vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-05 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: GA

Complaint narrative:
On XX/XX/2021, I filed a dispute in regards to the inaccurate items on my report & I haven't received any results. 
There has been unauthorized inquiries, and unverifiable accounts reporting on XXXX Transunion and on my XXXX  report. My letters seem to have been disregarded because I havent reviewed results or proof.

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 2021-05-05 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: Premium Credit Bureau
State: CA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX XXXX and Premium Credit Bureau both ran my credit under false pretenses. I inquired about refinancing my home and let both parties know that I was self employed. I let them know that I was under the impression that they averaged out 2 years of income for your qualifying income requirements and if that was the case that I didn't make enough in XXXX to be able to be at the 2 year average I needed to be at. Both financial institutions told me that if I had been business 3 years or more that they would use one years tax returns to qualify me. After I gave my consent to run my credit and gave a copy of my XXXX Tax returns I got return calls from both mortgage brokers telling me that some thing had just changed and now they are requiring 2 years average of tax returns. I was outraged when they told me that because that is exactly what I had told them before they reassured me that I was incorrect. They are the professionals and should know that before giving me wrong information. When I expressed how upset I was and that they ran my credit for no reason neither of them could have cared less. I asked to speak with managers who said their employees did nothing wrong. 

This can't be how banks are allowed to do business, guessing and not having the correct, real time information before making a decision that impacts the consumer. I am about to refinance and there are 2 looming hard inquired on my credit that leaves such a bad taste in my mouth that I researched what I can do about it so that is why I am writing you today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I would like to request a copy of all documents verifying that I owe the debt to XXXX XXXX Not limited to, but including original application with my signature on it. I have on multiple occasions informed them the account was a result of identity theft, and they keep verifying the information as accurate. I have a right to request the documents they are using to verify that the account wasn't opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: UT

Complaint narrative:
The XXXX  of XXXX is reporting an erroneous debt on my credit file. They are reporting a XXXX XXXX account with a balance for a debt that has already been paid! I have disputed this but this item will not come off of my credit. I am asking the bureaus to review the attachment and see that this debt has been satisfied so they can remove this from my credit file.

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 2021-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: TN

Complaint narrative:
My home was appraised two years ago for {$250000.00} and my tax appraisal is {$240000.00} and is based on a XXXX so its about 30 % lower than the actual value. I applied for a refinance with my current lenders XXXX US Bank XXXX mortgage department who kept sending me advertisements in the mail and they arranged for a man to appraise my home. The first phone call he was very rude, short with me and he wasnt helpful or friendly at all. He told me he had one time and that was it so I took that time to have the appraisal. When he got here I tried to talk to him and he basically told me to be quiet and go in the house and he would let me know when he was ready to come inside. I tried to talk to him several times and he refused to even acknowledge that I was there. He didnt let me tell me him about my property about any upgrades nothing. Then he came back with an appraisal in this housing market that was less than my appraisal from two years ago. He didnt get the square foot correct and made numerous other errors. He compared my home in the comparisons to a an 800 square-foot house with more acreage but all wooded and he wouldnt reconsider even when I sent him more comparable comps. My home is almost XXXX square feet and is fenced and cross fenced and has 11 horse stables and a huge indoor riding arena. It also has an indoor pool with a building larger than my home that he said had no value. The 800 square foot home sold for {$320000.00}. I told the bank right after he left of my belief he was XXXX  and XXXX against a person of XXXX with the bank. I think he saw I was a person of XXXX and therefore lowballed me on my refinance. The bank said they tried to get him to reconsider and he wouldnt and I can not believe that they would allow that to happen in this day and time.

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 2021-05-05 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: EQUIFAX, INC.
State: IL

Complaint narrative:
When trying to check credit reports through XXXX.com, XXXX and XXXX worked fine, but Equifax immediately popped up an error message that says online delivery is unavailable, and the report has to be requested by snail mail, with copies of a bunch of documentation of social security number, ID, etc. Obviously, this, coupled with them eventually sending a copy of the credit report through the mail would be incredibly risky, and it is poor practice for them even to suggest people do this, much less require it. It also did not even ask any of the identity verification questions - immediately when it switched from XXXX to Equifax, this is what popped up, so it was not an issue with anything entered incorrectly or anything like that - presumably, this would have happened to anyone trying to access their credit report. A quick search indicates this is a common problem consumers encounter with Equifax, and that it has been going on for a very long time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
On XX/XX/XXXX and XXXX, 2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I would like to request a copy of all documents verifying that I owe the debt to XXXX XXXX, Not limited to, but including original application with my signature on it. I have on multiple occasions informed them the account was a result of identity theft, and they keep verifying the information as accurate. I have a right to request the documents they are using to verify that the account wasn't opened fraudulently.

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 2021-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am very sad as I need to deal with fake accounts in my credit report. Could you please figure out who is responsible for damaging my score and life? I can not recognize these items and they are not mine. Its identity theft or bad reporting but I can not accept the fact that I have them in my credit report. Delete them as soon as possible.

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 2021-05-05 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: FL

Complaint narrative:
I am very sad as I need to deal with fake accounts in my credit report. Could you please figure out who is responsible for damaging my score and life? I can not recognize these items and they are not mine. Its identity theft or bad reporting but I can not accept the fact that I have them in my credit report. Delete them as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc.
State: TX

Complaint narrative:
I've made attempts to freeze my credit reporting by your company as i'm protected by FCRA and the online automated system gives an error once everything is submitted. I had to go outside your website to find a fax number to send a formal request! This is not compliant with FCRA protections for consumers. I want be written notification by your company once this is corrected or I will report your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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:
Im having a problem with the credit bureaus. I have worked very hard to get my credit score to where it was prior to XX/XX/XXXX. I admit I was not always responsible when it came to the balances of my credit cards but I always paid my bills on time. I was severely impacted by XXXX XXXX my husband lost his job and he has just recovered from XXXX failure prior to that and the kids had to stay home and I have XXXX children and I also was on XXXX so I things got hard and I had to pay rent before credit cards. Then in the middle of XXXX the owner of the house we were renting needed to move back because of XXXX and by then my credit dropped so low that nobody would rent to us.Since then Ive caught up on payments but unfortunately some accounts got closed. Nothing matters but that score and it didnt matter that all my payments were on time before the 3 months I missed and payment history was still excellent and I make good money now that Im back at work full time, Ive at job for 4 years nobody would except us so were homeless living in a motel. I have credit repair company that is supposed to be helping me but I think its really a scam the company is XXXX for XXXX XXXX and another name they use is dispute my XXXX address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. My family and I are homeless because of my score and theres anything you can do to help. The property management companies told me I was denied because of my credit score and they said I had an eviction but not provide me with anymore information when I asked and their name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. And I have an credit card account with XXXX XXXX XXXX XXXX XXXX its an secured card with a limit of XXXX opened on XX/XX/XXXX and I never missed a payment and they let me make two payments and then closed wrote it off as a charge off with only about {$89.00} owed never contacted me to see what help that could be provided. And all of the address on credit report are not accurate except for the 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 2021-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I SENT A LETTER REQUESTING THAT I WANTED TO SEE VARIABLE PROOF OF THE FOLLOWING ACCOUNTS THAT ARE ON THE AFFADAVIT THAT I WILL ATTACH.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelson Cruz & Associates LLC
State: TX

Complaint narrative:
On XX/XX/2021 as a result of the Winter Storm, I scheduled a plumbing repair with XXXX XXXX XXXX. Due to the demand for service, the company conveyed that as a part of the scheduling I would need to " become a member '' and pay a portion of the charge upfront - **as a criteria for receiving service**. The upfront payment was submitted online. The plumber did not show to the appointment and upon contact to the company, they conveyed that the plumber did not have time to make the agreed appointment - and that they could schedule another appointment for an additional fee. Thus, no service was rendered, and the related charge for that service was disputed through the credit card company. Through an independent investigation, the credit card company confirmed the charge to be fraudulent and closed the dispute as resolved. 

Now, on XX/XX/XXXX I am receiving calls from a debt collector from Nelson Cruz and associates, who is prying for personal identifying information ( SSN ) and has indicated that the disputed fee has doubled. The only way to settle the debt is through a website requiring SSN credentials, then to " send a screenshot '' to close out the matter. 

This debt is fraudulent. This debt collection is extortive. I have patiently worked with both parties within reason, but I can not put myself at further risk by exposing my personal identifying information to unscrupulous disaster-profiteers.

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 2021-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC
State: MN

Complaint narrative:
I filed a complaint on XX/XX/2020 to WAYPOINT, and they did not respond, I sent them several letters but nothing happened, I see no changes in my credit report, this really affectes me because I feel like they are no giving enough attention to my cases

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
This past five years was only intended to destroy me future and financial stability

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 2021-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Back in XX/XX/2020, I called Citi to downgrade my account. But appearantly they failed to do so. And after the downgrade call, I withdrew the money I need and left the acount as is since the remaining balance will meet the requirement to waive the monthly fee. But due to the failure of downgrade, my checking account keeps been charged monthly service fee since XXXX 2020 till today. I have contacted the bank online and via phone to request the refund of those service fees. {$25.00} per month XXXX And they are not willing to refund all of the fees they charged.

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 2021-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I would like to request a copy of all documents verifying that I owe the debt to XXXX XXXX Not limited to, but including original application with my signature on it. I have on multiple occasions informed them the account was a result of identity theft, and they keep verifying the information as accurate. I have a right to request the documents they are using to verify that the account wasn't opened fraudulently.

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 2021-05-05 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: AZ

Complaint narrative:
I have sent in 4 dispute letters to Transunion to fully investigate 2 inaccurate accounts on my credit report that has stopped me from being able to obtain new credit and progress in life, which has caused XXXX XXXX. I am concerned as all my disputes have come back " accurate '' but display different factual data between the three bureaus. I am concerned because I believe Transunion is violating the FCRA laws and are not doing full investigations needed to assure 100 % accuracy of accounts. These accounts are reporting different date last active years between the three bureaus as well as different payment statuses, which is terrible because that is what indicates when the account is supposed to naturally fall of my credit report. According to the FCRA, it is the job of the credit bureaus to make sure accounts are 100 % and inaccurate accounts should not remain on my credit report and Transunion has failed to do proper investigations as the problem has not been fixed. I am requesting these accounts get deleted from my report immediately because they are reporting inaccurate information that I have tried to resolve numerous of times. I have attached my credit report with the inaccurate accounts and some of the letters I have already sent to the bureau. I am requesting these accounts get deleted immediately so I can obtain the new credit I need to become successful. I have attached my passport and bank statement to this complaint for verification reasons as well.

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 2021-05-05 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: UT

Complaint narrative:
The XXXX of XXXX is reporting an erroneous debt on my credit file. They are reporting a XXXX XXXX account with a balance for a debt that has already been paid! I have disputed this but this item will not come off of my credit. I am asking the bureaus to review the attachment and see that this debt has been satisfied so they can remove this from my credit file.

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 2021-05-05 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: UT

Complaint narrative:
The XXXX XXXX  XXXX  is reporting an erroneous debt on my credit file. They are reporting a XXXX XXXX account with a balance for a debt that has already been paid! I have disputed this but this item will not come off of my credit. I am asking the bureaus to review the attachment and see that this debt has been satisfied so they can remove this from my credit file.

Company response to consumer: Closed with explanation