vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-28 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: AL

Complaint narrative:
I submitting this complain myself because I was a victim of identity theft and some fraud accounts and inquiries are showing on my credit report that need to be removed. I submitted a letter and report to the credit people but they have not removed the accounts I requested its been more than 60 days

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: IL

Complaint narrative:
I recently pulled my credit report with all 3 bureaus and thoroughly looking over everything I noticed there is inaccurate information on my credit report including : wrong names not, wrong addresses, wrong employment listings that are not associated with me. in addition Unauthorized Inquires I do not recall attempting.

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 2022-02-28 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: IL

Complaint narrative:
I recently pulled my credit report with all 3 bureaus and thoroughly looking over everything I noticed there is inaccurate information on my credit report including : wrong names not, wrong addresses, wrong employment listings that are not associated with me. in addition Unauthorized Inquires I do not recall attempting.

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 2022-02-28 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: CA

Complaint narrative:
I sold my property at XXXX XXXX XXXX, XXXX XXXX, CA XXXX in XX/XX/2021. The HELOC was paid off with XXXXXXXX XXXX. XXXX XXXX  are now contacting me saying that they took over the loan and I owe money. Attached is the final disbursement from the title company and a copy of the wire transfer.

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 2022-02-28 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: CA

Complaint narrative:
I sold my property at XXXX XXXX XXXX, XXXX XXXX, CA XXXX in XX/XX/2021. The HELOC was paid off with XXXX bank. XXXX bank are now contacting me saying that they took over the loan and I owe money. Attached is the final disbursement from the title company and a copy of the wire transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: CA

Complaint narrative:
I sold my property at XXXX XXXX XXXX, XXXX XXXX, CA XXXX in XX/XX/2021. The HELOC was paid off with XXXX bank. XXXX bank are now contacting me saying that they took over the loan and I owe money. Attached is the final disbursement from the title company and a copy of the wire transfer.

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 2022-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BMO BANK NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have been denied a checking account this isnt fair I have a XXXX and feel discriminated On

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 2022-02-28 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:
XXXX is reporting inaccurate and false information. I have requested for them to remove these accounts because by law they must remove it if it is inaccurate. They all have wrong address, phone number, and incomplete name. I have never applied for these false accounts. I will list the false accounts " XXXX BANK DELAWARE, XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX is reporting inaccurate and false information. I have requested for them to remove these accounts because by law they must remove it if it is inaccurate. They all have wrong address, phone number, and incomplete name. I have never applied for these false accounts. I will list the false accounts " XXXX BANK DELAWARE, XXXX XXXX XXXX, XXXX, XXXX XXXX BANK XXXX Transunion is reporting inaccurate and false information. I have requested for them to remove these accounts because by law they must remove it if it is inaccurate. They all have wrong address, phone number, and incomplete name. I have never applied for these false accounts. I will list the false accounts " 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 2022-02-28 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:
XXXX is reporting inaccurate and false information. I have requested for them to remove these accounts because by law they must remove it if it is inaccurate. They all have wrong address, phone number, and incomplete name. I have never applied for these false accounts. I will list the false accounts " XXXX BANK DELAWARE, XXXX XXXX  XXXX, XXXX, and XXXX XXXX XXXX Equifax is reporting inaccurate and false information. I have requested for them to remove these accounts because by law they must remove it if it is inaccurate. They all have wrong address, phone number, and incomplete name. I have never applied for these false accounts. I will list the false accounts " XXXX BANK DELAWARE, XXXX XXXX XXXXXXXX XXXX XXXX XXXX BANK XXXX XXXX is reporting inaccurate and false information. I have requested for them to remove these accounts because by law they must remove it if it is inaccurate. They all have wrong address, phone number, and incomplete name. I have never applied for these false accounts. I will list the false accounts " XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: CCS Financial Services, Inc.
State: MI

Complaint narrative:
As the original creditor and natural person, I did not give these companies consent to furnish my consumer report. In order for this account to be put on my consumer report and file that means the account had to have been validated. No one but me can validate a date. Therefore, these companies are violating my rights. I have attached documents that were sent certified mail. They have yet to comply.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
We apply for and received assistance from Louisiana XXXX XXXX XXXX. Or application has been showing the same status for 30 days waiting on information from Applicant lender which is Well Fargo. When we call Wells Fargo all we get is the transfer from one department to another then a disconnect Wells Fargo Account 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 2022-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
On XX/XX/XXXX I settled with the Debt Collector Midland Credit Management On XXXX XXXX and XXXX  XXXX credit cards. I was not informed of my right under the fair credit act that I had the right to dispute the validity of the debts own. My rights were violated and I was tricked out of my money. I agreed to pay for deletion of the tradelines with the companies and they are still reporting on all 3 credit bureaus. Midland Credit Management has violated several laws including 18 U.S.C. 1342 and 15 U.S.C. 1692b ( 5 ). XXXX {$1300.00} XXXX {$520.00} ... On XX/XX/XXXX Midland Credit Management tried to double-dip on a collection that doesn't belong to me and reported the amount to the 3 credit bureaus which resulted in a negative effect as I am currently going through the process of closing on a home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-28 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: FL

Complaint narrative:
I have reached out to Transunion multiple times about this company. I am not sure how they were able to access my information with a freeze on my account. I did not approve this inquiry. Nor do I have any products or service with this company. I will be attaching my Transunion report along with my XXXX report. You shall see that my Transunion account has been lock since 2019. You will also see that my other credit reports have no record of this company that got access to my Transunion 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 2022-02-28 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: FL

Complaint narrative:
I've been tryin to remove incorrect information from my report over a year now. 
I have account XXXX on my report that shows : First of all, the dates of an activity are years apart. XXXX shows XX/XX/XXXX, XXXX XX/XX/XXXX and Experian XX/XX/XXXX. Based on above information, one of the dates may be correct, but 2 others obviously not. Or maybe all 3 are incorrect. This information is inaccurate and violates my rights. 
Second, if the dates of a last activity are XXXX and XXXX then how is possible that on XX/XX/XXXX XXXX reported positive activity? 
Experian did not delete this mistake when I was trying to solve it last year. Instead they asked me to contact creditor. 
I did contact the creditor and haven't received any proving information from them. 
Last time I sent letter to XXXX in XXXX and they haven't responded ( see attached Return Receipt ).

So now I'm being kicked from one to another wasting my time and nerves.

I need a help of authorities in this matter. Thank 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 explanation
Consumer complaint received 2022-02-28 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: CT

Complaint narrative:
Account paperwork received from a XXXX XXXX  says original account name is for a XXXX XXXX XXXX opened in XXXX, first of all, I am not XXXX XXXX XXXX, I am XXXX XXXX XXXX paperwork received from a XXXX XXXX also said original account opened for a XXXX XXXX XXXX XXXX XXXX account number XXXX in XXXX, not XX/XX/XXXX, debt collector XXXX XXXX violated FRCA, listed an old debt as new, " re-aging '' a debt is violation under FRCA. XXXX XXXX opened the account in XXXX not consumer. Dispute filed about account filed with Experian since it is listed on mu consumer credit report, all I get back is a computer generated print out not addressing what I was actually disputing. They are obligated by law to report accurate information. Re-aging an account is a violation under FRCA also incorrect information on an account is also a violation

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 2022-02-28 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: AL

Complaint narrative:
I submitting this complain myself because I was a victim of identity theft and some fraud accounts and inquiries are showing on my credit report that need to be removed. I submitted a letter and report to the credit people but they have not removed the accounts I requested its been more than 60 days

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 2022-02-28 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: AL

Complaint narrative:
I submitting this complain myself because I was a victim of identity theft and some fraud accounts and inquiries are showing on my credit report that need to be removed. I submitted a letter and report to the credit people but they have not removed the accounts I requested its been more than 60 days

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 2022-02-28 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: LEXISNEXIS
State: MA

Complaint narrative:
Hello, I am making this complaint to get false negative items removed from my credit report by the three credit bureaus ; XXXX, XXXX, XXXX. During the month of XX/XX/2019 and XX/XX/2019, On my credit report there were delinquent late payments recorded on my credit report from XXXX XXXX. I have contacted each of the three main credit bureaus with no response from either company. I need these negative items removed from my report immediately. Also, I had contacted XXXXXXXX XXXX to remove these false negative items from my report. Recently they had contacted me back stating they would contact the credit bureaus to remove these from my reports. Although, I have not heard from them ever since then. Can you please aid me with this and contact XXXX, XXXX, and XXXX to remove this from my account? Attached now is the letter from XXXX XXXX  stating that they would remove these negative items. Can you please contact them and have these removed. Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: WA

