vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX RE : Transunions failure to physically verify the originally signed consumer contract of the three below fraudulent accounts, has hurt my ability to obtain credit. 

To Whom It May Concern : TransUnion This letter is to inform Transunion that you are reporting inaccurate and incomplete credit information on my Transunion credit report. 

Listed below are the three fraudulent accounts that must be removed from my TransUnion credit report. These accounts were also, removed from my XXXX  and XXXX credit reports which I have attached. 

1. XXXX XXXX  Account # XXXX {$1800.00} XXXX XX/XX/XXXX 2. XXXX Account # XXXX - {$1900.00} - Open XX/XX/XXXX 3. XXXX Account # XXXX - {$16000.00} XX/XX/XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post to my Transunion credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent accounts. 

Transunions failure to physically verify the originally signed consumer contract of the three above accounts, has hurt my ability to obtain credit. 

Under the FCRA, if Transunion is unable to provide me a copy of verifiable proof, you must remove the accounts listed above ; as they were opened fraudulently in my name. I XXXX XXXX demand that the above accounts be removed from my Transunion credit report immediately ; as they were removed from my XXXX  and XXXX  credit reports. 

Transunion, must reflect and maintain an accurate and complete credit profile identical to XXXX  and XXXX  credit reports. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, 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 2021-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I entered the forbearance program last year and finished it and made 3 consecutive payments as they offered me a loan modification and told me not to make a payment until paperwork was complete. Called me after 3 months and gave me info on the offer which i declined a 40 year refinance at same interest rate and I only have about 25 years left. That put me paying around XXXX on a XXXX balance. Since I declined offer that put me in default and now im six months because they continue to tell me to not make a payment because they are still working on paperwork and the cares act is not over. They have even returned a payment to my bank. 
Alao send people out to take photos and will not release insurance claim money that was paid due to damage during the Texas freeze. My hands are tied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX RE : Transunions failure to physically verify the originally signed consumer contract of the three below fraudulent accounts, has hurt my ability to obtain credit. 

To Whom It May Concern : TransUnion This letter is to inform Transunion that you are reporting inaccurate and incomplete credit information on my Transunion credit report. 

Listed below are the three fraudulent accounts that must be removed from my TransUnion credit report. These accounts were also, removed from my XXXX  and XXXX  credit reports which I have attached. 

1. XXXX XXXX  Account # XXXX {$1800.00} XXXX XX/XX/XXXX 2. XXXX Account # XXXX - {$1900.00} - Open XX/XX/XXXX 3. XXXX Account # XXXX - {$16000.00} XX/XX/XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post to my Transunion credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent accounts. 

Transunions failure to physically verify the originally signed consumer contract of the three above accounts, has hurt my ability to obtain credit. 

Under the FCRA, if Transunion is unable to provide me a copy of verifiable proof, you must remove the accounts listed above ; as they were opened fraudulently in my name. I XXXX XXXX demand that the above accounts be removed from my Transunion credit report immediately ; as they were removed from my XXXX  and XXXX  credit reports. 

Transunion, must reflect and maintain an accurate and complete credit profile identical to XXXX  and XXXX  credit reports. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, 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 2021-05-01 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX had a covid extension/payment assistance that was to help people affected by the pandemic, well atleast what was advertised not what was done. After, speaking with a rep about my impact from the pandemic I was told by both the Rep from XXXX XXXX  and well as it was listed on their site/mobile app that due to the pandemic more payment options were provided with extensions and option for flexible payments throughout. As I made payment to best my ability through the pandemic I was still being dock for late payments fees AND late payments on my credit reports. Iam astound how XXXX XXXX XXXX  has handled this. Ive called multiple times for the past 2-3 months and each time the reps give you the run around tells you it takes 45 days for a response. They continue to change the dates transfer you over to a supervisor who dates are different from the previous .they cont. to give a run around and not acknowledge of your concerns. These lates need to be removed

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 2021-05-01 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX XXXX  had a covid extension/payment assistance that was to help people affected by the pandemic, well atleast what was advertised not what was done. After, speaking with a rep about my impact from the pandemic I was told by both the Rep from XXXX XXXX and well as it was listed on their site/mobile app that due to the pandemic more payment options were provided with extensions and option for flexible payments throughout. As I made payment to best my ability through the pandemic I was still being dock for late payments fees AND late payments on my credit reports. Iam astound how XXXX XXXX XXXXl has handled this. Ive called multiple times for the past 2-3 months and each time the reps give you the run around tells you it takes 45 days for a response. They continue to change the dates transfer you over to a supervisor who dates are different from the previous .they cont. to give a run around and not acknowledge of your concerns. These lates need to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX had a covid extension/payment assistance that was to help people affected by the pandemic, well atleast what was advertised not what was done. After, speaking with a rep about my impact from the pandemic I was told by both the Rep from XXXX XXXX  and well as it was listed on their site/mobile app that due to the pandemic more payment options were provided with extensions and option for flexible payments throughout. As I made payment to best my ability through the pandemic I was still being dock for late payments fees AND late payments on my credit reports. Iam astound how XXXX XXXX XXXX has handled this. Ive called multiple times for the past 2-3 months and each time the reps give you the run around tells you it takes 45 days for a response. They continue to change the dates transfer you over to a supervisor who dates are different from the previous .they cont. to give a run around and not acknowledge of your concerns. These lates need to be removed

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 2021-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: WA

Complaint narrative:
After fifty ( 50 ) years of having an account with US Bank, someone changed my mailing address without discussing the matter with me. Furthermore, there's no notes/documentation as to when this happened, who did it, as well as no rationale as to why the change was made in the first place. Reps/supervisors that I spoke to tried to make me feel and think that this is the norm. I can't think of any other industry/business where this would be legal. 
Sadly, they ignored my stress and frustration. And, I specificially requested the statement that covers XX/XX/2021 - XX/XX/2021 which has the XXXX, WA address. No such luck, even though I reminded them that I never authorized an address change nor did anyone indicate to me that an address change was necessary XXXX no rationale ). 
The address change was brought to my attention on XXXX by US Bank rep named XXXX. He stated that he would reinstate my XXXX, WA asap. That never happened, no accountability. Also, a rep at the XXXX # informed me that she would send me a copy of the statement dated XXXX, with the XXXX address and if I needed a copy sooner, I could just go into the nearest bank and request a copy with the info in tact. I went to the nearest bank XXXX XXXX & XXXX XXXX but the changes were not noted. She made no notations/documentations regarding our conversation. Later, XXXX stated that this lack of documentation was not unusual. 
I spent an hour and a half on my cell phone trying to resolve the problem, no luck. To add insult to injury, at no time did the manager of the bank asked if I needed any assistance. This reflects the best services that I can get after being a customer for fifty years.

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 2021-05-01 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: NC

Complaint narrative:
I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXXXXXX XXXX XXXX Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am an XXXX XXXX. I was teaching in the XXXX and moving to XXXX. Prior to my move I notified Capital One to let them know I would be moving and would not have access to immediate wifi. I wanted to make sure I would not be locked out of my account because this happened the last time ai was in XXXX. I notified them I would Also not not have phone access. I arrived and I have been locked out of my account since my arrival on XXXX XXXX2021. I have called them weekly beginning on XX/XX/XXXX. Trying to resolve this issue. I had to provide the actual purchase from my credit card statement by XX/XX/XXXX to reimbursed for my luggage fees of {$1300.00}. They will only unlock my account by sending me a phone code. My phone is inactive as Im out of the country. I notified them of this prior to leaving. I tried to have the code sent to my daughter but I was unable to do it because she is not on my account. When this happened four years ago, they sent me a link to unlock my account online. They informed me they only send phone codes. Although I was never notified of this change. Even when I called prior to my departure. I am now reaching out to file a formal complaint and try to resolve this problem. I want my account unlocked and I want Capital One to reimburse me the {$1300.00} Fees I was unable to submit for reimbursement from my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
THE UNVERIFIED  AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. XXXX XXXX XXXXDischarged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013. 

2. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013.

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 2021-05-01 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: CA

Complaint narrative:
THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. XXXX  XXXXXXXX XXXX-Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013. 

2. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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: CA

Complaint narrative:
THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. XXXX  XXXX XXXXDischarged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013. 

2. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013.

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 2021-05-01 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have a auto loan thru XXXX XXXX dba XXXX XXXX. I have called several times regarding reporting to transunion credit company. I have been told not sure when will update. They are short staffed and every reason. I have filed thru Transunion investigation and they did some updates. At start of XX/XX/XXXX started a new one. Last monthly report showing is XX/XX/XXXX. Shows i have a balance on my credit report of {$6200.00}. I have asked them several times to please update. Nothing. I called yesterday and they said my balance is {$4800.00} roughly. I have struggled with credit. I pay a 21 percent intrest on loan i am ahead on my loan by a few hundred dollars. The diffrence in loan amount also ontime payment as well as balance would help my history and credit score. I also in XX/XX/XXXX had an issue due to covid and they marked me 30 days late. I called to see if they would fix that due to pandemic they wont. I paid extra and got ahead right away so i would be current. I am trying to get them to report payments monthly update balancw monthly. Also reaching out to see if the XXXX XXXX 30 day late will be removed due to covid pandemic. I think its insane that now in XX/XX/XXXX nothing thru my credit on auto loan  has changed on credit. Last time change XX/XX/XXXX. This is unacceptable. Again it is XXXX XXXX dba the XXXX in XXXX Massachusetts. I pay thru the XXXX MA location and updated thru them to there main office in XXXX Massachusetts

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 2021-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I therefore legally request the DELETION of INACCURATE items from the PERSONAL INFORMATION section of my credit report with your agency. I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law.

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 2021-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I therefore legally request the DELETION of INACCURATE items from the PERSONAL INFORMATION section of my credit report with your agency. I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law.

Company response to consumer: Closed with explanation