vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have contacted XXXX regarding XXXX late payments theyre reporting on my credit. When the Pandemic first happened and I was financially impacted, I notified them and they told me my payments were suppose to be in forbearance. They assured me that they werent reporting late payments at all because of the XXXX XXXX of XXXX. Upon me checking my credit report the ending of last year, I seen they have reported as late payments. I have been contacting them via Mail and also over the phone. This is hindering me tremendously! Those XXXX years was very tough for me. Not only did I loose more than 50 % of my income but I lost my mother at the same time. I had to pay for her funeral expenses. I also told XXXX the same. They assured me that I wasnt going to be affected. But I am. I have improved my payment history since the world opened back up.

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 2022-08-05 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have contacted XXXX regarding XXXX late payments theyre reporting on my credit. When the Pandemic first happened and I was financially impacted, I notified them and they told me my payments were suppose to be in forbearance. They assured me that they werent reporting late payments at all because of the Natural Disaster of C19. Upon me checking my credit report the ending of last year, I seen they have reported as late payments. I have been contacting them via Mail and also over the phone. This is hindering me tremendously! Those XXXX years was very tough for me. Not only did I loose more than 50 % of my income but I lost my mother at the same time. I had to pay for her funeral expenses. I also told XXXX the same. They assured me that I wasnt going to be affected. But I am. I have improved my payment history since the world opened back up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: IL

Complaint narrative:
I am XXXX XXXX, and I am submitting this complaint on my behalf I been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. I sent them letters over 30 days ago and they failed to get back with me and they failed to notate that these accounts were in dispute plus these account violate the FCRA and FDCPA these accounts must be deleted 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 2022-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD BANK blocked my account on XX/XX/XXXX and they blocked all my money, they said that the bank had made the decision to close my account and that they would return my money in a check and then week after week the assistants of the bank located in XXXX  fl they gave me different excuses, even mentioning that they did not know where my money was and that they did not know if they would return it to me in a check. 
Time passed and every week they avoided attending me or talking to me but one day they attended me they told me that my account was closed effective XX/XX/XXXX and that I should wait until XX/XX/XXXX when a check would arrive but on XX/XX/XXXX I returned to the same branch where the man who attended me told me that he did not know where my money was and that the best thing was for me to forget about it, causing a strong reaction in me to the point where this worker, telling me that it was against his rules, would show me the screen of his computer so that he could read the emails he had about my case ( I have video ). 
On XX/XX/XXXX, I returned to the branch of this bank where the same man who told me that he did not know where my money was, answered me and I quote -I DID NOT SAY THIS, BUT THE BEST THING IS THAT YOU GET A LAWYER.- ( I have video ) where it tells me that the bank has made the decision not to return my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
our mortgage company has over the years been increasing our mortgage and we are on a fixed mortgage and they do give as an explanation an escrow analysis and it came down to according to the mortgage company an increase in property taxes our problems with this are many it is nearly impossible to keep up with fluctuating mortgage payments and creates a tremendous hardship to the family in which we did fall behind by two payments in reality we requested to be taken off escrow when not delinquent and we were turned down in addition we were not treated fairly by the mortgage company as the only option they gave us under loss mitigation was to increase our mortgage once again it was only after i complained to them that the company gave us a denial letter and falsely claimed that i did not submit all information which i did by fax and have the documentation to pove it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent XXXX attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, XXXX XXXX  failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
CONTRACT CALLERS INC Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
CONTRACT CALLERS INC Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Hello, On XX/XX/2022 I visited a bar called XXXX in XXXX XXXX, New Jersey. I ended up losing my Bank of America credit card inside the bar. Someone ended up making {$160.00} purchases on the credit card. I noticed all those fraud charges on my card the next day. I ended up disputed every single XXXX of these fraudelent charges on my credit card. Initially, these charges fell off my card while Bank of America investigated this issue. However, today on XX/XX/2022 I saw that these charges were back on my card and Bank of America sent me a resolution letter. I want to say that these charges are completely false. I don't know what proof the merchant sent to validate these charges, but I know I did not make these charges. After every purchase in that bar, you have to sign a receipt. I'm 100 % willing to do a signature match on every single XXXX of these receipts. It won't match my signature. These charges should not be on my credit card and Bank of America needs to refund me the money.

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 2022-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
I have contacted Affirm regarding the Theft of my Identity However, they have stated that the Items was going to be deleted off my credit report within a few days, I've called them twice a week about this account and the theft of my identity, No one NEVER TRIED TO CONTACT BACK. I am not responsible for this Fraudulent Affirm account that was created under identity theft I have never opened up a XXXX account or purchased anything from that company or any company using Affirm. I am Requesting that affirm show me A Debt Validation, in accord with " Fair Debt Collection Practices '' Provide verification of the debt, as being true, correct and authentic, sworn by oath or affirmation with wet ink signature signed under the penalty of perjury ; and please Include the address that the Merchandise was shipped. Affirm is in violation under the FCRA 15 USC 1681a ( e ) Before anything get furnished on my credit report it supposed to be investigated through interviews with neighbors, friends, associates or myself who has knowledge concerning this matter, which was not done by Affirm. The Company Failed to follow the law. I have contacted the Federal Trade Commision regarding this matter I also presented Affirm with an Identity Theft Affidavit from the FTC which they fail to take in consideration. My rights are being violated under the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: WI

