the toughest battle of my life. After 18 months of legal proceedings and tens of thousands of dollars later, I regained full XXXX  of my XXXX  and then COVID-19 pandemic happened. All this left me in a very difficult financial position as now the kids are home all day, and attending school all day, and it leaves me unable to maintain a full time employment since I just cant leave the kids alone by themselves and due to the pandemic concern they are still on lockdown in our country. To make everything worst, my kids are part of what is known as COVID-19 XXXX  XXXX XXXX  so is especially important to reduce the risk of getting this infection from their own healthy. This situation has left me with a whole lot of expenses and extremely limited income. 
As I explained, due to a financial hardship I can not afford to pay the balance on the account. XXXX XXXX XXXX has developed a Consumer Bill of Rights, since I am victim of a natural disaster ( COVID-19 pandemic ), I am requesting XXXX XXXX XXXX to apply the article II of the bill mentioned above suspending permanently collection activities and vacate the judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings

Complaint narrative:
I received my first notice from this agency on XX/XX/2020 and was told I would have 30 days to dispute the charges. I sent the company a letter disputing the charges, as instructed, via USPS with tracking information that shows it arrived Monday, XX/XX/2020. I have heard nothing from the company regarding my letter. However, a follow-up letter arrived on the XXXX saying the disputed debt has begun to collect interest. 

When I called company at XXXX that same day, their agent informed me that they have not been notified about my letter and that my credit would be affected if I did not pay. He also informed me that the debt would continue to accrue interest as I wait to hear back from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
XXXX : credit card XXXX ( closed ) There was an issue with TD Bank reporting an incorrect balance due, which was supposed to have been resolved through CFPB complaint # XXXX, per a letter from XXXX XXXX dated XXXX XXXX 2020. 

However, it has been XXXX months, and the negative information still has not been removed from my credit report, and my credit score still shows about 670, when it should be about 800, and was about 800 before TD reported false information. 

Please report to ALL credit bureaus that I do NOT owe TD Bank anything, and there were NO late or unpaid amounts. As TD said they'd do months ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-09 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: PA

Complaint narrative:
Opened CD account with XXXX XXXX XXXX on XXXX XXXX XXXX. XXXX XXXX CD recently taken over by " US BANK ''. 
CD reached maturity on XXXX XX/XX/XXXX. 
Called US Bank on XXXX XX/XX/XXXX at XXXX XXXX. Told my account would be closed and I would be sent a check for sum due. 
Called US Bank again on XXXX XX/XX/XXXX at XXXX XXXX  since check not arrived. Again I was told that the check " was in the mail ''. They informed me that the check was mailed on FRI XXXX XX/XX/XXXX. 
Called US Bank again on XXXX XX/XX/XXXX at XXXX XXXX  since check had not arrived. I was told that the account was not closed/processed until XXXX XX/XX/XXXX and AGAIN told that the " check was in the mail ''. 
Received a letter form US Bank today ( XXXX XX/XX/XXXX XXXX entitled " Recent activity on your CD account ... ''. They were allegedly notifying me that the account was closed. They wanted me to be aware and that no action was required if I was party to the closure of account. I have still not received the funds! 
In my opinion, this is an extraordinary and unwarranted delay in reimbursing me. I have no idea when I will receive funds. If it had truly been mailed on XXXX XXXX, I would have received it by now. They are delaying reimbursement on monies due me ...

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 2020-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2020-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSWORLD SYSTEMS INC
State: SC

Complaint narrative:
Upon checking my credit report, I noticed there accounts that are a result of identity theft. I have been doing everything in my power to get these errors corrected but to avail. I have only ever lived at one address and there are more than fourteen invalid addresses listed on my credit report, I have been given the wrong fax number several times by Transworld Systems so that they could see my identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
I have a collection on my credit that is already paid off that I would like to be taken off the collection is paid in full with, SOUTHWEST CREDIT SYS Originally XXXX XXXX XXXX XXXX Could please help me remove this off of my credit reports they are also still calling me to collect when the debt is paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Business Bureau
State: IL

Complaint narrative:
I have a collection account from an emergency room physician XXXX XXXX XXXX at the time of the visit I had and still have the same health insurance company and my co-pays was paid at the time of the services. This collection is preventing me from purchasing my new home and many other things. I would like this to be investigated and removed from my credit report. I would like to see the original documents that were signed during my visit and receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
Our complaint is against Chase Bank. We do not have a mortgage with Chase, but have been waiting on Chase to act on a land swap that concerns a mortgage they hold. 

History : We entered into a real estate contract to purchase the property on XX/XX/2019. Part of the title work required that the property be surveyed. The survey revealed some problems with the boundaries and, as a result, the surveyor reset the property boundaries to address these problems. This movement of boundaries required that Chase, the mortgage holder on the adjacent property, sign off on the land swap. The movement of the boundaries did not diminish the amount of land associated with the property on which Chase holds a mortgage. In fact, the size of the property increased slightly. We only require that they sign off on the new legal description so that we can close on the property. 

The title company and real estate agent have provided all documentation Chase has asked for, and in some cases, have provided the same documents several times. There has been no movement on this requirement on Chase 's part, and we are now almost 1 1/2 years later, still waiting on Chase to approve the new legal description. 

This delay has caused financial and emotional stress for all parties, and still there seems to be no interest on Chase 's part to provide the approval needed to close on the real estate contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I received an offer from Quicken Loans advertising to match or beat any mortgage loan offer, or the company would provide a {$250.00} Visa Gift Card. Quicken Loans refused to honor their advertisement. They provided a home loan estimate that was substantially inferior than a loan offer I received from XXXX XXXX, a rival home loan lender. I provided the competing estimate to several loan officers at Quicken loans, and was repeatedly informed that they would not match or beat the offer. At that point I was " passed around '' to several Quicken Loans employees who promised to provide the {$250.00} gift card, but never did. This was essentially a " bait and switch '' scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: KY

Complaint narrative:
Today, I received on my XXXX  Credit report that I was 60 days and 3 payments past due on my Bridgecrest account, as shown below. This is false reporting. I did exactly what was required of me to make payments until my GAP insurance made the final payment. However, when I received the below on my credit reports, I was very disapointed in how Bridgecrests communication process failed. 

My car, XXXX XXXX XXXX, was totaled on XX/XX/XXXX. Prior to this accident there were zero late or missed payments to Bridgecrest. Below are records from my account on Bridgecrest on or about 70 days ago. Records also showed that I made payments on XX/XX/XXXX and XX/XX/XXXX. Records also show below that Bridgecrest reimbursed me for all payments made since XX/XX/XXXX. The reimbursed check amount, along with the check # and date match exactly the payments I made over the last 70 days. Again, prior to this there were zero late or missed payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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 — Problem getting your free annual credit report
Company: LEXISNEXIS

Complaint narrative:
- I've got multiple account denials citing LexisNexis Report. I've been ordering NexisLexis reports since XXXX, I never received any copy or disclosures. 
- Recently in XXXX, the month of XXXX and XXXX, I requested the report through a paper application form - which was submitted on XX/XX/XXXX following an inquiry on XX/XX/XXXX. 
- Lexis Nexis on XX/XX/XXXX informed me that they mailed out a link for me to download my file. I however never received any documents - consistent with all of my experience with Lexis Nexis - I never received anything. 
- I followed up on XX/XX/XXXX, Lexis Nexis refused to look into my file. The same customer service agent, XXXX XXXX  XXXX, constantly puts my inquiry into the loop ( request to be followed up and never sent out my paper work ) - LexisNexis ignored my XXXX XXXX XXXX complaint and now I'm out in the cold without my consumer report and my right to my information is violated severely by the company. I can't even get a bank account that uses LexisNexis system.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE THAT I AM NOT LIABLE TO. PLEASE HAVE THE NEGATIVE ITEM OFF MY CREDIT FILE.

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