vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-14 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:
Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely 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 2021-07-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: TN

Complaint narrative:
My mortgage loan servicer recently changed to Flagstar mortgage, I have submitted several request for mortgage assistance several times and received no response. I have called Flagstar Bank numerous times inquiring on status of my loan, each and every time I've called I'm told they can't find the documents that I have faxed. After I'm told they can't find the documents I'm very persistent with customer service and they finally say OH, I found your documents. Flagstar is not trying to assist me, I have been submitting documents documents since XX/XX/2021 and none of the customer service at Flag Star Is willing to assist me. I don't want to lose my house to a property foreclosure sale. Please assist 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 2021-07-15 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: South Carolina Student Loan Corp
State: SC

Complaint narrative:
I've been trying to dispute matters with the student loans XXXX, SC State and XXXX inaccurately reporting late payments. This been going on since XX/XX/XXXX. They keep saying they don't have any late payments and I've been clearly sending them reports showing all the XXXX day late 's and its hurting my credit really bad. I had Covid-19 this year and it affected me tremendously but then I also had my loans consolidated recently. They are just reporting inaccurate information on my credit report and it has to stop. By law I have rights and they are abusing the credit law 15 U.S. Code 1666 ( b ). I need all those late payments removed from XXXX from XXXX, SC State and XXXX because this is inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: AES/PHEAA
State: SC

Complaint narrative:
I've been trying to dispute matters with the student loans XXXX, SC State and Fedloan inaccurately reporting late payments. This been going on since XXXX 2021. They keep saying they don't have any late payments and I've been clearly sending them reports showing all the XXXX day late 's and its hurting my credit really bad. I had XXXX this year and it affected me tremendously but then I also had my loans consolidated recently. They are just reporting inaccurate information on my credit report and it has to stop. By law I have rights and they are abusing the credit law 15 U.S. Code 1666 ( b ). I need all those late payments removed from XXXX from XXXX, SC State and Fedloan because this is inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I noticed a charge from XXXX XXXX XXXX dated XX/XX/2021 - I contacted Capital One regarding this. The agent stopped my card and sent a new one to me ( which I now have as of today, just need to activate ). 

The agent did not perform a Regulation E Error Resolution, rather just stopped the card. I know of this due to the fact I had not heard back from Capital One. I contact Capital One again yesterday XXXX XX/XX/XXXX XXXX to see if there was an update on the investigation or if they have issued any credit. The first agent that I reported the activity to had not informed me to provide a written statement in order to receive a provisional credit. 

The agent on the second call XXXX XX/XX/XXXX XXXX informed me she would begin the investigation process and issues a provisional credit. 

I was under the impression this process was started and would be resolved. I would have resolved this myself, however XXXX XXXX XXXX was sending me directly to the XXXX Texas location which I had no visited in months. I do not recognize the charge and have not authorized anything lately for XXXX on my Capital One Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Rocket Mortgage, LLC
State: KY

Complaint narrative:
Inquired with Quicken Loans about refinancing rates. Spoke with agent XXXX XXXX ( from the XXXX office ). XXXX pressured me to run my credit. I told him I did not want to do a hard pull and that the other mortgage companies I spoke with only did a soft pull. XXXX advised me that the other companies I had spoke with were misrepresenting this request and that they all have already done hard credit pulls. I was feeling pressured by XXXX with him asking me to confirm my personal information. Eventually I told him to hold on and that I did not want my credit run, but XXXX told me he had already ran it. despite me saying to hold on. 

The information he gave me was wrong and the other companies had not run a hard pull. Which I feel was a sales tactic to lie about my previous inquiries, in order to pressure me to provide my information. I mentioned only a soft pull, and I believe he also ran my credit after I said to hold on. He then refused to answer my messages afterwards, despite reaching out by text and phone, and seeking help from other office agents who spoke with him about returning my messages. I attempted to contact him for 7 hours, and he would not reply, so I was unable to remedy the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: World Acceptance Corporation
State: FL

