vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-07 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: NY

Complaint narrative:
A dispute with this company was created on XX/XX/XXXX and XX/XX/XXXX in which my second noticed was received on XX/XX/XXXX via certified mail. As of todays date, XX/XX/XXXX, I have yet to receive a response from this company in regards to the validity of this account. The FCRA allows for such company 30 days to response, I have yet to receive a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-07 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: NY

Complaint narrative:
A dispute with this company was created on XX/XX/XXXX and XX/XX/XXXX in which my second noticed was received on XX/XX/XXXX via certified mail. As of todays date, XX/XX/XXXX, I have yet to receive a response from this company in regards to the validity of this account. The FCRA allows for such company 30 days to response, I have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: MI

Complaint narrative:
I have been a victim of identity theft. See attachments 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 2022-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Company keeps reporting after there was closed account and agreement to remove from history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: GA

Complaint narrative:
Company keeps reporting after there was closed account and agreement to remove from history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: NY

Complaint narrative:
I've recently reviewed my credit report and noticed late payments on my account. I have never been late paying my account, and I would like to have these late payments removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: TX

Complaint narrative:
I sent a letter the XXXX XXXX on XX/XX/XXXX via certified mail regarding account starting with XXXX, to which they responded that they were not able to locate/verify the account. On XX/XX/XXXX I sent a letter to Transunion via certified mail asking them to remove this account due to being falsely reported. I got no response to this letter, and there was no note placed on this account that showed this account as being disputed which is a violation. I sent another certified letter 47 days later on XX/XX/XXXX asking Transunion to delete this account for being falsely reported, and I even pointed out that the other bureaus had done their job to remove this account. They sent a letter on XX/XX/XXXX stating that the account was verified as accurate and they updated the date. I do not believe they did a timely investigation in to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: FL

Complaint narrative:
XXXX, XXXX XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious AFNI, INC. XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I contacted my student loan in XXXX and XXXX and told them they sent my information to the wrong po box that was listed on the account. I had told them numerous times they had listed the wrong po box by one number off of the mailing address to contact me regarding my students loans and slapped me with late fees until I paid them. My accounts are current and I deserve to have them not slapped me with 3 months late fees as I was unaware they were coming up for renewal and the wrong addresses are on my papers. This is from 7 years ago and my credit report has been good ever since. I am asking for this to be removed from my credit score and report. I think unaccurate information after I have had my accounts in good standings for 7 years. Case # XXXX If I wanted to buy a house or purchase something I have these 3 late payments on my account for the past 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: OH

Complaint narrative:
I closed on a refinance loan with XXXX XXXX XXXX XXXX on XX/XX/2022. First American Title was the settlement agent. My file number with First American Title is : XXXX. XXXX XXXX XXXX XXXX required me to withhold 6 months of property taxes. First American Title has {$2100.00} which was supposed to be sent to XXXX XXXX ( Ohio ). First American Title has not paid the property tax and it is now due. The settlement agent told me that the property tax would be paid right away and it's over a month now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
In the fall of 2021, I was notified that XXXX was ceasing their credit card service with XXXX, but that a new credit card would be opened through XXXX. I did not want a new credit card to be opened, so I called XXXX to identify what steps needed to be taken to prevent a new card from being opened. They informed me that as long as I did not register the new card, I did not need to take any other actions. 

Subsequently, there have been charges placed onto a new credit card with XXXX from XXXX. I have had several conversations with XXXX identifying to them that I did not authorize the opening of this credit card, nor did I approve any charges from XXXX. 

XXXX has failed to provide me with correspondence identifying that the credit card account is closed, that it was not authorized to be open, and that I am not responsible for any charges from XXXX. 

This appears to be a scheme between XXXX and XXXX surrounding the closing of their account. I want to ensure that this is handled properly, that my credit score is not negatively effected beyond what it currently has been, and that other consumers are not taken advantage of in the same manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My online banking access at Wells Fargo Bank was suspended for so called suspicious attempts to gain access with my username and password. 

I called the online fraud unit as instructed by email but had to wait online for 44 before somebody answered. 

Then I was told I had to go to a branch and show my ID and call them again with the branch banker on the line. I have been a client of Wells Fargo bank for over 20 years and never before have I been told to go to a branch to show my ID. Before they would establish my identity by asking questions which I would correctly answer on the phone. 


Their fraud unit is covering their potential liability by making it harder for people to regain access to their 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 explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: VIRGINIA HOUSING DEVELOPMENT AUTHORITY
State: VA

Complaint narrative:
In XXXX of XXXX I started the process of refinancing my home in order to lower my monthly payments. My original loan was with Virginia Housing Authority, now Virginia Housing. The closing for the refinance was XX/XX/XXXX, and the payoff statement included the mortgage payment for XX/XX/XXXX, with payout to Virginia Housing on XX/XX/XXXX. I paid the mortgage payment for XXXX on XX/XX/XXXX. This means that Virginia Housing received XXXX payments for the month of XXXX. They have NOT reimbursed me for the double payment. 

I received a check on XX/XX/XXXX, in the amount of {$360.00} stating that was the amount I had in my escrow account. I called Virginia Housing on XX/XX/XXXX, and spoke with a representative of the company. He informed me that yes, they received the XXXX mortgage payment from me on XX/XX/XXXX, and yes, they received the payoff from XXXX loans on XX/XX/XXXX, which also included a mortgage payment for XXXX. More than that he could not tell me and stated that loan payoffs are an entirely different department and there is no phone number for them. He provided me with an email address, XXXX, and told me to email them. He stated that they typically respond in XXXX to XXXX days. 

I emailed Virginia Housing on XX/XX/XXXX, and again on XX/XX/XXXX. I have received no response nor have I received the refund for the XXXX mortgage double payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I've tried multiple times to have an account on my credit report that doesn't belong to me deleted. My request was ignored despite the fact that I had provided all necessary details. The account will no longer be investigated, I was told. Due to identity fraud, the account is no longer shown on other reports and has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX, Transunion, and XXXX are in violation of the FCRA for failing to respond to complaints regarding inaccuracies on my credit report. All three agencies have failed to complete an investigation into the accounts in question within the 30 days allotted as per the Fair Credit Reporting Agency Section 611 ( a ) ( 1 ) ( A ). Failure to respond satisfactorily within the 30 days of receipt of the letter mailed ( which I will attach ) may result in a small claims action against all 3 credit bureaus. According to various articles, these companies have been in violation of not responding to consumer complaints. The latest article I have read dates back to this yearXXXX XX/XX/2022. XXXX most often promised to open investigations of their disputes and send their findings to consumers at later dates. However, it failed to share the outcomes of its investigations with the CFPB. TransUnion made similar promises and also often failed to meet its obligations to share investigation outcomes with the CFPB. In addition, TransUnion often failed to provide a response in instances where it believed that third parties submitted the complaints, even though the CFPB says that consumers can authorize third-party representatives to submit complaints on their behalf. XXXX often took no action in instances where it believed that a third party submitted the complaint, although it did provide substantive responses to other complaints. All three bureaus relied heavily on automated templates to respond to complaints instead of providing a meaningful, personalized response to the consumer. That's despite having up to 60 calendar days to reply. According to the CFPB complaint database, there are more than XXXX complaints between the 3 credit bureaus within the last year regarding problems with credit reporting. The csv files of these findings will also be 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 2022-02-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX, XXXX, and Equifax are in violation of the FCRA for failing to respond to complaints regarding inaccuracies on my credit report. All three agencies have failed to complete an investigation into the accounts in question within the 30 days allotted as per the Fair Credit Reporting Agency Section 611 ( a ) ( 1 ) ( A ). Failure to respond satisfactorily within the 30 days of receipt of the letter mailed ( which I will attach ) may result in a small claims action against all 3 credit bureaus. According to various articles, these companies have been in violation of not responding to consumer complaints. The latest article I have read dates back to this year- XX/XX/2022. Equifax most often promised to open investigations of their disputes and send their findings to consumers at later dates. However, it failed to share the outcomes of its investigations with the CFPB. XXXX made similar promises and also often failed to meet its obligations to share investigation outcomes with the CFPB. In addition, XXXX often failed to provide a response in instances where it believed that third parties submitted the complaints, even though the CFPB says that consumers can authorize third-party representatives to submit complaints on their behalf. XXXX often took no action in instances where it believed that a third party submitted the complaint, although it did provide substantive responses to other complaints. All three bureaus relied heavily on automated templates to respond to complaints instead of providing a meaningful, personalized response to the consumer. That's despite having up to 60 calendar days to reply. According to the CFPB complaint database, there are more than XXXX complaints between the 3 credit bureaus within the last year regarding problems with credit reporting. The csv files of these findings will also be attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I lived at the apartment complex from XX/XX/XXXX to XX/XX/XXXX. In XXXX of XXXX I submitted a XXXX day notice to terminate my lease early, which was allowed in the lease with a XXXX day notice. I received my final bill in XXXX and paid before the due date and had a {$0.00} balance when I turned in my key on the XXXX of XXXX. I left my forward contact mailing information as well as confirmed they still had my phone number and email address for further correspondance. 

In XX/XX/XXXX, I receive a letter from a collections company " National Credit Systems , Inc. from XXXX, GA. They vaugely stated that I had not made a suitable arrangement to resolve the above-referenced debt amount of {$830.00} to XXXX of XXXX XXXX XXXX I have not received any sort of bill or for that matter an explaination of why I did not receive my deposit back. 

Approximately a week after the letter arrived I received a phone call from XXXX XXXX stating that I owed this debt. I advised him that I had not received any itemized description of this debt. He said that if I give him my email that he would send it to me. I told him that I will not give him that information and that he can send an itemized invoice throught the mail just like the last letter. He then stated that I was being difficult and that he would escalate this to the next level and then disconnected the phone call. 

After this I sent a certified letter with return receipt asking them to explain the debt and show proof that I owed them the debt via XXXX. I received the return receipt XX/XX/XXXX. Today XX/XX/XXXX I received a letter dated XX/XX/XXXX that is the exact same letter I received the first time. I have both letters in my possesion. I also received notice XXXX days ago via email that the collections agency has reported this debt on my credit report. 

My official complaint on this company is their actions are in violation of the " Fair Credit Reporting Act ''.

Company response to consumer: Closed with explanation