vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX Date Updated : XX/XX/2017

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 2021-12-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
XX/XX/XXXX I went into the forbearance program with suntrust now truist until XX/XX/XXXX do to the covid pandemic. I paid my taxes and home owners insurance in XX/XX/XXXX as instructed by suntrust now truist I contacted the XXXX XXXX to begin my exit strategy from forbearance in order to have enough time to get all my paperwork completed by XX/XX/XXXX. I called several times a week to get my paperwork my home preservation client representative kept telling me they were behind in sending out the paperwork due the covid 19 pandemic. In XXXX when they did send me out the paperwork it was the wrong paperwork since I was had an FHA load snd wanted to defer my payment doing a partial claim because they never instructed or sent out the correct paperwork I was denied now they have sent me a letter of default I call the 2 to 3 times a week never get the correct information or the same person. My home preservation client representative never call me back I need help please please I have been trying to rectify this situation for 6 months no one at Suntrust listen all I want them to do is the deferral partial claim do that I may begin making my payments again please help 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 non-monetary relief
Consumer complaint received 2021-12-02 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 XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
US DEPT ED XXXX Balance Owed : {$1100.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$3900.00} US DEPT ED XXXX Balance Owed : {$2300.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$7400.00}

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 2021-12-02 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 XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
US DEPT ED XXXX Balance Owed : {$1100.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$3900.00} US DEPT ED XXXX Balance Owed : {$2300.00} US DEPT ED XXXX Balance Owed : {$4000.00} XXXX XXXX XXXX XXXX Balance Owed : {$7400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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 XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRY COMPLETELY FROM MY CREDIT REPORT. 
XXXX  XX/XX/2021

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 2021-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek 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 2021-12-02 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: NY

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WESBANCO BANK, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX I attempted to make a payment via the bill pay system. A new screen with the following language appeared : " We may use a secure, single-use bank card to make this payment. 

By completing this transaction, you hereby authorize us to process a one-time electronic debit from the account you provided, for each payment listed. The funds will be used to pay your bill ( s ) per your instructions given. If you have any questions regarding your payment or wish to revoke this authorization prior to the payment being processed, please contact Customer Service. Once processed, payment ( s ) can not be canceled or modified. Payments made after the cutoff on a business day will be processed the next business day. We recommend that you print/save a copy of this authorization for your records. Click Confirm to complete or Cancel to terminate the payment process. '' I could not submit a payment without consenting to these terms which seem confusing and far reaching. I immediately contacted the bank and asked the following questions : 1 ) Will customers know in advance if the single-use bank card payment option will be used? The clarity of the type of payment ( ie, check, electronic, single-use bank card, etc. ) being used in advance allows the customer to make an informed decision. 
2 ) Will the card recipient be able to contact the bank card issuer to request a check and/or transfer bank card funds to a bank account without incurring any fees?

3 ) What fees, if any, are charged for using this card and/or maintaining a balance on the card? 

I would like CFPB to help me get answers to these questions as well as review the legality of making such a change to bill pay without specific terms being shared with existing customers. 

I have contacted several people that receive regular payments from me via bill pay that have said they would not be willing to accept funds via a single-use bank card instead of a check or electronic payment. 

I want to know what rights I have to refuse the issuance of a single-use bank card on my behalf, especially without advance notice and the actual TYPE of payment displayed at the time of the bill pay transaction is CHECK or ELECTRONIC and not SINGLE-USE BANK CARD.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: VA

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: CA

Complaint narrative:
This are the items showing on my credit report that are not belong to me.Im doing this complain to clear fraudulent accounts on my credit report. 

XXXX XXXXXXXX inquiry date XX/XX/XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$9100.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$5100.00} XXXX XXXX XXXX XX/XX/XXXX {$62000.00}

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 2021-12-02 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: CA

Complaint narrative:
This are the items showing on my credit report that are not belong to me.Im doing this complain to clear fraudulent accounts on my credit report. 

XXXX  XXXX inquiry date XX/XX/XXXX XXXX XXXX  inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX {$9100.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX {$5100.00} XXXX XXXX XXXX XX/XX/XXXX {$62000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: SC

Complaint narrative:
XX/XX/2021, XXXX XXXX XXXX sent me a verification letter after I complained about them trying to collect a debt that is not mine on the Consumer Financial Protection Bureau website. Even my name and address are inaccurate on the letter. Please check the attached files. I have not given XXXX XXXX XXXX written consent to collect a debt. I have not signed a document to pay XXXX XXXX XXXX. Ask XXXX XXXX XXXX to provide proof of written consent that I agree to payingXXXX XXXX XXXX. I have not given XXXX XXXX XXXX my social security number. I am providing my birth certificate to show my full name. I am providing my utility bill for proof of address. XXXX XXXX XXXX has violated several laws listed by the FEDERAL TRADE COMMISION. The Fair Debt Collections Practices Act, LAWS have been broken by XXXX XXXX XXXX. 15 USC 1692 subsection 804, subsection 805, subsection 806, subsection 807, subsection 808, subsection 809 and subsection 812.