Complaint narrative:
I took out a loan with world finance and I paid them back and they reported loan paid back in full now its shown two different account on my credit and effecting my credit score bad because they reopen this loan on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
Under florida law I am not liable for this debt. Law Enforcement was supposed to notify all my utility companies I was XXXX as that's their responsibility, not mine. I was XXXX and spent roughly 4 years XXXX  between federal prison and the XXXX Florida state hospital. All telephone, electric, internet, and all other utility bills are automatically legally supposed to be cut off the moment an individual is XXXX  and charged with a crime. I was XXXX and charged XX/XX/XXXX and released XX/XX/XXXX and then XXXX being XXXX again against my will on XX/XX/XXXX - XX/XX/XXXX. This debt is not my responsibility. I have not resided at the address of the debt since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: NJ

Complaint narrative:
Experian has violated the Fair Credit Reporting Act .They have not responded in a timely manner with any results within 30 day to 45 day time frame. Involving my letters with erroneous credit inquires that i did not authorize, and that i do not recognize. I have sent them letters. They have signed and returned that the certified mail has been received with no response months later. I would like immediate deletions for this wrongfully credit inquires that have been put on my credit report without any authorization. I have already written letters to the companies involving this matter as well and they told me to deal with the credit bureau, and Experian as not taken action to report to me the consumer in the time frame as agreed according to 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 2021-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Freedom Mortgage has held my mortgage for a number of years. In 2020 they offered to lower my rate so I refinanced and the loan closed in XXXX. The property consists of two lots that were both part of the original loan and the new loan. Both the original and new loan included an escrow account for taxes and insurance. On XX/XX/XXXX I received a notice from the county indicating the property taxes on one of the lots was delinquent and accruing additional fines. Freedom Mortgage had requested and received tax statements for both lots but had only paid for one. I immediately emailed Freedom Mortgage with the issue including attachments of all documents. I subsequently called their help line on the first business day to report the problem. Since my initial contact with them I have repeatedly emailed them all documents and have telephoned their customer service line at least twice. Each time I have had to repeat the details of the problem over again as though there was no record of my original claim. I have received several auto replies via email stating more investigation was necessary but I would have a response by dates that have both passed and my property tax remains unpaid. Freedom Mortgage must pay my property tax from my escrow account and are responsible for any additional fines that have accrued.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: ND

Complaint narrative:
XXXX XXXX, XXXX XXXX, XXXX XXXX ( not I repeat not no my biological father-birth certificate-it 's fraud-two different ages-do n't know who this person is-why do I have to answer security questions in order to pass a security credit report question??? ), XXXX or I have no idea who these people. I have to keep answering questions from companies in order to pass a security credit report question. I reported, have tried to fix this problem. No a clue who these people are on my credit report. How can I answer questions about people I do not know, never. I did not grow up with them, don't know them. I am constantly reporting names I do not recognize-XXXX. No I grew up in XXXX my whole life or XXXX XXXX. Never before XXXX did I have to answer questions about these people before. Why all of a sudden within the past couple of years for people who's personal info I do not know. 
Including XXXX XXXX XXXX is not my address in XXXX XXXX tried reporting but for XXXX to XXXX that is reported as an address. I am constantly reporting names, Addresses, places I never live, including someone with my identity using my name altered. That is truly weird for the past few years reporting names that never had to be answered before, all of sudden then in XXXX all this weird ( me the victim ) exhausting myself trying to report again, again to authorities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: ND

Complaint narrative:
XXXX XXXX, XXXX XXXX, XXXX XXXX ( not I repeat not no my biological father-birth certificate-it 's fraud-two different ages-do n't know who this person is-why do I have to answer security questions in order to pass a security credit report question??? ), XXXX or I have no idea who these people. I have to keep answering questions from companies in order to pass a security credit report question. I reported, have tried to fix this problem. No a clue who these people are on my credit report. How can I answer questions about people I do not know, never. I did not grow up with them, don't know them. I am constantly reporting names I do not recognize-XXXX. No I grew up in XXXX my whole life or XXXX XXXX. Never before XXXX did I have to answer questions about these people before. Why all of a sudden within the past couple of years for people who's personal info I do not know. 
Including XXXX XXXX XXXX is not my address in XXXX XXXX tried reporting but for XXXX to XXXX that is reported as an address. I am constantly reporting names, Addresses, places I never live, including someone with my identity using my name altered. That is truly weird for the past few years reporting names that never had to be answered before, all of sudden then in XXXX all this weird ( me the victim ) exhausting myself trying to report again, again to authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: NV

Complaint narrative:
I am writing this due to non-compliance with the Transunion, XXXX and XXXX They have failed to remove information that was affiliated with personal details that were challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law The accounts have remained after 4 attempts to contact them. When I call they say they dont get my letters. 

