vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-10 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: Credit Karma, LLC
State: NC

Complaint narrative:
For 2 1/2 Years Credit Karma has been giving Me FALSE INFORMATION about My Credit Scores, A Blatant Violation of 18 US Code 1038 ; They have had Ample Time to Satisfactorily Resolve The Issue.

Now, To Clearly Avoid Resolving The Issue, They have Deactivated My Account WITHOUT MY AUTHORISATION! THIS IS UNLAWFUL TAMPERING TO AVOID PROSECUTION, A CLEAR VIOLATION OF 18 US CODE 1512, PARAGRAPH C!

IN THE MEANTIME, CREDIT KARMA STILL LIES TO THE PUBLIC WITH IT'S DECIEVING ADS!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: TX

Complaint narrative:
For the last XXXX years I was disputing negative accounts due to fraud. 
They never investigate properly and i remain in bed credit for XXXX years as my score stays at XXXX. 
Statuary of limitation was expired in 2021 but XXXX XXXX XXXX fraud negative accounts are still not deleted.

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 2022-02-10 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: PA

Complaint narrative:
I have complained about unauthorized accounts to my consumer reports multiple times. I reviewed my consumer report and have seen they are still reporting and now an extra collection has appeared out of nowhere after disputing the current unauthorized account. This is blatant and willful violation of my consumer rights and my privacy. I have not given any consent to furnish any unverified information. This is heavily damaging my character and credit worthiness.

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 2022-02-10 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: PA

Complaint narrative:
I have complained about unauthorized accounts to my consumer reports multiple times. I reviewed my consumer report and have seen they are still reporting and now an extra collection has appeared out of nowhere after disputing the current unauthorized account. This is blatant and willful violation of my consumer rights and my privacy. I have not given any consent to furnish any unverified information. This is heavily damaging my character and credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There are two addresses on my credit report which I have never lived there in my life before

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT

Complaint narrative:
I have received a text claiming to be from XXXX adding a XXXX person. And another text about forgotten password. 

I have closed my accounts with XXXX a couple years ago. 

I also had someone use my information to file for unemployment at 2 jobs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: SC

Complaint narrative:
On XX/XX/2022 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 I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2022-02-10 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: SC

Complaint narrative:
On XX/XX/2022 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 I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2022-02-10 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: MD

Complaint narrative:
Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.Based on,15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I always make my payments early. Up until now, they were always immediately applied. Now, however, they have selected to apply my payment on a date in the future. There are only two options when you pay these people online. Now or principle but next payment due. They have had mine pending for weeks. 

I also need to talk to someone about how they tried to scam me in the beginning. Instead of letting me pay for a protection plan by itself, they insisted on incorporating it into the loan itself. Which if they turned out not want to honor it, I would have been stuck paying it anyway. A month after having a vehicle I learned that there was a problem they were trying to hide with it. And this was on a 2018. These people are scum.

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 2022-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: CA

Complaint narrative:
This company US Bank is calling me constantly on my phone about a debt and credit card that I never had. I have checked my credit report ( in case someone fraudulently opened the account ) and the account is not there. I have repeatedly explained to the company that this is not my debt. They called on Sunday, XXXX XXXX, 2022. I talked to them and explained that they had the wrong person. They called again on Wednesday, XXXX XXXX, 2022. They said it was a platinum visa ending in XXXX. I have never had a credit card issued through this bank.

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 2022-02-10 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: TN

Complaint narrative:
On XX/XX/2022 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 I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2022-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
I began the refinance process of my primary home FHA 30 year loan to a 20 year conventional loan with Freedom Mortgage on XX/XX/2021. Freedom Mortgage is my existing lender and has been my lender for almost five years. XXXX have been very responsive and provided information requested for the most part within 36 hours. I was out of town XX/XX/XXXX through XXXX. XXXX XXXX was the customer advocated assigned to my loan XX/XX/XXXX through XX/XX/XXXX. On the XXXX he told me everything was in order and I would hear from the scheduler around XX/XX/XXXX to select a closing date. 
On XX/XX/XXXX, XXXX XXXX emailed she had been assigned as my customer advocate and she began requesting information that had already been provide. I had a telephone conversation with XXXX on XX/XX/XXXX. She told me I needed to pay closing costs because I had a second mortgage on the house. I told her I did not and had never had a second mortgage. I asked her why the terms were changing. She did not provide response. On XXXX, XXXX I requested a status update. 

I called customer service and spoke to an escalation specialist on XXXX, XXXX. She listen to my run of the history and my expressed frustration regarding good information being provided. She told me my loan was being worked and hopefully it would close soon. On XX/XX/XXXX, I emailed the CEO requesting assistance and sharing my experience. 

On XX/XX/XXXX I was sent documents to extend my locked rate until XXXX XXXX. I inquired about the date as it was a little more than a week. I was told it was anticipated my loan would close. On XXXX XXXX I was sent documents to extend my locked in rate to XXXX XXXX. On XX/XX/XXXX, I was called by XXXX XXXX. Today, I was called by XXXX who informed although it was previously determine an appraisal was not needed ; one is now being ordered. So, my loan will not proceed to closing until after the appraisal. I asked why now is an appraisal needed? She said she would have someone else call me because that is something she can not discuss.

We are just about at the 90 day mark. Freedom Mortgage has moved my loan to different teams at least 3 if not 4 times. I believe it is for the purpose of stalling and delaying closing. Delaying my reducing the interest of the existing loan that they profit. Interest rates have increased since XXXX. It is for this reason I have continued. I am not being treated fair and equitably by Freedom Mortgage. I have try to work within their existing structure to resolve the issues and have not been able. I am seeking advocacy and assistance in getting my loan to closing promptly as timely would have been in 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 2022-02-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Currently on my Equifax account there is a XXXX XXXX XXXXXXXX account that is reporting on my credit report. The account number for that XXXX XXXX XXXX account is XXXXThis account is more than 7 years and yet it is still reporting on my credit report. I am therefore asking Equifax to please delete this account from my credit report as its old and obsolete.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
Ive paid the debt collection company for XXXX accounts in XX/XX/XXXX and XX/XX/XXXX. Requested if this could be removed and I was told its not possible for collection agency to remove it and for me to call credit bureaus but credit bureaus say opposite Please can these XXXX paid accounts be removed? Im trying to buy a home

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: VA

Complaint narrative:
Inaccurate information on my report Late Payments XXXX & XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I have submitted multiple credit bureau disputes regarding Bank of America 's reporting of my credit card account. I declared Chapter XXXX bankruptcy in XX/XX/XXXX ( XXXX XX/XX/XXXX ), of which Bank of America was included as a creditor. Because I declared bankruptcy, there should NOT be any negative information on my credit report. Shown below is how Bank of America is reporting my account : XXXX : Remarks : Payment after charge off/collection Settled - less than full balance Current Payment Status : In Collections/Charge-off XXXX : Remarks : Account paid for less than full balance Paid charge off Current Payment Status : ( No info ) In contrast, this is how EVERY OTHER creditor is reporting my accounts included in bankruptcy as follows : Current Payment Status : No Info Remarks : Chapter XXXX bankruptcy

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 2022-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax without my permission pursuant 15 USC 1681 ( B ) furnished information on my behalf. They also violate another federal laws stating They CAN NOT report/treat a payment on an open-ended credit plan as late for any reason per 15 USC 1666 ( B ). That is exactly what they did with 3 negatives reporting on this account : XXXX XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX of listed late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: GA

Complaint narrative:
My name is XXXX XXXX and I am providing an update to complaint number XXXX I filed against Equifax on XX/XX/XXXX. I filed complaint XXXX demanding a block on the items that came from identity theft on XX/XX/XXXX, and Equifax refused to block the items. It has now been 29 days, well past the 15 days given under 15 U.S.C. 1681i ( 7 ) to produce the descriptions of the procedures used to determine the accuracy and completeness of the information on my credit file.

I have not received a full file disclosure in accordance with 15 USC 1681g or a description of the procedures used in accordance with 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ). Equifax is negligent and is continuing to violate my Federally protected rights by committing aggravated identity theft and racketeering activity for reporting these items to my credit file without my permissible purpose. 

XXXX. Inquiry : XXXX XXXX, XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XXXX XXXX XXXX XXXX XXXX. XXXX - XXXX XXXX. XXXXXXXX XXXX - XXXX XXXX Mail # : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: CO

Complaint narrative:
I have submitted multiple credit bureau disputes regarding XXXX XXXX XXXX XXXX reporting of my credit card account. I declared XXXX XXXX bankruptcy in XX/XX/XXXX ( discharged XX/XX/XXXX ), of which XXXX XXXX XXXX was included as a creditor. Because I declared bankruptcy, there should NOT be any negative information on my credit report. Shown below is how XXXX XXXXXXXX XXXX is reporting my account : Transunion : Remarks : Payment after charge off/collection Settled - less than full balance Current Payment Status : In Collections/Charge-off XXXX : Remarks : Account paid for less than full balance Paid charge off Current Payment Status : ( No info ) In contrast, this is how EVERY OTHER creditor is reporting my accounts included in bankruptcy as follows : Current Payment Status : No Info Remarks : XXXX XXXX bankruptcy

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 2022-02-10 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: CO

Complaint narrative:
I have submitted multiple credit bureau disputes regarding XXXX XXXX XXXXXXXX XXXX reporting of my credit card account. I declared XXXX XXXX bankruptcy in XX/XX/XXXX ( discharged XX/XX/XXXX ), of which XXXX XXXX XXXX was included as a creditor. Because I declared bankruptcy, there should NOT be any negative information on my credit report. Shown below is how XXXX XXXXXXXX XXXX is reporting my account : Transunion : Remarks : Payment after charge off/collection Settled - less than full balance Current Payment Status : In Collections/Charge-off XXXX : Remarks : Account paid for less than full balance Paid charge off Current Payment Status : ( No info ) In contrast, this is how EVERY OTHER creditor is reporting my accounts included in bankruptcy as follows : Current Payment Status : No Info Remarks : XXXX XXXX bankruptcy

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 2022-02-10 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: CO

Complaint narrative:
I have submitted multiple credit bureau disputes regarding XXXX XXXX XXXX XXXX  reporting of my credit card account. I declared XXXX XXXX bankruptcy in XX/XX/XXXX ( discharged XX/XX/XXXX ), of which XXXX XXXX XXXX was included as a creditor. Because I declared bankruptcy, there should NOT be any negative information on my credit report. Shown below is how XXXX XXXX  XXXX is reporting my account : XXXX : Remarks : Payment after charge off/collection Settled - less than full balance Current Payment Status : In Collections/Charge-off Equifax : Remarks : Account paid for less than full balance Paid charge off Current Payment Status : ( No info ) In contrast, this is how EVERY OTHER creditor is reporting my accounts included in bankruptcy as follows : Current Payment Status : No Info Remarks : XXXX XXXX bankruptcy

Company response to consumer: Closed with explanation