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 2021-12-02 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: AL

Complaint narrative:
I have disputed this account with the CFPB already and you guys did nothing to ensure me that this information would get fixed. I have reported this account countless times with the credit bureaus and the still continue to report inaccurate information. The last payment made on this account was XX/XX/XXXX, then the first missed payment was XX/XX/XXXX. All of the proof is I. The files. Yet Experian is report all of the information on this account wrong. As you can also see in the files, they are stating the last payment was made on XX/XX/XXXX which is wrong, then they are stating the account went delinquent XX/XX/XXXX which again is wrong. Yet whenever I dispute they are saying this is accurate, but according to the company they are reporting false 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 2021-12-02 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 not received anything from Equifax about this bankruptcy dispute. I have a previous complaint through CFPB that Equifax has yet to send any results of investigation. It's over 30 days and nothing. Absolutely nothing! It's now been over 30 days and not response. I sent over the proof that their data furnisher XXXX found the bankruptcy to be unverifiable so why have they not reinvestigated and deleted this erroneous account. This is a constant issue with Equifax. They do not bother responding and Equifax is in violation! 

Account : XXXX XXXX Reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: SC

Complaint narrative:
XX/XX/2021, XXXX XXXX XXXX sent me a verification letter after I complained about them trying to collect a debt that is not mine on the Consumer Financial Protection Bureau website. Even my name and address are inaccurate on the letter. Please check the attached files. I have not given XXXX XXXX XXXX written consent to collect a debt. I have not signed a document to pay XXXX XXXX XXXX. Ask XXXX XXXX XXXX to provide proof of written consent that I agree to payingXXXX XXXX XXXX. I have not given XXXX XXXX XXXX my social security number. I am providing my birth certificate to show my full name. I am providing my utility bill for proof of address. XXXX XXXX XXXX has violated several laws listed by the FEDERAL TRADE COMMISION. The Fair Debt Collections Practices Act, LAWS have been broken by XXXX XXXX XXXX. 15 USC 1692 subsection 804, subsection 805, subsection 806, subsection 807, subsection 808, subsection 809 and subsection 812.

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 2021-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: RI

Complaint narrative:
I have lived in my home for the past XXXX years. I am divorced and have remained in the home with my children. I plan to continue to live in this house with my children. My divorce was in XXXX and the mortgage is still in his name. I was supposed to refinance but because of the divorce had some financial struggles and had to declare bankruptcy. Because my ex and I are on good terms this hasn't been an issue. I have paid the mortgage monthly. Until COVID 19 happened. At that time my business shut down. I made no money. My mortgage was being serviced through XXXX at the time of the the initial global shut down-XX/XX/XXXX. They were super nice and we spoke monthly about my financial situation. My mortgage was then sold to Selene Finance and when that happened everything changed. They would no longer speak to me ... because I was not listed on the mortgage... even though I was approved with XXXX to speak on behalf of the mortgage. My ex-husband emailed them XXXX times and we never would hear anything from them. When we would reach back out they would say that they never got any such notice from him. When my financial situation changed, which it now has, Selene wouldn't take money from me. They returned money orders sent to them and will not allow me to discuss a payment plan, even though I live in the home and am the one who pays the mortgage every month. 
My financial situation has improved and I am now able to make my payments, but they wont take my money and will only consider any sort of payment plan if it's applied for by my ex-husband. He is not the one having the financial hardship though, I am. So, my only option right now is to pay the entire amount of the last year 's mortgage at once... which I can't do. Why can't they work out a payment plan with me and use my financial information as the basis for the hardship. They will see that I am now in a situation to pay going forward... I just can't come up with XXXX in a week!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have reached out to my bank advising that i was charged an incorrect amount by a hotel while I visited XXXX. I explained that the hotel charged me {$2800.00} when i was supposed to be charged {$1300.00}. on XX/XX/XXXX I faxed the bank a XXXX pages including, detailed email conversation with the hotel, the amount the hotel was reserved for and a full explanation of what happened.. On XX/XX/XXXX I then received a letter advising that the bank did not receive my documents and needed more information. I contacted the bank and spoke to XXXX with ID XXXX in disputes and was advised that on XX/XX/XXXX all XXXX pages that I faxed were received and uploaded and she does not know why they are requesting more info as the letters faxed before has all the necessary info. On XX/XX/XXXX I again faxed the documents to the bank. Today I receive another letter dated XX/XX/XXXX advising that they did not receive the information and will reverse the credit of {$1500.00} on XX/XX/XXXX. 
This has been a problem as its the second time this has happened. when I call the bank i am not allowed to speak to the actual person working my case and a lot of communication gets lost creating a very bad experience. I have provided the bank all the info that they requested as attached below and They have confirmed receipt of this, yet still another department is stating that they didn't and making decisions on this. Please fix this problem for me and also this process so that other customers don't face this again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am exercising right to withhold payment after making a good faith effort to resolve with the merchant and Capital One. 

See previous complaint ID - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax takes long to update my credit report update each month and as well i have inquires that was not authorize on all 3 bureaus

Company response to consumer: Closed with explanation