Complaint narrative:
Incorrect information was listed in my report. I sent it to all the credit report agencies and requested them to investigate and check my files. But my credit is still being affected by that information. The credit bureau did not do anything to remove the erroneous information listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX EMPLOYER : XXXX XXXX  Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/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 non-monetary relief
Consumer complaint received 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
On my XXXX, TransUnion, AND XXXXn credit reports, it does not show all of my open credit card accounts. On my XXXX, TransUnion, AND XXXX credit reports, it only it should show 4 open accounts total XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX my XXXX XXXX XXXX  account when it should show 4 open accounts total XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
On my XXXX, XXXX, AND Experian credit reports, it does not show all of my open credit card accounts. On my XXXX, XXXX, AND experian credit reports, it only it should show 4 open accounts total XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX my XXXXXXXX XXXX XXXX XXXXunt when it should show 4 open accounts total XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Incorrect information was listed in my report. I sent it to all the credit report agencies and requested them to investigate and check my files. But my credit is still being affected by that information. The credit bureau did not do anything to remove the erroneous information listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Updated : XX/XX/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 non-monetary relief
Consumer complaint received 2022-08-05 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 reached out to Experian more than three times. By web site and also by phone asking them to verify a bankruptcy that they have been reporting on my credit for the past seven years. I called today Friday, XX/XX/2022 at approximately XXXX oclock and the lady told me that they have verified twice with the Alabama bankruptcy court that the information that they are reporting is accurate. this is not true. I told her she was lying. I have a letter that I did submit to Experian from the Alabama bankruptcy court stating that they do not verify and have not verified any of my information with Experian. I also know that they have not verified information that they are reporting because I know that information they are reporting is not accurate. I contacted the attorney that filed my bankruptcy for the correct dates and I also have my bankruptcy papers. I told them this on the phone and they wanted me to verify the information to them. I told them it was not my job to verify the information they were reporting. It was their job to verify with the original debtor which is the Alabama bankruptcy courts the information that theyre reporting is correct. If they can not verify the information that theyre reporting then it must be deleted. When I mentioned them using a third-party instead of them verifying through the original debtor she told me they did not use a third-party which was another lie. 
They have said theyve completed investigations that they verified through the original debtor which is NOT TRUE. They also said that their information is accurate which is also NOT TRUE. 
By law they have to delete it and they are refusing to remove this 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 2022-08-05 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:
Transunion you verified this account now [ validate } this account as per enclosed documents 15 days should be enough for you because you verified it you should have the records right

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 2022-08-05 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: OH

Complaint narrative:
Victim of identity theft/fraud since 2016. Have filed a dispute several times with police reports. Credit reporting agencies have failed to remove fraudulent accounts. I have done everything I could to get this resolved. Im a victim suffering defamation and identity theft. Accounts frequently keep getting put in my name without my consent and affecting my credit. Equifax is no help with this severe issue. I have submitted several disputes since it first appeared on reports. They refuse to provide me any proof of this being accurate because its not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: IL

Complaint narrative:
I am XXXX XXXX, and I am submitting this complaint on my behalf I been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. I sent them letters over 30 days ago and they failed to get back with me and they failed to notate that these accounts were in dispute plus these account violate the FCRA and FDCPA these accounts must be deleted 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 2022-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
Truist has been overcharging me. They increased my escrow back in XX/XX/2022, but my taxes did not increase nor did my insurance. I verified this with the city , county, and insurance company. Truist 's own tax department confirmed that Truist made a mistake and should not be overcharging me. however, Truist continues to overcharge me, and the company completely ignores my calls and emails. Customers are made to wait on hold for 1+ hours each time we call. The " client advocacy '' department never ever picks up the phone or calls back. This is illegal for Truist to increase my escrow and overcharge me. I have already submitted a complaint to the XXXX but they still haven't dealt with the issue. I have also complained to FDIC but they referred me to you. 
This is not the first issue I've had with Truist. their online system was broken for months and wasn't properly processing my mortgage payments. once again, I couldn't reach anyone by phone, and their online chat function doesn't work. instead of fixing the issue, they kept showing my mortgage as " late '' despite me trying to pay every month online and their system being broken. they are the WORST bank I have ever dealt with. Why are you allowing them to treat customers this way? They are literally stealing my money and getting away with it, and I have no recourse! 
Truist keeps telling me and the XXXX  that they're " working on it '', but nothing ever gets resolved or fixed. there's no point of contact, and no one I speak with has any information on the resolution. i'm so exhausted from spending so many hours on this simple issue they refuse to correct.

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 2022-08-05 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: IL

Complaint narrative:
I have reviewed my credit report on XX/XX/22 via XXXX and I have noticed that there are inquiries listed on my credit report that I am unaware of and did not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation