vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-17 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This complaint is about the lack of proper regulation of Credit Card Reporting Services, such as Experian, XXXX, and XXXX, and Your agency.

- Are YOU aware that each of these reporting agencies use different standards by which they determine a Credit Score of a Person, or Business?

- Are YOU aware that there seems to be no one standard to use in determining Credit Scores in this Industry.

I was told this by someone in the credit card reporting industry. If this is correct. It is completely illogical to have different standards for each company when they are determining a Credit score of someone, or a business. This is like saying it is OK to have a different safety standard for each car maker to ; Creating no One Safety Standard is totally illogical and totally Unsafe. That is why there is one Car Safety Standard for all Cars regardless of the car maker, that all Car Makers must comply with, that is enforced by the Federal Govt.

As far as the Credit Reporting Agencies, there MUST be ONE Standard by which CREDIT SCORES are Determined. How else can YOU determine which Score is accurate, fair, and legitimate, and in the best interest of all of us. Who is more important, the individuals of OUR Country, or the Owners of these Credit Reporting Services. If this is allowed to go uncorrected, then it will continue to stifle our economy, the well-being of the People of this Great Country. It may seem to be a " small thing '' to worry about, BUT it is not for those for receive invalid Credit Scores. For example, against XXXX, there are and have been XXXX complaints lodged against XXXX. From a Business point of View, Does that make Sense? Against XXXX, and XXXX, there are similar nos. of Complaints. Where is the Government Oversight needed? Wake Up, America! Wake Up, Congresspersons and Senators, and do YOUR Duty.

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 2019-12-17 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: MA

Complaint narrative:
On XX/XX/2019 I filed a Dispute with Equifax to which they conducted " an investigation '' which did not consist of anything other than them contacting the creditor and getting information written on a screen whether that information was false or not Equifax did not care. Additional Equifax refused to accept any of the documents that I sent in as proof to include the letter from the creditor ( with the header and contact info ) that stated the information on my account was inaccurate as reported. On XX/XX/2019 I filed an additional dispute containing the same information as the original information to which was found in my favor to what Equifax has informed me of. This information was sent by Equifax to someone else 's email address other than mine. I called Equifax to get them to send the information to the correct email address. On XX/XX/2019 another dispute ( XXXX ) was created to send the information to my email address. This information was sent once again to the wrong email address. On XX/XX/2019 I called Equifax once again and the rep agreed to send a copy of the dispute to the correct email address, however, hung up on me. I have called back to ensure this was taken care of multiple times on XX/XX/2019 and spent over 3 hours on the phone without prevailing and was transferred over 10 times

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have paid off my Wells Fargo credit card over four times since XX/XX/2019. In total Ive paid them over {$66000.00} in these 8 months. I have over a quarter million in savings with Wells Fargo yet they wont increase my credit card limit. I contacted Wells Fargo XXXX and was told they would get back to me by XX/XX/XXXX with resolution. They have yet to contact 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 2019-12-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I paid off a Macy 's credit card completely and totally in full. I contacted the company to close the account. I have since then been harassed by this company for charges that were assessed AFTER THE CARD WAS CLOSED. They continue to assess what they call late fees, service charges, and so on. I was told in XX/XX/XXXX that the account was closed and these charges were waived because they were not legitimate. I received written confirmation that the account was closed. The company continues to send me bills and call me. This is not acceptable.

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 2019-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent a notarized dispute letter to Experian, asking them how did they validate not verify this chapter XXXX bankruptcy that was showing it was discharged on my credit report, only after I sent a letter to the UNITED STATES BANKRUPTCY COURT XXXX DISTRICT OF NORTH CAROLINA asking if they furnished information to 3rd parties, their response was we dont furnish information to credit bureaus, so therefore thats a violation of the FCRA by Experian, because this bankruptcy was verified by the credit bureau through a 3rd party like the PACER system and not the original furnisher of this account. Experian is still reporting this bankruptcy on my credit report, even after I sent a dispute letter to them with a copy from the UNITED STATES BANKRUPTCY COURT XXXX DISTRICT OF NORTH CAROLINA, stating that they dont furnish information to 3rd parties.

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 2019-12-18 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:
On XX/XX/XXXX, I sent a letter to Transunion disputing an account that does not belong to me. In the same letter, I asked Transunion to include information about the investigation, including the contact information of the data furnisher of the inaccurate information. 

On XX/XX/XXXX, Transunion sent a response stating they concluded the investigation, and the information was verified as accurate. The letter also said it would include a " Summary '' regarding the steps conducted in the investigation. However, upon reviewing the letter, there is no summary at all. There is no summary of the steps of the investigation. There is no data furnisher. The only proof I received were the words " verified as accurate ''. 

On XX/XX/2019, I submitted a complaint to CFPB about their process ( ID # XXXX ). Transunion responded to my CFPB complaint stating " We received your CFPB and in response have initiated an investigation into the account XXXX XXXX XXXX XXXX. # XXXX. They will verify the accuracy of the item ( s ) and inform TransUnion of their results. When the investigation is complete, you will receive the results at the current mailing address we have on file for you. '' On their next correspondence dated XX/XX/2019, Transunion re-sends an identical letter as the first one rec 'd XX/XX/XXXX. It simply states " verified '', and their is no information from the company, there is no proof this account exists. I can not verify this account. 

Transunion did not conduct a proper investigation, they are incorrectly reporting this account which does not exist.

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 2019-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent dispute letters for the inaccurate accounts to be removed from my credit report on XX/XX/2019 and XX/XX/2019. However they never sent me documents to show me how they verified the accounts but per " 15 U.S.C. 1681g '' and it should have been deleted per Section 611 ( a ) ( 5 ) ( A ) ( i ). I also sent a letter with Section 609 ( a ) ( 1 ) ( A ) to show me the physical documents and they have not.

