vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-10 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:
My long standing account with XXXX is not being reported on my XXXX  and Equifax consumer credit reports.Attached is my XXXX consumer report and a recent XXXX bill. This is negatively affecting my personal credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
I had a payment for services deposited with PayPal on XX/XX/2021 for {$250.00}. The funds were held until XX/XX/2021 when they sent an internal message that the account was closed for violation of the user agreement. They said also that I wouldn't get my money for another 180 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
Company XXXX XXXX is over charged a bill with rules no in the contract for 2 years

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
My offer for the home was except, and I went under contract around XX/XX/2021. My original closing date was XX/XX/2021, but I could not close on time because the bank was still processing all my information stuck in underwriting on the house still didn't get the appraisal report back. So my real estate agent had me sign a contract extension which took me from the XXXX of XXXX to XX/XX/XXXX to give Bank of America more time to finish my paperwork in underwriting. 

Then around the XXXX, the appraisal report finally came. Today, it's XX/XX/2021, and Bank of America still has me stuck in underwriting for the question I answered over 3 three times already with a letter. They also had a third party call me about the same questions to verify 3 of my accounts. I just found out yesterday night, XX/XX/2021, from my real estate agent the owners don't want to sign a second contract extension my agent gave me to sign on XX/XX/2021, because they got tired of wait on me because of Bank of America taking to long to get everything done with their underwriters.

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 2021-09-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: OH

Complaint narrative:
we have been making payments to the company and they are not crediting us for the account but still charging us financial charges and then refusing our payments and are not responding when we ask why, we have emailed and talked to them on the phone and still we get no place. its affecting our credit score and our bill goes up and they offer no line of credit, they our a company that bought the loan off XXXX XXXX XXXX. and we never agreed to any terms or did the ever try contacting us

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 2021-09-10 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Unauthorized use of credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello, it has come to my knowledge that the information reporting on my credit is Noncompliant according to the Metro 2 Compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma, LLC
State: NY

Complaint narrative:
Good morning, On XX/XX/XXXX Card Purchase / XXXX XXXX XXXX, XXXX, NY XXXX US {$510.00} was refunded. It was a good faith deposit for an apartment hold, which was released when I made 2 months payments to the actual landlord. The realty company returned the payment but CREDIT KARMA has not credited the returned funds to my account. 

Now, after an expensive move I have relied on those funds to get me through the week. The funds have not been added to my account. 

CREDIT KARMA responded yesterday stating it takes 3-5 business days for refunds to hit my account. It is now XX/XX/XXXX, several days after this window. 

Kindly contact CREDIT KARMA to release the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: FL

Complaint narrative:
Remove the attached XXXX XXXX credit pull from all three of my credit bureau reports. As you can see in the attached document, XXXX XXXX was not authorized to pull my credit.

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 2021-09-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Remove the attached XXXX XXXX credit pull from all three of my credit bureau reports. As you can see in the attached document, XXXX XXXX was not authorized to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Re-aging of a 20 year old account. I have included evidence of how this company re-aged this account making the account appear as newly neglected debt. I have been denied credit so many times and I have kept every denial letter because i will need it for damages. 

I want to bring it to your attention just what these reporting agencies are fraudulent doing to deceive unsuspecting innocent consumers. 

While in good faith working on my credit, something I was never taught before, But always told to get your credit report to check for any errors and dispute anything thats not accurately reporting. I did that. Of course I see things I know shouldnt be there and I attempt to dispute online. I learned quickly that was a waste of time. I then decided to dispute by mail and requesting the information be validated and verified with the original agreement, account or document with my signature to match what they are inaccurately reporting. Absolutely noone honored my request. However most of the accounts are still inaccurately being reported. Every time I dispute an issue experian, XXXX and XXXX XXXX comes with results saying it's been verified or its been updated. During my re investigation from the monitoring site only a few things changed. So it appeared. it appeared an account or two were claimed to be removed. And a few accounts what they did was changed and altered a name or date or something small they dont expect to be noticed. However I would print as I go because I know not so honest people will change and continue to alter things and if not paying attention, it would be missed. I noticed most or all and I took notice that whats being reported on requested credit reports is only fixed so the consumer sees what they want you too see. While i applied for new credit, i couldnt understand why the reason I was denied was, too many accounts with balances, collections, charge offs and derogatory. I was really confused. Because none of my reports showed me this. What I did was I subscribed to many other monitoring programs and I noticed HIDDEN ACCOUNTS! that I couldnt see on the report supplied to me. I dont see how Experian, XXXX and XXXX can do this to consumers! I will attach evidence during my next few cases that I have to open because these agencies arent resolving the issue and are violating the FCRA and my rights to fair reporting. If i have to seek legal action for this fraudulent activities I am ready with all my evidence.

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 2021-09-10 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2021 I spoke with XXXX XXXX regarding their unauthorized credit pulls on my account. They have yet to provide solid proof that I authorized this credit pull and have fraudulently created emails ( see attachments ) to appear as if they were transmitted by me, XXXX XXXX XXXX. Please remove all XXXX XXXX, XXXX, and or XXXX XXXX credit pulls from each credit bureau. If you can not remove the credit pulls, you are in essence committing fraud and will be prosecuted to the fullest extent of the law. 

XXXX XXXX on behalf of XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Illegally inquired on XX/XX/2021

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 2021-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
This morning I tried to buy a flight with my Regions Now Card. Ending in XXXX. 
The bank kept changing my information and denying me all purchases. They also told me maybe my business was not wanted when I called to complain.

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 2021-09-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
1 ) the account ends in XXXX ( XXXX and XXXX ) 2 ) The account was closed XX/XX/XXXX ( XXXX ) 3 ) The account was 60 days past due in XX/XX/XXXX ( XXXX ) 4 ) There was a payment made in XX/XX/XXXX. 5 ) Account shows as " charged off '' ( XXXX ). 

Since XXXX I've been fighting to have this company accurately report to the credit bureaus. The account should have been CLOSED/ Included in bankruptcy Chapter XXXX as of XX/XX/XXXX. The account was NOT past due in XX/XX/XXXX if it was included in Chapter XXXX in XX/XX/XXXX. There were NO payments made in XX/XX/XXXX. 

I emailed the company on XXXX XXXX ( other disputes submitted as well ) asking them to correct the information. They in turn " closed " the account again on my credit report. The account still shows all of the inaccuracies but this is the third time this account has been listed as closed on my credit report. ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I spoke with XXXX XXXX regarding their unauthorized credit pulls on my account. They have yet to provide solid proof that I authorized this credit pull and have fraudulently created emails ( see attachments ) to appear as if they were transmitted by me, XXXX XXXX XXXX. Please remove all XXXX XXXX, XXXX, and or XXXX XXXX credit pulls from each credit bureau. If you can not remove the credit pulls, you are in essence committing fraud and will be prosecuted to the fullest extent of the law. 

XXXX XXXX on behalf of XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Illegally inquired on XX/XX/2021

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 2021-09-10 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I spoke with XXXX XXXX regarding their unauthorized credit pulls on my account. They have yet to provide solid proof that I authorized this credit pull and have fraudulently created emails ( see attachments ) to appear as if they were transmitted by me, XXXX XXXX XXXX. Please remove all XXXX XXXX, XXXX, and or XXXX XXXX credit pulls from each credit bureau. If you can not remove the credit pulls, you are in essence committing fraud and will be prosecuted to the fullest extent of the law. 

XXXX XXXX on behalf of XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Illegally inquired on XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: FL

Complaint narrative:
I found some fraudulent inquiries reporting on my credit report so I sent a letter to the credit reporting agencies on XX/XX/2021 but as of today XX/XX/2021 I have not received the results from the credit reporting agencies. I have filed an identity theft affidavit and sent into the bureaus with my personal identification and proof of address. 
These fraudulent inquiries still remain despite my submission of supporting documents. 
The list of creditor attached did not have my consent to run my credit and is a result of identity theft result.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I found some fraudulent inquiries reporting on my credit report so I sent a letter to the credit reporting agencies on XX/XX/2021 but as of today XX/XX/2021 I have not received the results from the credit reporting agencies. I have filed an identity theft affidavit and sent into the bureaus with my personal identification and proof of address. 
These fraudulent inquiries still remain despite my submission of supporting documents. 
The list of creditor attached did not have my consent to run my credit and is a result of identity theft result.

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 2021-09-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I found some fraudulent inquiries reporting on my credit report so I sent a letter to the credit reporting agencies on XX/XX/2021 but as of today XX/XX/2021 I have not received the results from the credit reporting agencies. I have filed an identity theft affidavit and sent into the bureaus with my personal identification and proof of address. 
These fraudulent inquiries still remain despite my submission of supporting documents. 
The list of creditor attached did not have my consent to run my credit and is a result of identity theft result.

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 2021-09-10 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: FL

Complaint narrative:
On XX/XX/2021 I sent Transunion a letter asking what method was used to retrieve a bankruptcy they are reporting on my credit report. They responded with a letter stating that this was verified via XXXX XXXX. I went directly to XXXX to verify the bankruptcy in question and XXXX XXXX advised that they received the information furnished to Transunion from the courts. I then went to the courts and they advised via a letter that not only is it illegal to provide the information to third parties, but they did not provide this information as well. I gave this letter to XXXX XXXX and they promptly removed the invalid bankruptcy from my consumer report. 

I then went back to TransUnion on XX/XX/2021 and sent a letter requesting a that they either provide me with proper proof of investigation of this alleged bankruptcy or to delete it as the third party that was used to collect this information has determined that it is invalid and can not be verified and, therefore deleted. With that demand letter, I also enclosed a copy of the letter from Transunion 's third party data furnisher, XXXX XXXX, acknowledging this information is incorrect and invalid and has been deleted. 

Not only did they take a longer time than the 30 days allotted to reinvestigate the inaccurate information, but Transunion has also refused to verify how the item was verified. This is a FCRA violation. 

Transunion has violated many FCRA rules and my rights by blatantly refusing to delete this item that has been shown as inaccurate and refusing to advise me of how they verified this information while it was in dispute. This alleged bankruptcy is affecting my ability to take care of myself and my family during this pandemic and costing me additional monies in fees and interest. 

Per FCRA, this item needs to be deleted from my credit report if it can not be verified as it is a violation to report inaccurate, incomplete or invalid information.

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 2021-09-10 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: FL

Complaint narrative:
I found some fraudulent inquiries reporting on my credit report so I sent a letter to the credit reporting agencies on XX/XX/2021 but as of today XX/XX/2021 I have not received the results from the credit reporting agencies. I have filed an identity theft affidavit and sent into the bureaus with my personal identification and proof of address. These fraudulent inquiries still remain despite my submission of supporting documents. The list of creditor attached did not have my consent to run my credit and is a result of identity theft result.

Company response to consumer: Closed with explanation