vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-31 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: FL

Complaint narrative:
I am victim of identity theft I have not received any updates from the bureau regarding removing the fraudulent collection account its been over 90 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 2022-03-31 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: CA

Complaint narrative:
My student loans are currently in deferment yet XXXX  is still reporting my payment status as late and it is severely affecting my score

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 2022-03-31 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: CA

Complaint narrative:
My student loans are currently in deferment yet XXXX  is still reporting my payment status as late and it is severely affecting my score

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: CA

Complaint narrative:
My student loans are currently in deferment yet XXXX  is still reporting my payment status as late and it is severely affecting my score

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 2022-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NVR INC.
State: VA

Complaint narrative:
XX/XX/2022 I locked in a rate XXXX with NVR had my loan estimate signed and completed. my loan officers plan was to use part of my down-payment to pay off my lease to keep me under 50 % debt to income ratio. XXXX I get contacted my the loan officer with an issue with his plan. The paying off the lease would not change my debt to income ratio. so eventual he got back to me saying they would get me to 2.75 % and that would work. I said ok. The lender then sent me a revised loan estimate on XX/XX/XXXX which supposedly brought my mortgage down. cost of home is XXXX, loan amount is for XXXX closing cost total XXXX, down-payment XXXX, already paid XXXX, seller credit XXXX and total owed at closing XXXX so today I recieved my closing disclosure total cost/loan amount I'd the same down payment total is XXXX less, seller credit is now XXXX. total due at closing now is XXXX the lenders excuse to why they were different were because he was playing with the numbers to get me where I needed and just said the XXXX was an error. but him and I had a conversation on the phone when I received the loan estimate and asked if this was the correct amount I will be paying at closing he stated yes. never did he say this was just him playing with the numbers. I never recieved another loan estimate after the one on the XXXX with any changes that he claimed he was playing with. now less than a week before closing I get a closing disclosure XXXX more than the last loan estimate my original rate at XXXX was matched to XXXX  XXXX XXXX with just a fee of XXXX matching them. when they dropped my rate the amount went to XXXX but the XXXX seller credit squatched it. now there claiming that it was not XXXX on any of the other documents and I examined because the rate charge was only the XXXX we agreed on. NVR lender messed up causing the issue and the reason for the rate charge. that's what I assumed the XXXX was for. now they are tryi.g to get put of it and have me pay for their mistake. I told the lender these are all legal documents I signed the last loan estimate because it was exact to what I will be paying otherwise if he was just playing g with number I should have recie Ed an exact document with the correct information. not a completely different document 6 days before closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I've filed a dispute about my credit report and the incorrect items below stated on my credit report. Its been over 30 days since I contacted XXXX, Transunion, and XXXX, and have not received any investigation results back yet, so hence this complaint. 

Below are the accounts I have disputes with, please review and help me out with this. 
Thanks so much. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account status ( Closed ) {$2500.00} Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Account status ( Closed } {$3500.00} Date opened : XX/XX/XXXX XXXX XXXX Account XXXX Closed {$690.00} Date opened : XX/XX/XXXX DEPTEDXXXX Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan {$17000.00} DEPTEDXXXX XXXX Account status : Open Date opened XX/XX/XXXX Account type Education Loan {$3900.00} DEPTEDXXXX Account number XXXX Account status : Open Date opened XX/XX/XXXX Account type Education Loan {$1700.00} DEPTEDXXXX Account number XXXX Account status : Open Date opened ; XX/XX/XXXX Account type Education Loan {$3000.00} DEPTEDXXXX XXXX Account : Open Date opened : XX/XX/XXXX Account type Education Loan {$870.00} DEPTEDXXXX XXXXXXXX Account status Open Date opened : XX/XX/XXXX Account type Education Loan {$3100.00} XXXX XXXX XXXX XXXX opened XX/XX/XXXX Account type Open account {$67.00}

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 2022-03-31 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I've filed a dispute about my credit report and the incorrect items below stated on my credit report. Its been over 30 days since I contacted XXXX, XXXX, and Equifax, and have not received any investigation results back yet, so hence this complaint. 

Below are the accounts I have disputes with, please review and help me out with this. 
Thanks so much. 
XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX Account status ( Closed ) {$2500.00} Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account status ( Closed } {$3500.00} Date opened : XX/XX/XXXX XXXX XXXX Account XXXX Closed {$690.00} Date opened : XX/XX/XXXX DEPTEDXXXX Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan {$17000.00} DEPTEDXXXX XXXX Account status : Open Date opened XX/XX/XXXX Account type Education Loan {$3900.00} DEPTEDXXXX  Account number XXXX Account status : Open Date opened XX/XX/XXXX Account type Education Loan {$1700.00} DEPTEDXXXX Account number XXXX Account status : Open Date opened ; XX/XX/XXXX Account type Education Loan {$3000.00} DEPTEDXXXX XXXX Account : Open Date opened : XX/XX/XXXX Account type Education Loan {$870.00} DEPTEDXXXX XXXX Account status Open Date opened : XX/XX/XXXX Account type Education Loan {$3100.00} XXXX XXXX XXXX XXXX opened XX/XX/XXXX Account type Open account {$67.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: VA

Complaint narrative:
Inquiries are reporting on my account incorrectly causing my score to drop tremendously. I'm in the process of home buying and this is causing issues please assist. I contacted each burea to dispute inquiries also sent dispute letters to have it removed from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: General Motors Financial Company, Inc.
State: IN

Complaint narrative:
I have no record of these inquiries on report nor did I give information for my record to check i tried calling these company and could not get through their automated system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: EQUIFAX, INC.
State: ND

Complaint narrative:
In acordance with the fair Credit Reporting Act XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  Account XXXX : XXXX XXXX  XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account XXXX : XXXX, has violated my rights 15 U.S.C 1681 section 602 A Staes I have the right to privacy.

15U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instrctions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: Experian Information Solutions Inc.
State: ND

Complaint narrative:
In acordance with the fair Credit Reporting Act XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A Staes I have the right to privacy.

15U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instrctions

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 2022-03-31 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: FL

Complaint narrative:
I am victim of identity theft I have not received any updates from the bureau regarding removing the fraudulent collection account its been over 90 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 2022-03-31 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: DISCOVER BANK
State: WI

Complaint narrative:
XXXX dollar credit bill, turns into over XXXX dollars, because of interest, Discover writes off debt, shows charge, yet i get a 1099 tax form to say i benefited????? This is all interest Discover wrote off, but yet its MY income to report at tax time???

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I checked my report and it there came to be 14 hard inquiries on my report that I did not authorized or give permission for. I tried contacted these companies and couldn't get a respon

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: VA

Complaint narrative:
I recently obtained a copy of my consumer report and I identified several accounts I did not consent to authorize, nor benefit from the furnishing of, on my consumer report. I have previously submitted a dispute and received no response. Please remove these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: TN

Complaint narrative:
I noticed one/several inquires that were not authorized nor did I do a credit application for these in my name. I have asked the credit bureaus and creditors to investigate and to remove them. They stated they could not remove them without documentation. Although, it is fraud activity. 

I have contacted the creditors and all XXXX credit bureaus

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 2022-04-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital one has been reporting late payments inaccurately on my consumer report. I have reached out to capital one on multiple occasions for a remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
I checked my report and it there came to be 14 hard inquiries on my report that I did not authorized or give permission for. I tried contacted these companies and couldn't get a respon

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 2022-03-31 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: Consumer Portfolio Services, Inc.
State: IN

Complaint narrative:
I checked my report and it there came to be 14 hard inquiries on my report that I did not authorized or give permission for. I tried contacted these companies and couldn't get a respon

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: MA

Complaint narrative:
Capital one refuses to respond to my original complaint as to why they allowed a secured card with a {$650.00} credit limit to be over charged by {$540.00}? That was my original complaint to them. And they keep telling me that they credited me {$540.00} because I disputed it and then added back to my account after they did not get the information they requested. I am aware they provided a credit. I need to know why they would decline several smaller charges of {$150.00} on XX/XX/2022 and two charges on XX/XX/2022 for the same amounts due to not enough credit available on the card, but on the same day allow a charge of {$540.00} when there was still no available credit left on the card? 

This happened before I disputed the charge and they provided an initial credit. 

When I signed up for the card Capital one assured me that you can't go over your limit with a secured card. Capital one is being deceptive and allowed the card to be over charged deliberately so they can charge me over the limit fees and late fees..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: VA

Complaint narrative:
I recently obtained a copy of my consumer report and I identified several accounts I did not consent to authorize, nor benefit from the furnishing of, on my consumer report. I have previously submitted a dispute and received no response. Please remove these accounts 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 2022-03-31 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: VA

Complaint narrative:
I recently obtained a copy of my consumer report and I identified several accounts I did not consent to authorize, nor benefit from the furnishing of, on my consumer report. I have previously submitted a dispute and received no response. Please remove these accounts 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 2022-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
Multiple phone numbers claiming I owe an old debt. Ask for my personal info. I requested a debt validation they asked for my address. This company is not reporting to the credit bureau and cant provide a debt validation with out me giving my personal info first. I requested they do not contact me several times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: WI

Complaint narrative:
Springoaks has degrogatory remarks on credit report, never received anything from these people, never given right to dispute or validate, im tired of all these companies getting away with reporting whatever damaging my credit..im on XXXX and tired of it all by ALL these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
See all the complaints associated with my name. They all are the same and will continue until justice is served. 

Wells Fargo committed fraud against me. Wells Fargo continue to respond to my complaints with fraud. First it was XXXX XXXX, and now XXXX XXXX Who will respond next and allow themselves to be conspiracies of fraud. See the attached documents. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CC : Consumer Financial Protection Bureau XXXX Your response to case number : XXXX is fraudulent. It was total ignorance on my part to think Wells Fargo would respond with honesty, standing by the myth of trying to make things right from violations that occurred by Wells Fargo. The repossession was not deemed valid. The repossession was from an error Wells Fargo made. See attached documentation that came from Wells Fargo dated XX/XX/XXXX. 
You applied unnecessary XXXX insurance on my file from XXXX XXXX  XXXX XXXX XXXX  XXXX, according to these documents you provided. The late admission of guilt excluded me from receiving compensation with the class action lawsuit, Case # XXXX. 
Respond to the illegal acts Wells Fargo committed against me which now has a case # XXXX ( XXXX ) Stop breaking down XXXX insurance, negating the fact that Wells Fargo made countless errors on my file and continue to cover it up. Show proof that Wells Fargo acted in accordance to the XXXX XXXX XXXX. 
Address why Wells Fargo agrees to pay the additional {$28000.00} offered through mediation. The {$28000.00} doesnt reference that due to non-payment and the account being 102 days past due. Why offer an additional {$28000.00} on top of {$5600.00} if Wells Fargo didnt make a mistake? 
Stop your fraudulent behavior. Were is your code of ethics? 

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 2022-04-01 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: NY

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 : 2. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation