vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-07 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: CO

Complaint narrative:
This is a complaint regarding my personal consumer account with XXXX XXXX. 

I was in talks with XXXX regarding my account, as it went out of service due to none payment. As agreed, the account balance was supposed to be transferred over to my business account, XXXX, XXXX, with the balance paid off on a monthly basis along with my current plan. I am making this complaint, additionally because of the fact that it is stated that I owe a total balance remaining of {$2900.00}. After a year+ of payments made towards my devices : XXXX XXXX XXXX * {$1200.00} ( 30 months ) * {$770.00} remaining XXXX XXXX XXXX XXXX * Device payment XXXX of XXXX ( $ XXXX ) * {$830.00} remaining XXXX XXXX XXXX XXXX * Device payment XXXX of XXXX ( $ XXXX ) * {$670.00} remaining The payment agreement was agreed upon as a buy one device, get one for free for the XXXX. 

In total, the said amount owed is actually at {$2200.00} However, with the buy one get one, the amount owed to XXXX is actually {$1600.00}. 

I am making a complain on misleading and deceptive practices in which I took responsible measures in order to ensure the integrity of my account and maintaining the trust I had with XXXX to continue paying the balances by agreement between myself and XXXX to transfer the balance over to my business account. 

At this point, I expect the balance to be nullified or to have the balance reversed, the collection item deleted immediately off my XXXX and TransUnion reports, and to transfer the balance immediately over to my business account as agreed upon. 

XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN 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 2022-11-07 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: CO

Complaint narrative:
This is a complaint regarding my personal consumer account with XXXX XXXX. 

I was in talks with XXXX regarding my account, as it went out of service due to none payment. As agreed, the account balance was supposed to be transferred over to my business account, XXXX, XXXX, with the balance paid off on a monthly basis along with my current plan. I am making this complaint, additionally because of the fact that it is stated that I owe a total balance remaining of {$2900.00}. After a year+ of payments made towards my devices : XXXX XXXX XXXX * {$1200.00} ( 30 months ) * {$770.00} remaining XXXX XXXX XXXX XXXX * Device payment XXXX of XXXX ( $ XXXX ) * {$830.00} remaining XXXX XXXX XXXX XXXX * Device payment XXXX of XXXX ( $ XXXX ) * {$670.00} remaining The payment agreement was agreed upon as a buy one device, get one for free for the XXXX. 
In total, the said amount owed is actually at {$2200.00} However, with the buy one get one, the amount owed to XXXX is actually {$1600.00}. 

I am making a complain on misleading and deceptive practices in which I took responsible measures in order to ensure the integrity of my account and maintaining the trust I had with XXXX to continue paying the balances by agreement between myself and XXXX to transfer the balance over to my business account. 

At this point, I expect the balance to be nullified or to have the balance reversed, the collection item deleted immediately off my Experian and XXXX reports, and to transfer the balance immediately over to my business account as agreed upon. 

XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-07 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I apparently clicked on XXXX of the litany of paypal phishing emails and someone accessed my paypal account and sent XXXX to someone via friends or family that I do not know or have any idea who they are. Paypal said they were not unauthorized transactions when in fact they were XXXX XXXX unauthorized. My bank is currently investigating as well. This is life changing money that was fraudulently scammed from me,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: TX

Complaint narrative:
THERE ARE ALOT OF FRAUDULENT INQUIRIES IN MY CREDIT REPORT. I HAVE REPORTED IT TO THE BUREAUS BUT I DID NOT RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: TX

Complaint narrative:
I've been writing letters to correct my name and addresses, but as of today, they are still present in my most recent credit report.If these inaccurate names and addresses are not deleted, I will submit a XXXX complaint.

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 2022-11-07 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I have on several occasions reached out to ask this company to verify a debt, they claim belongs to me as me and my son have the same name. He is a junior and I am senior. Thye continue to say its verified and I ask for something to prove this. I have yet to receive anything from them. Please send something verifying that this account belongs to me or remove it from all my credit reports. 
Please do not continue to ignore this request. I dont want something on my credit report that doesnt belong to meet and continues to hurt my credit. 

Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX RE : Hard Credit Inquiry Removal Request Dear Transunion : I am writing to request several credit inquiries that were unauthorized be removed from my credit report. I received a copy of my credit report and became aware of several nquiries that I did not authorize. They are as follows : XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  ( XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX  XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX Each company above that does not have an account should be removed as soon as possible. 

In keeping with the Fair Credit Reporting Act, I am asking that my claim is investigated and any and all unauthorized inquiries removed from my credit report. I would appreciate a copy of my credit report once the inaccuracies are removed. 

Thank you for your consideration in this matter. Should you need to contact me, my email address is XXXX and my telephone number is XXXX. 

Sincerely, Signature XXXX XXXX Enclosed is proof of identity theft Irs letter from XXXX DO NOT PLACE FRAUD ALERT OR SECURITY FREEZE ON MY ACCOUNT!