They have not validated anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I XXXX money to my sister on XX/XX/2021 through my Capital One Bank account and it was sent to someone else. Capital One denied the claim saying that they spoke to XXXX XXXX and that XXXX XXXX verified that the phone number was active when the transaction took place and placed in this persons account. Two people can not have the same phone number and the number I sent the money to was my sister 's phone number. I called Capital One back and the rep said it has been escalated and she told me to call XXXX XXXX. I informed her I already did that and that XXXX XXXX is not going to provide any information to me. I also called XXXX when this whole thing started and they directed me back to my bank and said there's nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
On XX/XX/2021, HARRIS LTD has added a derogatory mark on my credit report ONCE AGAIN. ( XXXX ) After further investigation and research, the debtor STILL could not provide original contract nor signatures. This account has transferred/sold and I am and have NEVER been responsible for the accounts. Debtor 's creditor did not verify this collection with me! There hasn't been no form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt as anyone can send a bill saying its mines. According to the FCRA, Harris LTD has violated my rights as a consumer ONCE AGAIN and I am requesting legal action to remove this account from ALL THREE CREDIT BUREAUS. Additionally, this company has responded to my most recent complaint irresponsibly, accusing me of the person who may have stole my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
this company has falsely used 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 2021-07-14 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: T.S. Holdings
State: FL

Complaint narrative:
this company has falsely used my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I tried over and over again ( at least a dozen times ) on XX/XX/2021 to get my 3 credit reports online through XXXX. Each time, I got a vague error message telling me that either my credit report wasn't available, or they were not able to verify me -- even though all the information I provided repeatedly -- was complete and accurate. ( I checked it dozens of times ). I then tried to contact someone at annual report.com, using the " contact us '' button provided on their website, and let them know I wasn't able to use their website to obtain my credit reports. I got a computer generated boilerplate letter in the mail on XX/XX/XXXX telling me I would have to ask for my credit reports by mail. Yes, snail mail. Really???

I then tried again to get my reports online and so far have only been able to get my Transunion report online ( which I have saved to PDF and stored ). This is what I wish to do with my other credit reports, but for some reason, I kept getting the same error message I received on XX/XX/XXXX and wasn't able to get those. Yes, I got the same ridiculous message asking that I submit a request to receive them by snail mail in paper form. Extremely inconvenient and inefficient. And horrible for the environment.

If I am supposed to have access to my credit reports for free on a weekly basis, and I don't see how I could possibly send a separate letter to each of the 3 credit reporting agencies every week. That is completely ridiculous. This needs to be resolved immediately, as there is a pressing after that requires me to have access to my credit reports in real time ( not the 2 weeks it ordinarily takes by snail mail -- especially after XXXX gutted -- and continues to try to destroy -- the USPS ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14 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: NV

Complaint narrative:
I am writing this due to non-compliance with the XXXX, XXXX and Equifax They have failed to remove information that was affiliated with personal details that were challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law The accounts have remained after 4 attempts to contact them. When I call they say they dont get my letters. 

They have not validated anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I was notified by my credit monitoring system that IC Systems placed a collection on my credit report with XXXX. I immediately called and spoke with their representative XXXX XXXX on the same day. XXXX XXXX informed me the account was in reference to XXXX from XX/XX/XXXX. I informed XXXX XXXX that not only have I not received any communication about this debt prior to this account being placed on my account but I was in fact disputing the account as I did not owe XXXX any debt. XXXX XXXX informed me that communication was sent to an address that I have not lived at in over ten years and in a different state, and to an email address I have not used as well. This information was further confirmed by XXXX XXXX XXXX who acted as her manager during the call. I notified them verbally as well as written that they are in violation and have to report something to my credit without communicating with me. I verbally requested the account be disputed and removed for cause and they told me it would not even though they did not follow correct procedures. 

According to the Fair Credit Reporting Act and fair debt collection practices Act they are required by law to communicate the matter to me prior to placing an item on my credit. The recorded conversation clearly states it was not communicated. I want this account immediately removed from my credit report. This action is fraud and I will take action per federal and state laws including Violation of the fair debt Collections Practices XXXX and defamation of Character. A case will be initiated through the CFPB.

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