Complaint narrative:
1 ) First, my XXXX savings account was converted to Citizens One Deposit Saving account without my permission in XXXX. The Citizens One Deposit Savings Account has a monthly maintenance fee of {$4.00}. 
2 ) Second, Citizens makes it incredibly hard to close account. They don't allow to do it online or in writing or in-person visit to a branch nearby. Citizens bank don't even operate in Washington state where I live. The only way to do this is via a phone call and the current wait times are more than 45 minutes. I have tried staying on call multiple times and one way or other it gets up not being answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: MA

Complaint narrative:
We were trying to refinance with Flagstar bank for a 30 year mortgage who we currently had our mortgage with already on XX/XX/XXXX. We were about XXXX weeks into the process and we felt things were going smoothly as well did our Direct lending officer XXXX XXXX. He scheduled a call from their appraisal company and we paid on XXXX XXXX XXXX for the sum of {$530.00}. The appraisal company came out on XX/XX/XXXX at approximately XXXX. 
The appraisal was completed around XXXX, it is here where things go bad. 
I received a call from XXXX that same afternoon around XXXX stating that the loan did not make it through their underwriting team for some reason. I told XXXX that we just had the appraisal done that same day and if we were not getting the refi loan we would appreciate a {$530.00} refund. He stated this is not his problem and they are a 3rd party contractor and we would not be getting our funds back we are responsible for the payment. I asked him why would he order the appraisal if the loan had not gone through the underwriters and his words, I am quoting him ( based on what you told me about your income I thought you would be all set ). He did not want to speak to me any further so I took it up with XXXX XXXX which was the other person working on our loan. I stated being retired we can not afford to throw away {$530.00} and she agreed, this was over the phone. On XX/XX/XXXX see email : she sent me an email stating our refund has been processed and we would receive it within 14 days. I waited the 14 days and no refund so I sent her another email see attached : she stated they were having technical issues and give it till the end of the following week of XX/XX/XXXX. We did and still no refund, I called XXXX the week of XX/XX/XXXX and spoke to her and she said please give it XXXX to 45 days more. We waited once again with no refund, so I called her on XX/XX/XXXX and she said she was forwarding this information ( she took my phone # ) to their finance department and they will call a.s.a.p. I still have not heard anything back from anyone at Flagstar about our refund that was processed on XX/XX/XXXX. All we want is our refund for the appraisal that should not have taken place unless we were approved from the underwriters first. Anything anyone can do to get our refund would be greatly appreciated. Not that it now matters but we did go with another bank and tried using the appraisal from Flagstar ( to eliminate any refund ) but the current bank stated that the appraisal company was not in their circle, we paid for a second appraisal. We have already refinanced with a another bank and closed in XXXX. Sincerely, 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 2022-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
I opened an account with Coinbase and bought Bitcoin on XX/XX/XXXX. 
I did not do much with my account until XX/XX/XXXX, when I sold some of my holdings. Then, in XXXX, I tried to buy some more. But, after repeated efforts on my part and vague unsatisfactory responses from Coinbase, I was notified that, 'due to security reasons ' my transactions were blocked and could not be unblocked. No further reason was given. 
Now, in XX/XX/XXXX, Coinbase sent me an updated agreement. I can not advance in the website without signing the Agreement. I still have some holdings with them. I am not sure if I can sell these. 
I hope you can help me with this problem. 
Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-28 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: FL

Complaint narrative:
fiXXXX XXXX XXXX XXXX is reporting a past due account on all three of my credit reports but i have no recollection of this account and it needs to be removed immediately! i have filed a FTC affidavit and have attached it below.

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 2022-02-28 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting a past due account on all three of my credit reports but i have no recollection of this account and it needs to be removed immediately! i have filed a FTC affidavit and have attached it below.

Company response to consumer: Closed with explanation