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 2022-11-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX

Complaint narrative:
I initially spoke with my mortgage company ( XXXX XXXX ) on XX/XX/2022 to discuss options because I missed my XXXX mortgage payment where they advised me to seek help from multiple resources. I took that advice and consulted with a HUD housing counselor to discuss options and to receive guidance. On XX/XX/2022 I spoke with the counselor and gave detailed review of my situation, and he noted that I would qualify for CARES Act XXXX forbearance since I have a pandemic related financial hardship. We reviewed all of the guidelines and requirements and said that all I would need to do is contact my mortgage company and request the XXXX forbearance without having to fill out an application or submit any paperwork. I called them on XX/XX/2022 and requested the XXXX forbearance, and they told me that I needed to go to a website and apply for forbearance and that it would take up to 30 days after they receive everything to review and decide whether to approve the forbearance. I tried to explain that the pandemic has not ended so I shouldn't have to apply like in a general forbearance and gave me a website to register and apply/upload documents. I called the HUD counselor to verify if this is true and he encouraged me to make a complaint based on the fact that the mortgage company is not complying with the rules stated in the CARES act. 
I am currently behind on my mortgage payments for XXXX ( {$2300.00} ) and will be behind on XXXX 's payment on the XXXX ( {$2300.00} ). 

**From the VA website- Through the end of the nationally declared emergency, you can make an initial request for XXXX forbearance. VA expects your mortgage company to approve your request, for up to six months. VA also expects that, if you need additional forbearance after that, your mortgage company will approve, at your request, an additional XXXX forbearance for up to XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: TX

Complaint narrative:
THERE ARE ALOT OF FRAUDULENT INQUIRIES IN MY CREDIT REPORT. I HAVE REPORTED IT TO THE BUREAUS BUT I DID NOT RECEIVE ANY RESPONSE.

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 2022-11-07 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: TX

Complaint narrative:
THERE ARE ALOT OF FRAUDULENT INQUIRIES IN MY CREDIT REPORT. I HAVE REPORTED IT TO THE BUREAUS BUT I DID NOT RECEIVE ANY RESPONSE.

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 2022-11-07 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: TX

Complaint narrative:
I got a fraud alert XXXX XXXXXXXX XX/XX/2022 from my bank. It seems as though someone tried to open a credit card account with XXXX XXXX bank using my social security number. 
I am in the process of notifying all XXXX credit agencies ( XXXX, Equifax, & XXXX ) to put a freeze on my account so that the XXXX can not be used until further notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nationwide Credit & Collection, Inc.
State: IL

Complaint narrative:
This debt collector has culled multiple times making it unclear who the collector is or what the debt is for. They have now began sending text messages that I never opted in for

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-07 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-07 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
XX/XX/XXXX I refinanced my XXXX XXXX pickup from XXXX Bank XXXX XXXX Capital One XXXX XXXX. Then on XX/XX/XXXX I totaled the XXXX XXXX pickup and my insurance company totaled the vehicle out on XX/XX/XXXX. They then proceeded to call Capital One to pay {$28000.00} on the {$32000.00} loan on the pickup. Capital One never had the title transferred from XXXX Bank XXXX name into there name. My insurance company XXXX XXXX XXXX ) then called me to inform me that they couldn't pay the loan until the title was transferred into Capital One XXXXXXXX  name. So I started making phone calls to see what was taking so long for the title to be transferred over to their name. Then they told me after numerous calls to Capital One in XXXX and XXXX that I needed to get all this paperwork filled out again from the previous lender and from myself because they didn't have any of the paperwork they needed to send to my state to have the transferred over. I called the previous lender and they said they would resend all the paperwork again to Capital One and I sent all the paperwork I had. After getting all the paperwork sent over I called again to see how long it would take since I still been paying on the loan even though my insurance was trying to pay on the loan. They told me to just have the insurance company to make monthly payments or my credit would be ruined since they wouldn't put my account on hold since I signed for the loan. So after all this time it has been over 8 months and I just called again on XX/XX/XXXX to find out if the title has been transferred yet they told me no it's still pending and I will need to just wait. So I have decided to stop paying the payments even if my credit gets ruined because I can not afford to pay XXXX truck payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: TX

Complaint narrative:
Update my personal info, Delete all the accounts violating the FCRA and reporting inaccurate information and delete all unauthorized inquiries

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 2022-11-07 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: Advanced Resolution Services Inc.
State: IL

Complaint narrative:
ADVANCED RESOLUTION SERVICES , INC., a financial institution and credit reporting agency operating in commerce for profit by assuming the role of furnishing and reporting consumer data, has obtained possession of my personal identifying information from the data furnisher ( XXXX XXXX, XXXX ), and is now complicit in the willful act of engaging in UNAUTHORIZED USE of my personal identifying information by reporting and sharing the unauthorized information to various financial institutions absent my expressed written permission, consent, instruction, or authority. 

This unauthorized use of my personal identifying information constitutes " Identity Theft '' as defined by 12 CFR 1022.3 ( h ) and 17 CFR 248.201 ( b ) ( 9 ), and is in clear violation of 15 USC 1681b ( a ) ( 2 ) having no permissible purpose or authorization. Under the FCRA, Bankruptcies are to be EXCLUDED from a consumer report in accordance with 15 USC 1681c ( a ). ADVANCED RESOLUTION SERVICES , INC, acting as both a credit reporting agency and a financial institution, has a fiduciary obligation and responsibility to comply with the FCRA section 15 USC 1681c-2 ( a ) in the interest of the consumer by deleting the unauthorized information no later than 4 business days after receipt and delivery of the notice.

I demand this agency to cease furnishing the information provided below in respect of my right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2016 XX/XX/2016 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: Spring Oaks Capital, LLC
State: PA

Complaint narrative:
I have on several occasions reached out to ask this company to verify a debt, they claim belongs to me as me and my son have the same name. He is a junior and I am senior. Thye continue to say its verified and I ask for something to prove this. I have yet to receive anything from them. Please send something verifying that this account belongs to me or remove it from all my credit reports. 
Please do not continue to ignore this request. I dont want something on my credit report that doesnt belong to meet and continues to hurt my credit. 

Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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