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 2019-12-18 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: AL

Complaint narrative:
I have a fraud alert on my credit report which is to prevent unauthorized access to my file with Equifax. I ordered a copy of my credit report as I started getting calls from various companies offering me a car loan only to find out these companies had accessed my credit report without my permission even with a fraud alert present. The following companies were found upon my review of my Equifax credit report which were unauthorized : XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX Credit Bureau Dispute XXXX, Texas XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Texas XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX  XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX  DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I had a mortgage with Chase. The loan number is XXXX XXXX XXXX XXXX. I refinanced my mortgage with XXXX. That loan number is XXXX. The closing file/escrow number is XXXX XXXX XXXX. At the time of the loan application, Chase had not paid my taxes for the upcoming year. XXXX asked me to pay the taxes at closing. As I did. Before the closing, Chase paid XXXX County, GA my current taxes. My property address is XXXX XXXX XXXX, XXXX, GA XXXX. The parcel ID is XXXX XXXX. XXXX has since transferred the servicing of the mortgage to XXXX XXXX. XXXX is not involved in this complaint. But, they are the current servicing company. Chase uses a third party company to pay the taxes to XXXX County. That Company is XXXX XXXX. On XXXX19 XXXX XXXX sent {$4500.00} to XXXX County to pay my current taxes. Shortly there after, XXXX through it's title company ( XXXX  ) paid the taxes directly to XXXX County. That payment was accepted by the County. XXXX XXXX makes a bulk payment to XXXX County for all it's customers taxes. XXXX County took the payment in from XXXX XXXX. They then sent the over payment back to XXXX XXXX on XXXX19 in the amount of {$4100.00}. They took the difference between what was pay by XXXX  ( {$4500.00} ) and what they wanted as taxes ( {$4900.00} ) and returned to XXXX XXXX {$4100.00}. I assume that XXXX XXXX has returned the {$4100.00} that I am due back to Chase, but I can not confirm that because I am not a customer of XXXX XXXX. I spoke to XXXX XXXX in the Chase tax department on XXXX19. I told her that I would give Chase until XXXX19 to refund to me the {$4100.00} that I am due as as refund of the over payment to XXXX County. I have not heard back from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent dispute letters for the inaccurate accounts to be removed from my credit report on XX/XX/2019 and XX/XX/2019. However they never sent me documents to show me how they verified the accounts but per " 15 U.S.C. 1681g '' and it should have been deleted per Section 611 ( a ) ( 5 ) ( A ) ( i ). I also sent a letter with Section 609 ( a ) ( 1 ) ( A ) to show me the physical documents and they have not.

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 2019-12-18 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 dispute letters for the inaccurate accounts to be removed from my credit report on XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 and XX/XX/2019. I am sick and tired of dealing with this inaccuracy. All I requested was physical proof which I know is the law per section 609 of the FCRA.

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 2019-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: NV

Complaint narrative:
Negative Report Trident Asset Mngt ( XXXX  ) {$260.00} Opened : XX/XX/XXXX Purges : XX/XX/XXXX I never opened an account with XXXX. I have contacted this collection four times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) and disputed the account with all credit agencies, to no avail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 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: TX

Complaint narrative:
I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information.

Also, update my personal information to my credit report.

See attachment for the following : A summary letter FTC Complaint form A copy of my Identity Theft Report Police report proof of my identity ; a copy of my drivers license and Social Security card Proof of address A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that 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 2019-12-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
Ive been receiving these statements as of last year ( XX/XX/2018 ) & its stated that I owe {$780.00} to the University XXXX XXXX  medical office. Unfortunately Im not so sure that these would belong to me after my Social Security number was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I placed a fraud alert on my credit file with Transunion as I was the victim of IDENTITY THEFT yet after getting several calls from various auto dealers and lenders I requested a copy of my credit report only to find that over 10 companies accessed my credit report without permission. I specifically placed a fraud alert on my account to prevent this very thing from happening. Below are all the unauthorized inquiries on my credit report : XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX   Service DATES : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX , Alabama XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX XXXX  XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX XXXX XXXX  XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX  XXXX via XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX , Alabama XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX ( OLDER THAN 2 YEARS )

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 2019-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I put in my credit card information for the {$1.00} credit check from Transunion. I did not receive a report or any services, nor an email or text with a link to said services. 7 days later I was charged {$19.00} & immediately on the day the supposed trial period I did not know I had ran out. Instead of explaining what services they offer they cancelled said service & explained they have a no refund whatsoever policy. I have no documents to show other than my bank statement wherein the money was removed by them since they never text or emailed anything to me at all regarding anything. I searched my email & text history very thoroughly.

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 2019-12-18 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: TX

Complaint narrative:
I sent dispute letters for the inaccurate accounts to be removed from my credit report on XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 and XX/XX/2019. I am sick and tired of dealing with this inaccuracy. All I requested was physical proof which I know is the law per section 609 of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 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: TX

Complaint narrative:
I sent dispute letters for the inaccurate accounts to be removed from my credit report on XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 and XX/XX/2019. I am sick and tired of dealing with this inaccuracy. All I requested was physical proof which I know is the law per section 609 of the FCRA.

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 2019-12-18 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:
I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information.

Also, update my personal information to my credit report.

See attachment for the following : A summary letter FTC Complaint form A copy of my Identity Theft Report Police report proof of my identity ; a copy of my drivers license and Social Security card Proof of address A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that 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